We provide comprehensive legal advice to a diverse range of clients in the financial sector, including credit institutions, investment firms, insurance providers, and more. Our versatile legal services offer practical, creative and goal-orientated solutions.
We provide comprehensive legal advice to a diverse range of clients in the financial sector, including credit institutions, payment and e-money institutions, investment firms, insurance providers and intermediaries, crowdfunding service providers, savings and loan associations, virtual currency service providers, and more.
For companies seeking financing or investment opportunities, we advise on raising capital through an IPO and trading shares on regulated (Nasdaq main market) and alternative market (Nasdaq First North).
We also offer tailored guidance to businesses operating in the crypto asset sector, from assessing their business model to drafting the necessary documentation to obtain authorisation as a virtual currency service provider. Our expertise also extends to advising non-financial sector businesses that are subject to financial regulations, such as traders, gambling operators, and real estate agents.
We have a practical understanding of the expectations of the Financial Supervision Authority. Thanks to our team’s previous long-term experience in the banking and financial sector and efficient cooperation with the Financial Supervision Authority, we have a good understanding of the activities and business of entities in the financial sector. Therefore, we can offer our clients added value not only in strictly legal issues, but also in matters related to prudential requirements, reporting and business plans.
As certified advisors of Nasdaq First North, we can provide services to Nasdaq Baltic First North companies in all three Baltic countries. Our task is to guide companies through the application process and ensure that they consistently meet First North’s rules and requirements. First North’s certified advisors are financial and business consulting professionals who have undergone specific First North training. Find out more here.
We are client-focused and oriented towards finding business solutions. We thoroughly familiarise ourselves with our customers, their businesses and future plans in order to build long-term relationships that create added value. Through KPMG’s integrated network, we are able to offer a multidisciplinary and, where necessary, cross-border approach. Our experienced project managers help to manage processes through a single point of contact, reducing the resource and time consumption of all parties involved.
We support our clients throughout the entire process of raising capital, from the initial consultation and overviews of legal and regulatory requirements to the preparation of relevant documentation.
We help our customers apply for an authorisation in the financial sector, offer assistance in extending an existing authorisation and carry out a legal analysis of their business model to determine whether authorisation is needed. We advise our customers based on their requests, starting with the preparation of the documents required for the application for authorisation and continuing throughout the entire application process.
We provide clients with comprehensive legal advice, from the legal analysis of their business model, drafting and reviewing documentation (contracts, internal procedures of the company) to negotiating with business partners.
We have knowledge of and experience related to Estonian laws and regulations applicable to the financial sector, including the Law of Obligations Act (LOA), the Consumer Protection Act (CPA), the Credit Institutions Act (CIA), the Securities Market Act (SMA), the Securities Register Maintenance Act (SRMA), the Payment Institutions and E-money Institutions Act (PIEMIA), the Creditors and Credit Intermediaries Act (CCIA), the Investment Funds Act (IFA) and the Insurance Activities Act (IAA), etc.We also use relevant EU-level directives and regulations in our work, including the following:
Managing Partner, Attorney-at-Law, Head of Legal Services
Partner, finantssektori juht , vandeaudiitor
Head of Advisory Services, Partner
Head of Tax, Partner
Head of Risk Consulting, Internal Audit and Forensic Services