Financial Institutions

Guiding you through a rapidly changing financing, payments, investment, economic, and geopolitical landscape.

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Financial Institutions

Guiding you through a rapidly changing financing, payments, investment, economic, and geopolitical landscape.

Subscribe to receive our insights.

Our cross-border, multidisciplinary teams deliver the experience and insight you need, wherever and whenever you need it. Whether you're entering new markets, launching innovative products, patenting new technologies, navigating structural reform, managing risk or responding to geopolitical or economic upheaval, we assemble bespoke teams tailored to your specific goals.

We have deep expertise in working with retail and investment banks, intermediaries, FinTech and digital finance companies, asset managers, and financial market infrastructure providers, coupled with trusted relationships with industry bodies and regulators. This means we can [help you stay ahead of the pack and can] bring a complete market view to your projects.

Sitting at the intersection of business and government means we can help to navigate regulatory complexity, to find workable solutions, or advocate for change where necessary.

Our global understanding of what is happening across our sector can help you to grow in new and existing markets. We can assist in the strategy, design, licensing, governance, and rollout of new products, or in the acquisition of new businesses.

We have an exceptional ability to deliver on transatlantic contentious matters. We can help you through major regulatory investigations or assist with internal reviews across your global business to ensure compliance with the complex web of regulatory requirements.

Because you work globally, so do we. With teams on the ground in major financial hubs, and offices in developed and emerging economies working seamlessly together, we can provide you with a holistic service for your business.

Banking and Loan Finance

Digital Assets and Blockchain

Financial Services

Derivatives and Structured Products

Direct Lending

FinTech

Financial Services Regulatory Investigations and Enforcement

Sustainable Finance and Investment

Payment Services

Consumer Finance

Market Infrastructure

We represent some of the biggest, most active global banks and financial institutions. We find solutions to their regulatory enforcement issues, class actions, and other major litigation risks, furthering their strategic goals.

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Whether you are considering a new financing, refinancing options, or a restructuring, our banking lawyers positioned around the world function as an integrated team to anticipate your needs. We advise on innovative lending transactions, bank products, credit products, deal structures, and on all types of secured transactions to meet your goals.

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We have an exceptional cross-sector Digital Asset and Blockchain practice, with deep experience advising on complex, first-in-kind matters. We are at the forefront of change, and our lawyers play a leading role in the development of emerging regulatory frameworks for digital assets. Our team is at the heart of the industry. We advise policymakers across the world as they look to implement new regulatory regimes. We counsel digitally native firms as well as established financial institutions. We partner with industry associations such as Global Digital Finance. We consistently move the needle on every discussion.

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The pace of change in financial services continues. Consumer habits are shifting; financial technology is altering service delivery; and regulation is responding and evolving. We have a multidisciplinary transactional, regulatory, and advisory team recognized globally for supporting clients at the very forefront of the financial services industry.

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When it comes to derivatives and structured products, we can help you address complex legal, regulatory, and tax implications. Our lawyers advise clients across the world on a complete range of derivative and structured product transactions. Across all asset classes and globally, we provide an integrated approach. Major financial institutions, funds, government-sponsored entities, asset managers, and commercial end-users turn to us for competitive, knowledge-based services including setting up platforms and implementing regulatory requirements.

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The global lending market is evolving in response to competitive pressures and regulatory changes, with direct lenders becoming increasingly sophisticated and expanding their international reach – often operating independently or in partnerships with banks. Our team has played a leading role in this space since the inception of direct lending in Europe, advising across the full lending lifecycle: from fund structuring and setup, to supporting lenders and borrowers on financing transactions, including regulatory and tax considerations, and offering restructuring guidance when needed.

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We are excited by innovation and committed to ensuring that our FinTech clients develop sustainable businesses that are legally fit for the future. We have one of the largest and most experienced FinTech-focused global legal teams, covering payments, consumer finance, transaction banking, investment management, marketplaces, exchanges, cryptoassets, sustainable banking, ESG finance, and blockchain technologies.

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We have assisted financial services clients in many of the world’s largest investigations. From LIBOR to FX trading and precious metals, we have had pivotal roles across the board. We are truly global, handling all aspects of cross-border investigations as a single firm.

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We have a multidisciplinary global team of lawyers committed to supporting clients across transactional and regulatory disciplines. We deliver the tools, products, and solutions required to help clients overcome challenges and take advantage of the many opportunities arising in this rapidly evolving sector.

