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Credit

Orrick, Herrington & Sutcliffe LLP

OCC Releases Its Semiannual Risk Perspective for Fall 2025

On December 16, the OCC reported on several key issues facing the federal banking system in its Semiannual Risk Perspective for Fall 2025. The OCC found that the strength of the federal banking system remained sound, with...more

A&O Shearman

EBA Consults On Amendments To RTS Under CSDR Prudential Framework

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The European Banking Authority (EBA) has published a consultation paper on draft amendments to the regulatory technical standards (RTS) under Delegated Regulation (EU) 2017/390, supplementing the Central Securities...more

Cadwalader, Wickersham & Taft LLP

Tracing Trends November 20, 2025 - U.S. Banks Quarterly Survey

In the latest installment of our U.S. Bank Quarterly Survey, we review the current banking landscape and its historical context with two questions in mind: First, what do bank fundamentals tell us about the state of the U.S....more

Cadwalader, Wickersham & Taft LLP

ThankFFFul for Flexibility: A Look at Qualified Borrowers, November 2025 - U.S. Banks Quarterly Survey

In the latest installment of our U.S. Bank Quarterly Survey, we review the current banking landscape and its historical context with two questions in mind: First, what do bank fundamentals tell us about the state of the U.S....more

DLA Piper

VAT treatment of certain factoring commissions confirmed

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A Finnish company was providing factoring services that consisted in "invoice factoring", which took the form of a credit granted that corresponded to the factored debts, but limited to an amount determined on the basis of...more

Hogan Lovells

BNPL: UK government lays SI exempting domestic premises suppliers from BNPL credit broking rules

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On 4 November 2025, the government laid the Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) (No. 2) Order 2025 (Amendment Order), introducing an exemption for domestic premises suppliers from...more

Troutman Pepper Locke

Earned Wage Access Product Deemed Credit Under MLA, Leading Federal District Court to Deny Motion to Compel Arbitration

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Last week, the U.S. District Court for the Northern District of California denied Empower Finance’s motion to compel arbitration in a class action lawsuit concerning its earned wage access (EWA) product, Cash Advance. In...more

Tarter Krinsky & Drogin LLP

Bidding Requirements in Popular Brooklyn Hot-Spot up for Sale in Chapter 11 Bankruptcy Case

In this legal alert, we highlight an often overlooked strategy for maximizing sale proceeds of a distressed business: a Chapter 11 bankruptcy sale pursuant to section 363 of the Bankruptcy Code. On August 4, 2025, Avant...more

Hogan Lovells

BNPL: Buy Now, Regulate in 2026 - FCA publishes proposals

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Key takeaways The FCA has published details of the ‘proportionate’, ‘flexible’ and outcomes-focused conduct regime it is proposing for newly regulated BNPL agreements. These include a pragmatic approach to documentation and a...more

A&O Shearman

EBA consults on draft guidelines on application of definition of default and applying credit conversion factors under CRR

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The European Banking Authority (EBA) has published two consultation papers under the Capital Requirements Regulation (CRR), as amended by the revised Capital Requirements Regulation (CRR III). The first consultation paper...more

White & Case LLP

Private credit leans on PIK flexibility in competitive market

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In the face of intensifying competition from the broadly syndicated loan market, private credit lenders are leveraging their ability to provide payment-in-kind flexibility to secure deals - Private credit lenders in the US...more

Ropes & Gray LLP

Takeaways from SuperReturn 2025: Navigating Private Market Fundraising with Purpose and Innovation

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The 2025 SuperReturn conference in Berlin last week once again solidified its position as a cornerstone event for the global private markets community, offering a vital platform for insights, networking, and a palpable sense...more

McDermott Will & Schulte

Credit Conditions - Q2 2025

So-called “Liberation Day” tariffs shook markets and sparked recession fears on April 2, with rates ranging from a universal 10% to a country-specific reciprocal tariff as high as 49% for Cambodia. While the 10% universal...more

Proskauer - Private Market Talks Podcast

[Podcast] Private Market Talks: Destination Europe with Pemberton’s Co-Founder Symon Drake-Brockman

As America turns inwards, investors are turning east, towards Europe. It’s a seismic shift not seen since the end of WWII. In this episode, we talk with Symon Drake-Brockman, co-founder and Managing Partner of Pemberton Asset...more

King & Spalding

What is new in: Private Credit Secondaries

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Private credit funds have ballooned across the industry to bridge the funding gap which followed the great financial crisis and the resulting regulation of traditional financial institutions. The maturing private credit...more

DarrowEverett LLP

Mitigating Lease Risk: Key Tools for Landlords with Smaller Tenants

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While not all landlords prefer—or are able—to lease their commercial properties exclusively to large, creditworthy “national” tenants, these tenants are attractive due to their strong financial stability. However, what about...more

Mayer Brown

The Spectrum of Loan Portfolio Backleverage Options: A Primer for Private Credit Funds

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EXECUTIVE SUMMARY - There is a spectrum of potential financing structures for a private credit fund (a “Credit Fund”) to obtain liquidity, including at various levels in the fund structure, such as at the fund level or by...more

Morrison & Foerster LLP

MoForecast: State AGs and Consumer Financial Protection: Anticipating Shifts in Enforcement Focus

As the Consumer Financial Protection Bureau (CFPB) faces uncertainty, state attorneys general (state AGs) are poised to fill the enforcement gap in consumer financial protection. With the CFPB’s future in question, state AGs...more

MoFo Tech

AI Trends for 2025 - AI and Financial Services: Balancing Innovation with Regulatory Compliance

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As the adoption of artificial intelligence (AI) continues to expand, the financial services industry is leveraging this technology in many ways. AI’s application in credit decision making has become increasingly prominent,...more

Holland & Knight LLP

Proyecto de decreto en Colombia modifica otorgamiento de ciertos créditos

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La Unidad de Proyección Normativa y Estudios de Regulación Financiera (URF) de Colombia publicó para comentarios un proyecto de decreto con el fin de modificar el régimen relacionado con el valor del Activo Ponderado por...more

Proskauer Rose LLP

Talking Trends with MidCap

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In Women in Private Credit: Talking Trends, we dive into the world of private credit through the lens of eminent women in the field — from professionals at the forefront of industry leadership to our own lawyers. Together, we...more

IR Global

The New CFPB Small Business Lending Rule Moves Forward

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The new small business finance rule passed by the Consumer Financial Protection Bureau (CFPB) requires “Covered” financial institutions to collect and report data on applications for credit for small businesses. This rule,...more

Mintz

Continuation Funds: Top 5 Considerations

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For those who were unable to attend the recent Boston Private Equity Network (BPEN) panel and webinar on Continuation Funds – Moderated by Kari Harris, Investment Funds Chair at Mintz, and featuring Aly Champsi of DW...more

McDermott Will & Schulte

Die neue Verbraucherkreditrichtlinie: Ein Überblick

Ein Jahr nach Inkrafttreten der neuen EU-Verbraucherkreditrichtlinie (Richtlinie 2023/2225) im November 2023: Wann kommt die Umsetzung, was wird geregelt und wie sind die Reaktionen der Wirtschaft? Die...more

A&O Shearman

CRT Transactions in the EU, U.K. and the United States

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In this bulletin, we consider the current state of the EU, U.K. and U.S. markets for credit risk transfer (“CRT”) transactions, with a particular focus on the fund finance market. For a more in-depth introduction to this...more

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