In the fast-growing world of FinTech, we stay ahead of legal, technological, and commercial developments so that your business can blaze a trail.

We understand and value the vital role financial technology businesses have in shaping the way we live today.

Our aim is to seamlessly help you across all aspects of your FinTech business. We can support you to realise your commercial ambitions by providing clear, pragmatic advice and connections that help your business to grow, whether you’re initiating a new commercial collaboration, finding your way through financial services regulations, launching and scaling products, closing your next investment round or growing your staff.


  • Financial services regulation and compliance
  • Applications for FCA and authorisation/registration
  • Drafting and reviewing commercial agreements with partners
  • Investment rounds/change in control applications
  • Data protection/GDPR
  • Use of AI and new technology in the regulated environment
  • Staffing for regulated businesses (including SMCR)

FinTech specialists

Connections and close relationships are important to us: with you and within the industry. We’re active participants in the FinTech ecosystem, maintaining partnerships with key industry associations, like FinTech Wales.

Having been involved with FinTech Wales from the very start, Rachel Hillier is a Board member, which allows her to share knowledge and expertise with fantastic businesses that make up their membership.

Types of businesses we support

We support all financial technology businesses, whether you’re regulated or not. We provide the full range of commercial services to suit your needs — whether it’s commercial, regulatory, employment or corporate — we understand your business.

  • Payments Service providers
  • Electronic Money providers
  • Challenger banks
  • Cryptoassets & Blockchain firms
  • Insurtechs
  • Wealthtechs


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.



  • Huge thanks to Rachel and the team at Capital Law, your support and input were of great value.


    Sarah Williams Gardner | CEO
    FinTech Wales