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Daniel Hirschfield - Taylor Wessing
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12.3228C11.6369 12.3782 12.2333 11.919 12.4998 11.2823L12.5298 11.2105C12.8713 10.3947 12.5635 9.45094 11.8077 8.9916C11.2183 8.63333 10.474 8.64651 9.89823 9.02642C9.1913 9.49286 8.25381 9.39778 7.65492 8.79889L7.50176 8.64573L6.15887 9.98861ZM3.82151 5.19679C3.92354 6.45863 4.42689 8.25836 6.15759 9.98907L7.50048 8.64618L7.34511 8.49081C6.74623 7.89193 6.65114 6.95444 7.11759 6.2475C7.49749 5.67173 7.51068 4.92748 7.1524 4.338C6.69306 3.58222 5.74931 3.27447 4.93346 3.61593L4.86169 3.64597C4.22498 3.91245 3.76588 4.50881 3.82151 5.19679Z" fill="white" /> </g> <defs> <clipPath id="clip0_4523_6078"> <rect width="16" height="16" fill="white" /> </clipPath> </defs> </svg> </a> </div> </div> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"Person","name":"Daniel Hirschfield","image":{"@type":"ImageObject","url":"https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/profiles/uk/hirschfield-daniel-wit.png?as=0\u0026dmc=0\u0026iar=0\u0026thn=0\u0026udi=0?as=1\u0026h=456\u0026iar=1\u0026w=463\u0026crop=1\u0026hash=505D63608017CC7A689D7757A32E5636","caption":"Daniel Hirschfield"},"sameAs":"https://www.taylorwessing.com/en/people/united-kingdom/london/daniel-hirschfield","url":"https://www.taylorwessing.com/en/people/united-kingdom/london/daniel-hirschfield","jobTitle":"Senior Counsel – Knowledge","worksFor":{"@type":"Organization","name":"Taylor Wessing","url":"https://www.taylorwessing.com","logo":{"@type":"ImageObject","url":"https://www.taylorwessing.com/-/media/taylor-wessing/images/identity/logo.svg?as=0\u0026dmc=0\u0026iar=0\u0026thn=0\u0026udi=0","caption":"Taylor Wessing Company Logo"}}} </script> </div> <div class="page-navigation__additional-content"> </div> <div class="page-navigation__anchor-group"> <div class="page-navigation__anchor-navigation"> <button class="page-navigation__anchor-title"> On this page <i class="fa-solid fa-chevron-down page-navigation__anchor-icon"></i> </button> <ul class="page-navigation__anchor-list" hidden> </ul> </div> <div class="page-navigation__share-content"> </div> </div> </div> </div> <div class="page-navigation__content"> <div data-anchor-title="About" class="section anchor-group__content--section section--content page-navigation-section aos-init aos-animate"> <div class="section overview" data-aos="fade-up" data-aos-duration="1000"> <div class="overview__inner container"> <div class="overview__body" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="150"> <div class="section section--rich-text " data-collapse-threshold="50" data-aos="fade-up" data-aos-duration="1000"> <div class="container"> <div class="content--body"> <p class="primary">Daniel is a senior counsel - knowledge in our Financial Services Regulatory Group. </p> <p> He is responsible for the firm's financial services know-how and training requirements, which include assisting colleagues with ad hoc queries, maintaining core know-how, horizon scanning, producing thought leadership content, preparing technical briefings for clients, delivering training to clients and colleagues, engaging with trade bodies and policymakers, speaking at client events such as seminars and webinars, and designing knowledge initiatives to support regulatory change projects. </p> <p>He has specialised in financial services law and regulation since 2008 and has significant experience advising businesses in the investment, banking, insurance and payments sectors on UK and EU regulatory requirements, as well as advising non-financial institutions on how regulation may impact their activities. In addition to spending time on secondment to a global financial institution, Daniel has worked at the regulator, where he gained practical insights into the implementation of policy proposals.</p> <p>Daniel is a core member of the firm's digital assets and Environmental, Social and Governance (ESG) groups and delivers the Investment Association's introductory ESG and TCFD training programmes. </p> <p>Daniel participated in Session 3 of the PRA and FCA's Climate Financial Risk Forum through membership of the Disclosure, Data and Metrics and Transition to Net-Zero Working Groups. He is also a founding member of the ESG City Knowledge Forum.