Opinion

Editorial opinions on the burgeoning industry of CrowdFunding and the associated regulations.

Exclusive! Companisto Reflections on 2016 as German Market Leader, Notes 19 Successful Rounds

andre-glasmacher

2016 marked a strong year for Berlin-based crowdfunding platform Companisto.  Founded in 2012 by Tamo Zwinge and David Rhotert. In an earlier interview, Zwinge envisioned Companisto as a crowdinvesting platform that enabled ideas to be implemented to benefit many people, a hope that continues to be realized. “According… Read More

Turf War! New York State Department of Financial Services Tells OCC to Back Off Fintech Charter

cannon-howitzer-gun

    I expect to see more of these comment letters as battle lines have clearly been drawn regarding the debate on the proposed Office of the Comptroller of the Currency (OCC) Fintech Charter. In brief, the OCC has proposed crafting a Fintech Charter for… Read More

Financial Innovation Now: We Support the OCC Fintech Charter

Fintech Apple Google Amazon PayPal Intuit

Financial Innovation Now (FIN) has sent a letter to the Office of the Comptroller (OCC) of the Currency in support of the OCC’s initiative to support Fintech innovation. FIN is an alliance of big tech including; Apple, Amazon, PayPal, Intuit and Google (Alphabet). As big… Read More

Deadline Nears for Comments on Proposed OCC Fintech Charter

Conductor-Checks-his-Time-for-Train Late Delayed

  The Office of the Comptroller of the Currency is still accepting comments on the proposed Fintech Charter for financial firms looking to operate with a federal charter. The deadline was initially set for January 15th but one report says the OCC has pushed the… Read More

House Financial Services Committee Chair Hensarling Says Dodd Frank is on its Way Out

Jeb Hensarling

The Dodd–Frank Wall Street Reform and Consumer Protection Act has become an iconic act of legislation for the Democratic party. Not because it is good legislation but because its demise represents a profound retrenchment of what they fought so hard to accomplish. This is a… Read More

Marketplace Lending Association to Congress: Please Ensure that America is a Place Where Fintech Can Flourish & the Federal Government is a Partner, Rather than an Obstacle

US Capitol Green Light Go

The Marketplace Lending Association has called on Congress, and the incoming Trump Administration, to become a catalyst for Fintech innovation and not an obstacle. In a letter addressed to House and Senate leaders, Nathaniel Hoopes, Executive Director of the MLA, asked Congress to move  away… Read More

SeedInvest CEO Ryan Feit: Issuers Using Reg CF will Raise Over $100 Million in 2017

seedinvest

  SeedInvest is one of the most prominent investment crowdfunding platforms in the US. A full stack funding platform, SeedInvest lists opportunities from issuers under Reg D (both 506c & 506b), Reg A+, and Reg CF.  The platform boasts a solid community of over 140,000… Read More

Two US Senators Come Out Against Proposed OCC Fintech Charter

thomas-curry-occ

Senators Sherrod Brown and Jeffrey Merkley have published a letter, sent to Thomas Curry, Comptroller of the Office of the Comptroller of the Currency (OCC), bashing his push to create a Fintech charter for innovative financial firms. Brown and Merkley state; “While we share your… Read More

French Crowdfunding Leaders Predict Strong Market Growth & Call for Better Investor Tax Incentives in 2017

france-paris-eiffel-tower-night

France is the second largest European crowdfunding market after the UK. We asked the CEOs of France’s leading crowdlending and crowdinvesting platforms to share their hopes, wishes and predictions for the sector in 2017. They expressed their confidence in the sustained growth of their market…. Read More

Ask Us: LendIt’s Peter Renton and Crowdfund Insider’s Andrew Dix Discuss Marketplace Lending in Upcoming Webinar

andrew-dix-peter-renton

Mark your calendars, log on and learn! LendIt, the world’s largest lending and fintech conference, is hosting two free webinars on January 11 and 18. LendIt Forums offer a series of free, intensive (and interactive) learning events for Asset Managers, Real Estate Investors, Financial Advisors, Commercial Bankers, Lending Innovators, Venture Capitalists and the Media…. Read More

What to Watch For in Marketplace Lending During 2017

goldstone_deep-space-communications_antenna-2

Predicting what will transpire in the coming year is always challenging, particularly in relatively nascent and growing industries such as marketplace lending. While surprises are undoubtedly in store for 2017, indications are that certain trends—the growth of bank partnerships and industry consolidation—will continue and accelerate… Read More

Top Ten Fintech Predictions for 2017

the-future-of-fintech

The following are my top ten Fintech predictions for the coming year. While 2016 has been a momentous period in Fintech innovation there is more to come. 10 – Sensors Internet of Things (IoT), Wearables, Smart Home and Connected Car will bring massive change to… Read More

Jay Clayton to Join SEC During Unprecedented Need to “Cut the Red Tape”

financial-services-holding-companies-rules-2

Financial regulations are often enacted with little concrete definition, to say nothing of quantification, of their costs and benefits. Regulators and economists have little understanding of causal mechanisms that may provide benefits and incur costs. Worse, they often think they know cause and effect, either… Read More

A Million Bucks Crowdfunding… Not Enough?

money-dollars-benjamin-2

  Overcoming Equity Crowdfunding’s $1 Million Maximum Annual Capital Raise Amount Raising Startup Capital through Side-by-Side Equity Crowdfunding (Reg CF) and Regulation D Offerings With the JOBS Act’s advent in 2012, equity crowdfunding was born. The JOBS Act was designed to revolutionize the way businesses… Read More

P2P-Banking’s Lehmann: Predictions for 2017 (Infographic)

claus lehmann

The following table from P2P-Banking.com shows loan originations in P2P lending marketplaces during December 2016, with Funding Circle (114.1M) significantly leading Ratesetter (68.2M euro), Zopa (60.2 M euro) and LendInvest (24.9M euro). Lendix reports an all time record month at 7.7 million euros in loan origination…. Read More

Crowdfunding & Fintech Predictions for 2017

Fortune Cookie Golden Investments Ahead Future

Last year due to time constraints I was unable to publish my list of Crowdfunding/Fintech predictions for 2016. This year I am back once again, for better or worse, peering deep into my crystal ball with a list of prognostications for the coming year. The… Read More

European Commission Appoints Members of Expert Group on Sustainable Finance

Battered EU Flag Europe Brexit

The European Commission has announced the appointment of a group of individuals to advise on sustainable finance. The initiative is part of the ongoing Capital Markets Union (CMU) which took a serious blow following the Brexit decision.  The intent of the expert group is to… Read More

Personnel is Policy: Dan Gallagher on SEC Under Trump Administration (Video)

dan-gallagher-on-cnbc

Former SEC Commissioner Daniel Gallagher visited the studios of CNBC yesterday to share his perspective on the SEC under the Trump administration.  Gallagher is one of the names being bandied about as the Republican pick for the SEC Chair.  Another possibility is another former Commissioner… Read More

Finnovista: 2017 Will be the Year of Fintech for Inclusion in Latin America

Fermin Bueno

Cofounded by Fermin Bueno and Andres Fontao who also cofounded Startupbootcamp FinTech LATAM, Finnovisita sees itself as an impact organization that accelerates fintech entrepreneurship in Spanish speaking countries, builds bridges between startups and financial institutions and facilitates the transformation of advanced financial services and the… Read More