Open navigation
Search
Search
All expertise
Explore our breadth of expertise.
International Desks
Helping you access overseas markets with support from our country and region-specific experts.
Sectors View all
Practice Areas View all
Offices
Discover the scope of our presence in the jurisdiction.
Global Reach
Learn about our capabilities beyond borders.
CMS United Kingdom
All insights
Leverage our expert analysis, intelligence and thought leadership for your strategic advantage.
Personalised updates
Receive tailored insights and intelligence that apply directly to your business.
Topics in Focus View all
Insights by type
CMS Spotlight: join our events and webinars!
CMS News
Stay up to date with our growth, evolution and our many successes.
CMS Press Office
Contact us
For all general enquiries.
About CMS
CMS Careers

Select your region

International Europe Africa Asia-Pacific The Americas Middle East
Partner

Bill McCaffrey

Head of Consumer Credit

London, United Kingdom
Languages
  • English

Bill McCaffrey is a partner in the Financial Services and Products team and Head of its Consumer Credit practice.

Consistently top ranked in the Chambers UK legal directory, he is singled out for his in-depth understanding of the market.

He focuses on legal and regulatory issues relating to secured and unsecured loans, instalment credit, leasing, asset finance, payment services and electronic money.

Bill joined CMS from Salans where he was a partner for 7 years. Before that he spent 14 years as a senior in house lawyer at Abbey National plc, First National Bank plc and Wagon Finance Limited.

Awards & Recognitions
01 –
  • Quote
    "Bill provides knowledgeable, practical advice."
    Chambers, 2023
  • Quote
    "He possesses a high-level expertise in consumer credit."
    Chambers, 2023
  • Quote
    "He is pragmatic, commercial, experienced and clearly an expert in his field."
    Chambers, 2023

Relevant experience

  • Creditors and lessors on documentation and procedures for credit and hire products.
  • Credit agreements, statutory statements and notices.
  • Lenders and lessors on finance advertising.
  • Payment Services Regulations including obtaining authorisation and passporting.
  • Electronic Money Regulations including authorisation and passporting.
  • Asset portfolio acquisitions and sales.
  • Lender and lessor trading agreements with suppliers and intermediaries.
  • Account terms and conditions.
  • Block discounting, factoring and invoice discounting agreements.

Publications

  • Bill is consulting editor for Halsbury’s Laws of England: Consumer Credit 

Education

  • 1986 – LLB, Strathclyde University, Glasgow
  • 1987 – Law Honours, Strathclyde University, Glasgow
  • 1988 – Dip LP, Strathclyde University, Glasgow
Practice Areas
Banking & Finance Financial Institutions Lending Financial Services & Regulation Dispute Resolution

Insights by Bill

See all Insights
Legal Update United Kingdom

Secret commissions: Supreme Court clarifies the law and FCA to consult on motor finance redress scheme

04 Aug 2025 17 min read
Legal Update United Kingdom

Secret commissions: Supreme Court clarifies the law and FCA to consult on motor finance redress scheme

04 Aug 2025 17 min read
Legal Update United Kingdom

Mansion House speech July 2025: Points of interest for the banking sector

25 Jul 2025 34 min read
Legal Update United Kingdom

Mansion House speech July 2025: Points of interest for the banking sector

24 Jul 2025 34 min read
Back to top Back to top
You will now find all Law-Now content on CMS.law
Explore more
If you want to use third party tools, please enable personalisation cookies as part of your cookie preferences. You can change this setting at any time via the button below or in our Cookie Notice.