As counsel in Hogan Lovells’ banking, lending and payments team, with extensive knowledge of consumer credit, retail banking, mortgages and payments regulation, Julie Patient works with a number of major banks and payment service providers, including merchant acquirers, and related businesses.
Julie advises on the implications of regulatory requirements for all aspects of her clients’ businesses, such as product design, implementation of new legislation, commercial deals like co-branding or outsourcing arrangements, and transfers of portfolios or businesses. She has a particular interest in consumer finance, including consumer asset finance and mortgages. With the growth of consumer claims relating to credit products, Julie has worked on a range of claims and high-profile cases alongside litigation colleagues.
As well as being in a Band 1 ranked practice in Chambers, Julie is individually ranked in Band 3 for consumer finance.
Along with her experience in private practice, Julie has spent time on secondment with the FCA and understands the challenges that clients face as they seek to comply with the extensive regulation in the financial services sector.