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Rachael L Browning, Senior Associate

Rachael L Browning

Senior Associate

Practice areas

  • Retail

Practice notes

Rachael is a Senior Associate within the Retail Finance team.

Rachael advises on consumer credit and FCA regulation and has experience on data protection and money laundering regulations. Rachael has worked inhouse via secondments for several captive motor finance companies and a large international bank.

Her recent experience includes: drafting various consumer credit agreements; advising on unilateral variations to regulated contracts; advising on various FCA compliance issues within businesses; assisting with preparing businesses for authorisation; carrying on due diligence exercises for clients looking to acquire consumer credit businesses; advising on regulatory implications for business restructures; advising on funding for electric vehicles and charge points; and providing numerous financial promotion reviews for retail credit and leasing product providers.

Over her career, Rachael has presented on numerous occasions to a number of well-known large banks and finance houses. She has also recorded podcasts and written many articles for industry magazines.

Client experience

  • advising a large app-based challenger bank on the review of the fairness of their customer terms following the FCA’s revised guidance on fairness of variation terms and advising them on their overdraft documentation
  • advising a UK bank on the rollout of a new consumer loans platform
  • advising a leading higher education institution on the provision of loans to students to assist with living expenses
  • advising a major healthcare provider wishing to enter into a commercial agreement with a provider of employee loans and other financial services via salary sacrifice arrangements

Qualifications and Education

  • Postgraduate diploma in legal practice
  • LLB Hons Law

Awards and Rankings

  • Rachael was named as the “Associate to Watch” in Chambers for 2019 and 2020.