International Standards
A Modern practice built on excellence, integrity and commercial awareness
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Complex Matters
We handle high-stakes disputes, regulatory challenges and sophisticated legal risk.
read moreCore Practice Areas
Thought Leadership & Emerging Issues
Owino-O & Associates maintains a strong interest in developing areas of law like AML,technology, regulation..
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Private Wealth
We advise entrepreneurs, business owners and families on succession planning, estate administration, trusts, wealth preservation
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Public Law, Regulatory & Investigations
Government decisions increasingly shape commercial outcomes. We understand operating in one of the fastest growing economies in Africa..
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Consumer Markets & Retail
We advise businesses operating in retail, hospitality, manufacturing, logistics, and consumer-facing industries on commercial contracts
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Energy, Natural Resources, and Sustainability
Energy and natural resource projects involve significant regulatory oversight and stakeholder interests.
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Dispute Resolution
We advise and represent clients in complex disputes across multiple sectors, including:
• Commercial and contractual claims
IdentityWho we are
Owino-O & Associates is a specialist disputes and advisory law firm focused on complex commercial disputes, regulatory investigations, and strategic risk. We advise businesses, financial institutions, investors, and private clients on high-value, business critical matters where legal strategy and commercial judgment are equally important.
Our ValuesThe principles that guide everything we do
Commercial Disputes and Contract Enforcement
Acting for a leading player in institution-based catering services, in a multifaceted dispute involving commercial leasing, contract enforcement, cyber forensics, data protection and IT interference, and business protection against a leading international university. The high value commercial dispute arose from allegations of contractual breach, threatened lease termination, interference with business operations, and disruption of the client’s commercial interests.
Tax Appeals Tribunal (TAT)
Acting for a client, one of the largest sports betting companies in Kenya, at the Tax Appeals
Tribunal (TAT) in connection with a tax dispute with the Kenya Revenue Authority (KRA) in
relation to a newly introduced taxation provision on “winnings” won by punters/players in
the betting and gaming industry.
Banking, Finance and Debt Recovery Disputes
Acted for a borrower in a landmark debt recovery and lender liability dispute involving
unlawful recovery measures against one of the prominent digital lenders in Kenya, failure
to honour restructuring and buy-off arrangements, and irregular realization of charged
assets. We successfully secured a recovery exceeding five times the value of the client’s
original claim and vindicated the client’s contractual and proprietary rights.
Banking, Finance and Debt Recovery Disputes
• Acted for a borrower in a landmark debt recovery and lender liability dispute
involving unlawful recovery measures against one of the prominent digital lenders in
Kenya, failure to honour restructuring and buy-off arrangements, and irregular
realization of charged assets. We successfully secured a recovery exceeding five
times the value of the client’s original claim and vindicated the client’s contractual
and proprietary rights.
• Acted for a borrower in a landmark financial services dispute involving
unconscionable lending practices, unlawful debt enforcement, and borrower
protection claims.
Cross border practice
Supported cross-border mandates as local counsel alongside international firms
where we prepared strategic litigation memoranda assessing merits, evidentiary
strength, and commercial risk and client’s exposure within the Kenyan market.
News and Updates
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Civil Asset Recovery in Focus: Key Developments on Burden of Proof, Constitutional Protection and Proceeds of Crime
Civil asset recovery remains one of the most dynamic areas of Kenya’s anti-corruption and anti-money laundering framework. As litigation before the Anti-Corruption and Economic Crimes Division continues to evolve, the courts have provided important guidance on the constitutional protection of property, the evidentiary burden in forfeiture proceedings, and the distinction between recovery proceedings under the
August 24, 2026 -
Employer of Record Arrangements – Managing Employment Risk Beyond the Contract
Employer of Record (EOR) arrangements continue to gain traction as multinational businesses expand into Kenya without establishing a local employing entity. While these structures can simplify market entry and workforce administration, they do not, in themselves, insulate businesses from employment liability under Kenyan law. Our recent analysis examines the legal framework governing EOR arrangements in
August 24, 2026 -
Kenya’s Digital Credit Market: Key Regulatory and Market Developments for Digital Credit Providers
Kenya’s digital credit market continues to evolve at pace. As of April 2026, the Central Bank of Kenya (CBK) had licensed 259 Digital Credit Providers (DCPs) from more than 800 applications, underscoring the increasingly rigorous licensing framework. At the same time, the sector has recorded significant growth, with over KES 133.5 billion in digital loans
August 24, 2026