Home / Expertise / Banking & Finance / Financial Services

Financial Services


The financial sector is facing significant changes in the supervision and restrictions in respect of the business model after the development of the financial crisis in 2007. Traditional structures have to be re-evaluated. Financial products and financial services need to be adapted to the new requirements imposed by governments and supervisory authorities. The traditional ‘stakeholder-model’ is set aside, executive directors and supervisory directors are facing tremendous challenges in respect of the conduct of their responsibilities and the requirements imposed by the supervisory authorities. Rules and regulations for the financial sector are changed rapidly and the forthcoming years many more initiatives for change will follow.

Our specialists of Financial Services advise our clients in respect of different topics concerning the changing environment in the financial sector. We focus on the following specialisms and competences:

  • Building the business environment of regulated companies and testing compatibility of processes and procedures with the regulations of the financial sector;
  • Risk management within regulated businesses and the translation of risk management to the organisation and governance of the business and aligning remuneration policies;
  • Advising on the corporate governance structure. Prepare for  Integrity and suitability assessments of executive and non-executive board members and assisting in shaping and formalising the relations between them in the context of the regulated business;
  • Market entry (permits, dispensations and exemptions) of Dutch and international regulated businesses (such as banks, insurers, payment services providers, financial service advisors and brokers, investment firms, clearing institutions and trust companies) and 'European Passports';
  • Financing of regulated businesses (such as banks, insurers and payment services providers) and the shaping of the contractual terms and conditions for external equity and debt financing complying with financial sector regulations;
  • Duty of care to consumers of financial products and financial services and the development of contractual terms and conditions for the relation between the regulated business and its customers;
  • Risk management trough transactions with a regulatory background, such as derivatives and structured capital and liquidity products;
  • Infrastructure for payments and securities and measures to protect customer’s interests (asset and money segregation and custody).
Read more Read less
June 2019
CMS Bank­ing & Fin­ance Glob­al Bro­chure
Fin­an­cial and bank­ing le­gis­la­tion does not stand still. So neither do we.At CMS we em­ploy over 500 bank­ing & fin­ance law­yers to an­ti­cip­ate, in­ter­pret and ad­vise on the loc­al, cross-bor­der and in­ter­na­tion­al laws shap­ing your mar­kets. So whatever is ahead, we’re already tak­ing ac­tion.
March 2019
Tax­a­tion of the di­git­al eco­nomy
This pub­lic­a­tion aims to identi­fy vari­ous as­pects of the di­git­al eco­nomy and to con­sider wheth­er in­come taxes are the most ef­fect­ive and ef­fi­cient way to tax this eco­nomy. Do we need a re­volu­tion in the tax sys­tem?
Sub­scribe to Bank­ing & Fin­ance top­ics


Show only
Brexit - Fin­an­cial in­sti­tu­tions wish­ing to con­tin­ue do­ing busi­ness in the...
June 2018
DTEK bank debt re­struc­tured in mar­ket-in­flu­en­cing USD 1.1bn deal
An­nu­al Re­view 2017-2018
CMS Guide: Eurofit – man­aging the risks arising from the Euro­zone crisis
The Banker­'s Oath, the Rules of Con­duct and the Dis­cip­lin­ary Code
CMS lis­ted in the Cham­bers Europe 2015
Is Dutch con­tract in­ter­pret­a­tion align­ing with the Eng­lish?
The Court of Ap­peal in Am­s­ter­dam has dis­missed ABN AMRO’s claim for cov­er­age un­der the Bankers Blanket Bond in­sur­ance for loss in­curred as a res­ult of the Madoff fraud –In do­ing so, the Court of ap­peal ex­tends the scope of the lim­ited ob­ject­ive in­ter­pret­a­tion of policies.
Cli­ent Brief­ing Fin­an­cial Ser­vices
CMS ad­vises on the dis­pos­al of IBL to Tecan
Dutch Min­is­ter of Fin­ance con­siders re­quest­ing SEPA Waiver
Dutch CRD IV Im­ple­ment­a­tion Act Pub­lished
Ex­ten­sion of the pro­hib­i­tion on com­mis­sion
Dun­das & Wilson joins CMS, fur­ther strength­en­ing its en­ergy and fin­an­cial...