Rick Sanders
Senior Associate
Rick is a lawyer in Finnius’ advisory practice. Trained with a broad background in financial supervisory law, Rick mainly works on asset management (fund management and investment services), credit providers and financial services (advisers, intermediaries and authorised agents). He also has experience with the Debt Collection Services Quality Act (Wet kwaliteit incassodienstverlening).
He is active in identifying and analysing new market-wide developments, such as DORA, accessibility rules and the Savings and Investments Union (SIU). Rick also blogs regularly on the Finnius website and publishes in legal journals.
Rick is described as a pragmatic adviser with an eye for strategy and the business. In large projects, he is good at providing direction and keeping an overview. With his broad background, forward-looking view and analytical ability, he helps clients find their way through the jungle of financial supervisory law.
In addition to being an attorney, Rick regularly publishes in law journals, such as Tijdschrift voor Financieel Recht (FR) and Financieel Recht in de Praktijk (FRP).
Professional experience
- Finnius, November 2026 – present
- Triodos Investment Management, January 2026 – October 2026
- Finnius, May 2023 – December 2025
- Deloitte Legal, December 2021 – April 2023
- Dirkzwager legal & tax, February 2018 – November 2021
- bunq, September 2017 – January 2018
Market-wide knowledge and experience
- Assisting with license applications;
- Assisting with declarations of no objection (DNOs);
- Assisting with regulatory aspects of acquisitions;
- Assisting with regulator dealings and communications (AFM and DNB);
- Advising and assisting with integrity and suitability assessments of directors (policymakers) and governance;
- Identifying, advising on and assisting with the implementation of new and amended laws and regulations;
Current areas of specialization
- Assisting with the application of remuneration rules for banks, asset managers and financial services providers;
- Advising on asset management regulations (AIFMD, UCITS, MiFID II, IFD/IFR and the Dutch Financial Supervision Act (Wft));
- Advising on regulations for lenders and financial services providers (CCD, IDD and the Wft);
- Advising on digital operational resilience (DORA) and accessibility rules (EU Accessibility Act);
- Advising on the Retail Investment Strategy (RIS), Savings and Investments Union (SIU) and Market Integration and Supervision Package (MISP).
- Over inkoop, intra-groep voorzieningen, monitoring en andere uitbestedingsperikelen voor asset managers with mr. R.E. Labeur, Tijdschrift voor Financieel Recht (FR 2025/3)
- Wet kwaliteit incassodienstverlening (Wki): naast financieel toezicht ook incassotoezicht? Tijdschrift voor Financieel Recht (FR 2023/9)
- Onredelijk bezwarend beding in algemene voorwaarden van Curaçaose bank Jurisprudentie Onderneming & Recht (JOR 2023/12)
- Opzegging van bankrelaties en het recht op een zakelijke bankrekening Financieel Recht in de Praktijk (FRP 2021/241)
- SFDR: verslaggeving van duurzaamheid voor vastgoedfondsen with R.H.J. van Houts, Vastgoedrecht (VGR 2021/6)
- De Europese Taxonomieverordening voor ecologisch duurzame (vastgoed)beleggingen with R.H.J. van Houts, Vastgoedrecht (VGR 2021/4)
- Ambtshalve toetsing bij consumentenkrediet with C.H.D.W. van den Borne-Verheijen, Tijdschrift voor Financieel Recht (FR 2021/7)
- De nieuwe Europese crowdfunding-verordening (ECSP) with R.H.J. van Houts, Vastgoedrecht (VGR 2021/2)
- Hoge Raad oordeelt over opslagen op variabele rente bij hypotheken with C.H.D.W. van den Borne-Verheijen, Vakblad Financiële Planning (VFP 2020/34)
Rick has registered Financial Law in the Netherlands Bar Association’s register of areas of law.
This registration requires Rick to obtain ten training points in this area of law each calendar year in accordance with the standards of the Netherlands Bar Association.