Home / Europe / United Kingdom / Banking & Finance / Financial Institutions Lending

Financial Institutions Lending

Back to Banking & Finance

In utilising debt finance, financial institutions face regulatory and administrative constraints that can make it difficult to align the interests of lenders, borrowers and other interested parties. Our Financial Institutions Lending team acts for banks, alternative lenders, insurers, brokers, private equity houses, fund managers and pension funds to implement funding structures that fit in with their business goals.

We use our legal, commercial and technical know-how to structure and document complex debt finance transactions in these highly regulated markets, calling on the expertise of colleagues within the UK and the CMS international network in specialisms such as taxation and regulation.

Our lawyers advise on facilities agreements, security and guarantee documentation and intercreditor arrangements in the financial institutions area. They engage globally with our corporate funds, insurance, consumer credit, taxation, financial regulation, infrastructure, real estate and other teams which bring to bear their specific sector expertise in satisfying lenders’ requirements regarding underlying agreements, reports, legal opinions and further documentation.

As a consequence, our work on specialist transactions such as investor call bridge and subscription facilities, double leverage financings, co-investment facilities and funds at Lloyd’s’ transactions, in addition to more usual liquidity and acquisition financings, is well known in financial institutions lending markets in which we have grown solid, long-standing relationships with clients who consistently turn to us for advice.

Advising the Board

Feed

07/11/2023
Future of Finance: preparing for the future of financial services
Finance and the regulation of finance has never been so complex, fast moving or fragmented. While firms are coming to terms with regulatory divergence and the ever increasing pace of reform, the wider context in which they are operating has radically changed. The emergence of generative artificial intelligence has jolted the industry awake to the risks and opportunities of new technologies, while digital assets, CBDCs, tokenisation and blockchain settlement promise to deliver radical change in the coming years. Firms must prepare and ensure that they can keep up with the pace of innovation and regulatory change.  CMS is a trusted adviser to both the world’s leading financial institutions and fast-growing market entrants, providing cutting-edge advice and helping clients to navigate regulatory change. Our Future of Finance hub brings together our latest briefings and thought leadership on the emerging issues that matter. Please contact your usual CMS contact or any member of the team referred to on the hub if you would like to discuss any of these issues further.
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.
30/10/2023
Regulatory Reform
The financial services industry has undergone major regulatory overhaul in the years since the financial crisis. This section provides legal analysis and guidance on key reforms impacting banks and other commercial lenders operating in the European debt markets. The articles in this section offer practical insights on implementing legal and regulatory requirements and will help you navigate the ever changing regulatory regime for UK financial institutions in respect of their lending activities. For further information on financial services regulation generally, RegZone provides expert analysis and news from the world of financial institution regulation.
03/07/2023
Consumer Duty
In this section: The wait is over: Consumer Duty comes into force FCA Consumer Duty – Implementation toolkit CMS Financial Services Regulation Bitesize Briefings – The new Consumer Duty
07/02/2023
E-money and e-money accounts – a guide for lenders
The development of the fintech sector over the last ten years has transformed payment systems with more individuals and businesses moving away from cash payments to using electronic money (“e-money”)...
16/06/2022
CMS advises De La Rue Trustee on £320m buy-in with Scottish Widows
International law firm CMS has advised the Trustee of De La Rue Pension Scheme (the Trustee) in relation to its £320m buy-in with Scottish Widows. The transaction covers the liabilities for approximately...
04/11/2021
Financial risk in the face of climate change
Firms not addressing climate change will face material losses and become obsolete. Unprecedented levels of standards, regulation and legislation are being implemented to encourage positive change and manage risk. In this video, Laura Houët discusses what is being implemented and its impact on businesses.
24/05/2016
CMS UK launches Brexit checklists
With only a month to go until the referendum on Britain’s membership of the EU, the political debate is intensifying as both the remain and leave groups put forward their cases. Today, we are launching...
20/01/2016
Breakfast Seminar: Implementation of UCITS V in the UK
Directive 2014/91/EU (“UCITS V”) came into force on 17 September 2014 and makes certain changes to the 2009 recast UCITS Directive. UCITS V must be transposed into UK law by 18 March 2016. A key part...
09/11/2015
CMS Financial Services continues growth with key double partner hire
CMS is pleased to announce the addition of Jason Brooks and Thomas Lockley as partners to the firm’s Financial Services & Products Team in London. Both Jason and Thomas were formerly senior lawyers...
22/10/2015
Breakfast seminar - The bank individual responsibility regime – points...
The near-final rules and guidance have been issued, and we will be looking at the practical implementation points, in­clud­ing:Al­loc­at­ing responsibilities Designing statements of responsibility and the...
02/10/2015
Breakfast seminar - The bank individual responsibility regime – points...
The near-final rules and guidance have been issued, and we will be looking at the practical implementation points, in­clud­ing:Al­loc­at­ing responsibilities Designing statements of responsibility and the...