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Turning Crisis into Strategy: Contracts, projects and disputes at a global chokepoint
We are passionate about innovation and committed to our FinTech clients develop sustainable businesses that are legally fit for the future.
We have one of the largest and most experienced FinTech-focused global legal teams, covering payments, consumer finance, transaction banking, investment management, marketplaces, exchanges, cryptoassets, sustainable banking, ESG finance and blockchain technologies.
Since the launch of Zopa,the world’s first P2P lender, in 2004, we have advised the most dynamic FinTechs at all stages of their growth cycle. As your trusted advisors, we will guide you through the constantly evolving regulatory framework in the FinTech sector to ensure your team have the tools they need to grow, succeed and innovate.
Our capabilities at a glance
40
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40+ startups mentored, investing £1M since 2017 launch
1
st
1st Secured one of the first crowdfund authorisation for a client in Ireland
Hear from our clients and industry leaders
Hogan Lovells has deep knowledge and experience in the retail regulatory area, in particular consumer lending. The quality of advice and responsiveness ranks them ahead of the other firms that advise on these areas.”
Legal 500 FinTech Regulatory 2025
Hogan Lovells is unique in the way in which the whole team works together in a non-hierarchical, collaborative, and collegiate manner – while still providing an outstanding level of client oriented service.”
Legal 500 FinTech Corporate and Commercial 2025
Communication from the team has been very clear throughout every engagement and we have always remained aligned on objectives and deliverables. They worked efficiently and we benefitted from their commercial experience in identifying contract areas to review or query.”
Legal 500 FinTech Corporate and Commercial 2025
We engaged Hogan Lovells for their proficiency in this complex and evolving area. The team effectively managed the cross-border aspects by leveraging their colleagues in different jurisdictions."
Chambers UK FinTech Legal 2025
The Hogan Lovells team in Dublin are standout in their in-depth knowledge of complex and ever-changing regulations that govern a breadth of industries."
Chambers Ireland FinTech Legal 2025
Key contacts
Representative experience
Our client aimed to launch a strategic digital health platform involving multiple entities and the creation of a dedicated service provider. The project required complex legal coordination across technology partnerships, healthcare stakeholders, and regulatory domains. Key challenges included negotiating a major Cooperation Agreement with a technology provider, managing a significant shift in project scope, and ensuring compliance with health and privacy regulations across jurisdictions.
In 2020, high-growth FinTech company Curve faced a critical operational crisis when its issuer, Wirecard, had its activities suspended indefinitely by the FCA with little warning. This sudden disruption posed an existential threat to Curve’s ability to continue serving its customers, as it relied on Wirecard for core payment infrastructure. The urgency and complexity of the situation demanded immediate regulatory navigation, technical reconfiguration, and strategic decision-making under intense time pressure.
Shuttle’s platform was seeking authorization from the Central Bank of Ireland under the newly implemented European Crowdfunding Regulation to offer investment services. While the regulation provides a harmonized framework across the EU, its relative nascence provided for interpretative uncertainty—particularly in Ireland, where only a small number of firms had been authorized. This regulatory ambiguity required a strategic and nuanced approach to ensure the application aligned with legal requirements and evolving guidance from the Irish regulator.
FinTech Mentor Program
To date, Hogan Lovells has committed over £1m to support over 35 FinTech companies — including FinTechs in the payments, digital assets, consumer lending industries and women-led FinTechs – providing each member with up to £25,000 in free legal and/or regulatory consulting services and further support at a significant discount to its standard rates. Other benefits of program membership include access to Hogan Lovells’ cross-border FinTech network, training opportunities through a host of Hogan Lovells and industry events, networking with current and previous mentees, and commercial insight on how financial services businesses can successfully launch and scale up.
Members and alumni also gain exclusive access to Hogan Lovells’ FinTech Mentor Program Hub, which features the latest market insights, hot-topic resources, and discounted or complimentary access to a range of LawTech tools. You can view a short demo video of the Hub here.
The program is designed to connect innovative FinTechs with experienced mentors, offering guidance and support to help navigate the dynamic FinTech landscape.
For more information, click below to access the application form (which will have all of the details we need from you).
Navigate change with our latest insights
UK FCA’s 2026/27 Work Programme and Perimeter Report: Regulator aims for smarter, more effective regulation to respond to evolving external environment
30 March 2026
Interplay between MiCAR and PSD2: EBA on the end of the No Action Letter transition period
10 March 2026
Banks’ and EMIs’ new information and account direct deduction obligations under UK Public Authorities (Fraud, Error and Recovery) Act 2025
05 March 2026
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16 October 2025 | 8:45 a.m. - 10:00 a.m. (BST)
Hogan Lovells Events
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22 November 2023 | 6:00 p.m. - 7:30 p.m. (BST)
Hogan Lovells Events
The Future of Digital Bonds in the US breakfast seminar (hybrid)
14 September 2023 | 8:30 a.m. - 10:30 a.m.
Awards & rankings
Hogan Lovells wins FinTech Firm of the Year at Chambers UK Awards 2025
18 February 2025
Press releases
Hogan Lovells announces cohort of female founders for its Fintech Mentor Program
26 September 2024
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Hogan Lovells opens applications for its July cohort of the Fintech Mentor Programme
01 May 2024
Press releases
Hogan Lovells advises Citi on €200 million asset-backed facility for Silvr
06 July 2023
Press releases
Hogan Lovells advises PhonePe on its separation of ownership from Flipkart in India
11 January 2023
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Hogan Lovells boosts its technology and blockchain practice with senior hire
03 May 2022
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Hogan Lovells boosts its technology and blockchain practice with senior hire
03 May 2022
Press releases
Hogan Lovells once again named one of the most innovative law firms in Europe by the Financial Times
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Hogan Lovells advises Golden Pacific Bancorp on strategic acquisition by Social Finance, Inc.
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