John is a Banking and Finance partner based in Edinburgh and heads our Retail Banking team.
John has over 30 years' experience as a Banking and Finance lawyer and his expertise lies in financial services regulation. He is recognised as one of the UK's leading specialists on the regulation of consumer credit and mortgages. He is ranked for UK Consumer Finance in Chambers Legal Directories.
John also advises clients on marketing materials. This involves the UK code of non- broadcast advertising and direct & promotional marketing (CAP) as well as the broadcasting code (BCAP) which applies to aspects such as sponsorship credits on radio and television services.
John is our Financial Conduct Authority (FCA) compliance officer and anti-bribery partner.
Banking & Finance
Over the past few years, a new age of social media influencers has emerged. These content creators tend to focus on personal finance, investing and wealth building strategies. Identifying as Finfluencers, they blend entertainment and education online to reach millions of followers.
The FCA has recently introduced new rules to safeguard access to cash for customers around the UK. With the decline of cash usage due to digital payments the FCA has stepped in to ensure that vulnerable individuals who rely on physical currency are not left behind.
The Lending Standards Board announced on 12 September 2024 an update to the provisions of their Standards of Lending Practice for business customers relating to personal guarantees. The Standards are recognised by the Financial Conduct Authority and are the only lending protections available to many UK SMEs. These changes place new requirements on lenders and provide additional clarity to guarantors on the extent of their obligations.
From our offices we serve the whole of Scotland, as well as clients around the world with interests in Scotland. Please complete the form below, and a member of our team will be in touch shortly.