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Chancellor of the Exchequer Jeremy Hunt to Reveal Spring Budget, Fintechs Share Opinions

Tomorrow (March 6, 2024), the Chancellor of the Exchequer Jeremy Hunt will reveal the Spring Budget. Will there be tax cuts? Will ISAs be expanded?  Will the inheritance tax go away? We will know soon enough. As there is an election looming, you can expect… Read More

Common Stock vs. Preferred Shares in Crowdfunding: Investors Should Understand Common Equity in Crowdfunded Offerings

  Numerous types of private securities are being sold to investors via online investment platforms. Investment crowdfunding has opened up a new market for all investors – including non-accredited investors. While debt is less risky than equity, in general, the returns may be limited if… Read More

Access to Capital: British Business Bank Says Bank Lending Declined in 2023, Equity Capital Down Too

Research conducted by the British Business Bank reports that bank lending dropped in 2023, delivering an amount similar to 2016. At the same time, equity capital in smaller firms cratered to levels near those in 2020. When looking more closely at private equity financing, 2023… Read More

Investment Crowdfunding Trends in the US: Report

  Crowdfund Capital Advisors (CCA) has published a new report that investigates trends in online capital formation under Reg CF (Regulation Crowdfunding). CCA was co-founded by the creators of the JOBS Act – the legislation that legalized investment crowdfunding. While the bill was signed into… Read More

Senator Tim Scott Wants Capital Markets to be More Inclusive, Expand Definition of an Accredited Investor, Make the SEC More Accountable

Senator Tim Scott, the ranking member on the Senate Banking Committee, wants to make the capital markets more inclusive. In a recent op-ed, Senator Scott said his new Empowering Main Street in America Act framework would “enhance financial education programs to increase market understanding and participation,… Read More

Apple BNPL Users Will Have their Payment History Reported to Experian

Apple (NASDAQ:AAPL) released a buy now pay later (BNPL) product a year ago. Expectations are for a more extended credit option to appear soon as Apple continues its ongoing expansion into financial services. Today, Experian has shared that Apple BNPL users will now have their… Read More

SEC Small Business Capital Formation Advisory Committee to Tell Commission Don’t Raise Accredited Investor Wealth Hurdles, Seeks to Make Definition More Inclusive

Yesterday (February 27, 2024), the Securities and Exchange Commission (SEC), Small Business Capital Formation Advisory Committee (SBCFAC), met to discuss several issues of importance that impact early-stage firms. Perhaps the most pressing issue is the definition of an Accredited Investor – a rule the Commission… Read More

Chatter: Treasury Prime Laying Off Staff, Company to “Double Down” on Bank Direct Approach

Treasury Prime, an embedded banking provider, is said to be laying off staff, according to a blog post. Today, the company has issued a statement outlining that it will shift its efforts to regulated banks. Jason Mikula, posting on LinkedIn,  claims that Treasury Prime has… Read More

Lin Dai from Superlogic Explains How Financial Technology Can Enhance Loyalty Programs

The cost of acquiring new customers is 5-7X higher than retaining one, particularly in a tight economy. That is why Superlogic is announcing an exclusive opportunity for all American Express merchants to gain access to enterprise-grade loyalty and connected commerce software that will turbocharge customer… Read More

The Death Trap: How Startups Risk It All to Go Public

  My father-in-law always used to say, “If you sleep with dogs, you wake up with fleas.” Well, increasingly, it seems many founders – and their early investors – are discovering how painfully true that is, as the promise of an early IPO turns into… Read More

Senate Legislation Aims to Boost Cap on Reg A+, Expand Definition of an Accredited Investor

While the Securities and Exchange Commission (SEC) may be trying to make it more difficult to be deemed an Accredited Investor, thus disenfranchising more individual investors, recently legislation was introduced into the US Senate that would broaden the definition. S 3709, or the “Investment Opportunity… Read More

Justin Wickett, CEO of InformedIQ Explains How AI and Machine Learning Are Transforming the Way Auto Lenders Use OCR Tech

Lenders are increasingly frustrated with OCR (optical character recognition) solutions that are designed to read data off paystubs, but they’re only pulling text from the documents. They also aren’t an end-to-end solution helping lenders comply with ECOA and Fair Lending. Many OCR tools also focus… Read More

Crowdfund Capital Advisors Founder Voices Support of the Expanding Access to Capital Act: “It’s a commitment to America’s spirit of enterprise”

Sherwood “Woodie” Neiss, Principal and co-founder of Crowdfund Capital Advisors (CCA), has sent a letter to Congress supporting HR 2799 or the Expanding Access to Capital Act – legislation that is designed to help entrepreneurs and small businesses while boosting the economy. The letter has… Read More

Small Business and Enterpreneurship Council Warns that New Independent Contractor Rule will Destroy Jobs, Undermine Entrepreneurs

The Small Business and Entrepreneurship Council (SBE Council) is warning that there are profound policy threats that would deeply harm US entrepreneurship. Perhaps most pressing is the new rules under the Biden Administration that would conflagrate Independent Contractor status. These new rules go into effect… Read More

Kadan Stadelmann of Komodo Comments on Ripple v. SEC Lawsuit

Crowdfund Insider recently caught up with Kadan Stadelmann, a blockchain developer, operations security professional, and Komodo Platform’s CTO. As a side note, Komodo, a blockchain interoperability and atomic swap technology leader, recently rebranded its flagship end-user application from “AtomicDEX” to “Komodo Wallet” and its “AtomicDEX… Read More

The SEC Small Business Capital Formation Advisory Committee to Address Definition of an Accredited Investor Once Again

The Securities and Exchange Commission’s (SEC) Small Business Capital Formation Advisory Committee (SBCFAC)will reconvene once again to discuss the definition of an Accredited Investor. At the same meeting, the Committee will review the status of the IPO market in the US along with several other… Read More

Cambridge Centre for Alternative Finance Founder Bryan Zhang Appointed to the Board of the UK Financial Conduct Authority

Bryan Zhang, the co-founder and Executive Director of the Cambridge Centre for Alternative Finance (CCAF), has been appointed to the Board of the UK Financial Conduct Authority (FCA). Zhang commenced his initial three-year term as a non-executive Director today (February 19, 2024). The FCA is… Read More

Yaacov Martin, CEO of Jifiti, Discusses Evolution of B2B Buy Now Pay Later (BNPL) Space in Canada

Yaacov Martin, CEO of Fintech firm Jifiti, a company focused on consumer financing and B2B lending experiences for lenders and merchants, recently shared his views and insights with Crowdfund Insider. For context, embedded finance helps with the incorporation of a range of financial services directly… Read More

Reg A+ Update: Data Highlights Performance in this Sector of Crowdfunding

Data pertaining to online capital formation, or crowdfunding, can be hard to come by. Several providers provide good numbers when it comes to Regulation Crowdfunding (Reg CF), but when it comes to Reg A+ and Reg D 506c – it is a bit of a… Read More

Temenos Hit by Short Seller Statement, Banking Software Provider Says Short Seller is Wrong

Hindenburg Research, a short seller that pumps its own book after it sells shares, is targeting Banking as a Service (BaaS) provider Temenos (SWX:TEMN). In a report published today, Hindenburg claims that Temenos is manipulating its earnings, hiding accounting irregularities while engaging in “sham partnerships”… Read More