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From the largest retail or investment banks through to the newest market entrants, we support our clients to future proof their businesses against the most fundamental changes impacting the financial services sector.

We are actively helping clients to manage their digital transformation projects, restructure their businesses, implement regulatory change including consumer duty, navigate the ESG landscape, and monetise their data. Our familiarity with the broad spectrum of products and services made available by financial services business enables us to help those businesses to innovate and bring new products and services to market. 

When first mover advantage can be crucial, our ability to navigate existing regulation in new contexts and provide robust advice swiftly helps our clients to succeed. When things go wrong or disputes arise, you need holistic advice. 

Not only do we have an outstanding reputation for dispute resolution, but we also have the expertise to factor in the regulatory context and exposure. We also have specialists who routinely advise on managing reputational risk.

When you come under regulatory scrutiny, we have the experience to help you manage investigations and your relationship with regulators. By living our values of quality, imagination and impact we help clients achieve their desired outcomes in the most cost effective, commercial and pragmatic way.

We have a long history and active presence in the wealth and investment sector. Our multidisciplinary team combines expertise from our private client, regulatory, transactional and investment disciplines. Together, they support our clients across all legal and regulatory aspects in the wealth management landscape. 

As private capital continues to play a greater role in the sector, we work seamlessly across our private capital, private equity, and equity capital markets practices to advise on investment structures, fundraising, and the strategic deployment of capital. Our market-leading Private Client and Trusts practice includes lawyers who are themselves investors, bringing a practical, real-world perspective to our advice.

We have seen an increase in acquisition and consolidation activity, often backed by private equity. Our team regularly advises on both the transactional and regulatory aspects of this activity, supporting management teams and regulated firms as they navigate complex deals, integrations, and ongoing compliance requirements.

We also guide our clients through the regulatory lifecycle. We support them from initial authorisation and perimeter assessments through strategic projects, including variations of permission and implementation of new frameworks (including Consumer Duty and RDR).

Our regulatory lawyers combine private practice and in-house experience (FCA and PRA for example) to deliver market-relevant and pragmatic advice. 

With financial services specialists based in London and Edinburgh, and support from our offices in Ireland, the EU, the Middle East, and Singapore, we are well-placed to assist clients with cross-border issues and evolving regulatory regimes across key international markets.

In an era where digital finance is embedded within financial services sector, Addleshaw Goddard is at the forefront of the evolving legal and regulatory landscape and technological information. 

Our Digital Assets, Payments and FinTech Group brings together an international, multi-disciplinary team across these distinct yet interconnected areas to deliver end to end support to clients operating in the digital finance space – from scaling FinTechs to payment service providers and crypto firms to 'high-street' financial services companies.

Whether you are exploring the potential of blockchain, launching a FinTech solution, or expanding your payments infrastructure or customer payment journeys, our team of industry experts are equipped to guide you through the complexities and opportunities of the digital finance revolution.

Digital Assets 

We provide comprehensive regulatory guidance and legal advice, catering to the needs of both innovative start-ups and well-established financial entities. 

Our team is proficient in navigating the complex legal environment surrounding blockchain innovations and digital asset initiatives, offering expertise in areas from cryptocurrency to CBDCs to NFTs and beyond. With a deep understanding of blockchain technology and the broader spectrum of digital assets, we aim to transform regulatory hurdles into competitive advantages for our clients. 

Our unique blend of experience in financial market regulation and a thorough grasp of the fintech and blockchain industries, ensures that you are not only compliant with existing laws but also strategically positioned for future success.

Visit our Digital Assets page

Payments

We have one of the largest and broadest payments practices and have worked on the some of the highest profile and innovative payments projects of the last decade. 

Our lawyers frequently advise payment service providers, technology companies, retailers and banks on a range of payments systems, payment methods (including cards and alternative payment methods), and the underlying infrastructure that supports and connects the payments value chain.

Fintech

We are one of a handful of firms who sat on the Open Banking working groups developing the open banking ecosystem and are the only firm to join HMT's Open Finance taskforce. We are sole legal advisor on the UK Finance Digital Money Steering Group which is considering the challenges and opportunities of a UK Central Bank Digital Currency and reports output through to the Bank of England. 

In the Middle East, the team have led pioneering projects in the private and public sectors. This includes designing a tokenization framework in Qatar, assisting with developing an Open Banking regime in Saudi Arabia, and supporting with the establishment of the virtual asset regulatory authority in the Emirate of Dubai. In addition, they have developed a number of novel precedent documents for global market-leading technology entities and have also helped establish the world's first tokenized fund.  

Visit our Fintech page

Our team advises clients on a broad range of insurance transactional, regulatory, commercial, and contentious matters covering a wide remit from the exceptional to the everyday. 

Whether it's advising on corporate transactions (including Part VII transfers), reinsurance, distribution arrangements, product development, conduct risk, regulatory interventions or policyholder disputes, we have specialists with in-depth insurance industry experience.

The insurance sector is unique in engaging a range of disciplines and sectors and our team regularly works with insurers, brokers and policyholders to identify and manage business and legal risks to achieve your goals.

Our transactional work includes complex and high-profile M&A transactions, insurance business transfers, structured reinsurance arrangements and advisory work. Our disputes team advises on claims, coverage and reinsurance disputes and other contentious matters.

We couple this with a market leading regulatory and compliance offering and in-depth knowledge of the regulatory framework in which the insurance sector operates.

As part of our broader private capital offering, we support investors, intermediaries and asset managers on the full range of commercial, regulatory and transactional issues. 

Our advice spans fund structuring, regulatory compliance, tax planning, and complex deal execution, ensuring clients have robust legal support across every stage of the investment cycle.

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