Opinion

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

Chancellor Proposes Changes to EIS to Increase Investment Limits to £2 Million, EISA calls Changes “Good News” for Entrepreneurs & Investors

The Chancellor of the Exchequer Philip Hammond proposed an update to the Enterprise Investment Scheme (EIS) in the Autumn budget presented at the House of Commons today. The measures will increase the annual limit for individuals to £2 million – provided that anything over £1… Read More

Ricky Knox, Founder of Digital Challenger Bank Tandem, Tells Chancellor to “Keep it Simple” Ahead of Budget

The much anticipated Autumn budget will be revealed by Chancellor of the Exchequer Philip Hammond soon. In advance of the speech at the House of Commons there has been much speculation and plenty of rumors as to what exactly will be included in the exceptionally… Read More

Early Stage Investing vs. Real Estate Investing: Similarities and Differences

Both venture capital (VC) investing and real estate investing involve some level of risk assessment, they both have the potential for big returns, and investors have the opportunity to help someone else reach a desired goal. Despite this common ground, there are some distinct differences…. Read More

Cardozo Blockchain Project Publishes New SAFT Approach for ICOs, Provides Regulatory Alternative for Nascent Token Market

The Cardozo Blockchain Project is an initiative from Cardozo Law School that seeks to address the legal issues and challenges related to Blockchain technology and the fast emerging Initial Coin Offering market. The project is directed by Prof. Aaron Wright but includes the input and… Read More

Report Indicates Chancellor to Announce Multi-Billion Pound Fund to Fuel UK Scale-Ups

Chancellor of the Exchequer Philip Hammond’s Autumn budget will be revealed this week and there is plenty of chatter as to what may, or may not, be included in the important policy statement. With Brexit pressure compelling policy makers to do everything they can to… Read More

Jason Hsu, Member of Parliament, Wants to Turn Taiwan into Fintech Hub, Seeks Robust ICO Market

Jason Hsu is on a mission to turn Taiwan into a Fintech hub. This includes the development of a robust Initial Coin Offering market – in stark contrast to several Asian neighbors like China and South Korea,  two countries that banned all ICOs earlier this… Read More

Cleveland Federal Reserve Pulls Document Critical of Peer to Peer Lending as Critics Question Research Methodology

Earlier this month Crowdfund Insider posted a research report published by the Cleveland Federal Reserve that was highly critical of the peer to peer lending industry (marketplace lending) in the US. The report, authored by Yuliya Demyanyk at the Cleveland Federal Reserve, Elena Loutskina at the University… Read More

Beyond the CFPB Principles: What’s to Come in Consumer Data Sharing

  On October 18, the Consumer Financial Protection Bureau (CFPB) issued a set of principles on consumer-authorized data sharing and aggregation intended to safeguard consumer interest as the data sharing market continues to develop in the US. As a financial data company providing account aggregation,… Read More

Trust Will Vanish: Cappasity CEO Criticizes Parity Hack Response as Funds Remain Frozen with No Resolution in Sight

Cappassity CEO Kosta Popov, who is gearing up for the ARToken ICO, has published a blog post that hammers Parity for its tepid response following a hack that froze possibly $300 million in Ethereum. The hack was revealed in early November when it became known that… Read More

Supercharged Crowdfunding: CoinList Plans Future of One Stop Funding with Compliant ICOs

CoinList, a marriage between AngelList and Protocol Labs, has big plans for the future of early stage funding using digital tokens. Following the blowout success of Filecoin, an Initial Coin Offering (ICO) that saw an astounding $200+ million raised, CoinList quickly regrouped and revamped its… Read More

Sí, Ja, Yes, Oui…Speakly CEO Ott Ojamets Shares Insight on New Seedrs Campaign & the Language Learning Revolution

Speakly, a tech-based language learning solution, has partnered with Seedrs for a €90,007 fund raise for 10.00% equity offered. The UK-based is pre-valued at €810,000. Successful angel-investor Sonny Aswani has backed Speakly. Co-founded by Ott Ojamets in 2012, Speakly aims to ignite a language learning revolution by bringing 21st century… Read More

CFPB Guns for Think Finance. Files Suit Alleging Consumer Deception in Repaying Loans Not Legally Owned

The Consumer Financial Protection Bureau (CFPB) has filed suit in federal court against Think Finance, a Fintech that leverages its technology to power online lending platforms. Think Finance provides software technology, analytics, loan servicing, and marketing services. The CFPB says the suit was filed for… Read More

ICO Advisors: Are they Broker-Dealers or Finders?


Despite the record success of many initial coin offerings (ICOs), raising capital for ICOs is a difficult process.  It is tempting to accept help anywhere one can get it, and there is no shortage of persons and companies clamoring to “find” or refer investors in… Read More

House Financial Services Committee Approves Legislation to Help Keep Lending Partnerships Between Banks and Online Lenders

The House Financial Services Committee has approved HR 3299 or the “Protecting Consumers’ Access to Credit Act of 2017.” The bill “restores consistency” in lending laws across state boundaries. HR 3299 impacts the case of Midland Funding, LLC v. Madden – an ongoing law suit… Read More

Lend360: A New Era in Online Lending

I arrived in Dallas, Texas, the night before 2017’s Lend360. A conference catering to lenders, investors and vendors in the online lending space. It started out as OLA (Online Lenders Alliance) a number of years ago. Next year, Lend360 will take place in Chicago, one… Read More

Perspective: How to Fix the UK Housing Market

All eyes are on the UK’s property market since the Bank of England announced its first increase in the base rate since July 2007.  The question on everyone’s lips: how will the market react? After a decade of historically low rates homeowners have become relaxed… Read More

First Regulated Initial Coin Offering Conference ICO 2.0 Summit Dives Deep into ICO Legal, Regulatory & Economic Implications

On Friday, November 10, 2017, StartEngine, a Regulation Crowdfunding platform based in Los Angeles, California organized ICO 2.0 Summit, the first regulated ICO conference – or at least the first that I’ve seen. While there seem to be an explosion of ICO and Blockchain-related conferences… Read More

The SEC and Regulated ICOs: Be Careful What You Wish For

Man Proposes and God Disposes On November 8, at an Annual  New York City gathering of securities professionals, SEC Chair Jay Clayton went off script – and in doing so provided what is likely to be the clearest guidance we can expect to receive from… Read More

ICOs, Crypto-Tokens and Blockchain Legitimized at a Stroke as Rock Solid Gibraltar Swoops In

The future is arriving a lot sooner than almost anyone thought as, fuelled by billions in ICO cash, the blockchain revolution moves ten times faster than the internet revolution ever did: Gibraltar, their nimble regulator and Stock Exchange are providing an exemplar that may now… Read More

Like a Bad Dream: Community Banks Fire Back at Acting Comptroller of the Currency & His Insistence Competition is Good for Banks

Acting Comptroller of the Currency Keith Noreika delivered a speech this week that has the traditional banking industry up in arms.  Noreika made the heretical statement that competition is good for the banking industry inciting the wrath of the Independent Community Bankers of America (ICBA),… Read More