Ralph is a consultant in our Banking & Finance team.

He has a wealth of expertise in financial services regulation, including consumer credit, regulated mortgage contracts, payment services, insurance intermediation and fintech products. He has advised a wide range of clients, from established retail banks and credit card lenders to SMEs and start-ups.

Ralph was previously the Head of Legal at a private bank and Lead Counsel at a high street retail bank. He also has extensive experience advising senior executives on a range of risk and compliance matters at a separate bank and a major credit card issuer.

*Ralph Lovesy is a Consultant at Acuity Law working on a self-employed basis*

Advising a major white-label credit card issuer on consumer credit issues relating to overdrafts, loans and credit cards and on insurance intermediation and administration activities.

Drafting a suite of exempt secured and unsecured lending agreements for a leading legal know-how publisher.

Advising a high-street retail bank on consumer credit issues, including producing extensive policy and procedures on connected lender liability (section 75).

Drafting and amending a suite of regulated mortgage contracts for a private bank.

Advising a high-street retail bank on compliance and risk issues around current and savings accounts.

• General financial services regulatory compliance (FCA Handbook)
• Regulated mortgage contracts (FCA MCOB sourcebook)
• Consumer credit (Consumer Credit Act)
• Payment services (PSD2)
• Insurance intermediation and administration activities (ICOBS)