Best Banking & Finance Lawyers in Lisbon

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GFDL Advogados

GFDL Advogados

Lisbon, Portugal

Founded in 2018
15 people in their team
GFDL Advogados is an independent full-service law firm based in Lisbon. Our team comprises highly skilled advisors and lawyers with international...
Portuguese
English
French
Hungarian
Romanian
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EDGE - International Lawyers

EDGE - International Lawyers

Lisbon, Portugal

Founded in 2016
200 people in their team
Our experienced team provides legal solutions for both international and domestic clients, serving their business needs whilst also understanding...
Portuguese
English
Lexidy Law Boutique

Lexidy Law Boutique

Lisbon, Portugal

Founded in 2015
200 people in their team
Lexidy StoryAs a young lawyer in Madrid, Fede was struggling to break into the city’s legal hegemony. His first job as a newly-minted lawyer was...
Portuguese
English
LVP Advogados

LVP Advogados

Lisbon, Portugal

Founded in 2000
50 people in their team
​Our ApproachOur legal team assists foreign individuals, families, businesses and institutions with investments and/or residence in Portugal, from...
Portuguese
English
CCA Law Firm

CCA Law Firm

Lisbon, Portugal

Founded in 1949
200 people in their team
In a world updated to the second, we must be able to constantly adapt to change. CCA relies on a responsive attitude of adaptability to several...
Portuguese
English
Legal Square - Global Law Firm

Legal Square - Global Law Firm

Lisbon, Portugal

Founded in 2012
50 people in their team
UNIQUE. TIMELESS. RELIABLE.LEGAL|SQUARE is a law firm with a unique vision, working across 5 continents to advise global clients that count on us to...
Portuguese
English
Rogério Alves & Associados

Rogério Alves & Associados

Lisbon, Portugal

Founded in 2003
50 people in their team
WHO WE AREMORE THAN LAWYERS, WE ARE PARTNERS.We are a dedicated, qualified and multidisciplinary team, organized by areas of practice. We present...
Portuguese
English
Antas da Cunha Ecija & Associados

Antas da Cunha Ecija & Associados

Lisbon, Portugal

Founded in 2015
200 people in their team
It was born after its founding partners realized the need and opportunity to start a unique and revolutionary project in the law firm market in...
Portuguese
English
PLMJ Advogados, SP, RL

PLMJ Advogados, SP, RL

Lisbon, Portugal

Founded in 1967
500 people in their team
Leaders for over 50 years, we are proud of the culture we have built. We see our clients' challenges as our own and we put our people at the centre...
Portuguese
English
CAMEIRÃO ADVOGADOS ASSOCIADOS

CAMEIRÃO ADVOGADOS ASSOCIADOS

Lisbon, Portugal

Founded in 2000
50 people in their team
ABOUT USA modern and multilingual office, a team of experienced and dedicated lawyers, with high specialization, capable of clear ideas in an...
Portuguese
English
AS SEEN ON

About Banking & Finance Law in Lisbon, Portugal

Lisbon, Portugal, is a thriving hub for financial services underpinned by a robust banking and finance sector. Portuguese banking and finance law encompasses a wide range of activities, including lending, securities transactions, asset management, and regulatory compliance. The legal framework is primarily governed by both European Union directives and local regulations established by Portuguese authorities. With Lisbon being home to many international and local financial institutions, understanding the nuances of these laws is crucial for anyone involved in banking and finance operations in the city.

Why You May Need a Lawyer

There are various situations in which individuals and businesses may need legal assistance in banking and finance matters. Legal advice may be required when dealing with complex financial transactions, such as mergers and acquisitions, project financing, or restructuring debt. Additionally, individuals or companies facing regulatory issues, disputes with financial institutions, or seeking advice on compliance with Portuguese and EU financial regulations could greatly benefit from professional legal counsel. Lawyers can provide crucial guidance in negotiating contracts, understanding investment implications, and safeguarding financial interests.

