Partner

Bill McCaffrey

Head of Consumer Credit

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 –

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"Bill provides knowledgeable, practical advice."

Chambers, 2023
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"He possesses a high-level expertise in consumer credit."

Chambers, 2023
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"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

Global Reach

UK Pay Gap Report 2024