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Julie Devlin

Of Counsel

Portrait ofJulie Devlin

Julie Devlin

Of Counsel

Contact
CMS Cameron McKenna Nabarro Olswang LLP
1 West Regent Street
Glasgow
G2 1AP
United Kingdom
Languages English

Julie joined the CMS UK Financial Services Regulatory team in November 2019 as Of Counsel.  She has been advising financial services clients for over 27 years in relation to consumer credit compliance and FCA regulatory matters, particularly in the area of asset finance and unsecured lending.  She advises clients on the enforceability of credit and hire documentation and regulated debt collection processes.  Julie also drafts regulated contract documentation and the associated post contractual documentation and advises on all aspects of the regulated  e-commerce customer journey including rights of withdrawal and cancellation. In addition, Julie advises clients in advance of and throughout the application process for FCA authorisation.

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Relevant experience

  • A credit provider’s regulated credit documentation and post contractual notices.
  • A motor finance lender on its application for authorisation.
  • A motor finance lender in relation to its advertising campaign.
  • A credit provider’s customer journey.
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Education

  • 1991 – DipLP – Aberdeen University, Aberdeen.
  • 1990 – LLB Hons – Aberdeen University, Aberdeen.
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Expertise

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21/06/2023
Change is on the horizon for consumer credit and mortgage firms
On 25 May 2023, the Financial Conduct Authority published a consultation paper on strengthening protections for borrowers in financial difficulty. The FCA intends to move some of the Tailored Support...
Law-Now Banking & Finance
21/06/2023
Change is on the horizon for consumer credit and mortgage firms
On 25 May 2023, the Financial Conduct Authority published a consultation paper on strengthening protections for borrowers in financial difficulty. The FCA intends to move some of the Tailored Support...
Regzone Financial Services & Regulation
09/03/2023
Application of the FCA Consumer Duty to Motor Finance Providers
On 1 March 2023, the FCA published a portfolio letter on “Implementing the Consumer Duty in the Motor Finance Providers Portfolio”. The letter introduces a more outcomes-focused approach to consumer...
Regzone Financial Services & Regulation
02/03/2023
Regulation of BNPL
On 14th February 2023, HM Treasury (“HMT”) opened a consultation on the government’s draft legislation to regulate certain types of currently exempt interest-free “Buy-Now Pay-Later” (“BNPL”)...
Law-Now Banking & Finance
01/03/2023
Regulation of BNPL
On 14th February 2023, HM Treasury (“HMT”) opened a consultation on the government’s draft legislation to regulate certain types of currently exempt interest-free “Buy-Now Pay-Later” (“BNPL”)...
Regzone Financial Services & Regulation
04/08/2022
Oversight of Appointed Representatives
The Financial Conduct Authority (“FCA”) has published new rules to improve oversight over appointed representatives (“ARs”), which will take effect on 8 December 2022. These new rules are intended...
Law-Now Banking & Finance
04/08/2022
Oversight of Appointed Representatives
What will change? The intended outcome of the changes is that: The FCA can better challenge principals and firms that may wish to appoint an AR. Principals have a better understanding of their re­spons­ib­il­it­ies...
Regzone Financial Services & Regulation
17/06/2022
Lenders told to support consumers struggling with the cost of living
Treating customers fairly Treating customers fairly, both old and new, is the prominent theme of this “Dear CEO” letter, with the FCA highlighting that the impact on customers will not just be financial...
Regzone Financial Services & Regulation
17/06/2022
Lenders told to support consumers struggling with the cost of living
The FCA has sought to address the impact of the rising cost of living on consumers by writing to Chief Executives of over 3,500 lenders reminding them of the standards they are expected to uphold (the...
Law-Now Banking & Finance
17/06/2022
Consumer Credit Act to be reformed
The Government has announced that it is committing to reform the Consumer Credit Act 1974 (“CCA”), which regulates lending, including credit cards and personal loans. This reform is part of a drive...
Law-Now Banking & Finance
17/06/2022
Consumer Credit Act to be reformed
What will change? The government intends to: Move much of the CCA from statute to sit under the Financial Conduct Authority (“FCA”). This will better place the FCA to respond swiftly to developments...
Regzone Financial Services & Regulation
25/10/2021
Regulation of Buy-Now Pay-Later products fast approaching
HM Treasury has published the highly anticipated consultation paper (“CP”) setting out policy options to achieve a proportionate approach to regulation of buy-now-pay-later (“BNPL”) products...
Law-Now Consumer Products
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