Posts Tagged ‘ P2P ’

SEC, NASAA Sign Info-Sharing Agreement for Crowdfunding

iDisclose Launches a Free “SEC Scrubber” Tool for Crowdfunding Issuers

iDisclose Announces Free Online Tool to Conform Documents to SEC Acceptable Format NEW YORK, NY–(Marketwired – August 17, 2016) – iDisclose announced today that it is offering a free online service to help issuers and their counsel submit the required crowdfunding documents to the Securities and Exchange Commission. iDisclose CEO Georgia Quinn explained that “we have noticed a lot of people are having trouble uploading the required documents to the SEC’s online system known as EDGAR. This is due to the finicky nature of the system and somewhat archaic technology it uses. Several issuers’ uploads were getting bounced and the error messages were indecipherable.” Many…

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REPORT: Is Marketplace lending A temporary phenomenon?

Crowdfund Beat Data Center: Deloitte Report MPLs are online platforms that enable investors to lend to retail and commercial borrowers. Unlike banks, MPLs do not take deposits or lend themselves; as such they do not take any risk onto their balance sheets. They make money from fees and commissions received from borrowers and lenders. The rise of Marketplace lending has urged many commentators to highlight the potential disruption that such new business models may bring to traditional banking. Our research presents a different opinion and instead concludes that MPLs do not currently have the competitive advantage needed to threaten this traditional banking model. However, while…

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What’s Seed Equity CrowdFunding, known as “REG CF Title III”?

By Rod Turner  founder and CEO of Manhattan Street Capital, Crowdfund Beat  Guest Editor, The SEC’s new Title III Equity CrowdFunding rules went into effect May 16th. These new rules expand Equity CrowdFunding to allow investors at all wealth levels to invest in startup companies. In June 2015, the SEC also enabled groundbreaking new rules called Regulation A+ which allow anyone to invest in startups and more established companies that need to raise up to $50 million. The capital raising landscape is making its biggest shift in decades. We now have an online fund raising continuum that extends from startups raising seed capital of as…

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Trouble In Paradise: Lending Club And Prosper

By Mark Roderick CrowdFunding Beat  Sr. contributing editor and crowdfunding attorney with Flaster/Greenberg PC. Lending Club and Prosper are going through a rough patch. Renaud Laplanche, the CEO and founder of Lending Club, just resigned amid allegations of financial irregularities, while Prosper recently laid off more than a quarter of its employees. But those are only the ripples on the pond’s surface. What’s going on underneath is that Wall Street is losing faith in the business model – that is, losing faith in the quality of the loans made on the Lending Club and Prosper platforms. Not long ago, Wall Street financial institutions couldn’t get enough of Lending Club and…

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Is this the End of Marketplace Lending?

By Dara Albright,CrowdFunding Beat Sr.Guest Editor, Co-founder of the LendIt conference& the FinFair Conference, Monday’s news that Renaud Laplanche was stepping down as Lending Club’s CEO sent shockwaves throughout the industry – particularly coming hard on the heels of industry layoffs and disappointing earnings announcements. Since Monday morning, the alarmists have been out in full force, nonsensically declaring the end of marketplace finance and FinTech in general. But what some may consider the end, I view as a new beginning. “What the caterpillar calls the end of the world, the master calls a butterfly.” – Richard Bach Cynics, I have a newsflash for you. When the automobile industry…

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REPORT: Opportunities and challenges in online marketplace lending

  By John M. Pachkowski, J.D. The Treasury Department has released a white paper regarding its review of the online marketplace lending industry that commenced with the Treasury Department’s Request for Information in the summer of 2015. The white paper entitled, “Opportunities and Challenges in Online Marketplace Lending,” provides an overview of the evolving market landscape, reviews stakeholder opinions, and provides policy recommendations. The white paper also acknowledges the benefits and risks associated with online marketplace lending, and highlights certain best practices applicable both to established and emerging market participants. It should be noted that the white paper explicitly stated that “this document is not an…

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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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Can retail investors compete with hedge funds in p2p ?

