Finance Law and Banking Law

The SEC has proposed sweeping amendments to expand retail investor access to private market strategies, including changes to performance-based compensation rules for registered investment advisers and modernization of the interval fund framework. The proposals also explore new credential-based pathways for individuals to qualify as accredited investors, potentially opening private offerings to a broader pool of eligible participants.

The UK's Financial Conduct Authority has published final guidance on its new cryptoasset regime with a firm implementation timeline, while the US Senate has stalled legislative progress on the CLARITY Act, leaving American regulators to build their framework through existing authority. This divergence creates significant practical implications for financial firms operating across both jurisdictions, particularly regarding authorization pathways, compliance structures, and cross-border coordination.

The consumer reporting system is experiencing significant transformation driven by artificial intelligence, alternative data sources, and consumer-permissioned financial information sharing. This podcast episode explores how these technological and regulatory developments are reshaping credit underwriting, dispute resolution processes, and the broader consumer reporting ecosystem.