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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
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, finan
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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
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...
Law-Now: Bank­ing
Go to the Law-Now web­site
Ad­vising the Board

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15/08/2022
Does the Fin­an­cial Ser­vices and Mar­kets Bill 2022 se­cure the UK’s green...
The UK was de­scribed as “the best place in the world for green fin­ance” by Rishi Sunak, the former UK Chan­cel­lor of the Ex­chequer, in his Man­sion House speech last year.  In help­ing to se­cure the...
12/08/2022
Does the Fin­an­cial Ser­vices and Mar­kets Bill 2022 se­cure the UK’s green...
The UK was de­scribed as “the best place in the world for green fin­ance” by Rishi Sunak, the former UK Chan­cel­lor of the Ex­chequer, in his Man­sion House speech last year. In help­ing to se­cure the UK...
12/08/2022
FAQs on the Eco­nom­ic Crime Act
The Eco­nom­ic Crime (Trans­par­ency and En­force­ment) Act 2022 (“Act”) provides for the set­ting up on 1 Au­gust 2022 of a Com­pan­ies House re­gister for over­seas en­tit­ies that own cer­tain prop­erty re­gistered...
09/08/2022
Cryptoassets held by in­di­vidu­als: What amounts to a dis­pos­al for cap­it­al...
HM Rev­en­ue & Cus­toms (“HM­RC”) con­tin­ues to up­date and ex­pand its guid­ance on the tax­a­tion of cryptoassets held by in­di­vidu­als. In this series, we will ex­plore vari­ous tax top­ics rel­ev­ant to in­di­vidu­als...
09/08/2022
Re­struc­tur­ing Plans – Cred­it­ors “out of the money” are “out of the vote”
Sum­mary Re­struc­tur­ing Plans (“Plan(s)”) were in­tro­duced by the Cor­por­ate In­solv­ency and Gov­ernance Act 2020 (“CIGA”) as a res­cue tool for com­pan­ies in fin­an­cial dif­fi­culty to com­prom­ise debt and...
08/08/2022
ESG themes in Real Es­tate Fin­ance
Re­flect­ing on the last roundtable in Ju­ly 2020 (note pro­duced from that meet­ing avail­able here)  the fol­low­ing de­vel­op­ments and themes were re­cently dis­cussed by at­tendees from the in­dustry body, Com­mer­cial...
08/08/2022
Staggered im­ple­ment­a­tion of the Eco­nom­ic Crime (Trans­par­ency and En­force­ment)...
The new Com­pan­ies House Re­gister of Over­seas En­tit­ies (the “OE Re­gister”) be­came op­er­a­tion­al and key parts of the Eco­nom­ic Crime (Trans­par­ency and En­force­ment) Act (“ECTEA”) came in­to force on...
04/08/2022
FCA fi­nal rules chal­lenge fin­an­cial pro­mo­tions of high-risk in­vest­ments
On 1 Au­gust 2022, in a bid to tackle mis­lead­ing ad­verts that en­cour­age in­vest­ment in high-risk products, the FCA pub­lished stronger rules re­lat­ing to the fin­an­cial pro­mo­tions of high-risk in­vest­ments...
04/08/2022
Over­sight of Ap­poin­ted Rep­res­ent­at­ives
The Fin­an­cial Con­duct Au­thor­ity (“FCA”) has pub­lished new rules to im­prove over­sight over ap­poin­ted rep­res­ent­at­ives (“ARs”), which will take ef­fect on 8 Decem­ber 2022. These new rules are in­ten­ded...
04/08/2022
Cryptoassets held by in­di­vidu­als: What con­sti­tutes “trad­ing” for tax pur­poses
HM Rev­en­ue & Cus­toms (“HM­RC”) con­tin­ues to up­date and ex­pand its guid­ance on the tax­a­tion of cryptoassets held by in­di­vidu­als. In this series, we will ex­plore vari­ous tax top­ics rel­ev­ant to in­di­vidu­als...
04/08/2022
FCA fi­nal rules chal­lenge fin­an­cial pro­mo­tions of high-risk in­vest­ments
On 1 Au­gust 2022, in a bid to tackle mis­lead­ing ad­verts that en­cour­age in­vest­ment in high-risk products, the FCA pub­lished stronger rules re­lat­ing to the fin­an­cial pro­mo­tions of high-risk in­vest­ments...
04/08/2022
Over­sight of Ap­poin­ted Rep­res­ent­at­ives
The Fin­an­cial Con­duct Au­thor­ity (“FCA”) has pub­lished new rules to im­prove over­sight over ap­poin­ted rep­res­ent­at­ives (“ARs”), which will take ef­fect on 8 Decem­ber 2022. These new rules are in­ten­ded...