George Popescu Founder and Editor in Chief (Lending Times), Partner ( LunaCap Ventures), Board of Advisors (Gatecoin, AltOptions) CrowdfundBeat Guest post LendingRobot is claiming that it is difficult for retail investors or even high net worth individuals to manage so many micro-loans and to simultaneously compete with hedge funds looking to scoop the best loans under microseconds. Peer-to-peer lending was designed to provide a platform to the investors and borrowers to lend and borrow money without the intrusion of a financial intermediary. Investors need LendingRobot’s algorithms to compete with Hedge Fund algorithms to get the best returns out of these sites. LendingRobot was co-founded by Emmanuel Marot and…

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The Future of P2P and Online Lending

By Dara Albright, CrowdFunding Beat Guest Editor, Co-founder of the LendIt conference & the FinFair Conference, LendIt – Once Again Helping Predict the Future of P2P and Online Lending 1996 was great year.  Hootie & the Blowfish were packing stadiums. Cellphones were just starting to get a little bit smaller than that monstrosity famously used by Michael Douglas in the 1987 classic film, “Wall Street”. Starbucks opened its first store outside of North America, gracing Asia with custom lattes. The infrastructure to support this new invention called the Internet was developing. Money was pouring into NASDAQ as a new generation of technology stocks were setting IPO records. It…

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On 4th Anniversary of the JOBS Act, Crowdfunding Advocates are Optimistic

CrowdFund Beat News Wire, WASHINGTON, April 5, 2016 /PRNewswire-USNewswire/ — Four years ago today on April 5, 2012, President Obama signed the Jumpstart our Businesses Startup Act (JOBS Act) into law in the Rose Garden of the White House. The overwhelmingly bipartisan bill, which focused on stimulating the U.S. economy by promoting capital formation and private sector jobs, represented what is possible in Washington, DC when both parties get behind ideas that are good for the country. Four years later the final piece of the JOBS Act, “Title III” crowdfunding, will take effect on May 16, 2016. Sherwood Neiss, Principal at Crowdfund Capital Advisors and…

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Marketplace Lenders Next on The CFPB Chopping Block

Marketplace Lenders Next on The  CFPB Chopping Block

The CFPB’s actions are likely the first steps in identifying consumer issues with marketplace lenders. The Consumer Financial Protection Bureau (CFPB or Bureau) is flexing its muscles once again, and this time the target is marketplace lenders. In a surprising move, the CFPB announced on March 7 that it would be accepting complaints on consumer loans from online marketplace lenders. The Bureau also released a consumer bulletinto provide an overview of marketplace lending and things for consumers to consider before taking out a loan.           Consumer Complaint Database The consumer complaint database will allow for consumers to make complaints against marketplace…

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HEADLINE NEWS

Daily MailNick Clegg crowdfunding former Deputy PM appeals donations ...Daily MailLib Dem MP Nick Cleg is 'crowdfunding' to help bankroll the publication of thousands of party leaflets for canvassing ahead of the re-election bid in Sheffield ...and more » [...]

Android Authority (blog)Crowdfunding project of the week: BIKI is an underwater drone that ...Android Authority (blog)Drones are fun, but they can only move through air. We know plenty of you prefer to go underwater. If so, BIKI is for you.BIKI Robot Fish Paddles Past Crowdfunding Goa [...]

Hall alone in vote against rape kit crowdfundingRockwall County Herald Banner“Rape kit testing is far too important to rely on an undependable funding source like crowdfunding. This is a core function of government and as such it should be funded by government. Victims deserve to know [...]

Virginia Tech launches its own crowdfunding site to reach new generation of donorsRoanoke TimesOne of the first four pilot projects that went live on Jump, Tech's crowdfunding website, lets users pay for as little as one local child to attend educational programming by the Moss A [...]

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 [...]

Youris.comCrowdfunding boosts green powerYouris.comWith state subsidies falling, crowdfunding platforms are increasingly stepping in to help make green power projects a reality. For individual investors, injecting anything from a few euros to hundreds of thousands, they are a tangiabl [...]

Tech City NewsWhy are more and more tech firms turning to crowdfunding?Tech City NewsWhen Facebook bought virtual reality firm Oculus VR for £2bn (£1.3m) in 2014, the crowdfunding world looked on with amazement. Oculus, founded in California in 2012, had raised its crucial first $2m o [...]

Crowdfund InsiderResearch on Risk Shows Crowdfunding Has Significant Fraud Immunity: Here's WhyCrowdfund InsiderIt may be counterintuitive but the research has been done and the results are now in – and it's as we've been saying for almost five years. Fraud in crowdfund [...]

Finance MagnatesEthereum Alternative Æternity Starts Phase Two of Crowdfunding CampaignFinance MagnatesÆternity's blockchain is built from scratch with most of the transactions done off-chain for speed and efficiency. Avi Mizrahi | News (CryptoCurrency) | Monday, 29/05/2017|14:55 [...]

Devon LiveCrowdfunding page set up for family of boy who died after drug use ...Devon LiveA fundraising page has been set up in memory of a 15-year-old boy who died on Friday night after taking a recreational drug at a youth disco. Yesterday Devon ...and more » [...]

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