Charles Hosmer
Senior Adviser - Payments & Digital AssetsA former senior regulator with unparalleled insight into how the FCA and HM Treasury approach stablecoin, payments and digital assets policy - and how to engage with them at the moments that matter.
Background
Charles was until recently the FCA's Subject Matter Expert for Stablecoin Payments and Legislation, and served as Consultation Partner for HM Treasury on the regulatory frameworks shaping the UK's approach to digital assets and payments. This gives him direct, first-hand knowledge of how regulatory policy is formed, what evidence policymakers find persuasive, and where the pressure points in the consultation and implementation process lie.
Having worked at the centre of the FCA's approach to cryptoassets, stablecoins and agentic commerce, Charles brings a depth of regulatory understanding to Red Rose Associates that is genuinely rare in the advisory market.
Advisory focus
Charles advises fintech, payments and digital assets firms on regulatory engagement strategy, helping clients navigate the FCA, HM Treasury and Bank of England at critical moments in the policy cycle. His expertise is particularly valuable during consultation periods, where the framing of a firm's evidence and the timing of its engagement can materially influence the outcome.
He works closely with the Red Rose fintech and digital assets practice to provide clients with a combination of political access and genuine regulatory expertise that few other advisers can match.