Thomas is a retail financial services and regulatory lawyer with over 25 years of experience gained in Edinburgh and London, both in private practice and inhouse at a major UK bank and later at an international private bank.

Thomas advises on all areas of retail and SME financial services law, including:

• payment services;
• current and savings accounts;
• cash management solutions and client money;
• personal loans and overdrafts;
• mortgage lending;
• credit cards, charge cards and store cards;
• funeral plan regulation;
• Consumer Duty;
• fairness of consumer contract terms and plain English;
• telephone, online and mobile banking and digital journeys;
• commercial contracts with financial services elements;
• outsourcing in financial services;
• regulatory implementation and outcomes for policy and processes; and
• retail regulatory compliance.

Thomas joined Shoosmiths in November 2019. His clients include household name banks and building societies; international and private banks; mortgage lenders; card companies; payment companies; FinTechs; and funeral plan providers. He has extensive experience in regulatory implementation projects, having advised on most major implementation projects from FSMA in 2000 up to Consumer Duty in present day.

Education
Diploma in Legal Practice - University of Edinburgh
LLB (Hons) (First class) - University of Edinburgh