</p> </div> </div> </div> </div> <div class="overview__sidebar " data-aos="fade-up" data-aos-duration="1000" data-aos-delay="300"> <div class="tag-set" data-aos="fade-up" data-aos-duration="1000"> <h2 class="tag-set__title">Expertise</h2> <div class="tag-set__block"> <h3 class="tag-set__block-heading"> Services and Groups </h3> <div class="tag-set__block-content"> <div class="tag-set__block-content-item" > <a href="/en/expertise/services/banking-and-finance" class="tag-set__link" >Banking & finance </a> </div> <div class="tag-set__block-content-item" > <a href="/en/expertise/services/esg" class="tag-set__link" >Environmental, social & governance (ESG)</a> </div> <div class="tag-set__block-content-item" > <a href="/en/expertise/services/artificial-intelligence" class="tag-set__link" >Artificial intelligence</a> </div> <div class="tag-set__block-content-item" hidden> <a href="/en/expertise/services/banking-and-finance/financial-services-regulatory" class="tag-set__link" title="Financial services regulatory" >Financial services regulatory</a> </div> <div class="tag-set__block-content-item" hidden> <a href="/en/expertise/services/esg/sustainable-finance-and-investment" class="tag-set__link" >Sustainable finance and investment</a> </div> <button type="button" class="btn btn--expand tag-set__show-more"> <span class="closed">Show more</span> <span class="open">Show less</span> </button> </div> </div> <div class="tag-set__block"> <h3 class="tag-set__block-heading"> Sectors </h3> <div class="tag-set__block-content"> <div class="tag-set__block-content-item" > <a href="/en/expertise/sectors/financial-institutions" class="tag-set__link" title="Financial institutions" >Financial institutions & insurance</a> </div> <div class="tag-set__block-content-item" > <a href="/en/expertise/sectors/technology-media-and-communications" class="tag-set__link" title="Technology. media and communications" >Technology, media & communications</a> </div> <div class="tag-set__block-content-item" > <a href="/en/expertise/sectors/technology-media-and-communications/fintech" class="tag-set__link" title="Fintech" >Fintech</a> </div> <div class="tag-set__block-content-item" hidden> <a href="/en/expertise/sectors/technology-media-and-communications/cryptoassets-blockchain-and-distributed-ledger-technology" class="tag-set__link" >Cryptoassets, blockchain and distributed ledger technology</a> </div> <div class="tag-set__block-content-item" hidden> <span class="tag-set__link tag-set__link--disabled">Machine learning</span> </div> <button type="button" class="btn btn--expand tag-set__show-more"> <span class="closed">Show more</span> <span class="open">Show less</span> </button> </div> </div> </div> </div> <div class="overview__additional" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="300"> </div> </div> </div> </div> <div data-anchor-title="CV" class="section anchor-group__content--section section--content page-navigation-section aos-init aos-animate"> <div class="profile-expandable-cv" data-aos="fade-up" data-aos-duration="1000"> <h2 class="profile-expandable-cv__title"> CV </h2> <div class="profile-expandable-cv__content"> <div class="profile-expandable-cv__column-1"> <div class="profile-expandable-cv__mobile-tabs"> <div class="profile-expandable-cv__mobile-tabs-button-list"> <button type="button" data-tab="career" class="profile-expandable-cv__mobile-tabs-button-item profile-expandable-cv__mobile-tabs-button-item--active"> Career </button> <button type="button" data-tab="qualifications" class="profile-expandable-cv__mobile-tabs-button-item"> Education </button> </div> <div data-tab="career" class="profile-expandable-cv__mobile-tab"> <div class="profile-expandable-cv__block"> <div class="profile-expandable-cv__block-list"> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> Since 2023 </span> <span class="profile-expandable-cv__block-item-value"> Senior Counsel - Knowledge, Taylor Wessing </span> </div> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2019 - 2023 </span> <span class="profile-expandable-cv__block-item-value"> Senior Professional Support Lawyer, Taylor Wessing </span> </div> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2017 - 2019 </span> <span class="profile-expandable-cv__block-item-value"> Senior Associate, King & Spalding </span> </div> <div class="profile-expandable-cv__block-item" hidden> <span class="profile-expandable-cv__block-item-key"> 2015 - 2016 </span> <span class="profile-expandable-cv__block-item-value"> Senior Associate, Financial Conduct Authority </span> </div> <div class="profile-expandable-cv__block-item" hidden> <span class="profile-expandable-cv__block-item-key"> 2011 - 2014 </span> <span class="profile-expandable-cv__block-item-value"> Senior Associate, Mayer Brown </span> </div> <div class="profile-expandable-cv__block-item" hidden> <span class="profile-expandable-cv__block-item-key"> 2008 - 2011 </span> <span class="profile-expandable-cv__block-item-value"> Associate, SJ Berwin </span> </div> <button type="button" class="btn btn--expand profile-expandable-cv__block-show-more"> <span class="closed"> More </span> <span class="open"> Show less </span> </button> </div> </div> </div> <div data-tab="qualifications" class="profile-expandable-cv__mobile-tab" hidden> <div class="profile-expandable-cv__block"> <div class="profile-expandable-cv__block-list"> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2003 </span> <span class="profile-expandable-cv__block-item-value"> PGDL and LPC, BPP Law School </span> </div> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2001 </span> <span class="profile-expandable-cv__block-item-value"> BA Hons Oriental Studies, Oxford University </span> </div> </div> </div> </div> </div> <div class="profile-expandable-cv__desktop-tabs"> <div class="profile-expandable-cv__block"> <h3 class="profile-expandable-cv__block-heading"> Career </h3> <div class="profile-expandable-cv__block-list"> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> Since 2023 </span> <span class="profile-expandable-cv__block-item-value"> Senior Counsel - Knowledge, Taylor Wessing </span> </div> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2019 - 2023 </span> <span class="profile-expandable-cv__block-item-value"> Senior Professional Support Lawyer, Taylor Wessing </span> </div> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2017 - 2019 </span> <span class="profile-expandable-cv__block-item-value"> Senior Associate, King & Spalding </span> </div> <div class="profile-expandable-cv__block-item" hidden> <span class="profile-expandable-cv__block-item-key"> 2015 - 2016 </span> <span class="profile-expandable-cv__block-item-value"> Senior Associate, Financial Conduct Authority </span> </div> <div class="profile-expandable-cv__block-item" hidden> <span class="profile-expandable-cv__block-item-key"> 2011 - 2014 </span> <span class="profile-expandable-cv__block-item-value"> Senior Associate, Mayer Brown </span> </div> <div class="profile-expandable-cv__block-item" hidden> <span class="profile-expandable-cv__block-item-key"> 2008 - 2011 </span> <span class="profile-expandable-cv__block-item-value"> Associate, SJ Berwin </span> </div> <button type="button" class="btn btn--expand profile-expandable-cv__block-show-more"> <span class="closed"> More </span> <span class="open"> Show less </span> </button> </div> </div> <div class="profile-expandable-cv__block"> <h3 class="profile-expandable-cv__block-heading"> Education </h3> <div class="profile-expandable-cv__block-list"> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2003 </span> <span class="profile-expandable-cv__block-item-value"> PGDL and LPC, BPP Law School </span> </div> <div class="profile-expandable-cv__block-item" > <span class="profile-expandable-cv__block-item-key"> 2001 </span> <span class="profile-expandable-cv__block-item-value"> BA Hons Oriental Studies, Oxford University </span> </div> </div> </div> </div> </div> <div class="profile-expandable-cv__column-2"> <div class="profile-expandable-cv__card"> <h3 class="profile-expandable-cv__card-heading"> Memberships & Associations </h3> <div class="profile-expandable-cv__card-text"> <p>Eurocrowd professional member</p> <p class="tertiary">Financial Services Lawyers Association</p> <p class="tertiary">Financial Services PSL Working Group</p> <p class="tertiary">ESG City Knowledge Forum</p> <p class="tertiary">CryptoUK Regulation Working Group</p> </div> <button hidden class="btn btn--expand profile-expandable-cv__card-expand" type="button"> <span class="closed"> More </span> <span class="open"> Show less </span> </button> </div> <div class="profile-expandable-cv__card"> <h3 class="profile-expandable-cv__card-heading"> Additional languages </h3> <div class="profile-expandable-cv__card-language-list"> <span class="profile-expandable-cv__card-language-item"> English </span> </div> </div> </div> </div> </div> </div> <div data-anchor-title="Achievements" class="section anchor-group__content--section section--content page-navigation-section aos-init aos-animate"> </div> <div data-anchor-title="Insights" class="section anchor-group__content--section section--content page-navigation-section aos-init aos-animate"> <div class="profile-news-and-insights"> <div class="profile-news-and-insights__container"> <div class="profile-news-and-insights__intro" data-aos="fade-up" data-aos-duration="1000"> <h2 class="profile-news-and-insights__intro-title"> Daniel's news & insights </h2> <div class="profile-news-and-insights__intro-callout aos-init aos-animate" data-aos="fade-up" data-aos-duration="1000"> <a href="https://www.taylorwessing.com/en/insights-and-events?authors=6c242215-7a1d-49b6-bace-f255832a987d" title="View Daniel's insights" class="btn btn--secondary" alt="View Daniel's insights"> View Daniel's insights </a> </div> </div> <div class="insights--item__content profile-news-and-insights__main-article" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="150"> <div class="insights--item__image profile-news-and-insights__main-article-image" data-aos="fade-up" data-aos-duration="1000"> <picture> <source srcset="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-605197598_textured-facade.