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Originator funding lifecycle: the role of the forward flow
In this In Practice article the authors consider the appeal of forward flow transactions as an alternative to private securitisations or warehouse facilities for non-bank lenders such as fintechs needing to scale.
28 JUL 2025Market Movements – August 2025
CMS reviews key market developments in the banking sector
28 JUL 2025E-money: operational solutions to blocked accounts in financing
As discussed at length in our article, ‘Security over e-money and deposits with deposit aggregators: a new approach is required’ (2022) 10 JIBFL 682, e-money accounts have different features to traditional bank accounts and cash at bank. As such, the approach to taking security over e-money accounts must be different. This article considers one key difference – it is not possible to block e-money accounts as: (i) Electronic Money Institutions are under a statutory obligation to allow their customers to redeem their e-money at any time (regs 39 and 40 of the Electronic Money Regulations 2011 (EMRs)); and (ii) the balance must be capable of being used for payment transactions (reg 2 EMRs).
9 JUN 2025Agency and AI: types of agents and what they do
AI agents are becoming common in technology firms and will soon be widely used in all firms. They are not necessarily agents in the sense that lawyers think of them.
6 MAR 2025Market Movements – February 2025
CMS reviews key market developments in the banking sector
6 FEB 2025
