Ralph Lovesy


+44 (0)7721 128 434
[email protected]


Ralph is an experienced lawyer specialising in financial services regulation, including in the areas of 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 of advising senior executives on a range of risk and compliance matters at another retail bank and a major credit card issuer.


  • 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
  • Advising start-ups and entrepreneurs on a variety of fintech products and propositions
  • Formulating policy and producing guidance for two financial services regulators