Tagged: perspective

Slow Moving: Australian Investment Crowdfunding Rules Plod Along

Australia Money

  In Australia, the process to update the regulatory environment to facilitate equity crowdfunding has been a long journey. Back in 2014,  proposed rules by the Corporations and Markets Advisory Committee (CAMAC) were criticized by one industry leader as “totally unworkable”. No need to say more. At… Read More

SyndicateRoom’s CEO Talks 3 Core Principles of Equity Crowdfunding

Goncalo de Vasconcelos

SyndicateRoom co-founder and CEO Gonçalo de Vasconcelos recently shared his thoughts on the how equity crowdfunding should work in the real world. SyndicateRoom, is one of the top three platforms in the UK.  The site has taken a different approach by involving a professional investor… Read More

Former FSA Chair Lord Adair Turner Warns About Peer to Peer Lending. Industry Leaders Disagree

Lord Adair Turner

In an interview today on BBC, Lord Adair Turner, former Chair of the FSA (predecessor to the FCA), shared his opinion on banking and the financial industry in general, including a discussion on the burgeoning peer to peer lending sector.  Lord Turner, it appears, is… Read More

Real Estate Crowdfunding Calls French Crowdfunding Regulation Into Question

Paris France

Real estate crowdfunding started late in 2014 in France. But, hardly a year later, it is going strong with 26 platforms vying for a share of the market. However, as crowdfunding moves from real estate development to buy-to-let projects, new platforms are encountering some resistance… Read More

British Business Bank: the UK Now Has a Record 5.4 Million Small Businesses

London UK Taxi Flag

In the UK, similar to other parts of the world, SMEs are the engine of economic growth and associated job and wealth creation.  According to the Federation of Self-Employed and Small Businesses (FSB); Small businesses account for 99.3% of all private sector businesses at the… Read More

Crowdfunding Portals Prepare for Title III Retail Crowdfunding

Gates Open for Title III

Last week both the SEC and FINRA finalized the rules for funding portals to offer securities under Title III of the JOBS Act of 2012.  The journey to get to this place has been long and at times challenging as regulators and industry participants debated… Read More

The Regulatory Risk for Marketplace Lending is Rising

Base Jumping by Chris McNaught

  As marketplace lending grows and matures it is natural, even expected, for policy makers and regulators to stand up and take notice. While in the overall world of finance direct online lenders are still relatively small, more and more frequently amounts are measured in… Read More

All hands on deck!

A bow view of the battleship USS IOWA (BB-61) firing its Mark 7 16-inch/50-caliber guns off the starboard side during a fire power demonstration.

All too often the responsibility of a company raising capital is left in the hands of a few people in the company and that weighs on them and affects everyone.  The majority of the team is left out of the process, carrying on day to… Read More

Jon Medved Speaks About the Future of OurCrowd & Equity Crowdfunding

Jon Medved at Global Summit 2016

OurCrowd is perhaps the leading investment crowdfunding platform in the world. Founded in 2013 by the ubiquitous CEO Jon Medved, OurCrowd has set up shop in one of the hottest startup markets in the world.  But while  nominally based in Israel, OurCrowd has chosen a… Read More

Does the SEC Want to Create a Regulatory Approach for Cross Border Equity Crowdfunding Offers?

Keith Higgins

Keith Higgins, Director the Division of Corporate Finance of the SEC, travelled to the UK last week to keynote a speech at the Fifteenth Annual Institute of Securities Regulation in Europe.  The speech, entitled; “International Developments -Past, Present & Future, launched into the premise of… Read More

Regulations Galore Part II: Peer to Peer Lending in China

China Flag

The China Banking Regulatory Commission (“CBRC”) issued the highly anticipated draft rules for online lending on December 28, 2015. Ever since the State Council guidelines (“the Guidelines”) for the Chinese internet finance industry were issued in July, rumors about the timing of the online lending… Read More

Investment Industry Association of Canada CEO Says Scrap Equity Crowdfunding. NCFA Says No Way.

Canada Money

The CEO of the Investment Industry Association of Canada (IIAC), Ian Russell, called on provincial regulators to “scrap equity crowdfunding”.  Russell, it appears, is not enthusiastic about the financial innovation.  On the digital pages of the Financial Post, and on the IIAC blog, Russell claimed;… Read More

“Bitcoin Has Failed” States Prominent Bitcoin Expert Mike Hearn

Train Wreck Demise Collapse Disaster

“Despite knowing that Bitcoin could fail all along, the now inescapable conclusion that it has failed still saddens me greatly. The fundamentals are broken and whatever happens to the price in the short term, the long term trend should probably be downwards. I will no… Read More

CFIRA Reminds SEC the Time is Now to Update Definition of an Accredited Investor

Entry Enter Go

There is a mandate under Dodd-Frank to review the definition of an “Accredited Investor” on a rolling basis.  As it stands today, Accredited Investors are individuals with incomes over $200,000 per year or $1 million in assets beyond a person’s primary residence. If you are… Read More

Crowdfunding in 2016: Five Predictions

psychic healing center predictions

  With equity crowdfunding poised to take off in 2016 with the recent additions of Regulation A+ and the final rules of Title III, Reg CF, I have compiled a list of predictions for the coming year. The internet has facilitated profound efficiencies in many… Read More

The Equity Crowdfunding Bandwagon: South East Asia Jumps On Board

South East Asia Equity crowdfunding

Southeast Asia (SEA) represents a burgeoning regional economy comprising of 11 countries with a consolidated GDP of US$2.57 trillion (that’s approximately 15% the size of the US economy), and a combined population of 620 million people. It’s no wonder that there’s a buzz around the… Read More

The Top 10 Crowdfunding Legal Developments of 2015

2016 Launch Rocket

  2015 could go down as the most active year for regulatory reform in the private securities market since 1940.   After a long delay since passage of the JOBS Act in 2012, we saw an unprecedented flurry of regulatory activity in 2015. Without further… Read More

Potential Pitfalls of Regulation CF – Part I: Practical Concerns for an Issuer

mouse trap danger

  When SEC Commissioner Piwowar lodged his controversial “NO” vote for the final rules implementing Title III Regulation CF last October, he did so with concern that the overcomplicated rules were laden with “traps” that could snare an unassuming company trying to raise funds. Unfortunately,… Read More

Dallas Fed on Community Banks: “Too Small to Succeed”, Crushed by Excessive Regulations

Cost of Excessive Regulations

Yep. The Federal Reserve agrees. Small community banks have been crushed by excessive regulations. In the past, these localized financial institutions have been the foundation of economic growth for SMEs.  But misguided laws from  myopic politicians driven by the battle cry of “too big to… Read More