Sushil Kuner
Partner & Head of Financial Services Regulation | London
“Sushil Kuner is an impressive practitioner. She is naturally intelligent and has commercial acumen, backed by extensive experience working at the enforcement division of the FCA.”
The Legal 500 2025
Mobile: +44 791 762 1294
About Sushil
Sushil leads Freeths’ Financial Services Regulatory practice in the UK and is based in the firm’s London office. She advises on all aspects of financial services regulatory law, drawing on over 15 years of experience spanning senior roles at the Financial Conduct Authority (FCA) and international law firms.
Regulatory Expertise
Sushil spent eight years within the FCA’s Supervision and Enforcement Divisions, where she:
- Challenged and/or ordered take downs of misleading or illegal financial promotions
- Oversaw Skilled Persons on large-scale redress exercises involving millions of customers
- Led thematic reviews in the wealth management sector, including the FCA’s high-profile ‘Suitability’ review
- Conducted dawn raids where there were suspicions of misconduct or financial crime
- Acted as lead investigator and case lawyer in complex Enforcement investigations
Her deep insight into the FCA’s operations, priorities, and decision-making enables her to guide clients through sensitive regulatory discussions and deliver pragmatic solutions in the most challenging situations.
Client Base & Advisory Work
Since returning to private practice, Sushil advises a broad range of clients, including asset managers, banks, pension trustees, payment services firms, crytoasset businesses, consumer credit businesses, FinTech firms, AIM and FTSE-listed companies, global tech firms, listed investment funds and VC/PE houses.
Her work covers contentious and advisory matters across a wide range of UK and EU regulations such as AIFMD, MiFID, PRIPPs, MAR, SFDR, the Payment Services Regulations 2017, and the Consumer Credit Act 1974. She regularly advises on:
- FCA perimeter guidance and financial promotions
- Consumer Duty and the Senior Managers Regime
- Authorisations, variations of permission, and change in control applications
- Breach notifications and contested enforcement cases
- Complaints Handling
Industry Recognition & Thought Leadership
Sushil is a thought leader in Financial Services and is a frequent media commentator (FT, FT Adviser, The Guardian, The Lawyer, UK Tech News, Lexis Nexis) and a speaker at leading industry events, including Innovate Finance and City & Financial Conferences. She is named as a leading lawyer in the Legal 500 for Financial Services: Non-Contentious/Regulatory and FinTech.
She is also:
- Author of the Financial Services chapter in The Law of Artificial Intelligence (Sweet & Maxwell)
- Contributor to the UK chapter of FinTech (Global Legal Insights) from 2019 to 2025
Contact Sushil
Mobile: +44 791 762 1294
Notable work & expertise
Recent work
- H&T Group PLC on the regulatory aspects of its £297m acquisition by FirstCash Holdings, Inc.
- AIM listed AssetCo Plc on financial services regulatory aspects of several high-profile acquisitions of asset management firms as part of its buy-and-build strategy in the sector
- A global fintech unicorn operating in the Buy Now Pay Later and regulated consumer credit sectors on various aspects of the UK payment services, consumer credit and financial promotion regimes
- An American Technology company listed on the New York Stock Exchange stock exchange with a market cap of circa $46.5bn USD on the launch of a non-custodial Bitcoin hardware wallet in the UK
- Several auto-manufacturers on their direct-to-consumer online sales platforms, including advising on consumer credit related issues and FCA financial promotion rules
- A senior director of a company listed on the LSE in FCA Enforcement proceedings alleging insider dealing
- A founder and former CEO of a London-based wealth and asset manager in FCA Enforcement proceedings
- Advising the captive finance arm of a large OEM on the FCA’s motor finance redress proposals
Testimonials
"Sushil Kuner is an excellent lawyer; pragmatic, knowledgeable and quick.”
The Legal 500, 2025
"Sushil Kuner is our ‘go-to-person’ and not only is she incredibly responsive, but her deep-seated regulatory knowledge and first-hand FCA experien...
The Legal 500, 2022
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