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

11 Mar 2021

BNPL needs to be regulated now so we don't all pay later

The Woolard Review - A review of change and innovation in the unsecured credit market - to give it its full name, was published on 2 February 2021....
Catherine MacPherson
28 Oct 2020

Readiness for a zero or negative Bank Rate

On 12 October 2020 the Prudential Regulatory Authority (PRA) and Bank of England issued a Dear CEO information request in relation to operational...
Catherine MacPherson
22 Oct 2020

The FCA on mortgages, Covid-19 and consumer outcomes

On 30 September 2020 Jonathan Davidson, Executive Director of Supervision – Retail and Authorisations, at the FCA delivered an introduction to...
Catherine MacPherson