James Dickie

James qualified into the CMS UK Financial Services Regulatory team in August 2013, having trained with the firm. Since qualifying James has developed a particular focus on consumer financial service products, and the consumer credit and payment service markets in particular. He advises a wide range of consumer credit clients, including both retail banks and high street retailers, as well as multiple payment service providers, such as banks, new fintech entrants, and payment instrument issuers. James has particular expertise in advising captive motor finance providers and firms with unique distribution strategies (whether they be technology based or otherwise).

James has experience of all matters within the regulated product lifecycle, including assisting with the authorisation of lenders/providers and implementing FCA compliance processes; advising on the design, distribution and operation of consumer products; drafting pre-contract information, customer facing agreements/terms of business and post-contractual notices; and advising on compliance with all conduct of business rules applicable to regulated entities. Clients have commended James for his extremely practical and commercial approach in light of increasing regulatory rules and principles within the credit and payment sectors. His knowledge of both the statutory and regulatory regimes is invaluable to clients.