Expertise
Gemma acts for a wide range of corporates, PE houses, asset finance and leasing companies as well as consumer finance and short-term lenders. This is in addition to her significant experience of acting for bank, private equity investors and corporate borrowers in a range of sectors.
Gemma’s expertise focuses on the financial regulatory sector, including assisting with applications for FCA authorisation, change of control advice, regulatory reporting and advising on a wide range of Consumer Credit Act queries. She is also familiar with assisting on the diligence aspects of M&A work and guiding clients and colleagues through regulatory pitfalls.
Gemma also has experience in equipment leasing and asset finance (both regulated and non-regulated), commercial and consumer lending alongside regulatory consumer credit work.
Experience
- Advising on various issues around FCA compliance, the application of the FCA Handbook and the implications of carrying out regulated business activity.
- Handling various complex applications to the FCA for change of controller.
- Assisting on various PE transactions involving regulatory issues in respect of due diligence and risk advice.
- Drafting a set of standard documents for a start-up loans business which has devised a completely novel form of funding in its specific market sector.
- Acting for various banks, private equity houses and funders in reviewing and advising on their current security arrangements.
- Assisting with the drafting of new loan and security documentation in respect of a legacy bridging financier.
- Drafting the standard documentation including a master hire purchase and master lease agreement, for a captive funder in the vehicle finance sector.