United Kingdom: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
Beyond Senior Debt: Key Takeaways From Our Alternative Private Capital Seminar
Private capital is reshaping real estate financing beyond traditional senior debt, with operational real estate at the center of this transformation. As interest rates remain elevated and traditional lenders retreat, alternative capital providers are filling the funding gap with flexible structures and creative solutions. The shift requires lenders to underwrite not just buildings, but the businesses that operate within them, fundamentally changing how distress is managed and value is realized.
United Kingdom Finance
M
Macfarlanes LLP
Article
The EU’s New Regime For Third-Party Providers Of Non-ICT Services: Contractual Requirements
The European Banking Authority has introduced comprehensive new guidelines governing third-party risk management for non-ICT services, fundamentally reshaping how financial institutions must structure and manage their vendor relationships. These guidelines mandate specific contractual provisions and impose strict timelines for compliance, with existing arrangements requiring alignment within two years for critical functions. Financial services entities must now navigate a more prescriptive regulatory framew
European Union Finance
AO
A&O Shearman
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Related Country Guides

SL
Secured Lending
BR
Banking Regulation
AI
Alternative Investment Funds
PF
Project Finance
AR
Asset Recovery

Capital Adequacy/BASEL

Article
UK Captive Insurance Reform - Why Private Capital Should Be Paying Attention
The UK is proposing a new regulatory framework for captive insurers that could transform how private equity sponsors manage insurance risk and capital across their portfolios. With global captive premiums projected to reach $161 billion by 2030, these reforms aim to make the UK competitive with established offshore domiciles like Bermuda and Guernsey. The consultation introduces streamlined authorisation, reduced capital requirements, and simplified governance that may particularly benefit sponsors seeking
United Kingdom Finance
PR
Proskauer Rose LLP
Article
UT Remits £880m Loan Relationship Dispute Back To The FTT
The Upper Tribunal examined whether £3 billion paid to Barclays Bank during the 2008 financial crisis was wholly for reserve capital instruments or partly for warrants issued by its parent company. The case highlights the complexities of determining fair value allocation in structured financial transactions and the challenges taxpayers face when appealing factual findings, as the tribunal remitted the matter for reconsideration despite finding errors in the original decision.
United Kingdom Finance
RPC
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Debt Capital Markets

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Charges, Mortgages, Indemnities

Article
Does A Secured Loan Affect Remortgaging?
Homeowners with a secured loan registered as a second charge against their property face specific considerations when switching mortgage lenders. The existing loan affects borrowing capacity, loan-to-value ratios and requires careful legal handling to manage charge priorities. Understanding how to repay or retain the secured loan during a remortgage helps homeowners navigate the additional legal steps and costs involved.
United Kingdom Real Estate
JS
JMW Solicitors LLP
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Financial Services

Article
The EU’s New Regime For Third-Party Providers Of Non-ICT Services: Contractual Requirements
The European Banking Authority has introduced comprehensive new guidelines governing third-party risk management for non-ICT services, fundamentally reshaping how financial institutions must structure and manage their vendor relationships. These guidelines mandate specific contractual provisions and impose strict timelines for compliance, with existing arrangements requiring alignment within two years for critical functions. Financial services entities must now navigate a more prescriptive regulatory framew
European Union Finance
AO
A&O Shearman
Article
Private Credit And UK Life Insurers: Structuring For Matching Adjustment
UK defined benefit pension schemes are transferring an estimated £600bn in assets to insurers over the next decade, creating unprecedented opportunities in the pension risk transfer market. As insurers seek long-dated, liability-matched assets to back annuities, private credit managers are developing innovative structures to meet matching adjustment requirements and capture this growing demand.
United Kingdom Finance
M
Macfarlanes LLP
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Latest Videos

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