Entities in the financial market, and the transactions they finance, play a fundamental role in the functioning of the entire economy. In this context—regardless of whether it is a financial institution, a FinTech entity, a borrower, an issuer, or a sponsor—it is vitally important to guide the client through the financing transaction in a manner enabling the client to achieve the best position in the financing, taking into account both the legal requirements and market practice. At the same time, the legal and regulatory framework for the operation of financial institutions is increasingly complex and demanding, and the consequences of failure by financial institutions to comply with the requirements imposed on them can be severe.
The Banking and Financial Institutions practice includes both the transactional practice, supporting clients in such areas as bilateral and consortium structured financing, including financing of acquisitions, projects, real estate, and renewable energy, current corporate financing within various groups of products (from investment grade to cash pooling, intraday, factoring and confirming solutions), export financing, margin loans and bid financing, derivative instruments, and early restructuring, as well as regulatory advice for entities from all sectors of the financial market (banks, investment funds, investment companies).
The practice also includes comprehensive advisory for financial institutions operating in the sector of new technologies, as well as entities in the FinTech sector. This applies to both regulatory advice, including advice on obtaining licences to operate as payment institutions or electronic money institutions, and project advice concerning cooperation between banks and FinTech entities and implementation of new services (including in the Banking-as-a-Service model).
The experienced team of lawyers at KPMG Law advise on the most complicated and innovative transactions on the financial market, acting for financial institutions and their clients. KPMG Law also provides the highest-quality advisory on fulfilment by financial institutions of legal and regulatory requirements, including representing them in contacts with regulators.
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The pace of market events and the variability of the economic environment contribute to an increase in the number of M&A transactions. For some this may be an opportunity for rapid growth of their enterprise, for others a chance to sell at a good price. Regardless of the scenario, the role of an M&A lawyer is to draw up the transaction documentation to maximize the profit from the transaction, while minimizing the risks and costs. KPMG Law helps clients select and implement the optimal M&A scenario, employing the firm’s wealth of experience, unique knowledge, and familiarity with the market.
The legal and regulatory operating framework for financial market entities is becoming increasingly complicated and restrictive. Under these demanding conditions, KPMG Law provides a broad array of services, advising financial sector institutions and helping them meet the requirements imposed on them. The lawyers from KPMG Law support clients in the process of adjusting their operations to maintain compliance with changing legal and regulatory requirements, represent them before supervisory and regulatory authorities, and advise on financial market transactions. The lawyers at KPMG Law offer unique, extensive experience providing legal and regulatory advice to financial market entities, combining a deep understanding of the regulators’ perspective with knowledge of market practice.
FinTech is one of the fastest-growing sectors of the financial market. Advising tech companies offering services to the financial sector, as well as advising entities long present on the financial market but seeking to pursue digital transformation, requires special skills. The lawyers at KPMG Law have experience unique on the Polish and European markets involving establishment and operation of entities on the FinTech market, as well as cooperation between FinTechs and “traditional” banks, including in the Banking-as-a-Service model. Our experience includes dealings with supervisory authorities as well as ongoing expansion of operations and cooperation with other entities on the financial market.
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