Banking, Finance,and Insurance

Cloix Mendès-Gil supports you in structuring, securing, and defending your financial operations, combining strategic advice, litigation expertise, and an in-depth understanding of regulated environments.

Describe my need

Our support in banking, finance, and insurance

Compliance and regulatory conformity

Financial institutions are subject to particularly stringent regulatory requirements.
We help you:

analyse your regulatory obligations
structure your compliance arrangements
secure your internal practices
anticipate the risks of non-compliance

We work alongside regulators and take account of the constraints specific to your activity, in order to secure your organisation on a lasting basis.

Strategic advice to banking and financial institutions

The strategic decisions made by financial players require a sophisticated, operationally minded legal approach.
We help you:

structure your operations and offerings
secure your products and services
anticipate the legal risks associated with your activity
support your organisational changes

Credit, financing, and complex transactions

Financing transactions raise significant legal issues, both for institutions and for their customers.
We advise in particular on:

consumer credit and residential mortgages
financing for professionals and businesses
finance lease, long-term hire (LLD), and hire-purchase (LOA) arrangements
restructuring and refinancing transactions

Guarantees, security interests, and securing commitments

Structuring guarantees is essential to securing financial transactions.
We help you:

create and organise security interests
secure their implementation
manage default situations and enforcement
optimise the protection of your interests

Payment methods and banking fraud

Incidents relating to payment methods and fraud are a major concern for financial institutions.
We assist you to:

analyse liability
manage fraud situations
secure your internal systems
defend your interests in the event of a dispute

Credit insurance and risk management

Credit insurance is a key lever for securing transactions.
We help you:

structure and secure your insurance arrangements
manage claims
handle disputes relating to credit insurance

Marketing of financial products

The marketing of financial products is governed by strict rules.
We assist you to:

secure your commercial practices
oversee the distribution of financial products
anticipate legal and regulatory risks

AMF, DGCCRF, and ACPR proceedings, and regulatory matters

Dealing with regulatory authorities requires specific expertise.
We help you:

handle proceedings before the AMF (French Financial Markets Authority), the DGCCRF (French Directorate General for Competition, Consumer Affairs and Fraud Control), and the ACPR (French Prudential Supervisory and Resolution Authority)
prepare your responses and defence strategies
secure your relations with the authorities

Banking and financial litigation

Disputes in the financial sector can be technical and sensitive.
We advise in particular on:

credit-related disputes (individuals, professionals, and businesses)
liability claims against credit institutions (unreasonable financial support, breaches of duty)
mass litigation and high-stakes matters
disputes relating to payment methods or financial products

Our approach is to define an effective strategy tailored to your economic and reputational interests.

Insolvency proceedings, over-indebtedness, and situations of default

Financial difficulty requires fast, structured management.
We help you:

act in insolvency proceedings
manage over-indebtedness situations
defend your interests as a creditor or financial institution

Financial criminal law

Certain situations give rise to significant criminal risk.
We assist you to:

manage financial criminal proceedings
support the directors and institutions concerned
structure tailored defence strategies

Innovative and public-private financing

Financing models are evolving to embrace new players and mechanisms.
We advise in particular on:

crowdfunding
public shareholdings and subsidies
public-private financing structures

This expertise reflects the firm's ability to operate at the crossroads of public and private interests.

Skills

Compliance and bringing into compliance
Implementation of guarantees
Consumer credit, real property loans, individual, professional and company loans,
Debt collection
Liability of credit institutions, unreasonable financial support
Insolvency proceedings, over-indebtedness
Restructuring, refinancing
Financial product marketing
AMF (French Financial Markets Authority) and ACPR (French Prudential Supervisory Authority) Procedures
Recording of individuals on payment incident registers
Payment methods
Financial criminal law
Loan insurance

Your partners

Our vision of the lawyer's work by your side

Cloix Mendès-Gil supports private and public players in their strategic projects, sensitive situations and complex disputes. Companies, local authorities, institutions or entrepreneurs: we work at the heart of your challenges, with a comprehensive, operational approach.

We are a partner of private initiative and public action

We support companies, financial players, mixed-economy and social-economy structures, as well as the State and local authorities. This dual public/private culture allows us to understand your constraints and provide solutions suited to interlocking environments.

We approach advice, litigation and mediation as a single whole

We combine expertise in public and private law to handle each situation as a whole. Anticipating risks, structuring projects, securing decisions and managing disputes: our goal is to choose the most effective strategy to defend your interests.

We work according to a proven method

A lead partner steers each case and coordinates a team suited to your needs. We build mediation in as a strategic lever to preserve relationships, control costs and speed up resolutions, whenever it is relevant to do so.

We place mediation at the heart of our strategies

We place mediation at the heart of our strategies to foster effective, level-headed solutions. Led by partner-mediators in public and private law, it helps preserve relationships and control costs and timeframes. Far more than an alternative, it is a strategic tool we use with rigour.