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Oct 13, 2021: OSC virtual roundtable on ‘Rethinking Diversity in Capital Markets’

OSC | Aug 25, 2021 (last updated Sep 16)

Diversity in finance - Oct 13, 2021:  OSC virtual roundtable on 'Rethinking Diversity in Capital Markets'

The OSC is hosting a virtual roundtable to discuss whether, and how, the disclosure needs of Canadian investors, and corporate governance practices among public companies have evolved.  Panelists will speak about the benefits, challenges and experiences associated with the consideration of broader diversity on boards and in executive officer positions, with a specific focus on diversity data, targets and term limits. The panelists include representatives of issuers, investors and advocacy groups, as well as governance experts.

 

Event Details

Oct 13, 2021

10:00 am  - 11:30 am

Virtual Event (Webinar)

The roundtable is open to the public; register and receive a link to watch the webinar

The Ontario Securities Commission (OSC) will host a virtual roundtable on Wednesday, October 13 from 10:00 a.m. - 11:30 a.m. ET to discuss broader diversity (beyond gender) on boards and in executive officer positions, with a specific focus on targets, term limits and diversity data.

The OSC has convened an expert panel to explore the benefits, challenges and experiences associated with the consideration of broader diversity, as well as evolving corporate governance practices and disclosure needs of Canadian investors. The roundtable panellists are:

  • Rahul Bhardwaj, ICD.D, President and CEO, Institute of Corporate Directors
  • Wes Hall, ICD.D, Executive Chairman and Founder at Kingsdale Advisors, The BlackNorth Initiative, Dragon on CBC's Dragons' Den
  • Sarah Kaplan, Distinguished Professor and Director, Institute for Gender and the Economy, U of T’s Rotman School of Management
  • Catherine McCall, Executive Director, Canadian Coalition for Good Governance
  • Rima Ramchandani, Partner and Co-Head of Capital Markets Group, Torys LLP
  • Paul Schneider, Head of Corporate Governance, Ontario Teachers' Pension Plan
  • Grant Vingoe, Chair and CEO, Ontario Securities Commission

The panel will be moderated by Wendy Berman, Vice-Chair, Ontario Securities Commission.

Attendees will have an opportunity to direct questions to the panel.

live on October 13 from 10:00 a.m. – 11:30 a.m. ET. For those unable to watch the live webinar, a transcript and link to watch the video-recording will be available after the event on the OSC website.

If you have any questions, please contact us at  eventsregistration@osc.gov.on.ca

 


NCFA Jan 2018 resize - Oct 13, 2021:  OSC virtual roundtable on 'Rethinking Diversity in Capital Markets' The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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What are construction loans and how do they work?

Guest Post | Sep 16, 2021

how do construction loans work - What are construction loans and how do they work?

Image: Pixabay

A construction loan is a kind of short-term financing provided by a bank that is used to finance the purchase of a new house or other real estate projects. A conventional mortgage, also known as a permanent loan, can assist you in purchasing an existing home. A construction loan, on the other hand, may be useful if you need to build a new home from the ground up, particularly if you also need to buy the raw land. Check out pomwaterproofing.ca for more information on construction loans.

 How Do Home Improvement Loans Work?

If you are thinking of constructing a house, you are probably thinking about a piece of land or a newly built community. As a result, most construction loans cover both the cost of the land and the cost of the building.

Because of this additional complexity, building loans need greater lender participation than conventional house loans. Lenders will want to examine your construction plans, including an anticipated timeline and budget. These strategies will assist you in determining how much money you need for the loan.

Once you have obtained a loan, the lender will pay the builder at regular intervals following each step of development. The payment frequency is arranged into a drawn plan that you, the lender, and the builder agree on. Before releasing further funds, the lender typically checks on the progress of construction at each planned stage.

You only make interest payments until the construction is finished. Repayment of the initial loan amount does not commence until the house is finished. These loan payments are handled in the same way as regular mortgage installments, with monthly installments based on an amortization schedule.

Home Construction Loans Come in a Number of Varieties

Construction loans are classified into two types

Stand-alone construction loans and construction-to-permanent loans. While the cost of the land is often included in both kinds of construction loans, this is not always the case. Make sure you understand what expenditures a lender is prepared to fund and how the origination process would function if you worked with them.

