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

  1. Advising on various issues around FCA compliance, the application of the FCA Handbook and the implications of carrying out regulated business activity.
  2. Handling various complex applications to the FCA for change of controller.
  3. Assisting on various PE transactions involving regulatory issues in respect of due diligence and risk advice.
  4. 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. 
  5. Acting for various banks, private equity houses and funders in reviewing and advising on their current security arrangements.
  6. Assisting with the drafting of new loan and security documentation in respect of a legacy bridging financier. 
  7. Drafting the standard documentation including a master hire purchase and master lease agreement, for a captive funder in the vehicle finance sector.