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Banking & Finance

The CMS Luxembourg Banking & Finance team provides local and pan-European expertise in the full spectrum of banking, finance, regulatory and capital markets law.

In one of the most important financial marketplaces in Europe, CMS Luxembourg ensures its services are ahead of market trends, anticipating the challenging environment of your business. Our priority is resolving your challenges and offering you innovative tailor-made solutions in order to make your business thrive.

Whether you are a bank or a corporation, a financial service provider or an entity confronted with regulation, we have banking & finance experts to help, whatever your situation.

The CMS Banking & Finance practice is one of Europe’s largest with over 500 banking and finance lawyers who have proven their pan-European skills in working together for more than one decade.

Whether you seek deep-rooted local advice or multi-jurisdictional expertise, our teams will advise you seamlessly. We select a team of highly-qualified and experienced lawyers that will best fit with the scope of your matter. This organisation allows us to be flexible while providing top level project management.

Over the years, we have been advising a vast range of clients, both foreign and domestic, such as commercial and investment banks, private banks or investment companies on common deals but also on major transactions.

We aim to be one step ahead of market developments, in order to build relationships with you that last.

"Technically they have the right expertise to assist in any kind of matter, irrespective of its complexity. Their “future facing” brand is more than simple words, and they are always anticipating the client’s needs with superb service."

Legal500, 2022

"The team is proactive with good knowledge of relevant banking and finance principles."

Legal500, 2022

"They provide a prompt efficient service, understanding clients’ cross-border requirements."

Legal500, 2022

"An excellent level of commitment to quality, significant knowledge and understanding in many areas related to banking law, high analytical skilled lawyer, best responsiveness, listening skills, high availability."

Legal500, 2022

"It is a very capable and efficient team which provides a great level of service."

Legal500, 2021

Choose an area

FinTech
CMS Luxembourg FinTech team brings together the strengths of market-leading legal,  technological expertise, and industry knowledge. With our sub
Regulatory
The daily challenges you face in doing business in a highly regulated, cost-pressured environment mean you need advisers who have an unparalleled unde
Transactional
Our team has a wide experience in a large number of lending transactions. We have acted as counsel to foreign and domestic banks and companies in (re)
13/06/2018
CMS introduces Private Placements online Questionnaire
Private placements are increasingly being used for debt funding as an al­tern­at­ive to bank financing Find the right one for you! The market offers a large number of Private Placement (PP) products with...

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12/09/2024
Real estate finance law in Luxembourg
A. Mortgages 1. Can security be granted to a foreign lender? Foreign lenders are not restricted from taking mortgages over immovable property located in Luxembourg. 2. Can lenders take a mortgage over...
30/07/2024
Bill of law - Blockchain law IV aiming at facilitating the use of distributed...
On 24 July 2024, bill of law 8425 (the “Bill of Law”) was filed with Luxembourg Parliament.The Bill of Law aims at improving the current legal framework for dematerialised securities to ensure greater...
26/07/2024
The management of ESG risks by credit institutions pursuant to CRD VI
CRD VI Directive sets out further requirements regarding credit institutions’ practices for managing ESG risks.On 9 July 2024, the new Capital Requirement Directive n°2024/1619 of the European Parliament...
22/07/2024
Creditors’ protection enhanced in financing railway rolling stocks following...
The Cape Town Convention on international interests in mobile equipment (the “Con­ven­tion”) was adopted on 16 November 2001 and promotes the financing and acquisition of certain type of assets. It...
19/07/2024
New regime relating to non-performing loans
The law of 15 July 2024 on transfer of non-performing loans (the “Law”) was published in the Official Journal of the Grand-Duchy of Luxembourg. It aims at implementing Directive (EU) 2021/2167 on...
05/07/2024
ESAs’ final reports on Greenwashing in the financial sector
Back­ground­Man­dated by the European Commission (the “EC”) in May 2022, the European Supervisory Authorities (“ESAs”) published their individual final report (the “Final Report”) on greenwashing...
03/07/2024
Russia sanctions: Non-EU subsidiaries to comply with EU law
On 24 June 2024, the EU adopted the 14th package of sanctions against Russia, introducing new restrictions on goods and services and listing more individuals and legal persons. In practice, more relevant...
21/06/2024
Publication of CRD6/CRR3: countdown to implementation of third country...
On 19 June 2024, the final texts of the EU banking package known as CRD6 and CRR3 were published in the Official Journal of the European Union. As covered in our earlier update, CRD6 introduces a new...
19/06/2024
Update on the AML-CTF Package: publication in the Official Journal of the...
The last three remaining texts of the AML-CTF Package (i.e. the AML Directive [1], the AMLA Regulation [2] and the AML Regulation [3]) have been published in the OJEU on 19 June 2024.For more background...
14/06/2024
Implementation of EU acts on digital operational resilience (DORA) into...
On 13 June 2024, bill of law 8291 on digital operational resilience (“DORA”) (the “Law”) was voted by the Parliament.The Law aims at (i) applying the rules set out in Regulation (EU) 2022/2554...
10/06/2024
ESMA issues first formal guidance on use of AI in retail financial services
The European Securities and Markets Authority (ESMA) recently released a public statement on the use of artificial intelligence (AI) in the provision of retail investment services. The statement provides...
28/05/2024
EU to create new anti-money laundering authority
On 19 June 2024, the Regulation (EU) 2024/1620 of the European Parliament and of the Council of 31 May2024 establishing the Authority for Anti-Money Laundering and Countering the Financing of Terrorism...