Retail Banking and Consumer Finance

Key contact

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

Constant change in complex regulatory areas such as mortgages and consumer credit exerts significant pressure on firms who have to operate in a compliant way, meeting high expectations from their regulators.

We see ourselves as an extension of your own in-house legal and compliance functions, providing specialist knowledge and experience to plug any gaps. When resources are stretched, we are the extra pair of hands and the reassuring voice that you need.

We also work with English law firms who do not have retail finance teams to provide transaction support and legal opinions on matters which are often taken to English counsel.


Our credentials 

  • Advised a lender on its new personal loan documentation suite
  • Provided opinions to City law firms on CCA compliance questions
  • Reviewed product terms and conditions for a UK building society
  • Advised a Middle East lender on MCOB compliance matters
  • Advised an offshore lender on its lifetime mortgage product
  • We have carried out due diligence on asset finance documents to ensure CCA compliance