Edinburgh 0131 247 1000
Glasgow 0141 274 1100
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Welcome to clarity

Catherine MacPherson


0131 247 1107
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Catherine is an Associate in the Corporate Division. She works in the Banking and Finance team in Edinburgh. 

Catherine provides expert legal advice to a wide range of clients including financial institutions, banks and building societies. She has extensive knowledge in banking finance, retail banking, consumer finance, corporate law, regulatory compliance and governance. 

Business expertise

Catherine gives advice on Consumer Finance and Financial Services Regulatory Compliance.

Her Consumer Finance work ranges from consumer credit (including overdrafts, loans, credit cards, buy now pay later credit and motor finance) to mortgage regulation (including regulated mortgage contracts, MCD mortgages and equity release lifetime mortgages). Catherine's Consumer Finance expertise spans across Retail, Wealth and Business Banking. Her Motor Finance work is focused on regulated hire and hire purchase products. 

Due to her expertise, Catherine has spent time on secondment with a UK High Street bank and a challenger bank.

Along with advising on specific products, Catherine advises on wider financial services regulatory compliance. She is happy to help firms make sure they Treat Customers Fairly (TCF) in designing end-to-end customer journeys or correcting past mistakes. Catherine has worked on rectification and remediation projects, debt sale projects and projects implementing legal and regulatory change. This work involves balancing legal and commercial risk whilst ensuring customers are treated fairly.

Catherine is also happy to help with queries on FCA permissions, such as lending and credit broking, and the Senior Managers and Certification Regime (SMCR). 

Recent Content by Catherine MacPherson

9 Jun 2020

Financial Services Remediation: putting things right for the customer

If you've ever undertaken Customer Service training you are likely to have been told that people will judge you not on what went wrong but how you...
Catherine MacPherson
25 Mar 2020

Coronavirus: 2 weeks on from the first Base Rate cut

On 11 March 2020 the Bank of England took an unprecedented move in announcing an emergency cut to interest rates. The base rate was cut from 0.75% to...
Catherine MacPherson
23 Dec 2019

SMCR - A Refresh for the New Year

The Senior Managers and Certification Regime (SMCR) replaced the Approved Persons Regime for solo-regulated firms on 9 December 2019. The Financial...
Catherine MacPherson