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Banking & Finance

As a participant in the global banking and finance industry, you face increasing financial, regulatory and political changes. CMS is a one-stop-shop for all your challenges across the world. So, whether you are a bank or a corporation, a financial service provider or other regulated operator, an investment fund or public institution, our priority is resolving your challenges.

CMS Banking & Finance provides local and international expertise across the full spectrum of banking and finance, to advise you on:

  • Banking law and regulation
  • Finance
  • Restructuring
  • Capital markets

As a group we combine our expertise to drive important issues for our clients through regular and pertinent communication, expert guides and thought leadership.

We offer pragmatic business solutions, based on in-depth understanding of your industry. We strive to be both your business partners and your trusted lawyers.

From deep-rooted local advice to multi-jurisdictional expertise, we offer you consistent, top quality service. Our lawyers across the globe know one another and work together in specially selected teams to focus on your specific needs.

Please reach out to any of our Banking & Finance lawyers to explore solutions to your needs.

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Restructuring & Insolvency
The necessity of restructuring measures can have a wide variety of backgrounds. This can have various legal consequences and is not necessarily associ
24/07/2019
CMS Bank­ing & Fin­ance Glob­al Bro­chure
Fin­an­cial and bank­ing le­gis­la­tion does not stand still. So neither do we.At CMS we em­ploy over 500 bank­ing & fin­ance law­yers to an­ti­cip­ate, in­ter­pret and ad­vise on the loc­al, cross-bor­der and in­ter­na­tion­al...
CMS Ex­pert Guides
Easy ac­cess to ex­pert ad­vice that’s rel­ev­ant to you
Reg­Zone
The clear­er view on fin­an­cial ser­vices reg­u­la­tion

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24/06/2022
Reg­u­la­tion on for­eign sub­sidies is head­ing for the fin­ish line - European...
Since 5 May 2022, EU tri­logue ne­go­ti­ations have been un­der­way on the first Reg­u­la­tion to lim­it the ef­fect of sub­sidies from third coun­tries to com­pan­ies act­ive in the EU. That an agree­ment will be reached...
22/06/2022
Hun­gary in­tro­duces ex­tra taxes on bank­ing and in­sur­ance sec­tors
On 4 June 2022, the Hun­gari­an gov­ern­ment ad­op­ted a new gov­ern­ment de­cree in­tro­du­cing sec­tor-spe­cif­ic taxes for com­pan­ies viewed by the gov­ern­ment as gen­er­at­ing "ex­tra profits" in the cur­rent ad­verse eco­nom­ic...
21/06/2022
Fin­an­cial Mar­ket In­fra­struc­tures – a new era of re­spons­ib­il­ity for in­di­vidu­als
HMT has an­nounced that it in­tends to pro­ceed with its new Seni­or Man­agers & Cer­ti­fic­a­tion Re­gime (SM&CR) for fin­an­cial mar­ket in­fra­struc­tures (FMIs).  The new re­gime will be sim­il­ar to the SM&CR for...
21/06/2022
Fin­an­cial Ser­vices Fu­ture Reg­u­lat­ory Frame­work: A bon­fire of in­vestor pro­tec­tion?
The House of Com­mons Treas­ury Com­mit­tee (TSC) has pub­lished its second re­port on the fu­ture of fin­an­cial ser­vices reg­u­la­tion, con­sid­er­ing the pri­or­it­ies for reg­u­lat­ory change. Its find­ings strike an...
21/06/2022
Fin­an­cial Ser­vices Fu­ture Reg­u­lat­ory Frame­work: A bon­fire of in­vestor pro­tec­tion?
The House of Com­mons Treas­ury Com­mit­tee (TSC) has pub­lished its second re­port on the fu­ture of fin­an­cial ser­vices reg­u­la­tion, con­sid­er­ing the pri­or­it­ies for reg­u­lat­ory change. Its find­ings strike an un­ex­pec­tedly...
20/06/2022
Fin­an­cial Mar­ket In­fra­struc­tures – a new era of re­spons­ib­il­ity for in­di­vidu­als
HMT has an­nounced that it in­tends to pro­ceed with its new Seni­or Man­agers & Cer­ti­fic­a­tion Re­gime (SM&CR) for fin­an­cial mar­ket in­fra­struc­tures (FMIs). The new re­gime will be sim­il­ar to the SM&CR for oth­er...
17/06/2022
EBA guidelines on the role and re­spons­ib­il­it­ies of the AML/CFT Com­pli­ance...
On 14 June 2022, the European Bank­ing Au­thor­ity (“EBA”) re­leased its guidelines on policies and pro­ced­ures in re­la­tion to com­pli­ance man­age­ment and the role and re­spons­ib­il­it­ies of the anti-money...
17/06/2022
Lenders told to sup­port con­sumers strug­gling with the cost of liv­ing
The FCA has sought to ad­dress the im­pact of the rising cost of liv­ing on con­sumers by writ­ing to Chief Ex­ec­ut­ives of over 3,500 lenders re­mind­ing them of the stand­ards they are ex­pec­ted to up­hold (the...
17/06/2022
Con­sumer Cred­it Act to be re­formed
The Gov­ern­ment has an­nounced that it is com­mit­ting to re­form the Con­sumer Cred­it Act 1974 (“CCA”), which reg­u­lates lend­ing, in­clud­ing cred­it cards and per­son­al loans. This re­form is part of a drive...
17/06/2022
Lenders told to sup­port con­sumers strug­gling with the cost of liv­ing
The FCA has sought to ad­dress the im­pact of the rising cost of liv­ing on con­sumers by writ­ing to Chief Ex­ec­ut­ives of over 3,500 lenders re­mind­ing them of the stand­ards they are ex­pec­ted to up­hold (the...
17/06/2022
Con­sumer Cred­it Act to be re­formed
The Gov­ern­ment has an­nounced that it is com­mit­ting to re­form the Con­sumer Cred­it Act 1974 (“CCA”), which reg­u­lates lend­ing, in­clud­ing cred­it cards and per­son­al loans. This re­form is part of a drive...
16/06/2022
DLT Pi­lot Re­gime: a frame­work for DLT mar­ket in­fra­struc­tures
1. Back­ground and scope On 2 June 2022, Reg­u­la­tion (EU) 2022/858 of the European Par­lia­ment and of the Coun­cil on a pi­lot re­gime for mar­ket in­fra­struc­tures based on dis­trib­uted ledger tech­no­logy (“DLT”)...