Charlotte Harris
Associate Director, UK
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.
Insights
Retail and Consumer
Consumer credit reform in the UK: where now?
A consultation response is likely later in 2023 but reform could transform consumer and small business finance markets
20/03/2023
Banking and finance
Does new regulation spell the beginning of the end for 'buy now, pay later' in the UK?
HM Treasury consults on draft legislation for BNPL regulation
03/03/2023
Retail and Consumer
UK develops thinking on consumer credit law reform but manages expectations
Despite a strong case for reform, the complexities of a 50-year-old regime mean that change will take several years
22/12/2022
Financial Services
Consumer finance firms: who is in scope of the new Consumer Duty?
Before moving to implementation planning, firms need to make sure whether and where they are caught by the rules
22/09/2022
Financial Services
UK financial watchdog tells firms to review 'buy now, pay later' promotions
All 'buy now, pay later' products must comply with financial promotion rules or risk enforcement action, FCA warns
26/08/2022
Financial Services
UK's new consumer duty confirmed with testing timelines
Financial services firms have more time to implement newly unveiled final Principle 12 rules – but the clock is ticking
10/08/2022
Regulatory and compliance
UK Regulatory Update | October 2018
Welcome to the latest edition of our Regulatory Update.
31/10/2018
