We identify your product or service, your markets, and your role in the value chain to narrow down what needs to be assessed and in what order. The result is a clear picture of what is urgent and what can be planned further ahead.
Fintech Legal Counsel
Fintech lawyers support the business with regulatory matters, agreements and product development
Legal advice in fintech and financial regulation
Morling Consulting specializes in legal counseling within financial regulation. We are here to guide you through the complex regulatory frameworks that fintech businesses have to implement. Our fintech specialists handle one-time inquiries or large and complex projects.
We work with legislation relating to e.g. anti-money laundering (AML), the General Data Protection Regulation (GDPR), and consumer law. Morling Consulting identifies the licenses your business requires and provide support in the application process with the Financial Supervisory Authority. Additionally, we advise on commercial law within fintech.
We deliver tailored solutions that meet your specific needs. By combining in-depth legal knowledge with practical experience, we ensure that you can navigate the financially regulated sector with confidence and efficiently. We take pride in building long-term relationships based on trust and results.
Working method for fintech assignments
We translate relevant requirements into a practical risk picture linked to your business model and your processes. You receive a basis showing where the requirements apply and which areas require decisions at management level.
We develop a workable plan with priorities, ownership, and realistic delivery milestones so the work becomes manageable and controllable. The plan helps you allocate resources to the right actions first and create traceability in the work.
We support you in drafting and updating the documents and ways of working needed, and we provide guidance in dialogue with the Swedish Financial Supervisory Authority (Finansinspektionen) when relevant. The focus is on making the requirements applicable in day-to-day operations and possible to follow up.
We track changes in your business and in the regulatory frameworks and adjust documentation and routines when needed. You get continuity in compliance work and better decision support over time.
Alexander Nilsson, Axstar ABMorling Consulting have been invaluable to our work in building a financial service at the interface between technology and regulation. They combine legal precision with commercial understanding and are consistently solution-oriented, even on complex issues.
Strategic legal advice that creates business value
With Morling Consulting as your partner, you receive not only legal counseling but also strategic insights and practical solutions. We create added value and ensure that your business can grow and develop within the framework of an increasingly complex and regulated market. Morling Consulting frequently advices in:
- Compliance – what is required to comply with the regulations and how well does the business currently comply?
- Licensing – what licenses/registrations are needed for your business and what are the requirements?
- Business law – how can contracts regarding financial services be written and negotiated?
We work closely with our clients to understand business objectives and operational challenges. This enables us to provide legal advice that is not only compliant but also commercially relevant. Our focus is on translating legal requirements into practical steps that strengthen your competitiveness and reduce risk.
Regulatory insights
Legal advice that moves fintech companies forward
Morling Consulting provides courses, counseling, review, and reporting to financial operations or other businesses subject to anti-money laundering regulations. We update policy documents for anti-money laundering, create data protection impact assessments required under GDPR, or assist in communications with authorities like the Financial Supervisory Authority, the Consumer Agency, and the Data Protection Authority.
Our regulatory advisory services provide insights into regulations and their impact on licensed activities. Our AML counsels continuously apply the anti-money laundering regulations within fintech companies and implement these regulations in their operations. Fintech companies need to navigate the complexities of the regulations to meet the requirements of the legislation, e.g. the anti-money laundering act.
Our AML specialists assist you in integrating robust processes for KYC and transaction monitoring. We also help you develop effective reporting systems for suspicious transactions which ensure compliance with relevant regulations and guidelines.
GDPR in the fintech sector is another challenge. Our specialists evaluate whether your processing of personal data complies with GDPR and through continuous advice and analysis the legality of the processing of personal data is ensured, i.e., has a legal basis.
Contact an expert for advice on license requirements from the Financial Supervisory Authority
Morling Consulting reduces the ramp-up time for applying the regulatory requirements in financial operations. With a long track record of proven experience, we are more than just legal counsels – we combine business understanding with legal expertise.
Contact an expert for advice on license requirements from the Financial Supervisory AuthorityWelcome to contact us today to discuss your needs!
Frequently asked questions about fintech legal services and Morling Consulting
A fintech legal counsel specializes in legal matters within the financial technology sector and supports businesses in navigating complex regulations such as anti-money laundering (AML), the General Data Protection Regulation (GDPR), consumer protection law, and licensing requirements. The counsel also assists in communication with authorities such as the Swedish Financial Supervisory Authority.
Morling Consulting offers legal advice and regulatory support tailored to the needs of fintech businesses. We assist with, among other things:
- Guidance on AML regulations, trainings and updating internal policy documents.
- Conducting data protection impact assessments in accordance with GDPR.
- Preparing license applications to the Swedish Financial Supervisory Authority.
- Supporting communication with authorities such as the Swedish Consumer Agency and the Swedish Data Protection Authority.
- Developing internal procedures and compliance programs.
- Providing legal support in contract matters and commercial law issues.
Absolutely. Morling Consulting gets involved early in the development phase to ensure your service is correctly designed from a regulatory standpoint. This saves time, reduces costs, and minimizes the risk of delays later on. We assist with:
- Identifying licensing requirements prior to launch.
- Legal review of product design and functionality.
- Reviewing onboarding flows and customer-facing information.
It depends on the type of services your company provides. It may involve licenses from the Financial Supervisory Authority for e.g. payment services, credit origination, or investment services. Morling Consulting identifies the licenses your business needs and supports you throughout the entire application process.
Compliance means ensuring that your business adheres to applicable laws and regulations. Morling Consulting helps you:
- Identify which regulatory frameworks apply to your operations.
- Assess how well your business currently complies with the requirements.
- Develop and implement routines, policies, and control systems.
- Provide training and continuous support to ensure compliance.
Fintech companies often process large volumes of personal data. Their data processing is typically extensive, systematic, and includes financial information as well as data needed to comply with anti-money laundering regulations. This type of processing is considered risky for individuals, which requires thorough implementation of accurate legal bases, transparency, and secure handling. Morling Consulting ensures that your data processing activities are aligned with data protection legislation.
Yes, Morling Consulting is based in Stockholm but undertakes assignments throughout Sweden and internationally. We offer both remote and on-site counseling, depending on what suits your business best.
Legal Coaching from Morling Consulting means you get a dedicated legal advisor who acts as a sounding board, strategic partner, and ongoing legal resource—either for a specific project or as part of your day-to-day operations. Rather than reacting to legal issues as they arise, we work proactively to build your internal capacity to manage legal and regulatory risk.
Legal Coaching is particularly well suited for fintech companies that:
- Are running large-scale projects with complex legal and strategic decisions, such as launching a new product or service.
- Want to build in-house capacity to independently manage legal matters over time.
- Seek continuity and close collaboration with an external legal expert.
Preparation means being able to demonstrate control over your processes and show that regulatory compliance is embedded in practice—not just documented. We help you:
- Conduct an internal compliance audit.
- Review policies and actions already implemented.
- Ensure reporting, training, and routines are in place.
- Prevent common compliance gaps frequently noted by the Financial Supervisory Authority.
KYC is a central part of anti-money laundering (AML) regulations and must be both risk-based and documented. We help you:
- Design and document KYC procedures based on your specific risk profile.
- Implement systems for monitoring and follow-up.
- Ensure your routines meet the standards set by the Financial Supervisory Authority.
Yes. When you are growing across borders we provide:
- Legal analysis of licensing and regulatory requirements in new markets.
- Coordination with local advisors and regulatory authorities.
- Adaptation of your existing processes to meet international regulatory standards.
Speak to a fintech lawyer
Do you need support with regulatory matters, agreements or product development? Contact us to discuss
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