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Alfaro, Ferrer & Ramírez

Work +507 263 9355
Panama, Tortola


Banking and finance
Banking and finance - ranked: tier 2

Alfaro, Ferrer & Ramírez

Well-established domestic powerhouse Alfaro, Ferrer & Ramírez fields a banking and insurance department, that is jointly led by Alfredo Ramírez and Luis López Alfaro and which advises on day-to-day banking matters, loan agreements, project finance, securities and regulatory law. Roberto Harrington is another key figure in a department that saw associate María Cargiulo, who is particularly experienced in matters related to securities and public offerings, promoted to partnership as of January 2018.

Next generation lawyers

María Cargiulo - Alfaro, Ferrer & Ramírez

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Corporate and M&A
Corporate and M&A - ranked: tier 2

Alfaro, Ferrer & Ramírez

Demonstrating real prowess in both corporate work and transactional matters, Alfaro, Ferrer & Ramírez’s corporate department provides a genuinely broad service offering, including advice on joint ventures, asset acquisition, mergers, the formation and organisation of companies, shareholders agreements and day-to-day corporate matters. Luis López Alfaro heads the practice group in which Alfredo Ramírez and Rodrigo Moreno are also highly active. Alejandro Alemán and Roberto Harrington are other key figures in the department.

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Intellectual property
Intellectual property - ranked: tier 2

Alfaro, Ferrer & Ramírez

The IP practice at Alfaro, Ferrer & Ramírez stands out across the full array of sector-related work, including the registration, prosecution and enforcement of trade marks, copyrights, patents, utility models and designs, as well as advice on unfair competition matters related to advertising and product packaging. Marissa Lasso de la Vega, Rodrigo Moreno and Monique Ferrer form the core team.

Next generation lawyers

Monique Ferrer - Alfaro, Ferrer & Ramírez

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Further information on Alfaro, Ferrer & Ramírez

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  • Korean Financial Regulators Advance Legislation to Introduce Regulatory Sandbox to Spark FinTech

    The 2018 year in review in Korea was notable for the sluggish overall economy, uncertainty surrounding the geo-politics and impact on Korea due to the global trade wars, on-going concerns related to the lack of jobs and unemployment, increased taxes and burdens for businesses and families, and no meaningful improvement or clarity in the current situation for 2019. In response, the Korean National Assembly passed a legislation called the Financial Innovation Support Act (the “FinISA”) on December 7, 2018 to spark the financial services industry in conjunction with FinTech products and services. The FinISA, which will soon take effect in March 2019, is intended to lay the legal foundation to introduce a regulatory sandbox for innovative financial services, where FinTech firms test their new products and services without certain regulatory oversight pursuant to exemptions for a limited period of time (“Sandbox”). As the FinISA exempts or defers application of existing finance-related regulations for new financial technology, products or services with the purpose of fostering the creation of innovative and new financial products and services, it will also support the stabilization of such services in the financial services market at the end of the testing period and is expected that the FinISA will support a revitalization of the FinTech industry which experienced sluggish growth in recent times. In particular, as companies and investors become more interested in security tokens and Security Token Offerings (“STO”) which are regulated by the Financial Investment Services and Capital Markets Act (the “FSCMA”), there have been on-going discussions and debates as to whether the FinISA could lead to a breakthrough in the crypto-asset industry based on blockchain technology. Crypto assets encompasses those assets which utilize blockchain technology where the asset is digitalized by utilization of cryptography, peer-to-peer networks and a public ledger of verified transactions resulting in a ‘units’ of such a crypto asset without any involvement by middle-persons or brokers (e.g., cryptocurrency.

    The sacking of Nissan’s high-profile chairman may have beenproof that nobody is infallible. But Nicola Sharp argues that it should also beseen as an indicator that no company can be considered safe from wrongdoing.
  • 2018 FCPA Enforcement Actions and Highlights

    Overall, 2018 was a more active year in terms of Foreign Corrupt Practices Act ("FCPA") enforcement actions compared to 2017.
  • Legality of advertising with statements on the effects of medical treatments

    Advertisements featuring statements on the effects of medical treatments are only permissible if they are supported by sound scientific evidence. This was reaffirmed by the Oberlandesgericht (OLG) Frankfurt, the Higher Regional Court of Frankfurt.
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  • ECJ – Distinctive character necessary for registration as EU trade mark

    For a sign to be capable of being registered as an EU trade mark, it must be distinctive across the entire European Union. This was confirmed by the Court of Justice of European Union (ECJ) in a ruling from 25 July 2018.
  • Supporting local and international charitable organizations

    As one of the leading law firms in Cyprus, we are active promoters and supporters of local economic growth by sponsoring local events, applying environmental-friendly practices, minimizing our ecological impact, and most importantly, by raising money for local charities and non-profit organizations.
  • BAG – Employers can claw back bonus payments

    The Bundesarbeitsgericht (BAG), Germany’s Federal Labour Court, confirmed in a recent ruling that employers can claw back collectively agreed bonus payments from employees under certain circumstances.
  • Stricter supervision in relation to the Scheme for Naturalisation of Investors in Cyprus by Exceptio

    Recently there were a lot of publications within the European Union expressing concerns about the allegedly very high number of Cypriot passports being given to foreign investors the last few years. The Council of Ministers has decided on 9th January 2018 with the decision with number 84.069, to impose a stricter supervision of all the parties involved in the Scheme for the naturalisation of non-Cypriot investors in Cyprus by exception.
  • 19% VAT on Plots

    In order to harmonize the  Acquis Communautaire on the Taxation of untapped and undeveloped plots of land, the Cyprus Government enacted, on 03/11/2017, relevant legislation for the imposition of 19% Value Added Tax (VAT) on these properties, with a date of enforcement being 02/01/2018. The relevant legislation refers to plots/pieces of land offered and/or provided for construction for economic purposes.