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Rick Sanders
SENIOR ASSOCIATE
Rick is an attorney specializing in financial regulatory law. With a broad background in financial regulatory practice, in particular Rick advises on financial services (advisers/brokers), consumer credit, fund managers, remuneration rules and insurance. He helps clients navigate their way through the many European and Dutch laws and regulations, regulatory policies and market standards. Whether it’s scope advice or outlining a license application – with practicality and legal detail in mind, he provides concrete, actionable advice. In addition, Rick keeps a constant eye on the latest developments within regulatory law.
Other positions
In addition to being an attorney, Rick regularly publishes in law reviews, such as Tijdschrift voor Financieel Recht (FR) and Financieel Recht in de Praktijk (FRP).
Work experience
- Finnius, May 2023 – present
- Deloitte Legal, December 2021 – April 2023
- Dirkzwager legal & tax, February 2018 – November 2021
- bunq, September 2017 – January 2018
- Advising and supervising licensing processes for financial enterprises;
- Supervising applications for a declaration of no-objection (DNO);
- Advising on the applicability of financial supervision law to companies and services/products;
- Advising on the impact of new and changed regulations on market participants;
- Advising investment fund managers (AIFMD);
- Advising financial service providers (advisors, intermediaries, authorized agents);
- Advising on consumer credit (CCD) and insurance (IDD); and
- Advising on sustainability and Sustainabe Finance (SFDR, Taxonomy).
- Collection Services Quality Act: collections supervision in addition to financial supervision? Tijdschrift voor Financieel Recht (FR 2023/9)
- Unfair terms in the general terms and conditions of a Curaçao bank Jurisprudentie Onderneming & Recht (JOR 2023/12)
- Termination of banking relationships and the right to a business bank account Financieel Recht in de Praktijk (FRP 2021/241)
- SFDR: transparency on sustainability for real estate funds with R.H.J. van Houts, Vastgoedrecht (VGR 2021/6)
- The European Taxonomy Regulation for environmentally sustainable (real estate) investments with R.H.J. van Houts, Vastgoedrecht (VGR 2021/4)
- Ex officio review of consumer credit with C.H.D.W. van den Borne-Verheijen, Tijdschrift voor Financieel Recht (FR 2021/7)
- The new European Crowdfunding Regulation (ECSP) with R.H.J. van Houts, Vastgoedrecht (VGR 2021/2)
- Dutch Supreme Court rules on surcharges on mortgages with variable interest rates with C.H.D.W. van den Borne-Verheijen, Vakblad Financiële Planning (VFP 2020/34)
Rick Sanders has registered Financial Law as his principal legal practice area in the Netherlands Bar’s register of legal practice areas (rechtsgebiedenregister).
Based on this registration, Rick is required to obtain ten training credits per calendar year in this registered legal practice area in accordance with the standards set by the Netherlands Bar.