Opinion

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

NextSeed: A Community-Driven Small Business Fundraising Platform Utilizing Crowdfunding Laws

NextSeed CEO Youngro Lee shares what is working & what is not under Reg CF. NextSeed was the very first, crowdfunding portal to receive FINRA approval. But the investment crowdfunding platform was honing its skills and processes under the Texas intrastate crowdfunding exemption before Reg… Read More

Ethereum Enterprise Alliance Announces 86 New Members Including Toyota, Merck, and Deloitte

The Ethereum Enterprise Alliance (EEA) has announced the addition of over 86 new members to the group. The EEA is an alliance of fortune 500 companies, startups, academics, and technology vendors with a shared goal: to build and develop Ethereum with a clear roadmap for… Read More

EIS & SEIS May Be in Store for Improvement Under Conservative Plan

The UK has led the European continent in economic growth and Fintech innovation. This welcomed phenomenon is due, in part, to a culture of entrepreneurism and a supportive government. One important catalyst in the growth equation are the tax incentives available to early and mid-stage… Read More

Guzik Welcome’s Congressman McHenry’s Letter to SEC But Believes More Needs to Be Done

Sam Guzik, a securities attorney and Crowdfund Insider Senior Contributor, has shared his perspective on Congressman Patrick McHenry’s letter to SEC Chair Jay Clayton. Guzik welcomes, McHenry’s requests but believes more needs to be done; “I applaud the unrelenting and tireless efforts of Congressman McHenry… Read More

Congressman Patrick McHenry Asks SEC Chair Jay Clayton to Act & Fix Crowdfunding Rules

Once again, crowdfunding’s white knight rides into action. Congressman Patrick McHenry sent a letter to the newly sworn in Chairman of the U.S. Securities and Exchange Commission Jay Clayton outlining certain provisions of the regulations relating to Title III of the JOBS Act that need… Read More

Numeraire: A Hedge Fund Cryptocurrency Designed to Promote Collaboration

A year ago, Numerai premiered itself as a “new kind of hedge fund built by a network of data scientists.” Unlike a traditional fund that makes trades based on human decision, Numerai lets anonymous programmers write open source trading algorithms based on data provided by Numerai…. Read More

Is Your Crowdfunding Portal Ready For Your First FINRA Exam?

With the one year anniversary of Crowdfunding under Regulation Crowdfunding occurring on May 16th, business executives and compliance officers at registered Crowdfunding Portals (CFPs) should be actively preparing for their first regulatory examination by the Financial Industry Regulatory Authority (FINRA).   FINRA’s 2017 exam cycle… Read More

Is the Fix Crowdfunding Act, as Included in the Financial Choice Act, a Bigger Fix than Intended?

Earlier this month, Crowdfund Insider wrote about the Financial CHOICE Act and the portions that address raising capital online. It is a pretty big piece of legislation at 589 pages and a multitude of subsections. Subtitle P or the “Fix Crowdfunding” appeared to fall short of… Read More

Paytm Payments Bank Limited to Launch Next Week

Paytm is launching a bank. The news was published in advance of the announcement that SoftBank had invested $1.6 billion into Paytm’s parent company One97 Communications Limited. The SoftBank investment may have been incentivized due to the fact the Reserve Bank of India had approved the… Read More

VentureCrowd Calls Australian Crowdfunding Legislation a “Slow Motion Train Wreck”

While there has been some progress in the legislative odyssey of “Crowd-sourced equity funding”, as they call it down under, not everyone is pleased with the current results. VentureCrowd, a multi-class crowdfunding platform providing early stage, property and “crowd credit” finance, has labeled the process… Read More

Is the CSBS Vision 2020 the Answer to the OCC Fintech Charter?

Earlier this week, the Conference on State Bank Supervisors (CSBS) announced their “Vision 2020” initiative. The intent is to provide a solution for emerging Fintech firms and non-bank financial services. Vision 2020 comes after the CSBS sued the Office of the Comptroller of the Currency… Read More

Did You Know That More Than 100,000 Women are Investors on Crowdcube?

There has been much discussion about the potential of investment crowdfunding to empower women and minorities. Occasionally we receive data or research that shares encouraging information that underserved communities are benefiting by newfound sources of capital. Recently, I saw a datapoint on Crowdcube, the largest… Read More

Regulation Crowdfunding: One year In Force 

    The new crowdfunding rules – Regulation Crowdfunding (Reg CF) – are celebrating 1 year anniversary of being in force on May 16th. The new rules open new opportunities for both sides. Business owners have an alternative to funding their companies from a bigger… Read More

Doug Ellenoff Shares Perspective on Anniversary of Regulation Crowdfunding Launch

Doug Ellenoff is one of the most recognizable names in the crowdfunding space. A founding partner of the Manhattan law firm of Ellenoff, Grossman and Schole, LLP, he has spent the last few years acting as a JOBS Act champion and crowdfunding advocate both publicly… Read More

Wefunder Publishes Open Letter to SEC: Six Recommendations to Improve Regulation Crowdfunding

Wefunder has sent a letter addressed to the Securities and Exchange Commission (SEC). On the anniversary of the launch of Title III of the JOBS Act, or Regulation Crowdfunding (Reg CF), Nicholas Tommarello, co-founder and CEO of Wefunder, has taken a moment to reflect on… Read More

On Crowdfunding: Why Independent Singer Songwriter Lindsay Kupser & Others Opt for Kickstarter

“…crowdfunding is an incredible resource for independent artists and is a powerful way to maintain creative control of our work.” This time of year is filled with graduations and future plans for promising students, artists and songwriters.  Kickstarter covers an interesting earful of projects from songwriter students who… Read More

Equity Crowdfunding & Credit Unions Go Hand-in-Hand Developing Communities

Equity crowdfunding and credit unions are a match made in heaven, according to a recent article on Business News Daily. At the heart of equity crowdfunding is the goal of democratizing capital formation; allowing companies to raise money from online communities of investors who campaign on… Read More

The JOBS Act Turns Five, Regulation A+ Turns Two, Regulation Crowdfunding Turns One: What Should Be Next on the SEC Chair Jay Clayton’s Agenda

With the Jumpstart Our Business Startups (JOBS) Act having just reached its five year milestone, Regulation Crowdfunding hitting its one year milestone, and the two year anniversary of Regulation A(+) fast approaching, I thought this would be a good time to (briefly) reflect on the… Read More

Commercial for YayYo Reg A+ Crowdfunding “IPO” Offer May Push Promotion Too Far

Earlier this month I was running CNBC in the background and a commercial came up that caused me to pause. On the screen was a besuited old white male pitching the next great investment. Coming off a bit like a used-car salesman, I learned later… Read More

New York Department of Financial Services Sues OCC Regarding National Fintech Charter

The New York Department of Financial Services has filed a lawsuit in US District Court in Manhattan against the Office of the Comptroller of the Currency (OCC). The action was taken to challenge the OCC’s initiative to issue national Fintech Charters. Reuters reported the NYDFS legal… Read More