RACHPAL THIND’s clients turn to her for advice on complex UK and EU regulatory and compliance matters, in particular those relating to cross-border issues. She has for many years counseled overseas banks, investment management firms, insurance companies and consumer credit firms on UK authorization and licensing requirements, as well as on EU/UK anti-money laundering and financial sanctions compliance matters. When clients interact with regulatory agencies, Rachpal provides technical and strategic support on regulatory investigations and breaches.
Rachpal also has extensive experience of advising arrangers, issuers, originators, investment managers and investors on the regulatory aspects of structured finance and capital market transactions covering the Securitization Regulation, regulatory capital requirements, marketing and listing requirements, and market conduct issues within the context of the Market Abuse Regulation.
Rachpal’s practice also encompasses advising purchasers and sellers of regulated loan portfolios on EU and UK regulatory requirements relating to residential and buy-to-let mortgages, personal secured and unsecured loans, consumer hire goods and services, and credit cards. She has also assisted banks and finance and leasing companies on the development of new products and advising on preparing customer documentation in compliance with the Consumer Credit Act 1974 and the Financial Conduct Authority’s mortgage and consumer credit conduct of business rules.
Rachpal is recognized in The Legal 500 UK 2023 for Financial Services: Non-Contentious/Regulatory, where sources describe her as “amazing, getting all the facts to find ways to minimize regulatory burdens relating to our UK financial services investments. She also does a good job of “quarterbacking” regulatory counsel teams in different jurisdictions to get the investing client the right results.” Rachpal was also recognized in The Legal 500 UK 2022 for Regulatory Investigations and Corporate Crime (advice to corporates) and she has also been shortlisted for the “Professions” category at the Asian Women of Achievement Awards 2023.