Charlotte is a commercially focused regulatory Partner, specialising in financial services and insurance.

Charlotte provides strategic advice to clients operating within the financial services sector on a broad range of regulatory matters at every stage of a firm’s growth and development, as well as advising several regulators.

She works with clients including:

  • Brokers, Managing General Agents (MGAs) and other intermediaries, with a particular specialism in advising high growth Insurtech firms
  • Insurers and Lloyd’s of London syndicates
  • FinTechs (including payments and WealthTech businesses)
  • Challenger banks
  • Financial broking houses
  • Cryptoasset providers

Charlotte advises businesses on matters involving the regulatory perimeter, commercial agreements, ongoing compliance & conduct, product design, and policy drafting and interpretation. Her advisory expertise is valuable to clients for whom she acts for in more contentious environments, involving FCA supervision and imposition of requirements (whether on a voluntary or compulsory basis), as well as enforcement action.

Charlotte also advises regulators, insolvency practitioners and other interested parties on regulatory application.

In addition to her regulatory advisory work, Charlotte has over a decade of litigation experience, having spent many years defending legal and financial professionals in insurance backed litigation, and advising on policy coverage. She has been seconded to an MGA and several major UK and international insurers operating in the London market, providing her with extensive insights.

Charlotte is actively involved in the InsurTech and FinTech sectors, via membership of InsurTech UK and Instech, and advising members of several Lloyd’s Lab cohorts. Charlotte has a Diploma in insurance and is a member of the Chartered Insurance Institute (CII) and the Insurance Institute of London (IIL).

Expertise

  • Financial services regulatory
  • Insurance innovation
  • FCA Investigations
  • Commercial regulatory agreements
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Recent work

Multinational InsurTechs
Advice to multinational InsurTechs on product design and regulatory outcomes, particularly for clients focussing on the use of digital distribution.

Fintech benefits platform provider
Considering regulatory overlay on the business model of a Fintech benefits platform provider, including relating to Payment Services Regulations, the FCA Handbook including CASS sourcebook, and specific financial legislation.

Challenger bank
Supporting a challenger bank in the negotiation of several commercial agreements for credit product distribution.

Financial products
Advising on regulated and unregulated structures for financial products including guarantees.

FCA applications
Providing advice on the application of the FCA perimeter to multiple innovative insurtech businesses.

Extensive support with FCA supervision discussions for a regulated broker relating to Consumer Duty, MIPRU and other FCA Handbook requirements.

Consideration of regulatory scope and drafting responses to the FCA including in relation to Principle 11 disclosure and use and potential removal of regulated permissions.

Representing a finance brokerage in a complex FCA investigation, concerning its alleged role in multinational dividend arbitrage trading.

Commercial agreements
Drafting and reviewing commercial agreements specific to regulated entities and their representatives, including Delegated Authority Agreements, Terms of Business Agreements and reinsurance agreements.

Senior Managers and Certification Regime
Providing training and advice on implementation and application of the Senior Managers and Certification Regime (SMCR) to various businesses.

Brokers, IFAs and solicitors
Considering policy coverage across multiple lines of business spanning within the professional indemnity arena, including for brokers, IFAs and solicitors.

Major insurer
Assisting a major insurer with claims adjustment following cyber security breaches at multinational organisations.

Extensive defence
Of a broad range of professions in the legal and financial services sectors.

Testimonials

  • We highly recommend Capital Law for their expertise and approachability. Since Kita first joined the Lloyd’s Lab, Charlotte and her dedicated team have been instrumental in helping us navigate insurance regulatory matters and offering practical guidance. We look forward to building a lasting relationship with her team as our company continues to expand.

    Melanie Martin | Head of Legal
    Kita

  • Capital Law is super-well connected to the insurtech community and they know how to help startups develop and grow. Rachel Hillier and Charlotte Gregory are highly knowledgeable about the legal and regulatory issues affecting insurtechs and their insurer partners, as well as being practical and approachable.

    Melissa Collett |CEO
    Insurtech UK

  • Over the last 10 years Capital Law have developed a well deserved reputation as the “go to” law firm for the insurance innovation community by combining deep knowledge of the relevant legal and regulatory issues and a sensitivity to the realities of entrepreneurship.

    Robin Merttens | Co Founder
    InsTech

  • Capital Law has a fantastic understanding of the whole insurance ecosystem. Their Insurance Regulatory practice provides the expertise required for insurtechs at all stages: from forming a new company to launching a product or implementing a collaboration. As well as advice, they provide connections across the insurance/tech divide that help their clients to thrive. Paragon work with both investors and Insurtech’s across the ecosystem and our strong, collaborative partnership with Capital Law is a great asset. Charlotte and the team share the same commitment and approach that we do to support entrepreneurial insurance talent and the investors that support them.

    Eloise Morgan | Director of UK FI
    Paragon

  • As a startup operating in a regulated environment we need advice which is robust, best in class but also proportionate and respectful of the fact that we are trying to change the status quo. Charlotte and the team at Capital Law understand the different priorities and pressures upon a business such as ours and we were delighted to be introduced to them.

    Rob Korzinek | CEO & Founder
    Zing Cover