Retail banking has been a significant and relatively stable income source for the global financial services industry throughout the financial crisis. However, the retail banking landscape is transforming due to rapid regulatory change, cross-border consolidations, M&A and new technologies. As financial services businesses attempt to focus on revenue growth, innovation, improved service and cost containment in this dynamic environment, they need to employ effective risk-management strategies and ensure regulatory compliance.

With Canada’s leading Financial Services practice, Blakes has the creativity, skill and experience required to help clients navigate the complex challenges they face. Applying our specialized consumer finance expertise, we counsel clients on their retail banking operations and products, regulatory compliance and day-to-day operations. The Blakes Financial Services group advises numerous financial institutions (including domestic and foreign banks, trust companies, loan companies and insurance companies), money-services businesses, consumer finance companies and other financial service providers on a wide variety of retail financial products and services, including payment products, deposit accounts, credit products, residential mortgage loans, insurance, credit reports and collections.

From a regulatory perspective, we have the largest and most active financial institution regulatory practice in Canada, allowing us to effectively advise clients on the current regulatory framework, as well as on any draft legislation and regulatory proposals that may affect them. Financial services businesses come to Blakes for advice on compliance with applicable legislation and related requirements, including consideration of federal/provincial jurisdictional issues; consumer protection legislation, including disclosure requirements for deposit accounts and credit products; e-commerce requirements; and guidance when marketing and distributing credit insurance products. Credit, debit and prepaid card issuers, processors, merchant acquirers and distributors rely on our particular expertise in the payment card, technologies and systems industry, specifically with respect to credit, debit, stored-value and gift cards, and electronic payments.

Blakes lawyers also advise on privacy, protection of personal information and credit reporting legislation; collection agency legislation and prohibited collection practices; anti-money laundering and anti-terrorist financing compliance; and codes of conduct of the Canadian Bankers Association and others. Additionally, we advise on corporate governance, consumer contracts and compliance when developing and modernizing financial products and services. Foreign-based clients retain us for advice when introducing financial products and services into Canada on a cross-border basis or through a Canadian-based business, and we regularly advise on portfolio acquisitions and sales.

Financial institutions also engage us when dealing with regulatory agencies and industry associations, including the Office of the Superintendent of Financial Institutions, the Financial Consumer Agency of Canada, the Financial Transactions Reports Analysis Centre of Canada, the Canada Deposit Insurance Corporation, and the Canadian Payments Association and applicable provincial regulators.



