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Banking Law and Regulation


Your back-up for banking law and regulation

CMS Germany is your specialist for all banking-specific legal issues. We provide support to clients optionally as an outsourced legal department or to complement their own in-house lawyers. Our banking expertise covers banking contract law, advice on dispute resolution, compliance issues, new banking products and financial instruments, and the German Securities Trading Act (WpHG).

We advise banks and financial services institutions, payment service providers and investment companies on licensing procedures and regulatory issues. The key areas of focus are issues related to internal structure and process organisation, outsourcing, and requirements in terms of liquidity and capital. Other regulatory matters include the prevention of money laundering, compliance requirements and international law aspects.

Service portfolio

  • Licensing
  • Capital and liquidity requirements
  • Outsourcing
  • Banking contract law
  • In-court and out-of-court dispute resolution with customers or other banks
  • Compliance requirements and assessment of specific cases
  • Development and legal assessment of new banking products and financial instruments
  • Requirements under the German Securities Trading Act
  • Cross-border banking transactions, inbound and outbound
  • Prevention of money laundering
  • Litigation 
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Study: B2B fintechs still fail­ing to gain trac­tion in 2018
An­bi­eter von in­nov­at­iver Fin­an­z­tech­no­lo­gie („Fintechs“) haben im Firmen­kun­dengeschäft 2018 nicht nach­haltig Fuß fassen können. Zwar haben sich Fintechs und Banken in der Zusammen­arbeit weit­er an­genähert, das an­hal­tend schwi­erige Mark­tum­feld birgt für beid
August 2018
BaFin greases the chain of in­vest­ment in­ter­me­di­ar­ies – mar­ket­ing of funds...
The Fed­er­al Fin­an­cial Su­per­vis­ory Au­thor­ity (Bundes­an­stalt für Fin­an­zdi­enstleis­tung­sauf­sicht, “BaFin”) has con­firmed the ap­plic­ab­il­ity of the ex­emp­tion un­der sec­tion 2 para. 6 (1) n°8 of the Ger­man Bank­ing Act (Kred­it­wesen­ge­setz, “KWG”) to in­vest­ment inte
29 December 2017
Ger­man Re­mu­ner­a­tion Or­din­ance for In­sti­tu­tions 2.0 – the key changes
The Ger­man Re­mu­ner­a­tion Or­din­ance for In­sti­tu­tions (In­sti­tuts­ver­gü­tungs­ver­or­d­nung – “IVV”) has been amended again in light of the EBA Guidelines (EBA/GL/2015/22) on sound re­mu­ner­a­tion policies...
28 December 2017
BaFin’s product in­ter­ven­tion powers in a new light
Sec­tion 4b(1) of the Ger­man Se­cur­it­ies Trad­ing Act (Wer­t­papi­er­han­dels­ge­setz, “WpHG”) gives the Fed­er­al Fin­an­cial Su­per­vis­ory Au­thor­ity (Bundes­an­stalt für Fin­an­zdi­enstleis­tung­sauf­sicht, “BaFin”) the right of "product in­ter­ven­tion" with­in Ger­many...
27 December 2017
New reg­u­la­tions for ac­count in­form­a­tion ser­vices
One busi­ness mod­el that of­fers ex­cit­ing op­por­tun­it­ies for fintech com­pan­ies in par­tic­u­lar, and which is set to gain in prac­tic­al im­port­ance, relates to “ac­count in­form­a­tion ser­vices”...
22 December 2017
Block­chain: from hype to se­cur­it­ies set­tle­ment real­ity
Ever since the in­ven­tion of the In­ter­net, the mar­ket has seen every di­git­al pro­ject as the next big thing. Block­chain emerged just a few years ago in the con­text of Bit­coin, the crypto­cur­rency, but is now grow­ing al­most daily in pop­ular­ity. The use of blo
21 December 2017
Crypto­cur­rency as a means of pay­ment
A crypto­cur­rency is a me­di­um of ex­change based on block­chain tech­no­logy. Un­like leg­al tender, a crypto­cur­rency is not is­sued by a cent­ral au­thor­ity. In­stead, it is gen­er­ated ex­clus­ively by private in­di­vidu­als...
20 December 2017
Neg­at­ive in­terest rates – the leg­al con­text
Neg­at­ive in­terest rates have played an in­creas­ingly sig­ni­fic­ant role in bank­ing prac­tice ever since the European Cent­ral Bank (ECB) began im­pos­ing neg­at­ive rates on de­pos­its from com­mer­cial banks in 2014...
July 2016
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December 2015
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August 2014
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July 2014
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