Financial institutions: David has provided panel legal services to major financial institutions for many years, including:
developing suites of standard bank documentation, including for National Credit Code compliant lending, trade finance, payment and commercial banking products;
advising on contracts and legal issues (including fraud risk allocation) for the migration of corporate and retail customers to internet service delivery platforms;
providing regulatory advice and drafting submissions to regulators, including on consumer credit, Code of Banking Practice, privacy, AML, unfair contract terms and other ASIC Act regulation, EFT Code (ePayments Code) and Corporations Act Chapter 7 issues; and
documenting syndicated and bilateral loan and security arrangements, as well as workouts and restructures.
Government services: David has advised Commonwealth and State governments on several ground-breaking projects raising risk allocation, privacy and other issues in the use of emerging technologies (for example, electronic identity authentication solutions such as public key cryptography and biometrics). Those projects cover diverse areas including electronic health records and prescriptions, electronic conveyancing, "whole of government" electronic identifiers and "single window" interfaces for businesses and individuals to transact with government.
Corporate clients: David has advised Australian and multinational corporate clients on numerous issues, including:
- Federal, State and Territory privacy, spam and Do Not Call legislation and other regulation, including in relation to health records, credit reporting, privacy data breach notification, call centre procedures and outsourcing, business acquisitions and divestments, employee drug and alcohol testing, workplace surveillance and trans-border data flow;
- Australian consumer law requirements, including unfair contract terms and door-to-door sales regulation;
- corporate borrowing in syndicated and bilateral secured and unsecured loan arrangements;
- personal property securities (PPS) compliance measures for sellers and lessors of goods and other corporate clients impacted by PPS laws; and
- e-business and IT issues.
