Tagged: perspective

Gillian Roche-Saunders Shares Insight into UK FCA Crowdfunding Regulatory Review

Gillian Roche-Saunders Quote

Gillian Roche-Saunders, is a partner at the law firm of Bates, Wells & Braithwaite in London.  She is a leading lawyer in the Fintech sector having been engaged in alternative finance for the past five years – before the FCA jumped in to officially regulate… Read More

5 Ways Location Affects Entrepreneurship

Money Dollars Art 100

Entrepreneurship is a tough slog no matter where you live, considering that 51% of all new businesses fail within five years, according to the U.S. Small Business Administration. But location still matters, despite what the digitized nature of contemporary commerce might lead you to believe. Sure,… Read More

Incoming FCA Chief Executive Sets Course in Speech at Annual Meeting

Andrew Bailey Antique

The new Financial Conduct Authority (FCA) Chief Executive Andrew Bailey, delivered a wide-ranging speech outlining his vision for the regulatory agency at the Annual Public Meeting yesterday (July 21).  Bailey replaced outgoing executive Tracey McDermott who announced her decision to not seek reappointment this past… Read More

Mary Jo White: SEC Staff Continues to Closely Monitor Reg CF, Reg A+

Mary Jo White at ACSEC

Two important elements of the JOBS Act are Title III and Title IV.  These two portions of the act created Reg CF, retail crowdfunding, and Reg A+, a scaled disclosure exemption for companies to raise up to $50 million.  In the opening remarks of the… Read More

A New Era for Crowdfunding?

Reg CF Washington-Monument-DC1

Sites like Kickstarter and Indiegogo have long allowed individuals to support start-ups in exchange for pre-buying a ticket or early prototype of a product, but not for equity.  Accredited investors—with a net worth of over $1 million or who earn over $200,000 a year—have their… Read More

NASAA Criticizes National Securities Exchange Regulatory Parity Act as Undermining State Authority

Judith Shaw at SEC IAC

The North American Securities Administrator Association (NASAA), the lobbying group for state securities regulators, published a comment last week regarding the passage of the National Securities Exchange Regulatory Parity Act (HR 5421).  NASAA appears ready to battle the legislation, which passed on a voice vote… Read More

Perspective: Uncertainty About the Consequences of Brexit is Rising

UK Queen Elizabeth Money

As UK politicians, pro-Brexit and pro-Bremain alike, resign one after the other, the uncertainty about the consequences of the Brexit vote is rising instead of abating. Here is a summary the following main causes of uncertainty that impact financial services: The Legal Exiting Process: The… Read More

The Brexit as Viewed from the European Continent

Brexit EU Referendum

In the troubled post-Brexit context, many leaders in the UK traditional and alternative financial services are trying to reassure their market and even to present the Brexit vote as an opportunity for the UK. Their statements read like reactions of the French after a soccer… Read More

The Lending Club Predicament & The Lessons Learned

Lendit Problem Renaud Laplanche

When Lending Club, as the worldwide leader in P2P/marketplace lending and, for that matter, in the entire global crowdfunding market, runs into trouble, it is bound to send ripples way beyond its home market, the United States. And it does. The fast emerging French crowdlending… Read More

Brexit Good for Fintech? That’s Right, According to Former Skype COO Michael Jackson

Michael Jackson

Mangrove Capital Partner and former COO of Skype, Michael Jackson, is of the opinion the Brexit is “far from being an economic disaster”. In a release on Finextra, Jackson states that great entrepreneurs feed off of disruption. In this case, the disruption is being driven… Read More

Crowdfunding Under The Next President! Will The Hillary Clinton, Donald Trump, Or Bernie Sanders Administrations Support Crowdfunding?

Presidential Election 2016

Political campaigns may have a symbiotic relationship to crowdfunding. In a sense, politicians have been crowdfunding political donations for years, even before the term was generally known. Since then, many have used actual internet-based crowdfunding campaigns in their fundraising. President Barak Obama has high hopes… Read More

SyndicateRoom: It’s Premature to Call Title III Crowdfunding a Disappointment

Funding Hurdle with Finish Line

Tom Britton, SyndicateRoom co-founder and CTO, shared his views on Reg CF, Title III of the JOBS Act, a few days ago. Britton, a US citizen transplanted in the UK, is helping to manage one of the most successful investment crowdfunding platforms in the UK,… Read More

While the UK Encourages Digital Only Challenger Banks, the US Holds Back

Define Antithesis Opposite

A reoccurring theme within the Fintech sector is the need for a regulatory environment that embraces competition and transparency.  Perhaps the best example globally continues to be the UK as the regulatory system has been cited on countless occasions as an important catalyst in driving… Read More

Should You Use An Equity Crowdfunding Consultant?

Chess Strategy

Companies chronically underestimate how much time and hard work is involved in running an equity crowdfunding campaign. It’s often only after they get some way down the track that they realise what is involved, and it’s natural to feel overwhelmed and look for help. In… Read More

SEC Quietly Injects Life Into Title III Crowdfunding Solicitation!

Reg CF Securities for Sale

  When it comes to capital formation for SME’s through federal legislation, one can usually count on the North American Securities Administrators Association (NASAA) to do their best to block or narrow any new paths which Congress or the SEC may seek to create.  The… Read More

Competition Counts & the UK FCA Leads the Way in Regulatory Innovation

Mary Sparks

The United Kingdom has been at the forefront of Fintech innovation. While there are many reasons for the UK playing a lead role in new forms of finance several variables may be distilled from the list. First, the country is very supportive of an entrepreneurial/market-based… Read More

In or Out? It is ALL About the Brexit. Jeff Lynn of Seedrs Responds

Jeff Lynn Brexit Quote 2

      History will be made tomorrow (June 23, 2016) as the United Kingdom will decide whether to remain, or depart, the European Union. Popularly called the “Brexit” (or Bremain), if the UK departs the second largest market in the world will take an… Read More

Three Ways Crowdfunding Empowers Women & Minority Entrepreneurs

Define Empower

As I wrote last week, Yemani Mason is the founder and CEO of a new real estate crowdfunding platform called VestMunity. He is an innovator offering a hub for regular folks to access investment opportunities previously out of reach, in this case, the rehabilitation and… Read More