Edinburgh 0131 247 1000
Glasgow 0141 274 1100
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John Lunn


0131 247 1066
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John is a Banking and Finance Partner based in Edinburgh and heads our Retail Banking team.

John has over 30 years' experience as a Banking and Finance lawyer and his expertise lies in financial services regulation. He is recognised as one of the UK's leading specialists on the regulation of consumer credit and mortgages.

John also advises clients on marketing materials. This involves the UK code of non- broadcast advertising and direct & promotional marketing (CAP) as well as the broadcasting code (BCAP) which applies to aspects such as sponsorship credits on radio and television services.

John is our Financial Conduct Authority (FCA) compliance officer and anti-bribery partner.

Business expertise

John regularly advises financial institutions, including the main high street banks and building societies. In particular, he provides strategic and comprehensive advice on mortgage related areas and more generally on product, contract and insurance matters.

John has recently spent time on secondment with one of the UK's leading banking groups assisting them with delivery of a new leading product and advising on specialist FCA regulatory compliance issues.

John supports a number of clients in relation to consumer credit and mortgage regulatory reform.  He is an expert in consumer credit law and advises a range of clients on their regulatory compliance with the Consumer Credit Act 1974 and its associated Regulations.  He also advises extensively on the implementation of the Mortgage Credit Directive in the UK, and on other financial services compliance issues.

What our clients and peers say: 

Sources consider John Lunn to be a "commercial, knowledgeable and very approachable" solicitor.

- Chambers and Partners 2019

"...very hot on FCA issues... very responsive and willing to provide guidance"

- Chambers & Partners

"[John] is noted for being easy to work with and a useful source of industry knowledge as well as technical advice"

- Chambers & Partners

John Lunn is a respected practitioner handling business-critical matters in the consumer finance space. He frequently works with high street banks and asset finance companies. Clients particularly appreciate his "excellent technical knowledge of consumer credit and regulated mortgage contract lending, combined with his pragmatic approach to advising on complex issues."

- Chambers & Partners

extensive knowledge of the regulation of consumer loans, contracts and mortgages. He also has specialist expertise in the law surrounding heritable securities. Clients describe him as "good, responsive and level-headed."

Chambers and Partners 2020
Chamber 2020

Recent Content by John Lunn

12 Jun 2020

Bounce Back Loan Scheme - the coronavirus story of the year so far?

HM Treasury published the latest coronavirus business loan scheme statistics on 9 June 2020.  
John Lunn
17 Jan 2019

Transitional arrangements for Brexit impacts on Consumer Credit regime

Our previous note on the Consumer Credit (Amendment) (EU Exit) Regulations 2018 (SI 2018/1038) detailed some minor fiddling with the Consumer Credit...
John Lunn
10 Dec 2018

Update on the FCA's Rent-to-Own proposals: new price cap and a point of sale ban on extended warranties

The FCA has published a new Consultation Paper on "Rent-to-own and alternatives to high-cost credit" CP18/35.  This includes feedback on its earlier...
John Lunn


Chamber 2020