Financial Regulatory

Our financial regulatory advisory team supports clients in transactions and broader financial regulatory projects, covering the full range of financial regulatory issues. Thanks to our one-firm approach and tier 1 capabilities across practice areas, we offer comprehensive, best-in-class transaction support to sponsors and corporates on all financial regulatory aspects. We also support financial businesses in their most challenging projects.

In transactions, we advise on high-profile deals involving all types of financial businesses – from structuring of transactions, holding company arrangements, due diligence and suitability assessments, to strategic regulatory advice. We are known for advising on intricate transaction structures, providing commercially sound guidance on both domestic and cross-border approval processes, and procuring swift change of control approvals. Our experience spans Swedish, Finnish and international clients, including private equity ownership of financial businesses. We also advise on capital instruments (such as AT1 and T2 notes) and other forms of balance sheet activities for financial businesses, and on capital adequacy-efficient financing structures.

Roschier has a diverse team, covering the key legal competences we need. I think what really stands out is the team’s rock-solid competence. The quality of their advice is second to none.

The Legal 500, 2024

We provide end-to-end regulatory advice to banks, payment service providers, securities firms, fund managers, fintechs, and embedded finance providers. Our expertise includes governance, compliance, payment services, BaaS, capital adequacy, AML/CTF, consumer credits, cross-border operations, derivatives and business scaling. We also design tailored remuneration and incentive schemes for regulated financial sectors.

Together with our disputes team, we represent clients in financial regulatory investigations and sanction matters before supervisory authorities and courts.

Practice-related services

We support financial businesses and sponsors in large-scale transformation projects, such as:

  • Strategic reviews of business models for regulatory relief.
  • Assistance with modifying licenses without operational disruptions.
  • Advice for credit institutions on restructuring capital requirements.
  • Support for Swedish and Finnish clients in cross-border expansions and compliance with local financial regulations.
  • Guidance on cross-border reorganizations, including mergers and asset transfers.
  • Establishment of banking-as-a-service (BaaS) and embedded finance offerings.
  • Securing memberships in payment systems.
  • Assisting corporates offering retail financing.
  • Helping financial businesses develop new products.
  • Supporting emerging clients in building compliant financial businesses.
Recognitions

What clients say about us:

“Highly experienced professionals with in-depth knowledge of related legislation and market practices. Over the years, the team has worked on the largest domestic transactions as well as transactions with an international dimension.”
– The Legal 500 2026

“The team has wide experience across multiple areas in the finance sector. As they are not niche advisors, it means they are able to borrow from this breadth of experience to provide tailor-made advice and innovative solutions.”
– The Legal 500 2026

“Roschier boasts a renowned department that advises domestic and international banks, investors and corporates on complex banking and finance mandates. The team is knowledgeable in bilateral and syndicated loans in addition to debt capital markets transactions. The lawyers are particularly experienced in project finance deals in the energy sector, as well as acquisition finance, real estate finance and refinancing deals.”
– Chambers Europe 2026

“Roschier has significant experience and market-leading commercial skills which come in handy when having to solve complex legal items.”
– Chambers Europe 2026

“Highly experienced professionals with in-depth knowledge of related legislation and market practices. Over the years, the team has worked on the largest domestic transactions as well as transactions with an international dimension.”
– The Legal 500 2026

“The team combines top-tier technical expertise with a seamless, full-service approach, offering clients confidence in handling large and challenging transactions.”
– The Legal 500 2026


“Roschier offers top-level advisory in several areas of finance, including SFA, security and regulatory advisory.”
– IFLR1000 2025