Ralph Lovesy

Recent Work

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*

  • 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)
  • 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
  • The Banking & Finance Team is ranked Band 2 by Chambers and Partners
  • The Banking & Finance Team is ranked Tier 2 in The Legal 500
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