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Ruth Fairhurst, Senior Associate

Ruth Fairhurst

Senior Associate


German - Competent

Practice areas

  • Commercial agreements
  • Commercial and IT
  • Consumer
  • Financial institutions
  • Franchising and distribution arrangements
  • Outsourcing and offshoring
  • Retail

Practice notes

Ruth is a Senior Associate in the Financial Institutions Group and has particular expertise in advising clients in relation to payment services, including advising on compliance issues, the development of new products, drafting and varying terms and conditions, advising on new payments technology, undertaking large scale regulatory reviews and advising on merchant acquiring. Ruth regularly speaks at industry events and provides client training on payments related issues.

Ruth's recent work includes:

  • advising financial institutions on the development of new products such as a pay & collect online payment product relating to the submission of information to Bacs and a current account rewards scheme;
  • working on large PSD2 implementation projects for a number of banks, building societies and issuers;
  • working on a large scale project redrafting terms and conditions for a range of financial products including current and deposit accounts, credit cards and digital banking services;
  • advising a number of financial institutions on redrafting their customer facing terms and conditions in line with the move towards smarter customer communications;
  • advising a financial institution on its Link scheme membership and related scheme documentation; and
  • advising clients on the impact of Brexit in the financial services sector.

Ruth has recently completed a secondment with the Financial Conduct Authority where she has been working on the implementation of PSD2 and the FCA’s guidance on the payment services regime.

Ruth's clients have commented that her approach is "organised, insightful and extremely well thought through", her advice is "excellent, structured and brief" and that she is a "true professional".