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Associate | Toronto
Toronto: 416-863-3337
Areas of Expertise: Financial Services Regulatory, Aviation & Aerospace, Banking, Consumer/Retail Financial Services, Insurance, Reinsurance, Payments, Residential Mortgage Business, Debt Finance & Lending
Partner | Toronto
Toronto: 416-863-2654
Areas of Expertise: Capital Markets, Financial Services, Corporate & Commercial, Equity Capital Markets, Debt Capital Finance, Mergers & Acquisitions
Associate | Montréal
Montréal: 514-982-5035
Areas of Expertise: Financial Services, Renewables (Wind, Solar, Hydro, & CleanTeach), Oil & Gas, Africa
Associate | Montréal
Montréal: 514-982-4093
Areas of Expertise: Debt Finance & Lending, Project Finance, Real Estate Financing, Banking, Asset-Based Finance
Partner | Montréal
Montréal: 514-982-4025
Areas of Expertise: Energy, Banking, Commercial Real Estate, Financial Services, Construction, Infrastructure, Oil & Gas, Pension Funds Investment, Plan Nord, Debt Capital Finance, Structured Finance, Major Projects, Downstream & Marketing, Mergers, Acquisitions, & Divestitures, Hotel Finance
Partner | Toronto
Toronto: 416-863-4284
Areas of Expertise: Financial Services Regulatory, Insurance, Mergers & Acquisitions, Investment Products & Asset Management, Banking, Consumer/Retail Financial Services, Payments, Residential Mortgage Business, Reinsurance, Financial Services, Pension Funds Investment, Investment Funds, Investment Vehicles, Government & Public Sectors, FinTech, Credit Unions
Counsel | Toronto
Toronto: 416-863-3858
Areas of Expertise: Financial Services Regulatory, Anti-Money Laundering, Consumer/Retail Financial Services, Banking, Financial Services, Consumer Protection, FinTech, Cannabis
Partner | Toronto
Toronto: 416-863-3250
Areas of Expertise: Financial Services, Banking, Project Finance
Partner | Vancouver
Vancouver: 604-631-4247
Areas of Expertise: Financial Services, Real Estate Financing, Structured Finance, Banking, Debt Finance & Lending, Asset-Based Finance, Equipment Financing/Leasing, Project Finance
Partner | Calgary
Calgary: 403-260-9697
Areas of Expertise: Restructuring & Insolvency, Corporate Litigation, Corporate & Commercial, Oil & Gas, Financial Services, Banking, Energy
Partner | Montréal
Montréal: 514-982-4061
Areas of Expertise: Infrastructure, Mergers & Acquisitions, Private Equity, Energy, Corporate & Commercial, Commercial Real Estate, Plan Nord, Construction, Mining, Pension Funds Investment, Investment Funds, Investment Vehicles, Mining Lending, Mining Streaming & Royalties, Credit Unions
Articling Student | Vancouver
Vancouver: 604-631-5233
Areas of Expertise: Financial Services
Partner | Toronto
Toronto: 416-863-3866
Areas of Expertise: Equipment Financing/Leasing, Asset-Based Finance, Project Finance, Structured Finance, Aviation & Aerospace, Banking, Debt Finance & Lending, Automotive
Partner | Toronto
Toronto: 416-863-3261
Areas of Expertise: Financial Services, Restructuring & Insolvency, Litigation & Dispute Resolution
Associate | Toronto
Toronto: 416-863-4197
Areas of Expertise: Financial Services, Financial Services Regulatory, Banking, Hotel Finance, Debt Finance & Lending, Residential Mortgage Business, Structured Finance
Partner | Calgary
Calgary: 403-260-9659
Areas of Expertise: Corporate & Commercial, Financial Services, Banking
Partner | Toronto
Toronto: 416-863-2594
Areas of Expertise: Restructuring & Insolvency, Financial Services, Corporate & Commercial, Financial Services, Mining, Mergers & Acquisitions
Associate | Toronto
Toronto: 416-863-2283
Areas of Expertise: Financial Services, Debt Finance & Lending, Asset-Based Finance
Partner | Toronto
Toronto: 416-863-3860
Areas of Expertise: Commercial Real Estate, Restructuring & Insolvency, Hospitality & Leisure, Real Estate Financing, Europe, Pension Funds Investment, Investment Funds, Investment Vehicles, Hotel Finance
Associate | Montréal
Montréal: 514-982-5047
Areas of Expertise: Financial Services, Debt Finance & Lending, Project Finance, Asset-Based Finance, Banking, Renewables (Wind, Solar, Hydro, & CleanTeach)
Counsel | Montréal
Montréal: 514-982-4017
Areas of Expertise: Financial Services Regulatory, Consumer/Retail Financial Services, Residential Mortgage Business, Payments, Marketing & Health Regulatory, Banking, Insurance, Reinsurance, Lobbying, Financial Services, FinTech, Consumer Protection
Partner | Toronto
Toronto: 416-863-4160
Areas of Expertise: Infrastructure, Project Finance, Financial Services, Banking, Construction, Energy, Debt Capital Finance, Power, Public-Private Partnerships
Partner | Toronto
Toronto: 416-863-2492
Areas of Expertise: Mergers & Acquisitions, Corporate & Commercial, Financial Services Regulatory, Financial Services, Life Sciences, Private Equity, Emerging Companies & Venture Capital, Technology, Mining, Insurance, Pension Funds Investment
Law Clerk | Toronto
Toronto: 416-863-2773
Areas of Expertise: Financial Services
Partner | Toronto
Toronto: 416-863-4021
Areas of Expertise: Information Technology, Outsourcing, Corporate & Commercial, Cybersecurity, Financial Services, IP Licensing & Agreements, FinTech, Banking, Insurance, Power, Technology, Mergers & Acquisitions, Credit Unions
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