CMS
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Articles by company
Market Movements – January 2026
CMS reviews key market developments in the banking sector
10 JAN 2026Market Movements – December 2025
CMS reviews key market developments in the banking sector
22 NOV 2025The transfer of receivables in cross-border fintech securitisations: key considerations for originators
Fintech lenders expanding into new jurisdictions may look to securitisation to grow their loan book and expand their distribution. This In Practice article focuses on one issue that arises on cross-border securitisation transactions: the transfer of the receivables from the originator to the issuer. The flexibility these businesses require makes these considerations particularly relevant for fintech securitisations compared to others (such as RMBS backed structures) which may only fund receivables from one or two jurisdictions.
22 NOV 2025Market Movements- November 2025
CMS reviews key market developments in the banking sector
25 OCT 2025Market Movements – October 2025
CMS reviews key market developments in the banking sector
29 SEP 2025Originator 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 2025
