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Finance

Posted on in Finance/Government/Investment/Public Policy/Volume III

Community Credit Unions, California State Credit Unions, and Community Banks: American Bankers (2019) Reignites the Tax Exemption Debate and Highlights an Opportunity

By Johnathan Bender            I. Introduction: Already serving over 122.3 million members throughout the United States and with over $1.5 trillion in assets, credit unions (CU) have successfully competed with both small and large commercial banks for consumers over many decades.[1] As the CU membership field requirements are being relaxed and the services offered are being… Keep Reading

Posted on in Finance/Government/Public Policy/Volume III

Will the Consumer Financial Protection Bureau Start Regulating Commercial Lending to Small Businesses? A brief analysis of the current state of commercial regulation and evaluating its future

By Scott Natsuhara            We now live in a world where we are accustomed to heavy disclosures and regulations in our daily banking transactions. It may be hard to believe that before the Frank-Dodd Act, opening a bank account or applying for a loan required only a fraction of the paperwork.  Neither did applying for new… Keep Reading

Posted on in Finance/Investment/Public Policy/Volume II

The Razor’s Edge: How the Trump Administration is Loosening Dodd-Frank and the Ramifications of its Actions

By Nabi Menai             Perhaps one of the most cataclysmic events of the 21st century was the financial crisis that began in 2008. Not only did it send the United States into a historic recession, its effects reverberated around the world and the ramifications of the crisis can still be felt today. Banks and law… Keep Reading

Posted on in Finance/Real Estate/Technology

Blockchain Brick and Mortar: How Cryptocurrency ICO’s Will Revolutionize Real Estate Development

By Kevin M. Conway Introduction Real estate has always been, by its essence, a local endeavor.  The financing of real estate has likewise traditionally been tied to asset location.  But with blockchain technology providing nearly costless transactions and instantaneous access to global capital markets through Initial Coin Offerings (“ICOs”),[1]real estate developers are poised to benefit… Keep Reading

Posted on in Finance/Government

Department of Labor’s Fiduciary Rule and Impact on the Financial Industry

By Kevin Moore Background While the Department of Labor’s (“DOL”) well-intentioned adoption of the fiduciary rule for financial professionals arguably protects consumers, the Department’s altruistic motive will do more harm than good by hindering an unsophisticated consumer’s ability to receive adequate financial planning advice. The DOL’s action widens the definition of “investment advice fiduciary” under… Keep Reading

Posted on in Finance/Government/Tax

Subchapter Z of the Tax Cut and Jobs Act of 2017: Leveraging Growth Economics for Profit

By Claudia Lin The Tax Cut and Jobs Act of 2017 provided for the creation of opportunity zones, intended to stimulate the economy in low-income areas. The Act provides financiers and entrepreneurs with significant incentives to invest in qualified zones. Introduction With 52.3 million Americans living in economically distressed communities and 84.8 million living in… Keep Reading

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