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

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Financial TimesMonzo plans crowdfunding push to deepen ties with customersFinancial TimesBanking app Monzo is planning to launch one of the UK's largest crowdfunding efforts next year to give customers in the fast-growing bank what it calls “a greater share of ownership”. Tom Blo [...]

CNBCSome crowdfunding donors could be accidentally breaking tax lawsCNBCDonors may face tricky gift-tax rules, non-deductible donations and a lack of accountability when contributing online.and more » [...]

Popular ScienceTesla is crowdfunding its vehicles with big promisesPopular ScienceElon Musk announced an electric truck on Thursday night, as well as a surprise new Roadster. Tesla. At a theatrical, hype-filled event Thursday night in an aircraft hanger in Hawthorne, California, Elon [...]

TechCrunchMegaBots says it will shut down if it can't reach its next crowdfunding ...TechCrunchIt took a year and a half to finally come to pass, but last month the latest iteration of MegaBots' giant fighting robot finally did battle with a 6.5-ton machine from ...and more  [...]

LivemintGovt may exempt crowdfunding from Companies ActLivemintMumbai: The government may exempt crowdfunding activities from provisions of the Companies Act as it seeks to bring such fund-raising under the regulatory ambit of Securities and Exchange Board of India (Sebi), according t [...]

Inquirer.netLocal crowdfunding platform helps scale up businessesInquirer.netThere are a lot of nontangibles or nonmonetary benefits that you can get through crowdfunding. It allows you to build a community, validate your business idea, reach more people and be discovered. That's [...]

Sky NewsAusterity Christmas: Crowdfunding festive lightsSky NewsEngland's National Association of Local Councils has acknowledged that town halls are starting to embrace the concept of crowdfunding as a means of paying for non-essential services. Its chief executive Jonathan Owen [...]

The South AfricanCrowdfunding platform raises R50 million via contributions from 70 000 donorsThe South AfricanA crowdfunding campaign was set up in February 2016 to raise R60 000 for the procedure. Within three months the campaign had raised R 58 263.25. Thankfully, the crowd quickly [...]

e27Are crowdfunding and P2P lending good options for business financing?e27While startups traditionally rooted for venture capital as a form of financing, new models are emerging, including venture debt and the all-too-popular crowdfunding. In addition, bank loans are a very common op [...]

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What's Next Step in Regulation A+ JOBS ACTS Title IIII :L Interview : Steve Cinelli with Brian Korn Securities and Crowdfunding/Peer-to-Peer Lending Lawyer, Watch more video library | Conference | Interview | Campaign Showcase | Research | Education |