Banks, Financial Services and Fintechs

Our services range from regulatory advice for financial institutions to guidance for fintechs in an ever-evolving regulatory environment.

Legal advice
correct and crucial

In the dynamic financial and technological landscape, the right legal counsel plays a crucial role in facilitating transactions and ensuring compliance with regulations within the legal market.

Our services span from regulatory advisory in financial institutions to guiding fintech companies amidst a continuously evolving regulatory environment.

Regulatory advisory encompasses, among other things: (a) the transfer of controlling interest or qualified participation in financial institutions; (b) structuring and offering financial products; (c) banking secrecy; (d) special regimes involving financial institutions; and (e) other matters addressed in regulations issued by the National Monetary Council and the Central Bank;
Formation of financial institutions;
Funding for financial institutions (subordinated debt issuances, bonds, and financial notes);
Foreign investments in Brazil, Brazilian investments abroad, and foreign exchange;
Central Bank’s LIFT (Simplified Information on Financial Transactions);
M&A involving financial institutions;
Derivatives transactions;
Open Finance and PIX (Instant Payment System);
Structured financial transactions, such as syndicated loans, corporate debt restructuring, and trade finance (Advance Payment, Export Credit Note, and Import Credit Note);
Administrative proceedings pursued within the purview of the Central Bank or the National Financial System Resources Council;
Commitment Agreements.

Fintechs

Guidance to founders in the conception, creation, and development of payment institutions, direct credit societies, and peer-to-peer lending companies, including the authorization process with the Central Bank;
Investment rounds conducted by Venture Capital funds;
Regulatory topics related to the National Financial System (NFS), Brazilian Payment System (SPB), Open Banking, and Instant Payments;
Drafting of Terms and Conditions of Use, Privacy Policies, and other product structuring instruments;
Drafting and negotiation of strategic partnerships between fintechs and institutions authorized to operate by the Central Bank;
Consulting on compliance and oversight of existing banking regulations;
Data protection, banking confidentiality, General Data Protection Law (LGPD), and cybersecurity;
Drafting, negotiation, and implementation of financial operations conducted by fintechs;
Structuring of financial products and payment methods using digital platforms and similar technologies; and
Regulatory framework concerning Investment Funds in Receivables Rights (FIDCs).

Our Leadership

Samir Hauache

Coordinator

Banks, Financial Services and Fintechs