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&iar=0&mh=317&mw=563&hash=6A4737E683763076D86E44DB663B7D33" media="(min-width: 992px)"> <source srcset="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-605197598_textured-facade.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&iar=0&mh=435&mw=774&hash=F288E76B65047018D295185FDC4B68BB" media="(min-width: 640px)"> <img src="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-605197598_textured-facade.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&iar=0&mh=206&mw=366&hash=82E44E564631BB0609CAC52CDDC518B5" alt="Textured facade" loading="lazy" /> </picture> </div> <a href="/en/insights-and-events/insights/2024/11/radar-buy-now-pay-later-offerings-to-be-regulated-by-fca" class="profile-news-and-insights__main-article-link"> Click here to find out more </a> <div class="profile-news-and-insights__main-article-content"> <span class="profile-news-and-insights__main-article-tag"> Technology, media & communications </span> <h3 class="profile-news-and-insights__main-article-title"> Buy Now Pay Later offerings to be regulated by FCA </h3> <div class="profile-news-and-insights__main-article-time"> 21 November 2024 </div> <p class="profile-news-and-insights__main-article-authors">by <a class="" href="/en/people/united-kingdom/london/debbie-heywood">Debbie Heywood</a> and <a class="" href="/en/people/united-kingdom/london/daniel-hirschfield">Daniel Hirschfield</a></p> </div> </div> <div class="profile-news-and-insights__side-article-list"> <div class="profile-news-and-insights__side-article-item"> <div class="item"> <div class="insights--item highlighted" data-aos="fade-up" data-aos-duration="1000"> <div class="insights--item__image" data-aos="fade-up" data-aos-duration="1000"> <picture> <source srcset="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/sectors/automotive/gi-rbv2_53_a-black-sports-car-hood-showing-a-grill-and-headlight.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=297&iar=0&w=528&crop=1&hash=15FB4ACD2662C667864A1409CAD0C528" media="(min-width: 992px)"> <source srcset="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/sectors/automotive/gi-rbv2_53_a-black-sports-car-hood-showing-a-grill-and-headlight.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=527&iar=0&w=938&crop=1&hash=3D001F6B2A91018135846B0D581A8006" media="(min-width: 382px)"> <img src="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/sectors/automotive/gi-rbv2_53_a-black-sports-car-hood-showing-a-grill-and-headlight.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=182&iar=0&w=375&crop=1&hash=4EAB9953BE7322CB8F521FBD8086BE21" alt="Glass.Mapper.Sc.Fields.Image?.Alt" loading="lazy"/> </picture> </div> <div class="insights--item__content" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="150"> <span class="tag insights--item__tag"> Financial services regulatory </span> <p class="h2 insights--item__title"> Neither a lender nor a broker be: Court of Appeal clamps down on insufficient disclosure of motor finance commissions </p> <div class="time insights--item__time"> 21 November 2024 </div> <div class="read insights--item__read"> Briefing </div> <p class="insights--item__authors">by <strong>multiple authors</strong></p> </div> <a class="insights--item__link" href="/en/insights-and-events/insights/2024/11/neither-a-lender-nor-a-broker-be"> Click here to find out more </a> </div> </div> </div> <div class="profile-news-and-insights__side-article-item"> <div class="item"> <div class="insights--item highlighted" data-aos="fade-up" data-aos-duration="1000"> <div class="insights--item__image" data-aos="fade-up" data-aos-duration="1000"> <picture> <source srcset="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-982589146_office-facade-reflection.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=297&iar=0&w=528&crop=1&hash=2524D07351C01D969BD6D75DC0042B9A" media="(min-width: 992px)"> <source srcset="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-982589146_office-facade-reflection.