Fintech Regulations
As the Baltic countries cement the reputation as a fintech hotspot, businesses face the dual challenge of regulatory compliance and constant innovation. We guide fintechs through every stage of their growth - from concept to licensing to launch - across services like payments, e-money, crowdfunding, investment, and credit.
Our fintech work is recognised by Legal 500 and Chambers Fintech, reflecting our trusted position in the industry.
Backed by our interdisciplinary collaboration with Corporate, M&A, Tax, IP & IT, and Regulatory teams, we offer holistic guidance that supports innovation and secures compliance. From structuring investment to engaging with regulators and shaping policy through active involvement in key fintech associations, we help clients lead, not follow.
Areas of expertise
Product Development
Analysis of the idea, if and which authorisation is required, and how to ensure compliance, and other legal aspects to consider.Standard Documentation
Drafting terms and conditions, internal procedures.Licensing
Preparing the necessary documents and assisting with proceedings.Ongoing Assistance
Changes to the service and communication with the regulator.
Experts in this field
- All
- Estonia
- Latvia
- Lithuania
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Dalia AugaitėLithuania -
Inese HazenfusaLatvia -
Karolina LapinskaitėLithuania -
Kirsti PentEstonia -
Marius BrasiūnasLithuania -
Priit LättEstonia -
Žygimantas StankevičiusLithuania -
Evelina Tumakova-KuzmičLithuania -
Mantas GofmanasLithuania -
Rasa BlinstrubienėLithuania -
Sebastian OkinczycLithuania -
Lina MileškevičienėLithuania -
Karl KullEstonia -
Rūdolfs VilsonsLatvia -
Harijs LielvārdsLatvia -
Ilga VaļkoLatvia -
Kaspars TreilibsLatvia -
Margarita IvanovaLatvia -
Mārtiņš GalzonsLatvia -
Olger KaelepEstonia -
Karīna Narņicka – ČumakovaLatvia -
Paulius BaronasLithuania -
Rainer Urmas MaineEstonia -
Elīna Estere StrautiņaRiga
No experts match selected filter.
Deals & cases
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08.01.2026 | LithuaniaZilch to acquire AB Fjord Bank
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20.10.2025 | LatviaEleving Group public bond issuance and funds allocation
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23.04.2024 | LithuaniaAdvised Röntgen Asset Management (UAB Ketvirta Diena) on obtaining permission to operate as a management company of collective investment undertakings for informed investors
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15.07.2020 | LithuaniaTGS Baltic represented Opera Limited in the acquisition of Fjord Bank
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04.01.2018 | Latvia, LithuaniaTGS Baltic advised the Ministry of Economics on acquisition of 16,05% of the shares of AS Conexus Baltic Grid from SIA ITERA Latvija
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29.12.2017 | LatviaTGS Baltic advised the Ministry of Economics on the acquisition of 18.31% of the shares of AS Conexus Baltic Grid from Uniper Ruhrgas International GmbH
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28.08.2017 | Estonia, Latvia, LithuaniaTEGOS assisted Clear Channel International BV with organising of the due diligence process of Clear Channel subsidiaries in Latvia, Estonia and Lithuania
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11.06.2010 | EstoniaAdvising Luminor as a creditor in a bankruptcy proceeding
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News
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28.05.2026 | Estonia, Latvia, LithuaniaA historic achievement across the Baltics: triple win at CEE Legal Matters Deal of the Year awards
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27.04.2026 | Estonia, Latvia, LithuaniaTEGOS | FinTech Lab: application closed
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10.04.2026 | LithuaniaBanking & Finance sector overview | March edition
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