1 May 2018

To be fair, the GDPR does contain plenty of concepts which themselves require reams of supplementary guidance. For the concepts of controller/processor, it seems that firms are getting better at defining roles and, more specifically, recognising that partners whom they...

14 Dec 2016

A recent case involving a payday lender provides a useful recap on the VAT financial services exemption. Crowdfunding platforms and other introducers/arrangers should take note.

I was recently asked if I had any discretion as to whether to charge VAT or not on legal adv...

27 Oct 2016

I recently attended FinTech 2016 in Edinburgh where there was a bit of a love-in for the Financial Conduct Authority and its approach to supporting innovative businesses. We had lots of pats on the back for a regulator leading the international scene with Project Innov...

3 Oct 2016

A week or so ago I got an email from Yahoo! telling me I had best change my password (and, unhelpfully, my email address) as a result of their massive data breach. They wrote to advise me that this was because they take data security very seriously, which seemed a bit...

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Fintech and the cybersecurity dilemma

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