Joe Bamford

Norton Rose Fulbright LLP

United Kingdom
T:+44 20 7444 2140
United Kingdom
T:+44 20 7444 2140
Joe Bamford

Joe Bamford


Related services and key industries


Joe Bamford is a financial services lawyer based in London. He specialises in financial service regulatory law.

Joe has a particular focus on retail financial services and products, including financial services regulatory law, anti-money laundering, financial promotion, corporate governance, retail banking and consumer credit. Joe advises a broad range of clients from both the retail and wholesale sectors.

Joe is an author of the money laundering chapter of Financial Services Law (Oxford University Press) Financial services regulation.

Professional experience

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  • Several domestic and international banks and financial institutions Advised on their MiFID II projects, focussing mainly on investor protection including product governance, inducements, conflicts;
  • A client -  Assisted in the establishment of a Peer-to-Peer lending platform, including drafting lending documentation and providing advice on the authorisation process with the FCA;
  • Developed guidance and toolkit for clients to utilise in preparing for disclosure requirements under the new PRIIPs regulations, including drafting a KID template and providing advice to clients on the scope of the regime;
  • Several large UK banks - Worked closely with to produce market guidance on the implementation of the costs and charges disclosure regime under MiFID II;
  • A European bank - Advised in connection with an internal review of historic activity associated with a repricing exercise of certain customers' loans;
  • A large retail bank - Advised on their mortgage documentation and internal processes, including providing training to staff on their legal obligations and responsibilities; and
  • Anti-money laundering and counter-terrorist financing (AML/CTF) advice to several domestic and international banks, including drafting AML/CTF policies and providing advice on cross border business.


The FCA's proposed new Consumer Duty: 10 things to know

Publication | June 21, 2021

Financial Services Bill

Publication | December 14, 2020

Brexit Pathfinder

Publication | October 21, 2020

UK: COVID-19 and retail customers: An update on fairness and forbearance

Publication | July 27, 2020