About Us:
Creed Solicitors is a trusted FinTech law firm with substantial corporate and commercial experience. We help clients understand, negotiate and draft clear legal documentation.
Business owners, boards of directors and heads of compliance need advisers that understand their industry and speak plainly. We slice through the jargon so that our clients know what their legal documentation really says. Our clients comprehend their obligations, what they are signing up to and what they are asking others to sign.
Creed Solicitors works with payment institutions, electronic money institutions, firms that sell currency options, start-ups and large financial institutions.
Richard Creed, Director
I help payment institutions, electronic money institutions and challenger banks in the UK and Ireland manage their legal risk, so that they can concentrate on growing good and profitable businesses, without the worry that a legal problem will come out of the woodwork to bite them later on.
I focus on the following areas:
- drafting customer-facing, consumer-duty-compliant terms and conditions;
- negotiating contracts with third parties;
- providing advice on safeguarding;
- providing advice on new business models (including introducer and agent/distributor arrangements);
- providing advice on the regulatory perimeter and the exemptions of the payment services regulations, the electronic money regulations and FSMA;
- acting for buyers and sellers of payment institutions and electronic money institutions in the UK and Ireland; and
- acting as an external “in-house” legal adviser.
Unlike other solicitors, I focus solely on advising electronic money institutions, payment institutions and challenger banks. Clients like that I “speak their language” and “get” their business, without them having to explain a lot to me.
I’ve drafted customer-facing terms for Revolut, Tripadvisor, Tide, Lumon FX and many more. In addition, I’ve acted as external “in-house” legal counsel for Paynetics, Tide, Railsbank and Payrnet. I’ve acted for numerous clients in selling or purchasing authorised payment institutions and electronic money institutions in the UK and Ireland.
The reason I started Creed Solicitors was I believed that payment institutions, electronic money institutions and challenger banks weren’t getting the bespoke advice that they required. I was told by clients that advising these businesses just wasn’t a priority for other law firms and so this work ended up falling to junior solicitors. I therefore built a firm where every solicitor is a specialist adviser to electronic money institutions, payment institutions and challenger banks and advice is partner led. If you’re an electronic money institution, payment institution or challenger bank and want a solicitor who speaks your language and understands your issues, then click here to start a conversation.
Gavin Murphy, Solicitor
Gavin obtained his LLB (Hons) degree in Law from Newcastle University, after which he worked in a global law firm with a focus on M&A due diligence and regulatory investigations.
He went on to attend the Institute of Professional Legal Studies to train as a barrister. After practising at the Bar of Northern Ireland for a number of years, he joined Creed Solicitors and qualified as a solicitor. He is qualified to act in England & Wales and Northern Ireland.
Gavin has a particular interest in currency options.
Bronwen Loughran-Lowe, Solicitor
Bronwen is a commercial contracts lawyer, who helps busy commercial teams in the payment services and financial sector by taking care of the legal issues in their contracts and protecting their commercial interests so that they can focus on running and growing their businesses.
Also a qualified interpreter and translator in French and Spanish, with over 20 years of professional experience in the legal sector. Bronwen has worked extensively across a wide variety of work streams and jurisdictions.
Before joining Creed Solicitors, she provided in-house legal support to a large multi-national company by reviewing and drafting its UK commercial contracts. She then transferred to its European function assisting the commercial teams with their procurement and customer-facing contracts and negotiations covering France, Benelux and the Nordics regions.
Bronwen joined Creed Solicitors in 2023 and has a keen interest in data protection. She obtained her LLB (Hons) degree in Law from the University of Wales. Bronwen is qualified to practice in England & Wales and Northern Ireland.
Arianna Sophia McBurney
Arianna focuses on assisting clients in the financial sector meet their regulatory obligations so that they can devote their time to running their business. She advises on the acquisition and disposal of companies and protects her clients’ commercial interests by facilitating the development and execution of robust commercial agreements.
Arianna obtained her First Class LLB (Hons) degree in Common and Civil Law with Hispanic Studies from Queen’s University Belfast. She is bilingual and has prior experience utilising her linguistic abilities in Spanish within the legal and commercial spheres. She attended the University of Salamanca Spain, where she spent a year studying Law. While there, she obtained a First-Class grade. Since then, she has undertaken the England & Wales Legal Practice Course where she was awarded a Distinction. She will qualify as a solicitor in 2025.
