Marketplace Lending

The UK’s New P2P Lending Rules: Storm In A Water Glass or Game Changer?

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Today is the day that the new crowdfunding rules for P2P lending platforms come into force. With great anticipation the industry has tried to prepare itself for the impact as the new rules seek to address a number of essential aspects of the business models of crowdfunding platforms. An increasingly complex sector, platforms making decisions …

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Protected: What the heck is LendTech

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FCA consults on rules for lending platforms

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Today the Financial Conduct Authority (FCA) published a Call for input to the post-implementation review of the FCA’s crowdfunding rules. In this paper the regulator sets out some of the recent developments across the crowdfunding sector and a number of concerns that the FCA has identified in response. The FCA wants to gather feedback from all interested parties relating to …

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UK regulators to review crowdfunding for stronger consumer protection

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The legislative framework of crowdfunding in the UK might come under scrutiny soon as a parliamentary committee has asked both the Financial Conduct Authority and the Bank of England for their views on crowdfunding and its risks and opportunities. Andrew Tyrie, chairman of the treasury committee, wrote to Tracey McDermott, the acting chief executive of …

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FinTech Country Report: Switzerland

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Switzerland traditionally has a strong banking sector, so it’s not surprising for the country trying to establish itself as a leading FinTech hub. Somewhat in need of diversification following the increasing pressure on its private banking activities with the de facto end of the famous Swiss bank secrecy as well as the increased competition from …

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French government aims to raise the ceiling of equity fundraising

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The French Minister of Economy, Emmanuel Macron, spoke at the annual meeting of the Association of French crowdfunding platforms, Financement Participatif France, where he proposed several changes of the French regulation of crowdfunding. One of the proposals was that the government will propose to raise the ceiling of equity fundraising per issuer from currently €1 …

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FCA clarifies P2P lending authorisation

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The FCA today published a statement on peer-to-peer applications for full authorisation. The FCA stated that “this is a young and innovative market and it expects the Innovative Finance ISA, which launches on 6 April, to further increase consumers’ awareness of peer-to-peer lending (P2P). The FCA is keen to promote effective competition in this market. We …

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P2P and Marketplace Lending – An Introduction

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The original idea behind Marketplace Lending, often synonymously used with P2P Lending, comes from loans being made between peers, i.e. peer-to-peer excluding traditional financial institutions as the middleman. Personal loans obviously are nothing new, but like in many fields the internet has become the game changer since it has introduced online platforms where borrowers and …

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Crowdfunding Country Report: UK

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The Financial Conduct Authority (FCA) is the responsible regulator in the UK for loan-based crowdfunding platforms as well as investment-based crowdfunding platforms. It has set out new rules in March 2014 for these activities in its Policy Statement PS14/4 “The FCA’s regulatory approach to crowdfunding over the internet, and the promotion of non-readily realisable securities …

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What is Crowdfunding?

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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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The UK’s New P2P Lending Rules: Storm In A Water Glass or Game Changer?

Protected: What the heck is LendTech

FCA consults on rules for lending platforms

UK regulators to review crowdfunding for stronger consumer protection

FinTech Country Report: Switzerland

French government aims to raise the ceiling of equity fundraising

FCA clarifies P2P lending authorisation

P2P and Marketplace Lending – An Introduction

Crowdfunding Country Report: UK

What is Crowdfunding?

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