Regulating Proxy Discrimination in Insurtech

Hold on tight–AI will create fundamental challenges to Insurance Law, as well as the norms that guide it  Anya Prince is an associate professor at the University of Iowa, and Daniel Schwarcz is the Fredrikson & Byron Professor of Law at the University of Minnesota. Like many other domains of finance, insurance is being fundamentally transformed … Read more

Not Just a Sandbox: the CFPB’s Proposed Innovation Agenda

The CFPB’s Innovation Agenda is Much More than Meets the Eye  Eric Goldberg is a Partner at Akerman LLP and former Managing Counsel for Regulations at the CFPB. *This story was originally published for Fintech Policy in January 2019 On December 13th, the CFPB took a substantial step towards improving the regulatory climate for fintech innovation … Read more

Valuing Cryptocurrencies As . . . Currencies?

Daniel Gorfine is the CFTC’s Chief Innovation Officer and Director of LabCFTC  This essay solely reflects the views of the author and does not reflect the opinions or views of the Chairman, Commissioners, or the CFTC. Invariably, people who follow cryptocurrency debates have heard the following – quite sensible sounding – statement more than a few … Read more

Blockchain Poisoning and the Proliferation of State Privacy Rights

Blockchains may present irreversible (legal) problems where data are stored on-chain  Jenny Leung is an attorney at Blakemore, Fallon, Garcia, Rosini & Russo, PLLC, and Josh Garcia is a Principal and Co-Founder of Ketsal Consulting, LLC and Blakemore, Fallon, Garcia, Rosini & Russo, PLLC State legislatures have recently taken up the mantle of consumer privacy … Read more

A Franco-German Regulatory Strategy for Crypto Assets Is Starting to Emerge—and ahead of the EU

A Regulatory Approach for Crypto is Congealing with the Efforts by the EU’s Most Powerful Member-States  Jennifer D’hoir is Senior Advisor, Innovation & FinTech at Gide 255, and Katja Langenbucher is a law professor at Sciences Po, in Paris, France Financial innovation has been put under increased regulatory scrutiny, in particular at the EU level since the publication of … Read more

A New World: Crypto-Exchanges and the EU’s Sixth Money Laundering Directive

A Paradigm Shift is Coming to Europe’s Oversight of Virtual Currencies  Gabriel “Gabe” Hidalgo is a managing director at K2 Intelligence.  His bio can be found here. With recent announcements from the Financial Action Task Force about upcoming cryptocurrency regulation in 2019, increased money laundering penalties laid out in the EU’s Sixth Anti-Money Laundering Directive, and the … Read more

Artificial Financial Intelligence and the Future of Finance

William J. Magnuson is an Associate Professor at Texas A&M University School of Law Recent advances in the field of artificial intelligence have revived long-standing debates about what happens when robots become smarter than humans.  Will they destroy us?  Will they put us all out of work?  Will they lead to a world of techno-savvy haves and techno-ignorant … Read more

Crypto Considerations for Fund Managers

Private funds investing in digital assets have exploded in popularity—but pose unique legal risks David Felsenthal, Steven F Gatti, Philip Angeloff, David Adams, Ashwini Habbu, and Jesse Overall are attorneys with Clifford Chance, LLP. Private funds investing in blockchain-based digital assets have exploded in popularity in recent years. According to the consultancy Crypto Fund Research, there … Read more

Financial Health for the Future of Work

The Future of Work Needs Sound Retail Financial Services to Support it, and the Numbers Back it Up Usman Ahmed is the Head of Global Public Policy, PayPal.  Ivy K. Lau is the Social Innovation Manager, PayPal The future of work debate has sparked a set of important conversations about how to change fundamental institutions like health … Read more

Book Review: Blockchain Regulation and Governance in Europe

Elizabeth Jacobs is an attorney with the Securities and Exchange Commission  Distributed ledger technology (DLT) has become something of a trope. It has been proposed as a currency, as a tool for “smart contracts,” for cheaper clearing and settlement, and as a governance mechanism for everything from data identifiers to actual human voting. Michele Finck’s new book, … Read more