Tagged: perspective

May 2, 2017 @ 1:28 pm By Sherwood Neiss  |  

  Regulation Crowdfunding finished its fourth Calendar Quarter this past March and the data shows that women and minorities have a higher percent chance at hitting their minimum funding target but represent fewer campaigns and receive less capital. While the overall market is beginning to… Read More

April 28, 2017 @ 8:46 am By JD Alois  |  

The Conference of State Bank Supervisors (CSBS), a US organization of state bank regulators, filed a complaint against teh Comptroller of the Currency in the US district court of Columbia this week. The action was against the much debated Fintech Charter that was launched to… Read More

April 27, 2017 @ 5:46 pm By Ken Staut  |  

Regulation Crowdfunding is somewhere in the top half of the first inning of a nine-inning ballgame.  I’m not even sure the first batter has seen more than a pitch or two.  It will certainly be fascinating to see how the game develops.  I, for one,… Read More

April 27, 2017 @ 10:22 am By JD Alois  |  

The Consumer Financial Protection Bureau (CFPB) was created out of the ashes of the Great Recession. A knee jerk-reaction crafted by elected officials attempting to fix what went wrong, the controversial agency has since earned much criticism while having its structure deemed unconstitutional. At a… Read More

April 26, 2017 @ 5:02 pm By JD Alois  |  

This is a cautionary tale not just for backers of ostensible promising hardware presales campaigns but for hardware creators with little to no experience on manufacturing and shipping hardware from Asia. GOKey, a rewards based project posted on Indiegogo in 2014, raised over $1.2 million… Read More

April 25, 2017 @ 3:29 pm By Kathleen Minogue  |  

Since publishing my article “ Why We Need to Address Crowdfunding Education Now ” on Crowdfund Insider last November, I am often asked what would be my first step to fix crowdfunding education. My answer is simple: I would start by teaching crowdfunding – not… Read More

April 21, 2017 @ 6:58 am By Timothy Li  |  

When I took my first computer science courses in college, my professor often cited the old adage “Garbage in, Garbage out”. Most of the students in the classroom chuckled. For most of us, that was the first time we heard that expression. What he meant… Read More

April 19, 2017 @ 10:03 pm By JD Alois  |  

Crowdfunding, as allowed under Reg CF (created by Title III of the JOBS Act) was designed to improve access to capital for smaller firms in need of funding while providing new investment opportunities for smaller investors. For too many years the little guy has been… Read More

April 19, 2017 @ 11:12 am By JD Alois  |  

The Financial Conduct Authority (FCA) released an update this week on both their mission and an accompanying business plan. The lead securities and market regulator, posted its broad strategic objectives, as determined by Parliament; To ensure that relevant markets function well – and three operational… Read More

April 18, 2017 @ 7:35 pm By Eve Picker  |  

I’m the founder of a Fintech startup based in Pittsburgh. I’ve built an online platform that connects developers of impactful, neighborhood-building real estate projects with investors — both accredited and otherwise. I spend tons of time, energy, and resources making sure this platform is secure, reliable, and… Read More

April 12, 2017 @ 10:32 pm By Simon Douw  |  

In 2016 a total of €170 million was raised through crowdfunding in the Netherlands. This sets a new all-time high for the size of the crowdfunding market in the country. However, for the first time since its rise, crowdfunding in the Netherlands has not grown… Read More

April 12, 2017 @ 9:36 am By JD Alois  |  

Global economic powerhouse Singapore is tightening its relationship with China as indicated by the 3rd Singapore-Shanghai Financial Forum (SSFF) in Singapore today.  The SSFF is an annual forum that seeks to bring together financial industry participants from Singapore and Shanghai to discuss pertinent market developments and… Read More

April 11, 2017 @ 5:12 pm By JD Alois  |  

Earlier this month the Securities and Exchange Commission (SEC) published their annual report pertaining to the yearly SEC Government -Business Forum on Small Business Capital Formation. The gathering is mandated by law and has taken place since 1982. Each and every year a group of… Read More

April 10, 2017 @ 9:58 pm By JD Alois  |  

Christopher Woolard, Executive Director of Strategy and Competition at the FCA, delivered a Keynote address today at the Innovative Finance Global Summit 2017. Woolard, the FCA’s champion for competition and thus a champion for consumers, delivered an important message regarding their regulatory mission: “It is… Read More

April 6, 2017 @ 6:12 pm By JD Alois  |  

The Jumpstart Our Business Startups or JOBS Act is celebrating its 5th year anniversary. This is the law enacted during the Obama administration that legalized three different iterations of investment crowdfunding. The JOBS Act under Title II enabled Reg D (506c) issuers to “generally solicit”… Read More

April 5, 2017 @ 10:49 pm By Nat Hoopes  |  

  The technology transforming the financial sector is creating a historic opportunity to make financial services better and more accessible for all Americans. With this technology, consumers are finding new opportunities to borrow more affordably, save, invest, and transmit money.  While Americans prize the innovations… Read More

March 30, 2017 @ 12:00 pm By JD Alois  |  

Embedded below is the letter UK Prime Minister Theresa May sent to European Council President Donald Tusk initiating Article 50 and thus commencing the UK’s departure from the European Union. The final results of negotiations will have a profound impact on both the UK and continental Europe’s… Read More

March 23, 2017 @ 11:14 pm By JD Alois  |  

The US Fintech marketplace is saddled with 50 different state regulators and innumerable federal agencies touching financial services. The UK is dealing with Brexit ramifications and its divorce proceedings with continental Europe. Meanwhile, the European Commission is considering passporting Fintech services in recognition of the profound benefits… Read More

March 20, 2017 @ 11:47 am By Amy Wan  |  

On Monday, March 6, 2017, Congressman Patrick McHenry gave keynote remarks at the Lendit Conference in New York City. Among the themes of his speech, McHenry talked about the need for financial inclusion, citing a statistic that counties with less than 100,000 in population saw… Read More

March 16, 2017 @ 12:44 pm By JD Alois  |  

As expected, the Office of the Comptroller of the Currency has published a draft licensing manual regarding the creation of a Fintech Charter. The draft is a supplement to the agency’s existing Licensing Manual and explains how Fintech firms may apply for special purpose bank charters…. Read More