Rachpal K. Thind

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 has been recognized by multiple industry publications including:

• Chambers UK 2026 – Ranked for Financial Services: Non-Contentious Regulatory, where she was described as “a very good lawyer, she provides clear, definitive advice in which you can have confidence, and she is patient and responsive.”
• Legal 500 UK 2026 – Recommended for Financial Services: Non-Contentious/Regulatory and Fintech: Regulatory.
  
• Chambers UK 2025 – Ranked for Financial Services: Non-Contentious/Regulatory, where sources say that “Rachpal’s expertise is essential in helping navigate EU securitization regulations in connection with complex commercial transactions.”
• Legal 500 UK 2025 – Recognized as a key lawyer for Financial Services: Non-Contentious/Regulatory and Fintech: Regulatory.
• Women in Business Law EMEA Awards 2024 – Won the “Financial Regulation Lawyer of the Year” award.
• Legal 500 UK 2024 –Recognized for Financial Services: Non-Contentious/Regulatory, where sources describe her as “very knowledgeable on consumer credit matters.”
• Legal 500 UK 2023 – Recognized for Financial Services: Non-Contentious/Regulatory, where she was described 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.”
• Asian Women of Achievement Awards 2023 – Shortlisted in the “Professions” category.
  
  

Recent representative matters include advising:

• J.C. Flowers & Co., a private investment firm dedicated to investing in the financial services industry, in its acquisition of Pepper Advantage.
• Funds managed by affiliates of Apollo Global Management, Inc. in the acquisition of The Travel Corporation.
• Clearlake Capital Group, L.P. on financial sanctions and other regulatory matters in its acquisition of Chelsea Football Club and related affiliates in a consortium co-led with Todd Boehly, Chairman and CEO of Eldridge. The acquisition was named “Private Equity Deal of the Year” at The Deal Awards 2022.
• The lenders on Sotheby’'s art loans structured facility. The transaction was named “"Structured Finance and Securitization Deal of the Year”" at the IFLR Americas Awards 2021.
• Zenith (a portfolio company of Bridgepoint) on securitization risk retention requirements in relation to its vehicle lease Asset-Backed Commercial Paper and Asset-Backed Lending structures (ongoing).
• Partners Group, a leading global private markets firm, on expanding the shareholder base of International Schools Partnership, a leading international group of K-12 schools.
• Great Hill Partners in connection with its investment in BigChange, the leading mobile workforce management technology company for the service and transport sectors.
• Massachusetts Mutual Life Insurance Company on its acquisition of a shareholding in Rothesay Life.
• TowerBrook Capital Partners on the acquisition of CarTrawler.
• A European bank as its primary counsel on securitization risk retention requirements under the EU Securitization Regulation within the context of its U.S. transactions.
• The independent compliance monitor of HSBC Holdings plc, who was appointed by the U.S. Department of Justice, the UK Financial Conduct Authority, and the Board of Governors of the Federal Reserve System, in connection with a monitorship resulting from a US$1.9 billion resolution of money laundering and sanction violations.
• Investment managers and other financial institutions on the implementation of the EU Fourth Money Laundering Directive.
• A global custodian bank over a multi-year period on the group’s compliance program in relation to FATF Special Recommendation VII on wire transfers.
• A global payment institution on establishing a post-Brexit bank in Europe.
• The Bank of Cyprus in relation to the cross listing of its shares on the London Stock Exchange and the Cyprus Stock Exchange. The listing involved a complex corporate restructuring involving a Cypriot scheme of arrangement and the insertion of a new Irish holding company, cross-border settlement and significant regulatory interaction.
• The Bank of Cyprus on regulatory matters arising out of the bail-in of its bondholders and depositors and the transfer to it of certain of the operations of Cyprus Popular Bank (Laiki).
• A consortium of U.S. government-sponsored banks with bonds listed in Europe on the EU Market Abuse Regulation.

• Member of SidleyWomen
• A member of the global advisory board of the Women in Law Empowerment Forum