Peer-to-Peer

News & Analysis as of

Blog: FCA review of crowdfunding & peer-to-peer lending rules – change and enforcement likely to follow

The FCA has published a “Call for input to the post-implementation review of [its] crowdfunding rules“. Some will think this is code for “move along please, there’s nothing to see here” – and that would be understandable. But...more

Follow The Leader: Why The U.S. Needs A Federal Tax Credit For Angel Investors

The UK crowdfunding market is the leading, and most successful, crowdfunding market for several reasons. Arguably the primary reason for their success is that the UK tailored, and continues to tailor, their securities laws...more

FTC Delays Ruling in LabMD Appeal

The Federal Trade Commission has decided to put off until late July a decision about whether to overturn a ruling by the agency’s chief administrative law judge in the closely watched data security action against LabMD, the...more

UK Financial Regulatory Developments - June 2016 #6

Up next from FCA - The latest edition of FCA’s Policy Development Update provides information and links to publications issued since the last edition, recent Handbook developments and an updated timetable for forthcoming...more

UK Treasury Committee Requests Regulators to Consider Risks and Opportunities of Crowdfunding

The Treasury Committee of the UK Parliament announced that Andrew Tyrie MP, Chairman of the Treasury Committee, had written to Financial Conduct Authority and the Prudential Regulation Authority requesting further information...more

Can Fintech Startups Carry Out Crowd-Funding in Hong Kong?

What is crowd-funding? “Crowd-funding” is an umbrella term describing the use of small amounts of money, obtained from a large number of individuals or organisations, to fund a project, a business or personal loan, and...more

Blog: UK Treasury Select Committee To Investigate Adequacy & Appropriateness Of Crowdfunding Regulation?

The Chairman of the Treasury Select Committee (TSC), Andrew Tyrie MP, has written to the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) about crowdfunding. Although he doesn’t say so in terms,...more

Podcast: Evolution of Blockchain for Investment Management Companies and Hedge Funds

Pepper partner Gregory J. Nowak was joined for a West LegalEdcenter webinar by fellow Pepper attorneys Joseph C. Guagliardo, partner and chair of the firm’s Technology Practice, and Todd R. Kornfeld to discuss the evolution...more

Fintech and Striking a Balance Between Innovation and Consumer Protection

A topic of discussion at eMerge this year was the disruptive effect that Fintech is having within the financial sector. Fintech, which refers to the use of new technologies in the financial services industry to improve...more

Treasury Cites Cyber Challenges for Online Marketplace Lending Industry

On May 10, 2016, the United States Department of Treasury (Treasury) became the latest federal agency to highlight the importance of cybersecurity in the financial services industry. In its white paper, which follows last...more

Treasury Department Weighs in on Online Marketplace Lending

On May 10, 2016, the U.S. Treasury Department released a white paper entitled, “Opportunities and Challenges in Online Marketplace Lending.” The white paper is the result of a request for information that elicited more than...more

Treasury Releases White Paper on Online Marketplace Lending

The U.S. Treasury Department has released a white paper addressing the online marketplace lending industry. Based in part on the responses to Treasury's July 2015 Request for Information (RFI), the white paper offers a broad...more

Fintech Regulation: Recent Developments And Innovations

The past few years have been boom times for financial technology (fintech), with investments in fintech companies rising from $1.8 billion in 2010 to $19 billion in 2015 according to one study. Will recent regulatory...more

Your daily dose of financial news The Brief – 5.10.16

Big news out of the online lending space, as Lending Club’s chair and CEO—Renaud Laplanche—has resigned after an internal review “showed a violation of the company’s business practices” related to sales of $22 million in...more

Marketplace Lenders May Be Supervised by CFPB in 2017

The Consumer Financial Protection Bureau (CFPB) plans to begin supervising online “peer-to-peer” or “platform” lenders as soon as late 2017, according to the Wall Street Journal. The Journal reported that this oversight...more

Treasury Dept. marketplace lending findings expected to be released next week

The CFPB recently joined other federal regulators who have indicated a growing interest in marketplace lending with its announcement that it is accepting consumer complaints about loans obtained through marketplace lenders. ...more

U.S. - India Newsletter Vol. 2016, Issue 2

Welcome to the second issue of our newsletter, which features news and articles of interest from Pepper’s U.S.-India Practice. In the first quarter of 2016, we saw a lot of activity in the international data privacy...more

Technological and Information Concerns Highlight NAIC Spring 2016 National Meeting

The National Association of Insurance Commissioners (NAIC) Spring 2016 National Meeting, which was held from April 3 – 6 in New Orleans, offered insight into numerous issues being considered by state commissioners nationwide....more

Payment Across Apps—and Borders

Digital currencies like Bitcoin seem tailor made for social peer-to-peer payment applications. Transactions denominated in or convertible to digital currency could be withdrawn and transmitted by users at virtually no...more

UK Financial Regulatory Developments - April 2016 #7

PRA seeks views on equity release mortgages - PRA has issued a discussion paper seeking views on equity release mortgage valuation, capital treatment, risk management and associated matters. It is to consolidate views...more

Blog: Peer-To-Peer Lending: Updates From The FCA & HM Revenue & Customs

The FCA has published a “Statement on Peer-to-Peer applications for full authorisation“. As at 30 March 2016: 8 Peer-to-Peer (P2P) lending platforms had been fully authorised by the FCA...more

Your daily dose of financial news The Brief – 4.4.16

It appears that Alaska Airlines has won in the pursuit of Virgin America’s operations, beating out rival JetBlue for the former Richard Branson venture. Alaska announced this morning that “had agreed to acquire Virgin America...more

Blog: #Insurtech, And The Emergence Of Peer-To-Peer Insurance

Insurers and insurance distributors don’t usually think of themselves as emerging companies. These industries “emerged” more than 300 years ago; and they’ve been growing and developing ever since. So why is Cooley being asked...more

UK Financial Regulatory Developments - March 2016 #18

FCA finalises CCA first charge mortgage rules - FCA has published its policy statement and final rules following its consultation (see FReD 13 November 2015) on the treatment of first charge mortgages that are regulated...more

UK Financial Regulatory Developments - March 2016 #17

FOS publishes latest Ombudsman News - The latest edition of Ombudsman News focuses on cases relating to cars and debt management. (Source: FOS publishes latest Ombudsman News)... FOS responds to feedback on...more

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