Rachel is a partner and leads our Financial Services team, providing financial services regulatory advice to innovative Fintech clients and traditional financial services firms.

She is an experienced financial services regulatory lawyer, advising on a wide range of regulatory and insurance issues in the financial services and insurance sectors. Her clients include Fintechs, Insurtechs, insurers, brokers, crypto-asset businesses, wealth management firms, banks and payment service providers.

Rachel specialises in a wide range of regulatory matters such as assisting with FCA/PRA authorisations, new product launches, Senior Managers and Certification Regime (SMCR) and the Consumer Duty, and managing regulatory governance, conduct risk.

She advises on the UK regulatory aspects of cryptoassets and blockchain.

Rachel is well known for her expertise in advising Fintech and Insurtech firms, being a founding member and director of Fintech Wales.

She collaborates with a global network of specialist regulatory lawyers to assist many UK regulated business to navigate expansion overseas and non-UK businesses to launch in the UK.

Expertise

  • Financial Services Regulatory
  • Credit
  • Fintech
  • Insurance Innovation
  • Wealth
Cegin

Recent work

Multi-national Insurtech
Providing strategic/group level UK commercial, regulatory and insurance advice to a multi-national Insurtech.

UK Insurtech
Providing strategic and regulatory advice on the restructure of a UK Insurtech to allow its continued expansion into Europe.

Supporting an international UK Insurtech to restructure its EU and UK group structure, drafting intergroup services agreements and assisting in an application for an insurance distribution licence in the Netherlands.

Insurance broker
Regulatory advice for an insurance broker on a complex cross border insurance distribution model with a Guernsey based insurer, including the design and modelling of insurance distribution and claims handling processes and the cross broader regulatory implications when operating the distribution models.

International firms
Advising international firms on the regulation of cryptoassets in the UK, including financial promotion of cryptoassets and applications for registration under the FCA’s anti-money laundering regime.

Authorised firm
Advising on the rules of CASS in relation to client money and assisting an authorised firm to apply for Client Money permissions.

Insurers and brokers
Advising insurers and brokers in the insurance distribution chain on the implementation and obligations of the FCA’s Consumer Duty.

Testimonials

  • Huge thanks to Rachel and the team at Capital Law, your support and input were of great value.

     

    Sarah Williams Gardner | CEO
    FinTech Wales

  • 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

  • It felt like we had the weight of the entire Capital Law team behind us, and they were just as thrilled as we were when we achieved this vital milestone. Thank you!

    Liza Kellett | Founder
    Trust Leeds

  • 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 took the time to understand what we were trying to achieve and then executed on the brief, quickly and efficiently. As with most high growth start-ups, speed is always of the essence, so we needed a law firm to respond quickly.

     

    Graeme Dean | VP, Global Insurance Solutions
    Cover Genius