FinTech

What is Crowdfunding?

Basically, Crowdfunding is a just a type of financing. Described as the “pennies from the many” model, it’s key differentiator is that the money is raised from a large number of people, often through internet platforms that mediate and manage the process. Thus, Crowdfunding needs at least two participants, i.e. the initiator who proposes an …

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HM Treasury publishes consultation results on ISAs for investment based crowdfunding

HM Treasury has published the results of its consultation on whether to include investment based crowdfunding in ISAs. The response to the consultation summarises the comments received and sets out the government’s decisions on how to proceed. This includes the decision to extend the list of qualifying investments for the new Innovative Finance ISA to …

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Crowdfunding: Mapping EU markets and events study

The European Commission launched a study to gather and analyse data on crowdfunding markets across the EU as well as to analyse market trends, and carry out events studies to see how national legislations may have impacted the markets. The report considers key trends in the European crowdfunding market during 2013 and 2014, encompassing a …

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SEC Adopts Rules to Permit Crowdfunding

The Securities and Exchange Commission today adopted final rules to permit companies to offer and sell securities through crowdfunding.  The Commission also voted to propose amendments to existing Securities Act rules to facilitate intrastate and regional securities offerings.  The new rules and proposed amendments are designed to assist smaller companies with capital formation and provide …

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ESMA Chair Maijoor speaking on potentials of and challenges for EU crowdfunding

The Chair of the European Securities and Markets Authority (ESMA), Steven Maijoor, has today delivered a keynote speech to the 4th Crowdfunding Convention organised by the European Crowdfunding Network’s (ECN)  in Paris, France. In his speech Maijoor stressed the potentials, evolution and challenges of European crowdfunding from a regulatory view-point. ESMA’s aim is to enable …

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ESMA issues Q&A on anti-money laundering and investment-based crowdfunding platforms

The European Securities and Markets Authority (ESMA) has issued Questions and Answers (Q&A) in order to promote the sound, effective and consistent application of rules on anti-money laundering and terrorist financing to investment-based crowdfunding platforms. The Q&A aims to promote common supervisory approaches and practices in the application of anti-money laundering rules to investment-based crowdfunding. It …

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FCA publishes review of regulatory regime for crowdfunding

The FCA on 3rd Februay has published its review of the regulatory regime for crowdfunding and the promotion of non-readily realisable securities by other media. The review focuses on the kinds of crowdfunding activity that is regulated by the FCA: Loan-based crowdfunding crowdfunding platforms,2 on which people lend money to individuals or businesses in the …

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