SEC

Just another day…..

  By Steve Cinelli , CrowdFund Beat Sr. Editor, @stevecinelli Quite the events in the marketplace finance sector over the last week.   Originally icons, now fallen stars, Lending Club (LC), OnDeck Capital (ONDK) and Prosper (PSPR) are exhibiting possible growing pains or even further symptoms of a more serious condition, namely questionable business models. It seemed only yesterday that firms such as Goldman Sachs and execs like Jamie Dimon expressed anxiety about the challenges to the conventional banking business that these new models would bring on.  Deal and profit erosion was the concern as these nascent yet compelling platforms were accomplishing what the banking industry couldn’t,…

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Why VCs Do Not Like Equity Crowdfunding

By Howard Marks Executive Chairman and co-founder at StartEngine Crowdfunding CrowdFund Beat Guest Post, In April 2012, President Obama signed the JOBS Act and announced that Americans will now have access to the capital they need from ordinary investors. Yet the media received the declaration quietly — meaning most U.S. citizens remained blissfully unaware of this revolutionary new regulation. The venture capital industry is probably one of the most vital sources of risk capital for our economy. It has produced the industry giants that command worldwide success: Google, Apple, Microsoft, etc. Without VC, most of those businesses would have never existed. Moreover, VCs have significantly contributed to our country’s technological success. Most people…

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Blue Sky, Regulators, Crowdfunding and “The Crowd”

Blue Sky, Regulators, Crowdfunding and “The Crowd”

By Paul Niederer Founder Raiseworth, CrowdFundBeat Sr. Guest Editor, What the crowdfunding industry has taught us worldwide is that “the crowd” will “out” a bad actor long before any of the regulators do. Regulators came out of the USA “blue sky” laws written state by state between 1911 and 1931. In these times there was no internet, little communication from town to town, regulators used broad laws to catch bad actors when they needed to, and when they found them. They may have got “tip offs” but as can be seen in this article the regulator often chooses their target.           It was…

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State of the Nation

By Steve Cinelli , CrowdFundBeat Sr. Editor, @stevecinelli We use the term “democracy” to describe our governmental structure.  Characteristic of such a term evokes “everyone has a vote”, “everyone has a say”, and that the majority, of equals, should determine the outcome.  This premise, no matter how noble, is flawed.   In the current state of political affairs, we are witnessing tremendous vitriol, overwhelming divisiveness, that those outside of our country are wondering what reality show has gone mainstream.  Or even further, might they be experiencing the implosion, if not demise of the greatest nation on earth before their eyes?     The United States is not…

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IRA Services Launches P2P Lending’s First Cloud-based API Driven Retirement Investment Solution

CrowdFund Beat News Wire,           San Carlos, CA — (April 6, 2016) – IRA Services, the leading provider in custodial trust solutions for non-exchange traded investing, is pleased to announce that it will be unveiling the ISCP™, the first and only real-time cloud-based API driven retirement investment solution for the P2P industry, at LendIt 2016, the world’s largest conference connecting the global online lending community taking place on April 11-12 at the San Francisco Marriott Marquis. The ISCP ™ allows real-time access to over $12 trillion dollars of capital for the P2P industry by providing platform investors with the ability to effortlessly fund…

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Guide to Investment Crowdfunding and the JOBS Act

by Geri Stengel Less than 1% of all companies in the United States finance their operations through venture capital. For the other 99%, the Securities and Exchange Commission (SEC) and many state regulators are loosening the rules and regulations regarding raising money from accredited investors and the general public. An Introduction to the JOBS Act Congress approved the Jumpstart Our Business Startups (JOBS) Act with tremendous bipartisan support on April 23, 2012. The act provides a framework for public solicitation and advertising of a company’s securities offering via equity crowdfunding platforms. Over the following three and half years, the SEC began to put into place…

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Defining an Accredited Investor

By Chris Rohde Wealthforge,  Crowdfund Beat Guest post,  In the world of private placements under Regulation D, there are many questions that must be asked in the process of conducting a successful offering. However, one question rises above the rest: “Is the investor an accredited investor?” Answer yes, and the investor may enter the offering. Answer no, and the investor is likely sent packing. So, what is an “accredited investor” exactly? Under Regulation D, there are several categories of accredited investors. While all of these are laid out in the rule, in particular 17 C.F.R. 230.501, most individuals who invest in a Regulation D offering accredit via…

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Did a Tech Bubble Just Burst in the Midst of a FinTech Revolution?

Did a Tech Bubble Just Burst in the Midst of a FinTech Revolution?

by Dara Albright, CrowdFunding Beat Sr. Guest Editor, Co-founder of the FinFair Conference, For the past few years I have been renouncing any indication of a tech bubble and instead have been spewing the notion that we are in the midst of a Financial Revolution. But now as the stock market crumbles, the IPO market dries up, as venture capitalists grow much more selective, as valuations of tech studs like LinkedIn are being slashed in half, and with FinTech leaders like Lending Club down over 65% since its public debut, a lot of people have been asking me whether my stance has changed.         The only…

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REG A+ Elio Motors: The company now has a $1B market value at OTCQX

