Whether you are a buy-now-pay-later start-up looking to grow your business, an established financial institution acquiring the latest fintech technologies or a bank consortium looking to outsource your payment solutions, the CMS fintech team is uniquely positioned to support you. From investment agreements and fundraising options to regulatory compliance issues and to outsourcing arrangements, our team combining finance and technology experts provide you with innovative solutions that meet your particular requirements.
- Regulation – We have extensive contentious, non-contentious advisory and transactional regulatory expertise. Our team can assist you dealing with financial authorities and handle supervisory and enforcement issues as diverse as capital adequacy, financial crime and distribution channels.
- Regtech – We have garnered a substantial reputation for our work supporting FinTech businesses, whether it is helping to launch crowdfunding platforms, providing advice to funds and similar businesses that are adopting AI processes in a highly regulated environment, or taking initial coin offerings from concept to launch.
- Innovation, crowdfunding & Cryptocurrencies – Our team can advise you on the impact of advances in AI, distributed ledger technologies, NFTs, web3, cloud computing, robotics and countless other technologies that are still to come. We can help you to make sure that you are positioned to benefit from them commercially, whilst meeting all legal obligations.
- Protection of personal data – We help our clients by putting in place adequate procedures, policies and protections against any possible infringement claims or fines.
- Debt & equity funding – Our specialist banking team advises on loan and security arrangements, while our industry experts advise on the risks specific to each business and on enforcement strategy based on the particular assets. We also advise VC Funds and corporate investors in their investments into start-ups and support business founders of finding funders that help grow their company.
Please browse the sections below to find out more about how we can help you:
Data Protection
Regulation and Regtech
Innovation, Crowdfunding & Crypto-currencies
Lending Transactions
M&A Transactions
Payments
To find out more about our views and hot topics related to FinTech, please take time to browse our Insights section.
To find out more about CMS’ equIP accelerator programme for start-ups please visit our equIP and start-ups section or contact one of our FinTech team.
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Our specialist practice areas
Legal experts for FinTech
Regulatory News
See allThe SI amends the Child Trust Funds Regulations 2004 to deliver the Government’s decision that, with effect from 6 April 2026, cryptoasset exchange traded notes cannot be held within a Child Trust Fund (CTF). It also provides that such notes which were held in a CTF prior to 6 April 2026 can be retained within the account.
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The SA amends the Individual Savings Account Regulations 1998 to deliver the Government’s decision to allow LTAFs to be qualifying investments for a stocks and shares ISA. It also delivers the Government’s decision that cryptoasset exchange traded notes (cETNs) are to be qualifying investments for an Innovative Finance ISA. (Date in force: 6 April 2026)
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FCA has published the latest of its QCPs, which seeks feedback on various proposed amendments and corrections, including with regard to: amendments to CASS in relation to cryptoasset activities; transparency requirements for financial instruments and rights of action for damages in MAR; increasing the threshold for commodity derivatives under UK EMIR; amending the prohibition on non-cash distributions on own funds instruments for FCA investment firms; minor changes to UK Listing Rules, and amendments relating to ENFG, UNFCOG, ICOBS and CONC.
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FCA has published information for cryptoasset firms that are currently using the services of an FCA-authorised firm to approve their cryptoasset financial promotions.
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Text of Nikhil Rathi’s speech of 26 February 2026 follows. He discusses regulatory issues affecting the wholesale sector, including AI and cryptocurrency.
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