Fernando Zunzunegui is an independent lawyer and consultant, specialized in Financial Law, recommended by Chambers & Partners “as leader in their field”; trustee of FinSalud Foundation. He has been Chairman of European Union’s financial services expert group FIN-USE. He has been advisor to the Ombudsman of Spain on financial regulation. He has also worked as international advisor, participating in projects for the Word Bank and Inter-American Development Bank. He is a Professor of Banking and Securities Law at the Universidad Carlos III of Madrid, with excellent evaluations. He holds a Ph.D. in Banking Law, a master in Company and Bankruptcy Law, and degrees in Law and Economics. Previously, he was the legal advisor of the Spanish Central Securities Depository (SCLV/Iberclear). He is the author of the reference book for professionals and students, Financial Market Law (Derecho del Mercado Financiero), and other books and articles on financial regulation. Furthermore, he is a member of the International Bar Association and a frequent contributor and columnist in the economic press in Spain.