Craig Hine

Clayton Utz
Partner Sydney

Craig provides excellent and comprehensive advice within a reasonable budget

– Major Australian Bank


Craig is an accomplished retail financial services lawyer with specialist expertise in consumer credit, banking, insurance, payments and other financial products. He regularly advises on a broad range of issues including regulatory compliance breaches, investigations and remediations, licensing, distribution, privacy and AML/CTF.

Notable Work
  • Acted for major Australian banks, insurers, non-bank lenders, product distributors and other licensees in regulatory investigations, enforcement actions or other engagement with ASIC, APRA, AUSTRAC, OAIC and other regulators, including for a major Australian bank in relation to ASIC investigations for credit cards, interest only home loans and auto finance.
  • Acted for a major Australian bank, international bank, non-bank lenders and others in relation to significant regulatory change and uplift programs, including in relation to product design and distribution, responsible lending, anti-hawking and unfair contract terms.
  • Acted for a leading global technology company and various payment service providers to advise on payment system regulation, distribution arrangements and financial services licensing and regulation.
  • Acted on regulatory and risk allocation aspects of corporate transactions for various Australian banks, insurers, financial services intermediaries and others.
  • Acted for multiple reporting entities in relation to AUSTRAC investigations or enforcement actions or to advise on or assist with the development of AML/CTF programs and AUSTRAC engagement.
  • Acted for a major Australian bank responding to the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry.
  • Acted for insurers, banks, non-bank lenders, BNPL product issuers and AFSL/ACL holders in developing and launching new products, establishing and advising on product distribution arrangements and licensing or regulatory relief applications.
  • Acted for major and other Australian banks, non-bank lenders and insurers to advise on a broad range of regulatory compliance matters arising under the National Consumer Credit Protection Act and Chapter 7 of the Corporations Act, including conducting deep-dive system and process compliance reviews.
  • Acted for major Australian bank and insurers to advise on prudential regulatory matters and in relation to APRA engagement.
  •  Acted for Australian and international insurers and reinsurers in relation to various reinsurance and retrocession transactions.
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