1. Stand-alone construction loan

If you accept a stand-alone loan, you will ultimately require a separate mortgage loan after the work is finished. The lender provides the initial loan as a construction advance, and you only pay interest during this period. After the home is completed, you will repay the construction loan with a conventional mortgage.

See:  Fintech Fridays EP43: Taking the Mortgage Process From 40 Days to Minutes

If you can only afford a modest down payment, or if you already own a house and want to sell it later, a stand-alone loan enables you to put additional money down when you sell. However, since you do not have the opportunity to lock in a mortgage rate while you have the stand-alone loan, you may wind up with higher rates when the time comes to obtain a mortgage.

2. Construction-to-permanent loan

This is a loan that combines the construction loan with a regular mortgage, so you do not have to refinance or go through another closing procedure after construction. Following construction, the lender turns the construction loan into a mortgage.

You may get a fixed-rate or adjustable-rate loan with a duration of 15 or 30 years, just as with any other mortgage. You may also lock in a cheaper interest rate from the start with construction-to-permanent financing. Construction-to-permanent loans are more convenient than stand-alone loans, although they typically demand a 20% or higher down payment.

How do you apply for a construction loan?

Is it more difficult to get a construction loan? Yes, building loans are more difficult to get than traditional mortgages. Most lenders consider construction loans risky (since there is no asset to back the loan), so if you decide to apply, you will face some stringent criteria. Many lenders demand the following for a construction loan.

Down payment

To get a construction loan, you must make a down payment of 20% or more of the entire project cost. This implies you will have to be ready to start the project with your own money or assets before a lender would agree to give you more. If you already own the land, for example, you may be allowed to use it toward the down payment amount.

Discuss this with your lender

The size of your down payment will be determined by the cost of your project, the land, and what you want to do with the money. Lenders need large down payments to ensure that you are invested in the project and will not disappear if anything goes wrong during development.

Strong personal credit

When applying for a construction loan, you will be required to furnish the lender with your personal credit history, even if you are applying as a small company. The lender will almost certainly request your personal FICO score as well as your company credit history.

Financial documents

A potential lender will often examine your current and previous debt and payment history, as well as any other loans or liens on your property. You will be required to submit financial statements, tax records, and evidence of other assets whether the loan is for your personal house or a small company building project.

Good reputation

Whether you are the builder or dealing with one, be aware that the lender will look at the builder's reputation. Any publicly available information may be used to make this decision, including vendor and subcontractor reviews, internet reviews, and prior work history.

 


NCFA Jan 2018 resize - What are construction loans and how do they work? The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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“It’s absolutely mad if you think about it” — the need to rethink what we value

MaRS | Molly Shoichet  | Sep 8, 2021

Mariana Mazzucato - “It’s absolutely mad if you think about it” — the need to rethink what we valueHealth innovation has been the story of COVID, but economist Mariana Mazzucato says we’re still not doing it right. We need to redesign procurement, rethink old narratives and reassess the value of public investment.

Mariana Mazzucato is one of the world’s most influential economists — professor at University College London, founder of the Institute for Innovation and Public Purpose and author of books rejecting business’s monopoly on risk-taking and value creation.

Molly Shoichet: The COVID economy has had an outsized impact on women and racialized communities. What is the connection between public health and a healthy economy?

Mariana Mazzucato: We hear it’s important to invest in health, it’s good for the economy. But in my work as chair of the World Health Organization’s Council on the Economics of Health for All, we want to determine the actual goal we’re trying to achieve.

COVID-19 has woken us up to the fact that we don’t have health for everybody. It’s not enough to have a vaccine if not everyone has access to it. So, if our ambition is health for all, how do we set up our economy? Outcomes-oriented budgeting? Procurement processes and budgets?

See:  Why a shift to Impact Investing will create big winners and big losers

So, the connection between health and the economy has to be about creating stronger health systems. But it also has to be about how we structure the economy to deliver on our goals, including the nitty gritty of tool design.

Shoichet: How can we ensure vaccines are equitably available around the world?

Mazzucato: I think we need to really question whether vaccines should be produced in a for-profit model.

