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José Luis Lorente Howell

Partner Spain

About Me

I am a partner and head in Bird & Bird's Finance & Financial Regulation department in the Madrid office.

As head of the Finance & Financial Regulation team in our Madrid office and a member of the international Finance & Financial Regulation Group, I advise domestic and international investors and banks on transactions and regulatory requirements.

My experience covers acquisition finance, corporate facilities, project and asset finance, syndicated facilities, banking and financial regulatory dispute resolution, corporate restructurings, insolvency and distressed debt transactions.

As well as transactional work, I specialise in banking, financial and insurance regulation and provide advice to national and foreign banks and other regulated entities. I advise on financial regulatory matters, including payment services regulation, electronic banking and virtual financial services, compliance standards and procedures before Spanish authorities. These include the Spanish Central Bank, the Spanish Securities and Exchange Commission (CNMV) and the General Directorate of Insurance and Pensions (DGS).

In addition, I've in-depth experience in derivatives and other sophisticated financial products. My particular focus is on the negotiation, restructuring and cancellation of OTC derivatives structured products under ISDA and other conventions such as CMOF in Spain.

As the main contact in our Madrid aviation team I deal regularly with transactional, regulatory and commercial matters in the aviation and defence sector. I advise domestic and foreign players on aircraft financing, purchases and operating agreements.

I hold double Spanish and US citizenship and I am recognised by Legal 500 and Best Lawyers in Spain for the 2019 edition in the practice area of Insolvency and Reorganisation law.


  • Degree in Law, Universidad Complutense de Madrid – CEU San Pablo.
  • Associate's Degree, majoring in business law, Universidad Complutense de Madrid – CEU San Pablo.


  • Member of the Madrid Bar (Ilustre Colegio de Abogados de Madrid) since March 2005

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