Financial Services

We think legal services to the finance sector needs a bit of a shake-up.

That’s why we do things differently — using our in-depth knowledge of your regulated world, to think creatively. We are tech focused, accessible and responsive. We give commercially minded, pragmatic advice.

Our clients include banks, payment services and e-money institutions, mortgage providers, insurers, brokers, MGAs, credit institutions and pension providers — as well as cryptoasset firms, IFAs, wealth managers and placing agents.

We have particular expertise and experience in financial services regulation, financial disputes, insurance law, FinTech and Insurtech. But that’s not all we do.

We often team up with commercial, debt finance, corporate, and employment lawyers from across our firm, who all have a particular interest in the financial services sector. We work collaboratively with our clients to provide them with the comprehensive legal advice they need.

So, whatever the challenge, we’ve got your back. And thanks to our global connections, we can support your ambitions anywhere in the world.

Get to know us

Hear from Liza Kellett, Trust Leeds

Following a lengthy application process, our Financial Services Regulation team were able to help Trust Leeds submit their application to the FCA, so they could provide consumer credit lending to those that wouldn’t be able to access it from high street banks.

The successful approval of their application by the FCA has allowed Trust Leeds to provide small, ethical, personal loans for business purposes to enterprising people in West Yorkshire who are facing money or credit problems.

Having gone through the process side by side with Liza, the team at Capital Law are here to help if you and your business are thinking about providing lending services and need support in obtaining approval from the FCA.


Expectations around new Consumer Duty reforms

The Consumer Duty came into force on 31st July 2023 and is centred around the new principle, which is Principle 12. A new Duty for ‘firms to deliver good outcomes for retail customers’.

It’s an important milestone for the FCA – for their business and statutory plan. The Principle is made up of three cross-cutting rules and these are the anchor to the Principle. Firms have to apply those three cross-cutting rules to four different outcomes.

Sarah Drew & Rachel Hillier consider the newly implemented Consumer Duty and what they think you can expect to see from the FCA over the next 12-24 months. They cover the background to Consumer Duty and some expectations for firms now that it is in force.


  • It felt like we had the weight of the entire Capital Law team behind us, and they were just as thrilled as we were when we achieved this vital milestone. Thank you!

    Liza Kellett | Founder
    Trust Leeds

  • We highly recommend Capital Law for their expertise and approachability. Since Kita first joined the Lloyd’s Lab, Charlotte and her dedicated team have been instrumental in helping us navigate insurance regulatory matters and offering practical guidance. We look forward to building a lasting relationship with her team as our company continues to expand.

    Melanie Martin | Head of Legal

  • Capital Law is super-well connected to the insurtech community and they know how to help startups develop and grow. Rachel Hillier and Charlotte Gregory are highly knowledgeable about the legal and regulatory issues affecting insurtechs and their insurer partners, as well as being practical and approachable.

    Melissa Collett |CEO
    Insurtech UK

  • Over the last 10 years Capital Law have developed a well deserved reputation as the “go to” law firm for the insurance innovation community by combining deep knowledge of the relevant legal and regulatory issues and a sensitivity to the realities of entrepreneurship.

    Robin Merttens | Co Founder

  • Capital Law has a fantastic understanding of the whole insurance ecosystem. Their Insurance Regulatory practice provides the expertise required for insurtechs at all stages: from forming a new company to launching a product or implementing a collaboration. As well as advice, they provide connections across the insurance/tech divide that help their clients to thrive. Paragon work with both investors and Insurtech’s across the ecosystem and our strong, collaborative partnership with Capital Law is a great asset. Charlotte and the team share the same commitment and approach that we do to support entrepreneurial insurance talent and the investors that support them.

    Eloise Morgan | Director of UK FI

  • As a startup operating in a regulated environment we need advice which is robust, best in class but also proportionate and respectful of the fact that we are trying to change the status quo. Charlotte and the team at Capital Law understand the different priorities and pressures upon a business such as ours and we were delighted to be introduced to them.

    Rob Korzinek | CEO & Founder
    Zing Cover