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Searching Content indexed under Finance and Banking by David Beam ordered by Published Date Descending.
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1
House Takes First Step To Open Banking For Cannabis Companies
Legalization of certain cannabis-related activities by over 30 states has led to a surge in companies that grow and produce cannabis and related products.
United States
17 Apr 2019
2
California To Clarify Money Transmission Act Exemption Through Rulemaking
On February 8, 2019, the California Department of Business Oversight ("DBO") announced that it will undertake a rulemaking to clarify the exemption in the state's money transmitter
United States
19 Mar 2019
3
Prospect For Innovation Or Dust From The Litterbox? The Public Sifts Through Product Sandbox
A catastrophic end to consumer protection to some, and a long overdue attempt to reconcile law with technology to others, former CFPB Acting Director Mick Mulvaney's parting gift stirred up the financial services industry.
United States
18 Mar 2019
4
Bureau Proposes Improvements To Its No-Action Letter Process And A New Product Sandbox
Innovative companies face stiff challenges when trying to comply with moribund US consumer protection rules that have not kept pace with technological advancements in the financial services industry.
United States
4 Jan 2019
5
US Supreme Court Refuses To Review Ninth Circuit Lusnak Decision Requiring National Banks To Abide By State Interest-On-Escrow Laws
Yesterday, the Supreme Court announced that it would not review the Ninth Circuit's decision in Lusnak v. Bank of America, N.A., 883 F.3d 1185 (9th Cir. 2018).
United States
23 Nov 2018
6
Court Finds That Virtual Currency Is A Commodity—For The Time Being
On September 26, 2018, a US federal court found that virtual currency constitutes a class of items that are commodities under the Commodity Exchange Act
United States
12 Nov 2018
7
California Enacts TILA-Like Requirements For Business-Purpose Loans
New California legislation will impose disclosure requirements, similar to those under the federal Truth in Lending Act, on commercial-purpose loans of $500,000 or less, including arrangements...
United States
10 Oct 2018
8
TILA For Business Loans And Purchases Of Receivables? Factors, MCAs, Fintechs And Commercial Lenders Subject To New CA TILA-Like Disclosure Rules
California enacts a first-of-its-kind legislation imposing disclosure requirements on commercial purpose loans similar ...
United States
9 Oct 2018
9
If Only: US Treasury Department Report Creates A Wish Tree Of Financial Reform For Fintech
Regardless of whether its recommendations are achievable in whole or in part or merely aspirational, the US Department of Treasury's ("Treasury") report issued on July 30, 2018...
United States
10 Sep 2018
10
Commodity Futures Trading Commission Issues Advisory For Virtual Currency Pump-And-Dump Schemes
The purpose of this paper is to explain innocent actors in the virtual currency space (e.g. virtual currency exchanges, financial institutions, social media platforms) and how to avoid potential exposure...
United States
24 Aug 2018
11
Vision 2020 and NMLS 2.0 Focus on the Future of Fintech
Last week was busy for the financial technology industry (Fintechs) and non-bank regulators.
United States
19 May 2017
12
CFPB Issues Guidance On The New Prepaid Rule - While A Member Of Congress Seeks Its Repeal
Stay tuned for updates on whether the prepaid rule's future may truly be in jeopardy.
United States
8 Feb 2017
13
Supreme Court Agrees to Hear Credit Card Surcharge Case
On September 29, 2016, the U.S. Supreme Court agreed to review a decision that addressed whether state credit card surcharge restrictions are constitutional.
United States
5 Oct 2016
14
Beyond Regulation: What the CFPB Expects from Payments Processors (Webinar)
On Tuesday, August 2, 2016, at 2:00pm EDT, Mayer Brown and Paybefore.com will present a webinar on the CFPB's actions against payment processors for allegedly facilitating illegal transactions by their clients.
United States
26 Jul 2016
15
South Carolina Enacts Money Transmitter Law
Montana is now officially the only state in the United States that does not have a law regulating money transmitters.
United States
16 Jun 2016
16
Madden Update: Solicitor General Says the Second Circuit Got it Wrong—But that the Decision Should Still Stand for Now
The controversial decision in Madden v. Midland Funding, LLC, was "incorrect" and "reflects an unduly crabbed conception of [National Bank Act] preemption," said the Solicitor General and the Office of the Comptroller of the Currency ("OCC") ..
United States
1 Jun 2016
17
The Wait Continues: CFPB Further Delays Prepaid Account Rule
According to the CFPB's latest rulemaking agenda, the agency is pushing back to "this summer" release of the final rule on prepaid accounts.
United States
23 May 2016
18
Treasury Department Issues Marketplace Lending Report, Outlines Possible Regulatory Path
The Treasury Department acknowledges the potential benefits of permitting a relatively young, innovative industry certain flexibility to grow.
United States
20 May 2016
19
Madden In The Supreme Court: Where It Is, And Where It Could Be Going
Nearly everyone in the consumer finance industry is familiar with the May 2015 decision of the United States Court of Appeals for the Second Circuit in Madden v. Midland Funding, LLC.
United States
18 Apr 2016
20
Bank-Issued Prepaid Cards: Agencies Clarify Customer Identification Requirements
The Guidance also explains that the "customer" for purposes of a payroll card account established by an employer depends on whether the card can be reloaded from sources other than the employer.
United States
1 Apr 2016
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