Consumer Finance & Retail

Our Practice

Our team's expert knowledge of the sector enables us to provide a first class service on a broad range of matters, including:

  • consumer finance regulatory
  • competition
  • product safety and product liability
  • property
  • brand protection.

Specialist Expertise

Commercial

Documenting the contractual matrix and understanding consumer law issues is vital at all stages in the manufacturing and supply chain. Our experience extends from outsourcing, JV’s and strategic partnering, sales, advertising and promotion agreements, consumer credit to manufacturing, licensing, development, innovation and exploitation agreements, distribution, agency, franchise and logistics agreements.

Commercial property

We have long-standing experience in the sector, particularly on the retailing side, and a reputation for innovation. Our expertise is unsurpassed in relation to non-food, out-of-town superstores, where we have dealt with the development and leasing of well over 300 stores.

Competition

National competition authorities in Europe remain very active in this sector. Our European-wide experience ranges from merger control to general advisory work on all aspects of competition law, including assistance with devising and implementing competition compliance programmes, through to contentious work, including assistance throughout investigations by the competition law authorities and litigation before the civil courts.

Corporate

We offer a full range of corporate, corporate finance and banking services to companies in this sector, including advice on all types of equity/debt fund-raisings, financial services, financial facilities and restructurings, corporate regulatory advice as well as public and private mergers, acquisitions, disposals and strategic joint ventures, both domestic and crossborder.

Food Law

We advise on all aspects of community and national law relating to food products and food labelling including nutritional labelling and product labelling for sales promotions.

Intellectual Property

The protection of intellectual property, particularly brands, is essential and our practice is an acknowledged leader in this field. We advise all aspects of contentious and non-contentious intellectual property, including trade marks, know-how and confidential information, copyright, designs and patents. We also assist clients with the international protection of their inventions, brands and commercial and creative designs.

IT, e-commerce and media

We advise on all contentious and noncontentious IT, e-commerce, telecommunications and marketing issues relating to the manufacture and sale of consumer products. This includes hardware manufacture, software development and licensing, website terms and conditions, privacy policies and data protection issues, IT procurement and outsourcing, call centre outsourcing and advertising and marketing in various media.

Product liability and product safety

We provide a full range of product liability/safety services, including insurance advice, risk assessment, advice on packaging, instructions, product labelling and warnings, product recall procedures and managing all aspects of the defence or prosecution of claims, including high-profile, multiparty litigation.

Regulatory

We have a proven track record of advising on regulatory and compliance issues affecting the sector, including consumer protection, product safety, product liability, food law, labelling law, consumer credit, trade descriptions, advertising, marketing and promotions (including price promotions, free prize draws and competitions).

Tax and Employee Benefits

Our tax team provides specialist advice on all key tax issues affecting the sector. We advise on corporate and individual taxes, stamp duty, VAT, customs and excise duties. We also advise on employee taxes, benefits, pensions and share schemes.