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Banking & Finance

As a participant in the global banking and finance industry, you are faced with increasing financial, regulatory and political pressures. New rules on capital requirements, risk profile and investor protection pose challenges for your organisation.

We have unmatched geographical coverage and more English and US qualified banking and finance partners on the ground in CEE than any other law firm. We are your first port of call whether you are planning a cross-border transaction with a multi-jurisdictional security package or loan portfolio or implementing a first-of-a-kind financing structure in your domestic market.

The 15-strong team at CMS Romania is ‘extremely competent from partner through to junior lawyer’.
Legal 500

The 15-laywer strong Banking & Finance team in Bucharest is top-ranked by all the main international legal directories. Within our Bucharest team, we have four English and/or New York qualified finance lawyers. We are a recognised centre of excellence for English law governed finance transactions in the region and provide English and Romanian legal advice and transaction management directly from our Bucharest office across CEE and the Balkans.

Whether you are a financial institution, equity house, asset manager, mutual fund, accountant, privately owned company, corporation or public entity, your business is only as good as the products and services you sell.

That’s why we organise our teams along the business lines of your sector, giving us deep insight into the commercial and legal issues you face. From general corporate lending to acquisition and leveraged finance, derivatives and securitisations to real estate finance and corporate recovery, we can help you achieve the best outcome, both locally and across jurisdictions.

CMS Romania connects you to over 500 banking and finance lawyers in 34 countries worldwide.

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Restructuring, Business Transformation & Insolvency
CMS can help you with restructuring, insolvency and transforming your business. Whether caused by rapid technological developments, consumer preferenc

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15/03/2024
Real estate finance law in Romania
A. Real Estate Mortgages 1. Can security be granted to a foreign lender? Foreign corporate lenders are not restricted from taking mortgages over immovable property located in Romania. 2. Can lenders...
06/03/2024
Knowledge on information and communication technology and security are...
On 21 February 2024, the European Central Bank released a supervision newsletter on new policy / its expectation for more bank board expertise on information and communication technology (“ICT”) and...
01/03/2024
Harmonisation of insolvency avoidance rights from the Romanian perspective
The EU directive harmonising certain aspects of insolvency law, a Proposed Directive published by the European Commission on 7 December 2022, sets minimum harmonisation standards in all member states...
13/02/2024
EU legislative initiatives on recovery and resolution planning for insurance...
With the compromise proposal for an Insurance Recovery and Resolution Directive (IRRD) published by the EU Council in January 2024, EU legislative initiatives to establish a recovery and resolution framework...
23/01/2024
New EBA guidelines to manage AML risks as part of the activities of crypto-asset...
EBA released guidelines amending ML/TF Risk Factors Guidelines to include crypto-asset service providers within its AML framework.On 16 January 2024, the European Banking Authority (EBA) released its...
10/01/2024
Harmonisation of insolvency avoidance in Europe
This article continues our Law-Now series "Harmonisation of Insolvency Laws in the EU" in which we provide an overview of the articles addressing insolvency avoidance actions of the draft EU directive.As...
29/12/2023
Tackling the misuse of crypto-assets for ML-TF purposes
As a constantly evolving sector, the crypto-assets ecosystem presents continuous challenges, particularly in terms of money laundering and terrorist financing (ML-TF) risks.To tackle the misuse of crypto-assets...
13/12/2023
Finalisation of CRD6/CRR3 and the Article 21c third country branch requirement
On 6 December 2023, the finalised texts of the EU banking package known as CRD61and CRR32 were published following the conclusion of negotiations between the EU co-legislators. In this article, we set...
06/12/2023
EU publishes Directive on distance financial services contracts in Official...
In November 2023, the EU legislator adopted the new Directive regarding financial services contracts concluded at distance.This Directive essentially aims to modernise the existing legal framework governing...
15/11/2023
NFTs under MiCAR – are they regulated or not?
The Markets in Crypto-Assets Regulation (MiCAR) sets down a harmonised regulatory framework for crypto-assets. MiCAR's overarching goal is to extend regulatory oversight to those categories of cryptos...
15/11/2023
European Parliament adopts Data Act
On 9 November 2023, the European Parliament adopted the harmonised rules on fair access to and use of data (the Data Act), which complements the Data Governance Act of November 2020 by laying down rules...
19/10/2023
Safeguarding the digital vault: custody and administration of crypto-assets...
With the rise of cryptocurrencies and blockchain technology, European regulators have recognised the need to establish a comprehensive framework to ensure the sector's integrity, transparency and the...