Simon Deane-Johns#11715

Simon Deane-Johns

Consultant Solicitor, Crowley Millar Solicitors LLP
Simon is admitted as a solicitor in Ireland and the UK, specialising in the regulatory and commercial aspects of online financial services, e-commerce, personal data, IT, cryptoassets, smart contracts, AI and related public affairs.
Simon’s clients include:
• e-money and payment service providers;
• consumer lenders;
• e-retailers and e-marketplaces, including gift cards;
• P2P lenders and other crowdfunding platforms; and
• IT and data services providers.

After initially practising as a barrister in Sydney for four years, Simon has spent the past 25 years in financial technology in London and New York, working with global players Reuters, GE, Amazon and WorldPay, and co-founding Earthport plc as a peer-to-peer (P2P) payments platform and Zopa (the world’s first P2P lending platform) as general counsel, before returning to full-time private practice in 2011.

Simon has also advised on the launch of many other innovative services including LinkedFinance (Ireland’s first P2P lending platform) Prodigy Finance (whose loans were funded via a Dublin-listed bond issuer), Abundance Investment, Crowdbank, Proplend, Invest & Fund, Nutmeg, Borro, Yoyo, The Money Platform, Nester, Funding Xchange, RoosterMoney and four Amazon services in Europe.

Simon is a Senior Fellow of the Finance Innovation Lab (2015) and a Fellow of the Society for Computers and Law (2022). Simon was a Member of the Media/Advisory Board of Society for Computers and Law 2001-21 and Chair of the Media Board (2012-18) and Chair of the Advisory Board (2018-21).

Simon also speaks and writes frequently on FinTech legal issues, including on his legal blog “The Fine Print”. In his spare time, Simon trains for cycling sportives and masters rowing. He is a member of Crabtree Boat Club, Leander Club and the Stewards’ Enclosure of Henley Royal Regatta. Simon and Crowley Millar look forward to supporting their local and global clients’ regulatory and commercial expansion in Ireland and the EEA.


Contributed to

4

Other work

Ireland—Regulation of high cost credit providers
Ireland—Regulation of high cost credit providers

This Practice Note discusses the definition and regulatory requirements for ‘high cost credit providers’ in Ireland. It explains that such providers must obtain authorisation from the Central Bank of Ireland to offer high cost credit services. This Practice Note also covers the application process for authorisation, renewal requirements, and transitional arrangements, providing an overview of the regulatory regime for these financial providers.

Ireland—Regulation of payment services providers
Ireland—Regulation of payment services providers

This Practice Note explores the regulation of payment services providers in Ireland. It outlines persons that can provide payment services and the application process for payment service providers. It outlines where exclusions exist, and notifications required when relying on certain exclusions. It highlights the permitted business activities that payment providers may engage in. It discusses the offences which may arise if payment services are provided without authorisation.

Ireland—Regulation of Retail Credit Firms
Ireland—Regulation of Retail Credit Firms

This Practice Note discusses the regulation of Retail Credit Firms in Ireland. It outlines the definition of a Retail Credit Firm under Central Bank Act 1997 (Ireland) as amended by the Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act 2022 (Ireland). It provides an overview of the regulatory regime for Retail Credit Firms. It explains the application process for authorisation as a Retail Credit Firm and when a Retail Credit Firm could avail of the transitional provisions.

Ireland—The regulated activity of issuing electronic money
Ireland—The regulated activity of issuing electronic money

This Practice Note explores the business activity of issuing electronic money (e-money) in or from Ireland. It addresses persons that can issue e-money, the application process for e-money institutions, permitted business activities, and offences which may arise for issuing e-money without authorisation.

Practice Area

Panel

  • Contributing Author

Qualified Year

  • 1990

Experience

  • Keystone Law (2005 - current)
  • Axiom (2008 - 2011)
  • Zopa (2004 - 2008)
  • GE Consumer Finance (2002 - 2004)
  • Leman/Ogier Ireland (2018 - 2023)

Membership

  • Society for Computers and Law
  • Finance Innovation Lab

Qualification

  • BA LLB

Education

  • University of Sydney

If you expected to see yourself on this page, click here.