Crowdfunding: Maturing with Regulation

  • Posted on 1st September 2016
Crowdfunding: Maturing with Regulation

In July, the Financial Conduct Authority (FCA) – the body that regulates loan-based and investment-based crowdfunding in the UK – launched a ‘call for input’ on the current rules applied to crowdfunding in the UK. The review comes two years after the FCA first took over regulatory responsibilities for this burgeoning sector. In the FCA’s own words, they “want to…

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Regulatory Sandbox – a new form of policymaking

  • Posted on 7th December 2015
Regulatory Sandbox – a new form of policymaking

The ways and means in which regulation is developed and implemented in the internet age have changed. Regulation across the globe can only follow the rapid expansion of new innovation and business models in, for example, online short-term rentals or car-sharing platforms. There is a continuing trend towards companies developing an idea and going to the market with it fast,…

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Capital Markets Union – What Does It Mean For The Fintech Industry?

  • Posted on 1st October 2015
Capital Markets Union – What Does It Mean For The Fintech Industry?

On a day when the entire financial services industry in the UK and in Continental Europe dissected the long-awaited – albeit leaked – European Commission Action Plan on Capital Markets Union, a few eyebrows were raised about some potential implications for the fintech community. Regulators at national and supranational level are still pondering over an optimal regulatory framework to promote…

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Capital Markets Union – a new framework for diversification

  • Posted on 26th June 2015
Capital Markets Union – a new framework for diversification

In February of this year, the European Commission unveiled its Green Paper for ‘Building a Capital Markets Union’. Over the coming five years it will be the flagship project for the Directorate General responsible for Financial Stability, Financial Services and Capital Markets Union (DG FISMA). The Green Paper clearly states that the European Commission’s objective is to stimulate economic growth,…

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What the future may hold for Fintech after the UK general election

  • Posted on 26th March 2015
What the future may hold for Fintech after the UK general election

With the UK General Election just six weeks away, the recent Budget was an opportune time for The Chancellor, George Osborne, to set out his stall and give the UK electorate a glimpse of what a Conservative-led Government after the election would prioritise. Among the macroeconomic announcements and promises were policies solely aimed at the growing financial technology (Fintech) sector….

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Europe considers investment-based crowdfunding regulation

  • Posted on 16th January 2015
Europe considers investment-based crowdfunding regulation

Crowdfunding is now considered a legitimate alternative form of finance for businesses across Europe. The sector continues to grow and shows no signs of slowing down. Investment-based (or equity) crowdfunding is no exception – according to a recent report by NESTA, this form of crowdfunding grew by 201 per cent in 2014.   This article will look specifically at regulatory…

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Bright future for alternative finance following Osborne’s announcement

  • Posted on 28th August 2014
Bright future for alternative finance following Osborne’s announcement

The American business magazine, Forbes, recently crowned London ‘the world’s most influential city’, paying special attention to the role it plays in leading innovation in technology. The accolade comes on the coattails of Chancellor George Osborne announcing the launch of a major new trade body for the UK FinTech industry, in London’s Canary Wharf.   The new organisation, called Innovate…

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UK moves ahead with crowdfunding regulation

  • Posted on 16th June 2014
UK moves ahead with crowdfunding regulation

The Financial Times recently reported that the amount lent by peer-to-peer websites internationally was almost $3bn in 2013, up from around $100m in 2007. There has been an equally impressive growth in the estimated number of crowdfunding websites, which have grown from 1,100 to 2,700 in the last year alone.   It is no surprise, therefore, that governments and regulators…

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