Financial Services | Banking & Finance

All participants in the financial services sector face increasing challenges due to this rigorous regulations and enforcement by national and international authorities. Deloitte Legal acquired not only a broad knowledge of the legal framework but also a deep understanding of the FSI.

 

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Throughout our global network, Deloitte Legal professionals can offer various banking and securities legal solutions to clients operating in the financial services industry. Whether it is banking and regulated non-banking institutions, investment services, or M&A involving FSI entities, a team of approximately 140 experienced lawyers located across our member firm network ensures that all legal business needs of our clients are met. The group is well connected to the wider network of Deloitte professionals specializing in matters relevant to the banking and investment services industry, and are able to assist in both local and cross-border projects, including those that require a complex multidisciplinary approach.

Our Expertise

Banking

Banking Regulatory Law: In banking supervisory law, we advise banks, savings banks, securities companies, payment service providers, FinTechs, outsourcing companies and unregulated companies with regulatory issues. Our services range from answering specific regulatory questions to transaction projects, such as permission and ownership control procedures, including taking over the communication with the regulatory authorities.

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Finance

Advice on financial products and services: The Deloitte Legal Banking & Finance team has many years of experience and in-depth market and legal knowledge of the entire range of products offered by the banking industry, including the regulatory framework, particularly in the area of financing products.

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Investment Management

The investment management industry is constantly changing. Ever-increasing regulation, new technologies and asset classes, evolving client needs and a demanding economic environment present new challenges for all participants in the investment management market. At Deloitte Legal, we understand these dynamics and offer tailored solutions to help you succeed in this highly competitive market.

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Navigating the DORA contract compliance challenge

Reviewing and updating IT-related supplier contracts to match the numerous requirements formulated by DORA poses a tough challenge to financial entities, especially given the 17 January 2025 deadline. An efficient, systematic and digitally enabled review process is key to ensuring a DORA-compliant contract landscape.
Analysis
10 minute read

Payment Services in eMobility

Our whitepaper provides insights into topics such as the complex price calculation with VAT specifics, systemic breaks, the lack of specialized solutions and payment services in the electromobility market. In particular we look at money remittance business, typical scenarios in outsourcing charging services and the limited range exclusion in an eMobility setting.
Analysis
5 minute read

Remainders of the national bank levy

Article in Börsen-Zeitung, published 14 December 2024 by Dr Mathias Hanten and Dr Moritz Maier. The collapse of Germany's Traffic Light Coalition (eponymously named after the political colours of the parties forming it) has significant legislative consequences—not least for the extensive pipeline of financial legislation. One pressing issue concerns how the remaining funds from the original national bank levy are to be used. Between 2011 and 2014, banks were required to pay this special levy into the federal special-purpose Restructuring Fund (RSF).
Perspective
5 minute read

Neue 5%-Infrastrukturquote

Positive Neuigkeiten für regulierte Investoren: Das Bundesministerium der Finanzen hat am 06. Februar 2025 durch die Achte Verordnung zur Änderung von Verordnungen nach dem Versicherungsaufsichtsgesetz wichtige Neuerungen in der Anlageverordnung umgesetzt. Kernstück der Novelle ist eine neue Infrastrukturquote, die es regulierten Investoren erlaubt, bis zu 5% ihres Sicherungsvermögens gesondert in Infrastrukturprojekte zu investieren.
Perspective
10 minute read

Bank Acquisitions – The Regulatory Perspective

The acquisition of Commerzbank shares by the Italian Unicredit has, to put it mildly, surprised the German federal government. The situation is prompting a review of the structure and procedure of the bank regulatory ownership control process required for acquisitions of Qualifying Holdings in credit institutions.
Perspective
7 minute read

Banking as a Service – a strange creature

In our Deloitte "Legal Update" Webcast on 22 May 2024 we discussed the topic "Banking as a Service" and provided an overview about platforms as megatrend, explained the legal basics and discussed the question wether outsourcing really is “a solution for everything"? Download the presentation here.

The 2024 CLO Strategy Survey

Explore the evolving responsibilities and strategies for the chief legal officer (CLO) role.
Research
12 minute read

(Direct) Investment Control cross-sectoral

Due to massively expanding regulatory examples and the limitation of the possibility to apply for certificates of non-objection, investment controls will further complicate M&A transactions in the future.

Deloitte Legal Update Webcast

In our Deloitte Legal Update webcast series, we address current legal issues as well as legal trends and developments that are important for corporate practice.

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Reach out

Dr. Mathias Hanten, M.B.L.-HSG (St. Gallen)

Dr. Mathias Hanten, M.B.L.-HSG (St. Gallen)

Partner | Lead Banking & Finance Law
+49 69 719188424