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Banking & Finance
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Banking & Finance

Dr. Charles Cassar
Malta Law Firm > Banking & Finance

Banking & Finance

Regional and global consolidations of business and financial markets and increased regulation are bringing about important changes in the banking and financial services industries. This has taken more significance in the light of the integration of the Maltese financial markets into the larger European Single Market, pushing Maltese market players into a larger financial playing field. While this has been a challenge for the local banking industry, the various market players have risen to the occassion and Malta's banking system is consistently ranked among the soundest in the world.

Malta's accessible regulator, competitive costs and business friendly environment have attracted a number of Banking Institutions to our shores. Malta, which has earned itself the reputation of being an excellent European hub for financial services, has lured various market players in either setting up their headquarters on the island, or establishing a branch herein or establishing an e-money institution within our shores. 

Banking Law in Malta

The Banking Act, 1994 is the main legislation presenting a  framework for the regulation and supervision of banks in Malta. A variety of legal notices regulating specific aspects of banking transactions and the regulation of credit institutions has also been issued under this main Act. One also finds that the Civil Code and the Commercial Code present various basic principles regulating transactions such as borrowing and loans, deposits, payments, setting off, pledges and hypothecation of property.

Our Banking Law Practice

Our expertise in the banking, pensions and financial services law and our direct industry knowledge help us better serve clients at an extremely challenging time. The firm advises on an array of banking law matters, including the granting of loans,  property loan transactions and mortgages, syndication, collateral, security enforcement, professional secrecy, online banking transactions, e-commerce transactions and merchant accounts and general licencing and compliance issues. 

Our specialist knowledge of the sector and its issues enables our lawyers to provide results driven commercial advice to Banks on some of their most complex transactions and to help them address some of their most challenging business issues.

Our Banking Lawyers

Our Banking & Finance Team consists of a multi-disciplinary group of lawyers drawn from our Banking, Capital Markets, Corporate, Tax, Litigation and Real Estate practices who have an unrivalled breadth and depth of experience of working with Banks in Europe, the Americas and Asia.

Chetcuti Cauchi advises banks and financial institutions on regulatory, licencing, operational and traditional substantive law issues. The firm also provides expertise in the legal and regulatory aspects of online delivery of financial products and services, particularly internet banking and online payment systems.

 

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Featured Publications





Banking & Finance Publications

Malta Payment Services: Setting up a Payment Services Company in Malta - Charles Cassar - 28/09/14
Malta Payment Institutions - Stevie Aquilina - 21/08/14
Malta Loan Funds: MFSA Issues Investment Services Rules for Loan Funds - Charles Cassar - 16/04/14
Electronic Money Institutions : Licensing and Regulation in Malta - Charles Cassar - 07/04/14
Malta Bitcoin Company - Dr Charles Cassar - 05/10/13
Banking Stability and Financial Services in Malta - Dr Charles Cassar - 03/10/13
Malta Binary Options - Dr Charles Cassar - 25/07/13
Malta & Cyprus: A sea apart (European Commission Report on Malta) - Dr Maria Chetcuti Cauchi - 17/04/13
Malta Depositor and Investor Compensation Schemes - Cristina Maria Scerri - 14/03/12
Malta Credit Institutions Own Funds Requirements - Dr Jonathan Pisani - 08/02/12
 
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Banking & Finance News

Andorra commits to automatic exchange of information in tax matters - Michelle de Maria - 26/06/14
Malta's Financial Services Industry - Performance in 2013 - Dr Priscilla Mifsud Parker - 21/01/14
Binary Options in Malta - Dr Charles Cassar - 20/07/13
MFSA proposal for Reinsurance Special Purpose Vehicles (RSPV) - David Joseph Borg - 05/07/13
MFSA Issues AIFMD Self-Assessment Questionnaires - Dr Charles Cassar - 10/05/13
Malta leads the EU growth in monetary institutions - Dr Daniela Bartolo - 06/05/13
Standard & Poor confirm that Malta differs from Cyprus - Dr Anton John Mifsud - 29/04/13
Malta Central Bank Governor confirms Resilience of Malta’s Banking Sector - Dr Anton John Mifsud - 25/04/13
Bloomberg Brief confirms Malta’s Banking Clean Bill of Health - Dr Maria Chetcuti Cauchi - 18/04/13
Improved EU securities markets and investment conditions - Dr Anton John Mifsud - 26/02/13
 
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Recent Work in Banking & Finance

We've been engaged  by a major international bank to advise on the regulatory implications relating to the provision of a number of loans to Maltese companies. The issuing entity was an EU branch of a large non-EU institution. In addition to the regulatory implications, our firm provided advice with respect to all aspects of the transaction, including security, enforceability, practical considerations, and tax planning.

 
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Chetcuti Cauchi is a Malta Law Firm specialising in Malta Company Formation, Malta Tax Advisory, Malta Gaming Licenses, Malta Investment Funds, Malta Investment Services, Malta Permanent Residency, Cyprus Company FormationMalta Yacht Registration, Malta Ship Registration


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