Overview
In the context of Vietnam’s tightly regulated banking and financial sector, alongside rapid digital transformation, regulatory compliance and effective risk management remain the foundation for all financial transactions, innovation, and sustainable growth. Nhat Nam Law LLC combines in-depth expertise in traditional banking and financial regulation with a flexible, forward-looking legal approach to fintech. We advise financial institutions, banks, and fintech companies on structuring compliant and transparent transactions in accordance with regulations of the State Bank of Vietnam, while enhancing commercial efficiency and operational scalability.
Scope of services
Our Financial Services, Banking and Fintech Services include:
Banking Compliance and Credit Operations
- Advising on capital structuring, corporate lending products, bank guarantees, and project finance transactions;
- Developing and reviewing internal compliance frameworks in line with anti-money laundering (AML) regulations and electronic know-your-customer (e-KYC) requirements;
- Advising on regulatory matters relating to ownership limits, credit exposure limits, internal governance, and risk management under the Law on Credit Institutions and its implementing regulations.
Fintech Solutions and Digital Payments
- Assisting with licensing procedures for payment intermediaries and e-wallet services, and advising on participation in regulatory sandbox mechanisms for innovative financial solutions;
- Advising on legal and regulatory issues relating to fintech business models, including peer-to-peer (P2P) lending, buy-now-pay-later (BNPL), payment platforms, and blockchain-based financial solutions, to the extent permitted under applicable law;
- Conducting legal risk assessments, advising on business model structuring, and developing compliance strategies within an evolving regulatory framework.
Financial Restructuring and M&A
- Advising on debt trading, non-performing loan (NPL) transactions, loan restructuring, and the enforcement and recovery of secured assets;
- Conducting legal due diligence for M&A transactions and strategic investments involving banks, financial institutions, and fintech companies;
- Structuring transactions to ensure compliance with regulations on investment, ownership, and financial risk management.
Financial Data Protection and Consumer Protection
- Advising on compliance with legal requirements relating to customer confidentiality and personal data protection in the banking and financial services sector;
- Drafting and reviewing terms of use, consumer protection policies, and general transaction conditions for financial platforms and digital services;
- Assisting with the handling of legal issues, complaints, and disputes arising from data protection incidents or consumer rights claims.
Key contacts
How can we help?
Contact our team to discuss your legal needs in Vietnam.