By Jonathan B. Wilson  partner in the Atlanta business law firm of Taylor English  CrowdFundBeat Sr. Guest Editor, Elio Motors (OTCQX: OTCM), one of the first companies to use the expanded offering potential in Regulation A+, has listed its securities for resale on the OTC QX market. “We are proud to welcome Elio Motors, the first company to raise capital online and go public on OTCQX under the JOBS Act Regulation A+,” said Jason Paltrowitz, Executive Vice President of Corporate Services at OTC Markets Group. “OTC Markets Group welcomes innovators and entrepreneurs and is proud to offer the market of choice for the new generation of…

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Equity Crowdfunding But Whose Crowd Is It?

by Paul Niederer CrowdFundBeat Sr. Contributing Editor, This article with an Equity crowdfunding headline got me thinking. First equity crowdfunding deal in Australia for 2016 raises more than $675,000 To an entity getting funded to the tune of $675,000 is a great achievement. For a platform to facilitate this is also a great achievement. Well done! However the phrase “With three days still remaining, it has raised $675,000 from 15 wholesale investors” shouldn’t be the substance for a headline like “First equity crowdfunding deal in Australia for 2016 raises more than $675,000”. Even before the words equity crowdfunding evolved an entity could always receive $675,000 from 15…

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4 Key Equity Crowdfunding Campaign Communication Strategies

4 Key Equity Crowdfunding Campaign Communication Strategies

Epi Ludvik Nekaj 宇 赫 Founder & CEO at Crowdsourcing Week, What does it take to communicate an equity crowdfunding campaign successfully? How to best rally your own crowd of fans to action as well as grab the attention of new potential investors? Here are the top communications takeaways we gained during Crowdsourcing Week’s equity crowdfunding campaign.           #1) Build systematic internal and external communication channels Communication is your lifeline when launching a crowdfunding campaign. If you already have your set of rules on internal communication, you must also take into considerations the external communication system to your community – which is…

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“Title III Equity CrowdFunding” Regulation & Registration

“Title III Equity CrowdFunding” Regulation & Registration

By Martin Tate, Partner CARMAN LEHNHOF ISRAELSEN LLP, CrowdFund Beat   Sr. Guest  Contributor, On November 16, 2015, the Securities and Exchange Commission (“SEC” or “Commission”) approved new rules, regulations and forms to permit companies to offer and sell their securities through approved crowdfunding portals in reliance on the exemption under Section 4(a)(6) of the Securities Act of 1933 (“Securities Act”).  These new rules implement the requirements of Title III of the Jumpstart Our Business Startup (“JOBS”) Act.             The Commission set forth the regulatory framework for registration of crowdfunding intermediaries, which include broker-dealers and certain intermediaries established solely to facilitate crowdfunding transactions, referred…

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HEADLINE NEWS

TIMECrowdfunding Campaign Raises $40000 for Homeless Man who Helped Manchester Terror Attack VictimsTIMEA series of crowdfunding campaigns have raised more than £31,000 ($40,000) in support of a homeless man who said he rushed to the aid of people wounded in Monday night's suicid [...]

seattlepi.comCrowdfunding campaign hopes to save Belltown grunge meccaseattlepi.comLess than a week after the death of Soundgarden frontman Chris Cornell, another piece of Seattle's rock history is in danger of being lost. 2316 2nd Avenue, the building housing blacksmith shop Bla [...]

Hollywood ReporterAdam Carolla Launches Crowdfunding Campaign for 'No Safe Spaces' MovieHollywood ReporterComedian and podcaster Adam Carolla and radio host Dennis Prager have been filming their movie about political correctness at universities for several months, but now th [...]

QuartzDonating to my older sister's friend: Crowdfunding is paying for urgent healthcare in ChinaQuartzHolding her six-year-old son, Deng Na's looks into the camera, her face both tired and determined. The picture accompanying the online crowdfunding call for her son Chen Ju [...]

New York MagazineFacebook Rolls Out Crowdfunding to EveryoneNew York MagazineDepending on your perspective, the rise in popularity of crowdfunding is either a fantastic new way that the internet lets strangers help each other out, or emblematic of the decay of institutional safeguards [...]

Business InsiderA crowdfunding campaign to support the families of Manchester attack victims has raised £750000 in a single dayBusiness InsiderA crowdfunding campaign to raise money to provide support for the families of those injured and killed in the Manchester terrorist attack has [...]

KTALTexas lawmaker starts crowdfunding campaign for school lunchesKTALAUSTIN, TX - A Texas state lawmaker is looking for donations to pay off debt Texas students rack up in school cafeterias. Partnered with Feeding Texas, Rep. Helen Giddings, D-DeSoto, launched a statewide crowd fundi [...]

Marketplace.orgCrowdfunding has created a whole new consulting industryMarketplace.orgWhen crowdfunding sites like Kickstarter and Indiegogo first got their start, the idea was that all an entrepreneur needed was a cell-phone camera and a dream.and more » [...]

CurbedNew real estate crowdfunding site focuses on community developmentCurbedCrowdfunding has existed for years, and other firms, such as FundRise and Realty Mogul, have focused on property development, but the Small Change model offers a new spin for the real estate space. For years [...]

The Australian Financial ReviewPrivate companies face public conundrum under new crowdfunding rulesThe Australian Financial ReviewThe Federal Budget extended crowdfunding opportunities to private companies, but a closer look at the amended legislation reveals they may still be forced [...]

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