Financial Services & Regulatory

Keypoint’s Financial Services team advises large corporations, financial institutions, financial services providers and new fintech and regtech companies on all aspects of financial services regulatory law, including:

• financial services regulation, licensing, compliance and risk assurance
• consumer and commercial credit, licensing and industry codes of practice
• e-payments, payment systems and products
• fintech/regtech regulations
• e-commerce and e-banking
  • banking and payment systems regulation
  • development and launch of financial and credit products
• finance and mortgage broking
• securitisation structures and capital raising
• wholesale and retail collective investment vehicles
• 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
• all aspects of superannuation fund operation, including prudential and regulatory compliance, disclosure, board and investment governance, member engagement and advice
• financial planning
• privacy – credit reporting and private sector regime, Spam Act, Do Not Call Register Act
• Australian Consumer Law (including unfair contract terms) and Competition and Consumer legislation
• anti-money laundering and counter-terrorism financing
• banking operations and procedures
• banking regulation and supervision
• regulatory breaches and critical incident management, including dealing with regulators such as APRA, the Australian Securities and Investments Commission (ASIC), the Reserve Bank of Australia, and the Australian Transaction Reports and Analysis Centre (AUSTRAC)
• strategic alliances and acquisitions – including white labeling and co-branded products
• loyalty and rewards programs including, credit and debit card schemes and gift cards
  • margin lending
  • personal property securities law, and
  • consumer protection

The Financial Services team also acts on associated commercial transactions including new product development, fintech products, electronic banking, payment systems, peer to peer lending, securitisation, capital raising, crowd funding, digital currencies, loyalty programs, outsourcing, white labelling, alliances, restructures, acquisitions and disposals.