Sarah Drew

Financial Services

Sarah is an Associate in our Financial Services and Insurance team. She joined the team in October 2019, after 10 years in mortgage litigation at a large regional firm.

Sarah has experience in a wide range of regulatory compliance issues, with a focus on advising credit, hire and mortgage providers on their regulatory obligations. She has a keen interest in this area, advising on all aspects of the provision of credit, FCA permissions and applications and regulatory requirements under the Consumer Credit Act 1974.

In addition, she advises on payment services regulation, insurance and more recently, providing updates and training for clients in all regulated sectors on the impact of the FCA’s new Consumer Duty.

Sarah provides a sharp, commercial position in the provision of regulatory advice to a range of businesses in the credit, FinTech and InsurTech space, supporting the growth of Capital’s Financial Services Team with enthusiasm and a sound technical understanding of the regulatory landscape.

  • Project managed a credit related FCA application for a Leeds based charity providing loans for business purposes, securing regulatory authorisation in the UK.
  • Provided legal advice on the regulatory perimeter for another credit provider, assisting the organisation in ensuring their regulatory status is evidenced and assisting in the provision of regulatory compliant lending documentation.
  • Advising an FCA authorised goods hire business on regulatory aspects of a restructure and continuing to provide support as a trusted adviser in all regulatory matters relating to its hire offering.
  • Advising a national bank on drafting of savings terms and conditions, including specialist requirements for ISA products.
  • Undertaking regulatory due diligence work in relation to the purchase of a regulated business.
  • Advising on compliance with the Mortgage Conduct of Business Sourcebook and preparing a Customer Charter for a lending client.
  • Undertaking a regulatory review of FCA permission and CASS requirements for a Venture Capitalist Business.
  • Acting for insureds in business interruption insurance claims and pursuing Financial Ombudsman claims.
  • FCA/PRA applications
  • Mortgages and consumer credit advice
  • Regulatory advice
  • Regulatory due diligence for financial services firms
  • Policy drafting


  • Associate, Capital Law Limited (May 2023 – present)
  • Solicitor, Capital Law Limited (Oct 2019 – Apr 2023)
  • FCILEX/Legal Assistant, Eversheds Sutherland (May 2010 – Septe 2019)
  • Paralegal, Kingslegal LLP (Aug 2008 – Sept 2009)
  • Paralegal, Robertsons Solicitors (Jun 2006-Sept 2006)


  • University of the West of England: Postgraduate Diploma, LPC (2007 – 2008)
  • University of Southampton: Bachelor of Laws LLB (2003 – 2006)

Memberships / Trustee Positions

  • The Law Society of England and Wales