Acuity Law

Banking & Finance

Ralph is a consultant in our Banking & Finance team.

He has a wealth of expertise in financial services regulation, including consumer credit, regulated mortgage contracts, payment services, insurance intermediation and fintech products. He has advised a wide range of clients, from established retail banks and credit card lenders to SMEs and start-ups.

Ralph was previously the Head of Legal at a private bank and Lead Counsel at a high street retail bank. He also has extensive experience advising senior executives on a range of risk and compliance matters at a separate bank and a major credit card issuer.

Expertise:

• General financial services regulatory compliance (FCA Handbook)
• Regulated mortgage contracts (FCA MCOB sourcebook)
• Consumer credit (Consumer Credit Act)
• Payment services (PSD2)
• Insurance intermediation and administration activities (ICOBS)