The Financial Services Regulatory landscape is complex and ever-changing. The Piper Alderman Financial Services and Regulatory practice has the experience and expertise to navigate this specialist area, and to provide the type of strategic and commercial legal advice that provides true value to clients.

Piper Alderman’s Financial Services and Regulatory practice advises large corporates, financial institutions, financial services providers and new fintech ventures on all aspects of financial services regulation, including:

  • financial services regulation, licensing, compliance and risk assurance

  • consumer and commercial credit, licensing and industry codes of practice

  • banking licensing (including restricted authorised deposit-taking institutions (RADIs))

  • e-payments, payment systems regulation and products

  • fintech/regtech regulation, development and launch

  • development and launch of financial and credit products

  • finance and mortgage broking and financial planning

  • peer-to-peer lending and crowdfunding arrangements

  • outsourcing arrangements with administrators, custodians and other service providers

  • formal disclosure documents and plain English documents, including loan and security documents

  • privacy – credit reporting and private sector regime, Spam Act, Do Not Call Register Act

  • Australian Consumer Law (including unfair contract terms) and consumer protection

  • anti-money laundering and counter-terrorism financing and sanctions

  • banking operations and procedures and banking regulation and supervision

  • regulatory breaches and critical incident management, including dealing with regulators such as the Australian Prudential Regulation Authority (APRA), the Australian Securities and Investments Commission (ASIC), the Reserve Bank of Australia (RBA) and the Australian Transaction Reports and Analysis Centre (AUSTRAC)

  • strategic alliances and acquisitions – including white labelling and co-branded products

  • domestic and international funds management and investment funds

  • offshore funds

  • REITs and infrastructure funds, and structured products experience

  • financial and investment products and structures and corporate matters

  • loyalty and rewards programs including, credit and debit card schemes and gift cards

  • securitisation structures and capital raising

  • wholesale and retail collective investment vehicles 

  • personal property securities law 

  • insolvency and restructuring; and 

  • corporate lending, asset based financing, project and acquisition financing, international trade financing and treasury (ISDA) transactions. 

Piper Alderman’s team also acts on associated commercial transactions including new product development, fintech developments, electronic banking, peer to peer lending, crowd-sourced funding, digital currencies, loyalty programs, outsourcing, white labelling, alliances, restructures, acquisitions and disposals.

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