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The payments industry is seeing exponential growth and evolution across the globe. Whatever the scale of your business or your position in the payments ecosystem, we can help you understand and address this complex, challenging, and rapidly developing space.

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Our top-ranked team is recognized globally for supporting clients at the very forefront of the financial services industry. Our highly collaborative team advises across borders and specializations, working seamlessly with other departments to provide a truly global and multi-disciplinary service spanning transactional, regulatory, contentious, and advisory work. We have long-standing relationships with a full range of banks and regulators across global markets. We also advise payment institutions, e-money providers, FinTech companies, lenders, and newer market entrants such as challenger banks. This keeps us close to the latest technology and market developments.

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We advise on regulation, systems and controls, and enforceability of rules against insolvent members. We have worked on some of the biggest market infrastructure projects in recent years, including the establishment of new clearing houses. Our experience advising market infrastructure operators also makes us well-placed to advise the users of these critical systems.

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Our capabilities at a glance

800

Financial institution lawyers

Global Financial Services Regulatory Team of the Year and FinTech Law firm of the year

Hear from our clients and industry leaders

Hogan Lovells represents international clients across its full-service scope, providing an excellent cross-border service for a range of contentious, transactional and regulatory work."

Chambers & Partners 2025

Hogan Lovells is unique in the way in which the whole team works together in a non-hierarchical, collaborative, and collegiate manner – while still providing an outstanding level of client-oriented service."

Legal 500 2024 (client quote)

Deep financial industry knowledge which makes them a perfect fit to solve complex legal needs."

Legal 500, 2024 (client quote)

We come across them as a big international player that is involved in complex, cross-border work. It is a top firm, they have a great technical payments and lending team. They are involved in market-leading work with impressive clients. The firm maintains a top reputation here…"

Chambers & Partners, 2024 (client quote)

Hogan Lovells' responsiveness, timeliness and clear, succinct advice is invaluable. The team is instrumental in getting important matters over the line and they are fantastic to work with."

Chambers & Partners, 2024

Key contacts

Louise Lamb

Partner

Louise Lamb

Partner

London

Dr. Patrick Ayad, M.Jur. (Oxford)

Partner

Dr. Patrick Ayad, M.Jur. (Oxford)

Partner

Munich, Berlin

Phoebe A. Wilkinson

Partner

Phoebe A. Wilkinson

Partner

Global category, IFLR

2025

FinTech Law firm of the year

Chambers UK Awards

2025

Law Firm of the Year

European Securitization Awards

2024, 2025

Recognized for ESG and high-impact cross-border transactions

GlobalCapital Latin America Bond Awards

2025

Top ranked for second year in a row for equity transactions in India and APAC

2025

Recognized for a leading role on two of India Business Law Journals Deals of the Year

2024

Awarded Latin American Restructuring Deal of the Year

Latin Lawyer Deal of the Year Awards for the Americanas Chapter 15 restructuring

We are trusted by the world’s leading innovators to handle cutting-edge and mission-critical matters, including reputational and regulatory requirements involving data privacy, cybersecurity, and operational resilience.

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Future of Energy

Future of Energy - We help to develop the innovative financing solutions needed to help fund the dramatic global increases in demand for alternative energy as nations grapple with threats to energy security, climate resilience and the supply of energy to data centres and other new technology infrastructure.

Future of Energy

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Financial Institutions Horizons 2025

Highlights the key trends that will shape the financial institutions landscape. Our report examines key developments that will define the sector and offers insights into how financial institutions can adapt to emerging risks and opportunities. By addressing these critical areas, financial institutions can navigate uncertainty while seizing opportunities for growth and resilience in 2025 and beyond.

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InCrowd: Insurance Essentials for Corporates

Whatever sector you operate in, insurance plays a critical role in protecting you from risk and helping you succeed. Our global Insurance team helps businesses in every sector with their insurance needs, providing market-leading strategic guidance on complex and high value matters. Watch our Insurance Essentials video series below to find out more about some of the ways that insurance can help your business thrive.

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Digital Client Solutions

Empowering you to lead change through our digital solutions.

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Financial Institutions

Guiding you through a rapidly changing financing, payments, investment, economic, and geopolitical landscape.

Financial Institutions

Guiding you through a rapidly changing financing, payments, investment, economic, and geopolitical landscape.

Our practices shaped by your issues