Practice area

Banking and Financial Services

We advise market participants on issues including financial, payments, and capital market regulation, including retail products, wholesale operations and capital markets, foreign investment, and foreign exchange. We assist in the provision of banking as a service, in the preparation and negotiation of partnership and M&A agreements, structured operations, analysis of new products and services, as well as in advising on regulatory issues of the National Financial System (SFN), Brazilian Payment System (SPB), Open Banking and Instant Payments. We provide specialized consulting services in data protection for companies in the industry, banking secrecy and cybersecurity, and we assist our clients in implementing new technologies.

Our services include:

Consulting and legal opinions in the regulatory area, including in relation to the regulations of the National Monetary Council, Central Bank of Brazil, Private Insurance Superintendence, and Securities and Exchange Commission of Brazil;
Guidance on how to obtain the necessary authorizations from regulatory agencies, as well as on the incorporation of regulated companies and fintech’s;
Drafting contracts involving market participants, including partnerships, shareholder, investment, and technology agreements;
Monitoring for compliance purposes of meeting the applicable regulatory standards, including issues related to anti-money laundering and cybersecurity;
Development and revision of policies;
Assistance in structuring and evaluating banking and payment products and services, including from a consumer perspective;
Drafting contracts for banking products and services;
Structuring of guarantees, including sureties, endorsements, fiduciary assignment, fiduciary alienation, among others;
Advice on loans and financing operations;
Establishment of funds and assistance in the structuring of receivables securitization;
M&A operations involving companies in the sector;
Legal consulting related to the use of technology applied to the sector;
Legal advice on issues related to PIX and Open Banking;
Assistance in the elaboration of commitment terms and in administrative processes within the scope of the Central Bank, Securities and Exchange Commission, and CRSFN;
Advice on issues related to banking secrecy and privacy;
Legal counseling and structuring of fundraising operations.