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=527&iar=0&w=938&crop=1&hash=D9D51F8520DDDE14076920DCE1E7211E" media="(min-width: 382px)"> <img src="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-982589146_office-facade-reflection.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=182&iar=0&w=375&crop=1&hash=317DD757A7D6C6F63ED0F6886D3EC1D7" alt="Glass.Mapper.Sc.Fields.Image?.Alt" loading="lazy"/> </picture> </div> <div class="insights--item__content" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="150"> <span class="tag insights--item__tag"> Financial services regulatory </span> <p class="h2 insights--item__title"> Financial services matters - November 2024 </p> <div class="time insights--item__time"> 7 November 2024 </div> <div class="read insights--item__read"> In-depth analysis </div> <p class="insights--item__authors">by <strong>multiple authors</strong></p> </div> <a class="insights--item__link" href="/en/insights-and-events/insights/2024/11/financial-services-matters---november-2024"> Click here to find out more </a> </div> </div> </div> </div> <div class="profile-news-and-insights__footer-callout aos-init aos-animate" data-aos="fade-up" data-aos-duration="1000"> <a href="https://www.taylorwessing.com/en/insights-and-events?authors=6c242215-7a1d-49b6-bace-f255832a987d" class="btn btn--secondary"> View Daniel's insights </a> </div> </div> </div> <div class="related-articles-carousel" data-aos="fade-up" data-aos-duration="1000"> <div class="related-articles-carousel__intro"> <h3 class="related-articles-carousel__intro-title"> Related news & insights </h3> <div class="related-articles-carousel__intro-controls"> <button type="button" class="related-articles-carousel__intro-controls-prev btn 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src="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/sectors/technology-media-and-communications/gi-1010852110_lights-on-network-server.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=206&iar=0&w=366&crop=1&hash=33125B8A9C72031B3DAEF6080CB840FB" alt="Lights on network server" loading="lazy" /> </picture> </div> <div class="related-articles-carousel__article-item-contents" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="150"> <span class="related-articles-carousel__article-item-tag"> Data & cyber </span> <h4 class="related-articles-carousel__article-item-title"> How to Navigate Compliance with the AI Act </h4> <div class="related-articles-carousel__article-item-time"> 21 November 2024 </div> <div class="related-articles-carousel__article-item-read"> Briefing </div> <p class="related-articles-carousel__article-item-authors">by <a class="related-articles-carousel__article-item-author" 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src="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-818362142_layers-of-contemporary-financial-skyscrapers.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=206&iar=0&w=366&crop=1&hash=22ED4EAC88F756F5B574DBBF7B2902EE" alt="Layers of contemporary financial skyscrapers" loading="lazy" /> </picture> </div> <div class="related-articles-carousel__article-item-contents" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="150"> <span class="related-articles-carousel__article-item-tag"> Banking & finance </span> <h4 class="related-articles-carousel__article-item-title"> Navigating risks in the UK and Dutch asset based lending markets: a comparative analysis </h4> <div class="related-articles-carousel__article-item-time"> 19 November 2024 </div> <div class="related-articles-carousel__article-item-read"> In-depth analysis </div> <p class="related-articles-carousel__article-item-authors">by 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srcset="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-622180504_working-on-tablet.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=527&iar=0&w=938&crop=1&hash=BEF45459D2B5F477285C5CD6DBA1A09B" media="(min-width: 640px)"> <img src="https://www.taylorwessing.com/-/media/taylor-wessing/images/search-result-thumbnails/insights-news-and-event/services/banking-and-finance/gi-622180504_working-on-tablet.jpg?as=0&dmc=0&iar=0&thn=0&udi=0?as=0&h=206&iar=0&w=366&crop=1&hash=624C44EFD17FFBE7A38DC4BA44F651E6" alt="Working on tablet" loading="lazy" /> </picture> </div> <div class="related-articles-carousel__article-item-contents" data-aos="fade-up" data-aos-duration="1000" data-aos-delay="150"> <span class="related-articles-carousel__article-item-tag"> Banking & finance </span> <h4 class="related-articles-carousel__article-item-title"> Navigating change: what lenders and borrowers need to know about the Property 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