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Financial & Professional Services

Financial & Professional Services organisations today operate in an environment of unprecedented complexity. Regulatory expectations are intensifying, digital innovation is transforming business models, and global tax authorities are increasing audit scrutiny. At the same time, ESG reporting, outsourcing, DORA, and data governance requirements are reshaping the compliance landscape.

Whether you are entering a new market, launching a financial product, responding to supervisory inquiries, or managing a cross-border transaction, we provide integrated legal and tax advice that anticipates regulatory developments and aligns with your commercial goals. Our experts, many of whom have backgrounds in regulatory authorities and industry, deliver pragmatic, forward-looking counsel that helps you manage risk, meet compliance obligations, and seize opportunity.

Delivering clarity on complex matters

Financial institutions and professional services providers operate in one of the most heavily regulated and fast‑evolving environments. From regulatory change and digitalisation to heightened tax scrutiny and governance expectations, organisations must navigate complex, cross‑border obligations with clarity and confidence.

Loyens & Loeff’s Financial & Professional Services practice is tailored to the distinct needs of various industry segments. We provide specialised expertise for each subsector, ensuring that clients receive advice that reflects deep understanding of their business environment. Below are the key subsectors we serve.

Banks & Investment Firms

Navigating complex regulatory frameworks, capital requirements, and cross-border transactions demands clarity and confidence. We provide integrated legal and tax advice on governance, compliance, financing, and strategic investments. Our support helps banks and investment firms meet stringent regulatory standards while pursuing growth opportunities across multiple jurisdictions.

Diversified Financials

For diversified financial services providers (such as consumer and mortgage credit providers, insurance intermediaries and other non-bank financial institutions), we deliver tailored advice on licensing, regulatory change, M&A, and operational risk management – seamlessly combining legal and tax expertise. Whether guiding a startup through licensing or advising an established financial services firm on restructuring, we ensure compliance and strategic alignment.

Fintech & Digital Assets

Fintech and digital assets continue to reshape Europe’s financial sector, bringing new opportunities alongside evolving regulatory demands. We advise businesses operating in this space, from crypto‑asset platforms and tokenisation initiatives to payment service providers and e‑money issuers, on navigating frameworks such as MiCAR, PSD2/PSR and the EMD. We help launch compliant products, manage cross‑border obligations and scale securely within a rapidly developing regulatory landscape.

Pension Funds

Pension funds face growing scrutiny on governance, sustainability and long‑term investment strategy. We advise both mandatory industry‑wide and company pension funds on the full range of regulatory, structural and cross‑border challenges they encounter. This includes navigating complex supervisory frameworks, ensuring compliance with evolving legislative requirements and developing tax‑efficient structures that support long‑term value creation.

Professional Advisory Firms

Advisory and accountancy firms operate in a competitive environment shaped by regulatory changes and client demands for transparency. We assist these firms with governance, risk management, outsourcing arrangements, and cross-border service delivery. Our integrated approach helps professional services providers maintain compliance and optimize their operations, highlighting the value of combining legal insight with tax strategy.

(Re)Insurers

(Re)insurers operate in an environment defined by stringent Solvency II requirements, increasing supervisory expectations and the need for robust product structuring across jurisdictions. Our multidisciplinary team assists clients with regulatory compliance, dispute resolution, cross‑border structuring and tax optimisation. By combining legal and tax insight, we help (re)insurers manage risk effectively, respond to evolving governance standards and design solutions that support sustainable portfolio growth.

17-03-2026

EU Connect Snippet #3: What’s next in EU sustainability, reporting and competitiveness

EU policymakers are entering a phase of recalibration, simplifying sustainability rules while sharpening the EU competitiveness and industrial agenda. Our Europe Connect team highlights what to watch in the months ahead.

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Digital Economy

Digital transformation is all about using the latest technology to improve your business model. Digital technology creates new business opportunities which in turn creates a whole new range of tax and legal challenges such as contracting, data protection, privacy questions, intellectual property, consumer protection and competition issues.

The speed at which digital technology has become an integral part of our daily lives has overtaken most legislative processes. In recent years, the European Union, Member-States and international legislative bodies have therefore increased their regulatory efforts.

10-03-2026

In this article, we outline the Luxembourg Commission de Surveillance du Secteur Financier's new practice and draw a comparison to the Swiss regulatory landscape as well as the practice of the Swiss Financial Market Supervisory Authority.

09-03-2026

This snippet focusses on digital assets at a moment when regulatory frameworks are no longer theoretical.

Financial and professional services firms operate in a landscape defined by constant regulatory change, technological shifts and cross border complexity. To respond effectively, institutions need clear, coordinated guidance that brings law and tax together from the start. Our sector teams help you navigate this environment with practical, forward looking advice, whether you are expanding into new markets, structuring strategic transactions or strengthening your governance and compliance foundations.

