Guildhall Chambers

Consumer credit, banking and financial services; commercial.

Lucy is a specialist in consumer credit and in the financial services regulatory regime. Lucy undertakes contentious work and non contentious advisory work in relation to all aspects of financial services regulation, including consumer credit, the mortgage and home finance regulatory regime, payment services, cryptocurrencies and cryptoassets, financial promotion, crowd funding, peer to peer lending and general banking and commercial matters, including data protection and the General Data Protection Regulation.

Called 2008,

Lucy undertakes both contentious work and provides non contentious and strategic advice to consumer credit firms on all aspects of the consumer credit regulatory regime including:

The FCA authorisation process for credit and consumer hire firms FCA supervision issues including consumer credit regulatory reporting and notification issues Financial promotions for credit and hire products Advising on regulated and exempt credit and hire agreements Drafting standard form documentation Post contractual matters including cancellation and the supply of post contractual information Default and enforcement procedures, including unfair relationships Regulatory enforcement action against credit and hire firms, including the imposition of requirements and limitations on Part 4A Permission Interrelationship between the consumer credit regulatory regime and the Part XX regime for exempt professional firms The regulatory regime for Crowd Funding and Peer to Peer (P2P) lending Judicial review of FCA and FOS consumer credit decisions

Lucy has wide experience advising banks and other regulated firms in relation to all aspects of the financial services regulatory regime, including the financial promotion regime, the promotion and regulation of crowd funding, peer to peer lending, cryptocurrencies and cryptoassets and in relation to payment services issues, including implementation of the revised Payment Services Directive and the Payment Services Regulations 2017. Lucy also advises on data protection issues including all aspects of the forthcoming General Data Protection Regulation.

Middle Temple. Trainee Addleshaw Goddard; secondee, group legal Bank of Ireland; banking and finance group Osborne Clarke; pupil Guildhall Chambers; tenant Guildhall Chambers. Current directorships: Theatre Royal, Bath.

Bath High School GPDST; Trevelyan College, University of Durham (1994 BA Joint (Hons) History and Politics); College of Law, York (1995 CPE; 1996 Diploma in Law).