Nicholas Ralph
Dentons
Articles
Second Charge Lending - The new regulatory regime after March 2016
United Kingdom - March 3 2017 Second charge lending, previously only regulated under the Consumer Credit Act 1974, has now been moved into the FCA's remit and made subject to the…
Buy-to-let mortgages - The new regulatory regime
United Kingdom - March 1 2017 Buy-to-let mortgages have until recently escaped "conduct of business" regulation in the UK. Since March 2016 the FCA's regulatory perimeter has…
How PSD2 will affect banks and their payment services terms
European Union, United Kingdom - December 6 2016 On 12 January 2016, the EU Directive on Payment Services in the Internal Market (EU 2015/2366) (known as PSD2) came into force, replacing the…
EIOPA publishes freedom of services report
European Union - May 20 2016 EIOPA has published the outcomes of its peer review on freedom to provide services. The report showed significant work is needed on co-operation…
PSR finalises guidance for switching accounts under PARs
United Kingdom - May 20 2016 PSR has published its finalised policy statement and guidance relating to the application of the Payment Accounts Regulations 2015 (PARs) on…
