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Banking & Finance

The evolution of the lending and debt markets since the start of the financial crisis has left participants facing regulatory change, greater competition in the supply of debt funding, financial distress and a flight to sector specialist advice. Our banking and finance practice can help you navigate these challenges, with expertise in the full spectrum of banking and finance law. Whether you are a lender, borrower, sponsor, insolvency practitioner or debt advisor, our priority is resolving your challenges and putting your world first.

Today’s banking and finance transactions require expertise across a wide range of sectors. CMS is a top 10 global law firm with a strong sector focus. Our driver is to provide clients with pragmatic advice delivered by a multi disciplinary team. With over 70 offices globally, we provide sector expertise to support clients' finance requirements and are recognised for providing clear commercial advice and getting the deal done for our clients.

Our clients range from domestic and major global corporates, funds and other financial institutions and advisors across the UK, Europe, the Middle East, Brazil, Mexico and Asia.

“CMS is devoted to high-quality work and can provide leverage through their international presence.”

Chambers UK 2022, Banking & Finance

"They are very commercial, cut to the chase and identify key issues - they are absolutely excellent."

Chambers, 2020

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Asset Based Financing
We are committed to building strong and trusted relationships with you at every level, and we recognise the importance of these relationships. We are
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Asset Finance
As a bank, owner, export credit agency, lessee, lessor, operator or portfolio manager, you face many challenges in financing assets. These challenges
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Capital Markets & Derivatives
The financial crisis and its aftermath have had a considerable impact on the financial markets. There have been significant changes in the practice an
Corporate Lending & Leveraged Finance
As a lender or borrower, the increasing regulation of debt markets, combined with increasing sources of funding, poses challenges for your business. L
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Energy Finance
As a participant in the energy sector, you will need to ensure that financing arrangements are compatible with unique regulatory, cross-jurisdictional
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Finance Disputes
Our Finance Disputes team at CMS consists of litigation and international arbitration specialists within our 20-Partner market leading Financial Servi
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Financial Institutions Lending
In utilising debt finance, financial institutions face regulatory and administrative constraints that can make it difficult to align the interests of
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FinTech
Whether you are a buy-now-pay-later start-up looking to grow your business, an established financial institution acquiring the latest fintech technolo
Hotel Finance
Hotel financing poses unique challenges, potentially combining development, real estate investment, acquisition, portfolio and cashflow-based financin
InfraTech Finance
The combined factors of reduced opportunities for bricks and mortar infrastructure investment and an increased need for modern communications infrastr
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Islamic Finance
Newcomers to Islamic Finance and existing participants alike face a whole host of challenges that they must successfully navigate to structure, docume
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Real Estate Finance
The real estate finance market has undergone significant change in recent years, with increased regulation, the entrance of more categories of lenders
Restructuring & Insolvency
Our dedicated team of restructuring and insolvency lawyers in England and Scotland advises all types of stakeholder involved in, or impacted by,
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Trade, Export & Commodity Finance
At CMS we combine our sector expertise across fields such as energy and utilities, natural resources and agribusiness, with a wealth of experience in
30/10/2023
InDebt
Welcome to InDebt, our knowledge hub of legal insights focusing on the global debt markets.   The recent evolution of the lending market has involved significant regulatory change and has led to greater competition in the supply of debt funding. While current geopolitical and macroeconomic challenges continue to press borrowers, all market participants will want stay up to date with key developments and issues as they arise.   InDebt aims to help navigate these challenges, providing practical insights to the topical issues, regulatory updates and case law affecting all stakeholders. Content will be regularly updated. If there is a topic you’d like to discuss further, please do get in touch.
Law-Now: Banking
Go to the Law-Now website
Highlights of our experience in Banking & Finance in the UK
A major E&P company on its negotiations with its main stakeholders and regulators (DECC and OGA) in seeking a solvent restructuring of its debt of circa USD 1.4bn. Exceptional Innovation Technology...

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18/04/2024
Real estate finance law in the United Kingdom
A. Mortgages 1. Can security be granted to a foreign lender? Yes. Security can be granted to a foreign lender. 2. Can lenders take a mortgage over land and buildings on the land? Yes. Lenders can take...
17/04/2024
APP fraud – Quincecare duty claims against banks replaced by new “retrieval...
The recent decision in CCP Graduate School Ltd v National Westminster Bank plc and another [2024] EWHC 581 (KB), demonstrates how Claimants are repositioning claims against banks arising from authorised...
10/04/2024
FCA Consultation on Payment Optionality for Investment Research (CP24/7)
On 10 April 2024, the FCA published a consultation on Payment Optionality for Investment Research (CP24/7). In the consultation, the FCA proposes a new option for asset managers when paying for investment...
04/04/2024
Lexology Masterclass: The future of AI in financial services, where innovation...
On 29 February, our CMS Financial Services Regulatory team and Nextwave hosted a Lexology Masterclass on the future of AI in financial services. In this webinar, we offered practical insights into how...
02/04/2024
ESMA feedback statement on shortening the EU settlement cycle reveals widespread...
The European Securities and Markets Authority (ESMA) has released a feedback statement summarising comments received from market participants during its consultation on shortening the EU settlement cycle.Under...
02/04/2024
ESMA feedback statement on shortening the EU settlement cycle reveals widespread...
The European Securities and Markets Authority (ESMA) has released a feedback statement summarising comments received from market participants during its consultation on shortening the EU settlement cycle.Under...
28/03/2024
UK Cryptoasset Regulation – 2023 developments and what’s to come in 2024...
In Part 1 of this two-part series, we provided an overview of the myriad developments in the regulation of cryptoasset activities in the UK in 2023 and the first two months of 2024, and looked ahead to...
28/03/2024
UK Cryptoasset Regulation – 2023 developments and what’s to come in 2024...
In Part 1 of this two-part series, we provided an overview of the myriad developments in the regulation of cryptoasset activities in the UK in 2023 and the first two months of 2024, and looked ahead to...
28/03/2024
FCA Publishes Finalised Guidance on Financial Promotions on Social Media
The Financial Conduct Authority (“FCA”) has published its finalised guidance on financial promotions on social media (FG24/1) (the “Guidance”). This follows a consultation carried out by the FCA...
25/03/2024
Introduction to the Crypto-Asset Reporting Framework
The market for Crypto Assets is growing rapidly. Crypto Assets can be issued, recorded, transferred and stored in a decentralised manner, without the need to rely on traditional financial in­ter­me­di­ar­ies...
19/03/2024
HM Treasury launches consultation on improving the effectiveness of the...
HM Treasury (“HMT”) has launched a consultation (the “Con­sulta­tion”) on improving the effectiveness of Money Laundering Regulations 2017 (“MLRs”). The Consultation follows HMT’s 2022 review...
18/03/2024
Financial Services Webinars On Demand
Click here to view recordings of CMS financial services we­binars avail­able on de­mand. We­binars are a convenient way to stay informed and hear from our legal experts. medium