
Specialist UK Telecoms, Data and Payments Regulation Lawyers
Clear, senior-level regulatory and commercial advice for telecoms, data protection and payments
If your business operates in UK telecoms, processes personal data, or provides payment services, regulation determines what you can build, how you can compete, and what risks you carry. Bratby Law provides specialist regulatory and transactional advice across telecoms, data protection and payments, led by Rob Bratby, a Chambers Band 2 telecoms lawyer with over 30 years’ experience spanning the UK telecoms regulator, senior in-house roles at network operators, and partnership at international law firms. Clients instruct the firm through three models: Direct Legal Advice, Specialist Co-counsel and Fractional General Counsel.
Chambers & Partners Band 2 Telecoms (UK Guide 2026)
Legal 500 Leading Partner, Telecoms (London)
Lexology Global Elite Thought Leader, Data Protection
When clients instruct us
New product launch in a regulated sector
Regulatory compliance review, licensing requirements and go-to-market risk assessment for telecoms operators, fintechs and platforms launching new services. Product launch advice
Regulatory due diligence on an acquisition
Telecoms, data protection and payments risk assessment for investors and acquirers in regulated sectors. Due diligence
AI product launch or data compliance review
DPIA, controller/processor analysis and UK GDPR compliance for technology companies deploying AI-enabled products. AI and data advice
FCA or PSR authorisation application
Payment services and e-money authorisation, safeguarding requirements and PSR scheme compliance. Authorisation advice
Ongoing senior regulatory counsel
Fractional General Counsel for telecoms, fintech and data businesses that need board-level legal support without a full-time hire. Fractional GC
Your firm lacks sector expertise
Specialist co-counsel for law firms handling telecoms, data or payments matters that require regulatory depth. Co-counsel
An end-to-end regulatory perspective
Rob Bratby’s experience spans three perspectives that are seldom combined in a single advisor:
The Regulator’s Perspective
Work at Oftel, the predecessor to Ofcom, provides first-hand experience of how UK communications regulation is developed, interpreted and enforced. This includes leadership of the project to liberalise the UK’s international telecoms infrastructure market (subsea cables and satellite), and a detailed understanding of regulatory intent and enforcement dynamics.
The Operator’s Perspective
Fractional General Counsel appointments at regulated telecoms and payments businesses, and embedded general-counsel roles within industry-wide joint ventures, provide practical insight into how businesses are run, where risks arise, how compliance is operationalised and how commercial and regulatory decisions are made inside carriers, fintechs and infrastructure operators.
The Advisor’s Perspective
Senior partnership and management roles at international US and UK law firms in both London and Singapore provide a deep understanding of how high quality legal advice is delivered and translated into commercial and regulatory decisions at board level.
This combination enables advice that is legally rigorous, commercially aligned and technically grounded.
Telecoms, data protection and payments regulation lawyers
Bratby Law advises on telecoms regulation, data protection, payments regulation and transactions across the communications, financial services and technology sectors.
Why Choose Bratby Law?
Sector expertise
Bratby Law advises exclusively on telecoms regulation, data protection, and payments regulation. That concentration means deeper knowledge of the regulatory environment, faster analysis, and advice that reflects how regulators actually behave: not how the textbook says they should.
Senior delivery
Every instruction is handled by Rob Bratby personally. With 30 years’ experience spanning Oftel, senior in-house roles at network operators, and partnership at international law firms, you receive the analysis directly: not through a junior team. The firm uses AI tools to extend research capacity and accelerate document review, so senior judgment is applied to more of your matter, not less.
Unique perspective
Rob Bratby has sat on all three sides of the regulatory table: as a regulator at Oftel, as General Counsel at major operators, and as external counsel. That inside-out perspective informs every piece of advice. He currently holds fractional General Counsel appointments at TOTSCo, TelXL and Core, with further engagement in the payments sector.
Independent directory rankings
Our specialist expertise is recognised in major independent legal directories:
- Chambers & Partners: Rob Bratby is ranked as a band 2 lawyer in the UK Guide 2026 in the “Telecommunications” category: Chambers
- The Legal 500: Rob Bratby is listed as a “Leading Partner – Telecoms” in London (TMT – IT & Telecoms): The Legal 500
- Lexology: Rob Bratby is featured on Lexology’s expert profiles as a Global Elite Thought Leader for data: Lexology



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What clients say about Bratby Law:
Insights
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Framework contract termination: new PSRs 2017 regs 51 to 51D from 28 April 2026
In short: Framework contract termination by UK payment service providers operates under a new architecture from 28 April 2026. Closing a customer account opened on or after that date now requires 90 days’ written notice, sufficiently-detailed reasons and Financial Ombudsman Service signposting. Five carve-outs in regulation 51C and a fast-track regime in regulation 51D sit…
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FCA Approach Document v8: safeguarding regime consolidated, May 2026
In short: The FCA Approach Document version 8 sets the supervisory expectation for the safeguarding regime that took effect on 7 May 2026. UK PSPs and EMIs must operate segregation, daily reconciliation, monthly returns and an annual audit under CASS 15, CASS 10A, SUP 16.14A and SUP 3A. A designated senior individual is accountable for…
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Consumer Credit Act reform: FCA Handbook becomes the home for 1974 disclosure rules
In short: Consumer Credit Act reform takes the prescriptive paperwork rules for consumer credit out of the 1974 Act and puts them into the FCA Handbook. Agreement forms, pre-contract disclosure and copies-and-information duties are all in scope. HM Treasury announced this on 18 May 2026. The Financial Services and Markets Bill is the vehicle. The…
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Competition law and data protection: UK-EU convergence and where it goes next
In short: Competition law and data protection are no longer enforced as separate regimes. The EDPB and the European Commission announced joint guidance work on 28 April 2026, the latest in the EDPB’s cross-regulatory programme. The UK reached the same starting point in May 2021 through the CMA-ICO joint statement and runs the convergence through…
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ICO 2026 priorities: AI and biometrics, the Children’s Code and enforcement procedure
In short: There are three priorities for the ICO in 2026: AI and biometrics strategy, the Children’s Code and their enforcement guidance. They all share one test: can the data controller show how each decision was made, and are the safeguards proportionate to the risk? By Rob Bratby, Managing Partner, Bratby Law. Lexology Global Elite…
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FCA work programme 2026: payments, growth and financial crime
In short: FCA work programme 2026 sets out year-two delivery on four strategic priorities and confirms an annual funding requirement of £788.9m for 2026/27. The operational diary covers DPC/BNPL from 15 July 2026, cryptoasset applications from 30 September 2026 with regime go-live in October 2027, fund tokenisation guidance, captive insurance, T+1 settlement preparation, ESG ratings…
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Regulator and legislation links
- Ofcom – UK Communications Regulator
- Information Commissioner’s Office (ICO) – Data Protection and Privacy
- DSIT – UK Government: Digital, Telecoms and Data Policy
- Communications Act 2003
- Wireless Telegraphy Act 2006
- Data Protection Act 2018
- UK GDPR
- EU GDPR
- EU AI Act
- PECR
- Online Safety Act 2023
- Financial Conduct Authority (FCA)
- Payment Systems Regulator (PSR)
- Payment Services Regulations 2017
- Electronic Money Regulations 2011
- Financial Services (Banking Reform) Act 2013
