John Pauley

Financial Services Partner

Get in touch

John is a specialist solicitor with extensive expertise in financial services regulation. He advises financial institutions, services providers, and merchants on regulated activities including payments, e-money, consumer credit, data protection, anti-money laundering, and gambling operations.

Having trained and practiced with leading law firms including DLA Piper and a boutique firm specialising in regulated e-commerce, John has broad experience supporting retail financial services clients and fintechs. This includes working at major banks and on white label and direct-to-consumer agreements in payments and e-money services.

I take a pragmatic approach shaped by over a decade in financial services prior to qualifying as a solicitor. That business perspective helps me rapidly grasp clients' objectives and challenges when advising them.

I have extensive legal experience advising and assisting firms applying to financial service and gambling regulators for authorisation to carry out regulated activities including payment services, electronic money issuance, consumer credit, and gambling operations.

John drafts, negotiates, and revises commercial agreements on behalf of clients, specifically those involving service providers and the direct delivery of payment services to both consumers and businesses. Additionally, he drafts and reviews policies and procedures, and advises clients on regulatory issues spanning consumer credit, payment services, electronic money, anti-money laundering legislation, data protection laws, and consumer protection requirements.

Through drafting policies and procedures and negotiating complex commercial deals, I have in-depth understanding of regulatory issues spanning payments regulations, e-money regulations, AML requirements, and consumer credit.

John resides in Chester with his family and dog Dexter. An avid billiards player and sports enthusiast, he enjoys traveling, spending time with friends and family, taking Dexter for walks and planning his next ski trip.

Interested in working with John?

Please leave us your details and we’ll contact you to discuss your situation and legal requirements. There’s no charge for your initial consultation, and no-obligation to instruct us. We aim to respond to all messages received within 24 hours.

John Pauley

John Pauley

Financial Services Partner

Your data will only be used by Harper James Solicitors. We will never sell your data and promise to keep it secure. You can find further information in our Privacy Policy.

Our offices

A national law firm

A national law firm

Our commercial lawyers are based in or close to major cities across the UK, providing expert legal advice to clients both locally and nationally.

We mainly work remotely, so we can work with you wherever you are. But we can arrange face-to-face meeting at our offices or a location of your choosing.

Head Office

Floor 5, Cavendish House, 39-41 Waterloo Street, Birmingham, B2 5PP
Regional Spaces

Stirling House, Cambridge Innovation Park, Denny End Road, Waterbeach, Cambridge, CB25 9QE
13th Floor, Piccadilly Plaza, Manchester, M1 4BT
10 Fitzroy Square, London, W1T 5HP
Harwell Innovation Centre, 173 Curie Avenue, Harwell, Oxfordshire, OX11 0QG
1st Floor, Dearing House, 1 Young St, Sheffield, S1 4UP
White Building Studios, 1-4 Cumberland Place, Southampton, SO15 2NP
A national law firm

To access legal support from just £145 per hour arrange your no-obligation initial consultation to discuss your business requirements.

Make an enquiry