September 16, 2019 @ 11:10 pm By JD Alois  |  

Reg CF [Regulation Crowdfunding], the smallest of the three crowdfunding exemptions created by the bi-partisan JOBS Act of 2012, became officially actionable in May of 2016. In that time, hundreds of issuers have raised money on FINRA regulated “funding portals” taking advantage of the internet… Read More

September 10, 2019 @ 4:55 pm By Maxwell R. Rich  |  

The securities regulatory regime in the United States is one based on the principle of disclosure, disclosure, and more disclosure; only those who can fend for themselves may invest without the benefits of statutorily prescribed disclosure. Therefore in the United States, there are only three… Read More

September 4, 2019 @ 4:26 pm By JD Alois  |  

The Conference of State Bank Supervisors (CSBS) has been rebuffed once again in its attempt to stymie looming Fintech banking competition. In a decision issued yesterday (September 3, 2019), the US District Court for the District of Columbia ordered that the CSBS pursuit of a… Read More

September 1, 2019 @ 7:00 pm By Hernan Soler  |  

They say technology is making the world smaller by facilitating shared connections, transactions, and experiences around the globe. One result of this increased global awareness and connectedness is an increased interest in travel. Though the majority of the world has never traveled by plane, the… Read More

August 30, 2019 @ 2:48 pm By Michael B. Saryan and Charles S. Kaufman  |  

Each year, billions of dollars in direct foreign investment flow to U.S. developers and entrepreneurs under the EB-5 Immigrant Investor Program. The program gives foreign investors the opportunity to obtain permanent U.S. residency – a green card – if they make a qualifying investment in… Read More

August 29, 2019 @ 9:26 am By JD Alois  |  

Europe possesses one of the most robust markets for digital assets. Multiple countries have established bespoke rules to facilitate, or at least regulate, digital asset offerings. These may be securities or utilities or both. Gibraltar, Malta, Switzerland were quick out of the gate with rules…. Read More

August 28, 2019 @ 2:32 pm By Dr. Zvi Gabbay  |  

Colu Group Offers to Buy Back ALL Tokens Issued in ICO The key role and responsibility of financial regulators is to identify and correct market deficiencies that have an adverse effect on investors and end-clients. For this reason, regulators are especially sensitive to corporate conduct… Read More

August 27, 2019 @ 8:03 am By Damien Guermonprez  |  

Ten years after the financial crisis, Alternative Finance continues to exhibit strong growth. The sector is estimated to account for nearly €300 billion of inflows worldwide, a market exhibiting 25% annual growth and largely dominated by the Chinese (75%), which percentage was already recorded in… Read More

August 23, 2019 @ 12:35 pm By Cali Haan  |  

Cryptocurrency skeptics, in particular, these days are closely watching the showdown now underway between sister crypto companies Bitfinex and Tether and the New York Attorney General’s Office, which has alleged fraud at the two firms. As a bit of background, Tether makes a synthetic US… Read More

August 23, 2019 @ 11:30 am By Vincent Ney  |  

It’s no secret that over half of small businesses close their doors within the first five years. One of the critical problems that often occur has little to do with the innovation, ingenuity, or work ethic of the small business owners themselves, but rather the lack… Read More

August 22, 2019 @ 8:39 am By JD Alois  |  

Old finance continues to leverage one of its most valuable assets: lots of money. While traditional banks may struggle to innovate and adapt they continue to do what they do best which is to spend money on emerging tech to hedge against a sectorial shift…. Read More

August 21, 2019 @ 5:59 pm By JD Alois  |  

Faster payments and electronic transfers is a hot sector of Fintech. For quite some time, traditional banks sat on the sidelines watching Fintechs push into their business. Today, they are stepping things up but questions remain as to whether or not old finance has the… Read More

August 20, 2019 @ 12:30 pm By Dror Futter  |  

Recently we marked the second anniversary of the SEC’s issuance of an Investigative Report finding that the DAO Tokens were securities.   While this killed the hopes of those who had interpreted SEC silence to mean consent to the unregulated issuance of tokens, it still… Read More

August 20, 2019 @ 12:01 pm By JD Alois  |  

In the US, the definition of an “Accredited Investor” is an individual who earns over $200,000 a year or has $1 million in net assets minus their primary residence. If you are married, that number moves higher. Yet, as it stands today, this definition does… Read More

August 18, 2019 @ 2:45 pm By Aubrey Hansen  |  

As 2019 moves into its third quarter, the once burgeoning industry of digital banking is starting to make serious waves in the financial world – and investors are taking notice. Big players like Monzo, Starling, N26, Revolut, and EQIBank have recently completed massive funding rounds… Read More

August 11, 2019 @ 8:02 pm By X.Y. Ng  |  

Thanks to the rise of peer-to-business (P2B) lending, the concept of Small and Medium Enterprise (SME) debt as an asset class has altered for the better. With low risk of default and high-interest rate returns, it is now possible to invest in SME debt at… Read More

August 7, 2019 @ 1:30 pm By JD Alois  |  

Shares in LendingClub (NYSE:LC) are rising during another down market day as the trade war with China has no end in sight and political tempers flare. Shares are currently trading over 10% higher following yesterday’s Q2 earnings report where LendingClub said it expected to finally… Read More

August 1, 2019 @ 4:44 pm By Michael Ou  |  

“Regulation” is not often a word associated with “benefits” in blockchain and cryptocurrency circles. Indeed, many governments have been sharply criticised following the roll-out of regulatory guidelines addressing the flourishing blockchain industry. Some even suggest that it is a lack of regulation which has allowed… Read More

August 1, 2019 @ 4:06 pm By Cali Haan  |  

The latest blog post from “full-service (digital asset) investment management firm” Arca tries to contend that crypto-asset investing is not much more speculative than traditional sorts. But Arca is not a neutral commentator. The company has invested early in LEO tokens, for example. LEOs are… Read More

August 1, 2019 @ 12:06 pm By JD Alois  |  

SEC Commissioner  Hester Peirce is in Singapore, a noted Asian Fintech hub, talking about digital assets. Peirce, speaking at the SUSS [Singapore University of Social Sciences] Convergence Forum, addressed the audience about innovation – something that frequently makes regulators nervous. Change is hard. Alluding to… Read More