Market Entry, Licensing & European Structuring
Entering or reshaping the European market often means navigating regulatory change, strategic expansion, or consolidation. Our teams guide financial institutions through market entry, licensing and the structuring of European operations.

We help clients understand and apply evolving frameworks such as DORA, AMLR and MiCAR, as well as developments in fintech and digital finance. By bringing together legal, tax and regulatory insights, we design European structures that are both compliant and built for efficient cross border operations.

Strategic Transactions & Consolidation
The financial sector continues to evolve through mergers, acquisitions, joint ventures and disposals. Whether driven by scale ambitions, portfolio optimisation or technological transformation, these transactions require clarity and cross disciplinary expertise.

Our teams support clients across the full transaction lifecycle, combining legal, tax and regulatory advice to ensure deals are executed efficiently and with long term value creation in mind.

Financing, Capital Markets & Balance Sheet Optimisation
Financial institutions face increasing pressure to strengthen their capital position while meeting prudential and regulatory expectations.

We advise on debt and equity financing, structured finance and balance sheet optimisation strategies. Our integrated approach ensures financing structures align with regulatory constraints and support sustainable growth.

Regulatory Risk, Compliance & Controversy
Supervisory expectations across Europe continue to rise, increasing the importance of strong compliance and assurance frameworks.

We help financial institutions design, test and enhance these frameworks, reinforcing trust with regulators and stakeholders. Our teams also support and represent clients in regulatory investigations, enforcement actions, remediation programmes and disputes with regulators, tax authorities or counterparties.

Boardroom Advisory & Strategic Governance
Effective governance is central to navigating regulatory transformation and strategic repositioning.

We act as trusted advisers to boards and senior leadership on governance, regulatory strategy and complex decision making. Through integrated legal and tax counsel, we help institutions strengthen oversight, manage regulatory challenges and take informed, forward looking decisions.

Financing solutions are multiplying and the legal implications relating to financial products are becoming more complex.

The world of capital markets is characterised by rapid change, increased regulation and innovation.

Large and medium-sized companies often encounter competition law and other types of governmental regulation in many aspects of their business. To succeed in the modern world, companies need to navi

As an international organisation, you face many challenges, from ever-changing regulations to complex cross-border transactions and beyond.

The processing and transferring of personal data in a secure and lawful manner, has become extremely important and challenging for businesses globally.

Using a unique integrated and solution-driven approach, we help guide you through these issues. We cover the full spectrum of employment law - pension law, social security and employment taxes.

More and more integrated Energy & Infrastructure projects, related litigation and policy changes will require increasingly detailed and cross-sectional advice.

Do you own a family business? Are you an entrepreneur? Or maybe a high net worth individual?

With an integrated approach that sets us apart in the market, we offer our clients a unique combination of legal, tax and regulatory advice.

Our litigation teams focus on the most appropriate form of dispute resolution, in and outside of court, from arbitration to mediation. Always looking for the best possible outcome.

Ever-changing government regulations has meant that dealing with the authorities has become an increasingly important aspect of business life.

With integrated knowledge, tailored to our clients’ needs, our dedicated team will ensure a successful outcome of any type of real estate project.

Ever-changing market conditions require businesses to regularly assess their debt structure

We offer integrated services, in collaboration with both our attorneys-at-law and civil-law notaries.

In a constantly evolving technological environment, your advisers must combine proficiency in new technologies with extensive legal skills to prevent risks and assist if disputes arise.

What others say

"Loyens & Loeff possesses extensive knowledge of our business and delivers high-quality work. It strikes the right tone with the regulator and is client-focused."

Chambers & Partners - Netherlands (2025)

"The matters Loyens & Loeff work on are mostly complex due to their cross-border nature. We choose them for their consistent high level of quality, the depth of their team and their market knowledge."

Chambers & Partners - Netherlands (2025)

"Loyens & Loeff's willingness to go the extra mile consistently sets it apart, ensuring that we receive outstanding service. Additionally, the team is adept at working under tight deadlines."

Chambers & Partners - Luxembourg (2025)

"Loyens & Loeff is very good at combining the legal side with the business side and the lawyers are very commercially aware. I cannot see myself using another law firm."

Chambers & Partners - Luxembourg (2025)

"The financial regulatory practice at Loyens & Loeff is known for its technically sound advice, especially in navigating complex regulatory frameworks across Europe. The team's deep knowledge and experience ensure that they provide thorough and precise guidance."

Legal 500 - Netherlands (2025)

"Their advice has been unfailingly sound and pragmatic, they anticipate questions and address them before they are raised and they are highly responsive. Their deep knowledge of and experience with EU financial regulations and corporate governance is readily apparent."

Legal 500 - Netherlands (2025)

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