Sectors: Professional Services


Ramparts is a specialised law firm based in Gibraltar and the UK that excels at providing bespoke corporate support for multi-national companies in the financial services (e-money, finance and funds), electronic commerce (including payments and gaming) and technology sectors. We also offer company management and secretarial services through our licensed fiduciary company.


Peter Howitt, Director & Solicitor

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In 2012 Peter founded Ramparts European Law Firm, based in Gibraltar which is a world leading jurisdiction for the online gambling sector and is also a growing EU finance centre. Ramparts provides bespoke support for multi-national companies in the financial services (e-money and payments, finance and funds), electronic commerce (including e-gambling) and technology sectors. Peter and his team are specialised in English, Gibraltar and EU law, and assist clients worldwide with their European commercial matters and regulatory issues.

Peter is the CEO of the Gibraltar Betting and Gaming Association (GBGA), where he co-ordinates the industry on a wide range of issues including regulatory, political and public relations matters. Peter has recently been involved in challenging the UK on the Point of Consumption licensing and tax regime on behalf of GBGA. Peter is also the co-founder and Secretary of the Gibraltar E-Money Association (GEMA), which focuses on promoting the common interests of locally authorised European payment service providers. Peter is also Member of the London Technology Advocates FinTech Working Group, the International Masters of Gaming Law, European Crowdfunding Network, and the UK Digital Currency Association.

At the Legal Briefing PSD2 Impact Assessment
Peter’s topics

– Opportunities and issues for companies that provide financial overview information linked to payment accounts (such as moneydashboard)

– Opportunities and issues for companies wishing to intermediate direct payments between bank/payment accounts

– Authentication and liability concerns re the above inc readiness/willingness of banks to deal with the newly recognised intermediaries. We will also tie in the new PSR who will take an interest in how these players can access the market and deal with banks.

– Issues with doing business across borders.