Charlotte is an Associate Director in the Financial Institutions Group, specialising in consumer finance and retail banking regulation.

She is experienced in advising a wide range of clients across the retail banking, asset finance and point of sale finance sectors on all aspects of consumer credit regulation and compliance issues arising in relation to the Consumer Credit Act 1974 and the FCA Handbook. Charlotte also advises on related consumer protection legislation such as the Consumer Rights Act 2015.

Charlotte has particular expertise in advising clients on whether the activities they are conducting constitute credit-related regulated activities, drafting credit and hire documentation, including agreements and post-contractual notices and advising on remediation issues as a result of non-compliance with the regulatory regime. She also has experience of providing regulatory support on loan portfolio sales and advising on mortgage regulation.

Charlotte joined Osborne Clarke in October 2017, having previously been a Managing Associate at Addleshaw Goddard. She has also spent 5 years working in-house at both RBS and Investec Bank plc.