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Miss Holly Powley


Holly's primary research interests lie in banking law and banking regulation, with a focus on the structure and operation of banking regulation authorities. Holly holds an LLM in Commercial Law (Bristol), and completed her PhD in June 2016 (Bristol), entitled 'Reforming the Structure of Banking Regulation in the United Kingdom: Strengthening the Framework to Guard Against Communication Failures'. This project focused on the impact of groupthink on the decision-making processes of banking regulators, assessing the existence of groupthink at the Bank of England during the BCCI and Barings Bank debacles, at the Financial Services Authority and the Bank of England during the financial crisis of 2007-2009 and the potential for groupthink to affect the operation of the Bank of England and the Prudential Regulation Authority in light of the reforms introduced following the financial crisis.

Holly's current research continues on this theme, assessing the potential impact of behavioural biases on the decision-making processes and communication of information within bank regulators and regulated institutions. Holly is also undertaking work on broader issues relating to developments in the banking regulation field, assessing issues such as the significance of 'culture' within both banking regulators and regulated institutions, and the challenges posed by financial innovation (FinTech and RegTech).




Case notes

H Powley, 'Tidal Energy v Bank of Scotland plc [2014] EWCA Civ 1107', (2015) 44(4) CLWR 231


Conference presentations

Society of Legal Scholars Annual Conference (University College Dublin), September 2017: Culture, Senior Managers Regime and Perverse Incentives

Law and Society Association Annual Conference (Mexico City, Mexico), June 2017: Hidden Profiles and the identification of risk in the banking sector

Institute of Law Annual Conference (Jersey), March 2017: The Future of Banking Regulation (with Prof Keith Stanton)

Society of Legal Scholars Annual Conference (University of Oxford), September 2016: Hidden Profiles - identifying risk in the banking sector

Legal Research Network Summer School (Turku, Finland), September 2015: Co-operation and co-ordination within the UK's new financial regulation framework 

Society of Legal Scholars Annual Conference (University of York), September 2015: Groupthink, Intellectual Hazards and Banking Regulation

Society of Legal Scholars Annual Conference (University of Edinburgh), September 2013: Mind the gap: enhancing communication between financial regulators








University of Bristol Law School

Staff role

Research group