Local Laws Overview

The banking and finance sphere in Lisbon is regulated by an amalgam of national laws and European Union directives. Key regulatory bodies include the Banco de Portugal, which oversees the banking sector, and the Comissão do Mercado de Valores Mobiliários (CMVM), responsible for supervising securities markets. Main legal considerations for businesses operating in Lisbon include compliance with anti-money laundering regulations, adherence to the General Data Protection Regulation (GDPR) regarding financial data, and observance of corporate governance rules. Additionally, recent amendments to financial laws have fostered a more investor-friendly environment, promoting financial innovation and stability.

Frequently Asked Questions

What are the main regulations governing banking in Portugal?

The primary regulations include the Credit Institutions and Financial Companies Act, the Securities Code, and compliance with various EU directives such as MiFID II, CRD IV, and GDPR.

Do I need a lawyer to take out a mortgage in Lisbon?

While not legally required, engaging a lawyer can be helpful to navigate the complexities of mortgage contracts and ensure all legal conditions are favorable and transparent.

How can I resolve a dispute with a bank in Lisbon?

Initially, attempt to reach a resolution directly with the bank. If unsuccessful, the Banco de Portugal’s consumer protection services offer mediation. If the issue persists, seeking legal advice could be useful.

What legal procedures are involved in setting up a financial company in Lisbon?

Establishing a financial company involves registering with the Commercial Registry and obtaining licenses from the Banco de Portugal and/or other regulatory bodies, depending on the type of financial services provided.

Is Portugal an attractive destination for financial technology (fintech) startups?

Yes, Portugal offers a supportive ecosystem for fintech startups, including regulatory sandboxes, government incentives, and a vibrant startup community, particularly in Lisbon.

How does Portugal's tax regime affect banking and finance operations?

Portugal's tax system has provisions for issues such as corporate tax, value-added tax on certain financial services, and specific taxation rules for investment income, which require careful consideration and planning.

What role does the CMVM play in finance law?

The Comissão do Mercado de Valores Mobiliários (CMVM) oversees the securities market in Portugal, including investor protection, market transparency, and the licensing of financial instruments and markets.

How important is compliance with GDPR in the banking sector?

Compliance with GDPR is crucial in the banking sector due to the high volume of personal data processed. Non-compliance can lead to severe penalties and damage to reputation.

Can foreign investors easily access the Portuguese financial market?

Portugal generally welcomes foreign investment, with no significant legal barriers for foreign investors entering the financial market, though compliance with local and EU regulations is necessary.

What are the consequences of defaulting on a loan in Portugal?

Defaulting can lead to legal proceedings initiated by the lender, impacting credit ratings and possibly resulting in foreclosure or asset seizure. Legal advice is recommended for negotiating or restructuring debt under such circumstances.

Additional Resources

For further assistance, consider consulting the following resources:

  • Banco de Portugal: The central bank, which provides regulatory and consumer protection information.
  • Comissão do Mercado de Valores Mobiliários (CMVM): Offers guidance and updates on securities markets.
  • Portuguese Bar Association: Can help locate qualified lawyers specializing in banking and finance law.
  • Lisbon Chamber of Commerce: Provides resources and networking opportunities for financial enterprises.

Next Steps

If you need legal assistance in banking and finance, start by identifying your specific needs and goals. Consider consulting with a specialized lawyer who understands both international and local regulations. Compiling necessary documentation and preparing questions beforehand can expedite the consultation process. Engaging a lawyer early can help navigate potential legal challenges effectively and safeguard your financial interests.

Disclaimer:
The information provided on this page is intended for informational purposes only and should not be construed as legal advice. While we strive to present accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or currentness of the content. Laws and regulations can change frequently, and interpretations of the law can vary. Therefore, you should consult with qualified legal professionals for specific advice tailored to your situation. We disclaim all liability for actions you take or fail to take based on any content on this page. If you find any information to be incorrect or outdated, please contact us, and we will make efforts to rectify it.