Skip to content

Associated Partner*

Dr. Carsten Lösing

Dr. Carsten Lösing advises domestic and foreign banks, financial services institutions and capital management companies as well as companies in the real economy on financial regulatory issues. Here, a particular focus is on advising FinTech companies and the area of payment services supervisory law incl. e-money. Carsten also advises borrowers and lenders on various types of financing, in particular venture debt financing.

Education and Career

Carsten studied business administration at ESB Reutlingen (Reutlingen, Nancy and London) and law at Bucerius Law School, Hamburg and the University of Michigan, Ann Arbor. Prior to joining YPOG, he worked for 13 years at White & Case and was a management consultant for banks at zeb/ for 3.5 years.


Carstens recent work highlights include advising:

  • Regulatory advice to the acquirer of a minority shareholding in connection with the public takeover offer to the shareholders of Aareal Bank AG
  • Advising the shareholders in connection with the intra-group restructuring of the shareholdings in DZ-Bank
  • Advising a German state bank in connection with the acquisition of a credit card portfolio of a bank of an automobile manufacturer
  • Advised a major German bank in connection with its entry into an English payment system
  • Advised Kreditech in connection with its cooperation agreement with Naspers/PayU
  • Advised a major German bank in connection with the conclusion of a cooperation agreement with a global processing company
  • Numerous other international as well as national companies in ECB and BaFin proceedings, in particular authorisations, ownership control and fining proceedings
  • Banks and financial service providers in the negotiation of cooperation and outsourcing agreements
  • Numerous investors in connection with the acquisition of payment service providers
  • Various acquisition financings and structured financings

* not a partner within the meaning of the German Partnership Company Act (Partnerschaftsgesellschaftsgesetz – PartGG)


  • Attorney at Law
  • Dr. iur. (Bucerius Law School)
  • Dipl.-Betriebswirt (ESB Reutlingen)
  • B.A. (hons.) European Business Administration, Middlesex University London


  • German 
  • English
  • French
  • Regulation of e-money tokens - analysis and aualification within the regulatory context (in particular MiCA),
    BKR 2023, p. 373 (together with David John) [in German]
  • BaFin's security requirements for payment service providers,
    E-Finance & Payments Law & Policy, p. 3-5, July 2015
  • Payment Services Law, Practitioner's Handbook on innovative, card-, Internet-, and mobile payment services (Zahlungsdiensteaufsichtsrecht, Praxishandbuch für innovative Karten-, Internet- und mobile Zahlungsdienste),
    Beck 2015, (with Kai-Michael Hingst)
  • On licensing requirements of money remittance services pursuant to the German Payment Service Act (ZAG): Strict requirements for providers of internet services offering payment systems, an annotation to the judgment of the Regional Court of Cologne dated 29 September 2011,
    BKR, Issue 8, Pages 334-338, 2012, Co-author (with Kai-Michael Hingst)
  • Compensation of damages by non-quantifiable, asset-related effects (Die Kompensation des Vermögensnachteils durch nicht quantifizierbare, vermögenswirksame Effekte),
    Schriften zum Strafrecht, Vol. 233, Berlin, 2012, Ed. Duncker & Humblot
  • The new act implementing the second E-Money Directive (Das neue Gesetz zur Umsetzung der Zweiten E-Geld-Richtlinie),
    ZIP, Pages 1944-1949, 2011
Dr. Carsten Lösing

Direct message to Dr. Carsten Lösing