Experience:
Francesc Cholvi is a lawyer in Garrigues’ Corporate/Commercial Law Department. He specializes in Financial Regulatory Law.
Among other fields, he focuses his professional practice on financial and banking regulation, consumer finance, distance financial services, collective investment undertakings, pension funds, investment services, private equity, payment services, electronic money as well as all the regulatory aspects relating to financial products and anti-money laundering, having worked on projects for myriad Spanish financial institutions and foreign financial institutions that operate in Spain.
He has actively participated in various clearance and compliance processes for institutions before the Bank of Spain, the CNMV, the Directorate-General of Insurance and Pension Funds and the SEPBLAC. He has also advised on merger and acquisition processes involving regulated institutions subject to oversight by these supervisory authorities.
He has also acted in the defense of regulated institutions in the context of enforcement/penalty proceedings conducted before the Bank of Spain and the CNMV.
He holds the office of secretary and deputy secretary of various institutions subject to oversight.
He is an adviser to the “Manuel Benedito” Foundation and the “Public Interest Oversight Board” (PIOB) Foundation.
He is a member of the Madrid Bar Association.
Academic background:
Degree in Law and Business Administration, Universitat de València (2008-2014). End of Degree Prize for outstanding achievement in Law Degree.
Stay at Universidad de Salamanca with the SICUE-SENECA mobility program (September 2012-June 2013).
Master’s Degree in Business Law Practice, Centro de Estudios Garrigues (October 2014- June 2015).
Executive course in Fintech: digital technologies, transformation and disruption in the financial industry at Centro de Estudios Garrigues (2019).
Publications:
− PALAU RAMÍREZ, F., VICIANO PASTOR, J., Treaty on Late Payment (*), publisher Aranzadi Civitas, 2012 (Chapters 2,7 and 10).
− CHOLVI ROIG, F., MESTRE GINER, B., “Law on Foundations: Aspects relating to Endowments” (*), in Instituto de Derecho Iberoamericano (www.idibe.com), July 2014.
− CHOLVI ROIG, F., “Outline of the new Preliminary Foundations Bill: progress and controversial aspects” (*), in Instituto de Derecho Iberoamericano (www.idibe.com), September 2014.
− CHOLVI ROIG, F., Cuadernos Fintech Garrigues, “Payment initiation and account aggregation, a ‘before’ and ‘after’ in the regulations on methods of payment” (*), June 2020, and “Exceptions to PSD2: limited network and low level of activity” (*), October 2020.
(*) Originally published in Spanish. See Spanish CV for more information.