With the pandemic, unless vaccines are available to everyone, we’re all going to remain unsafe. Otherwise we have vaccine apartheid, as WHO Director-General Dr. Tedros Adhanom Ghebreyesus calls it.

There is this idea of having a patent pool — we have to rely less on voluntary charity. Governments and philanthropies can also use prizes to encourage certain types of inventions. We don’t just have to rely on patents and pricing, especially in an area with such a strong “public good” dimension.

Read:  Getting tangible about intangibles: The future of growth and productivity?

There’s also the concept of collective intelligence. One example is the “people’s vaccine” concept promoted by the Costa Rican government and others. And there are people like Dr. Tedros who are asking how we share knowledge, how we construct collective intelligence about tools and therapies in a pandemic, how to structure public-private partnerships.

Shoichet: Societal value is increasingly equated with financial value. How do initiatives like value-based care help create new frameworks that will truly help people?

Mazzucato:

In a system that confuses price with value — the thesis of The Value of Everything — we assume that just because someone is paid a lot, they are more valuable.

This is why Lloyd Blankfein, CEO of Goldman Sachs, had the guts to say after the financial crisis that his workers were among the most productive in the world. We laugh at that, but in a way, he was right. Because when we look at productivity in terms of output per labour, we don’t know how to value the output of public health workers. Their output might end up being free to the consumer, so we can only put a number on their inputs.

Also:  Financial data unbound: The value of open data for individuals and institutions

We must value the work of women, caregivers, public health workers, school teachers, in such a way that validates them and the value of their labour. It goes beyond their incomes to the value of the output. GDP doesn’t include the value of a well-structured public education or health system because it’s free. It’s absolutely mad if you think about it. We currently just look at the cost of the teachers or the nurses.

Continue to the full article --> here


NCFA Jan 2018 resize - “It’s absolutely mad if you think about it” — the need to rethink what we value The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Top US regulator tells crypto exchanges they need to ‘come in and talk to us’

Business Insider |   | Sep 14, 2021

Gary Gensler aspen security forum - Top US regulator tells crypto exchanges they need to 'come in and talk to us'

Securities and Exchange Commission boss Gary Gensler has said crypto exchanges need to "come in and talk" to the markets regulator, just days after clashing with trading platform Coinbase over one of its products.

Gensler will appear before the Senate banking committee on Tuesday and used his prepared remarks to increase the pressure on crypto exchanges, which he has previously said he would like to regulate more closely.

See:  Coinbase Threat Shows SEC Means Business

The SEC boss said exchanges need to register with the Commission, because some of their tokens or products may be securities. That's unlike bitcoin, which regulators think is more like a commodity.

Gensler said:

"I've suggested that platforms and projects come in and talk to us. Many platforms have dozens or hundreds of tokens on them.  While each token's legal status depends on its own facts and circumstances, the probability is quite remote that, with 50, 100, or 1,000 tokens, any given platform has zero securities.  Make no mistake: To the extent that there are securities on these trading platforms, under our laws, they have to register with the Commission unless they qualify for an exemption."

Gensler's strong statement comes after the SEC cracked down on Coinbase, threatening to sue the $64 billion crypto exchange if it went ahead with launching a digital asset lending product called Lend.

See:  Moody’s says Crypto regulation a plus for banks, fintechs

Gensler has previously said that products that bear a specific interest-rate return could fall under SEC oversight as securities. And he has hinted some stablecoins could also feed into that category.

Yet some lawmakers and crypto-industry figures would like to see more action from the SEC in clarifying what it thinks it can, and can't, regulate.

Continue to the full article --> here


NCFA Jan 2018 resize - Top US regulator tells crypto exchanges they need to 'come in and talk to us' The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Digital Euro Report: Design considerations facing the European Central Bank

Internet Economy Foundation | Clark Parsons | Sep 8, 2021

Establishing a digital euro report - Digital Euro Report:  Design considerations facing the European Central BankNew Study Highlights the Key Design Choices Facing the European Central Bank and Makes Recommendations for Building an Innovation-Compatible Digital Euro

Berlin, 08. Sept., 2021 – If money is now completely programmable, how should a digital Euro be established? This is the question addressed by Establishing a Digital Euro – How to Ensure Financial Sovereignty in the Digital Realm, a new joint study published by the Internet Economy Foundation, Lakestar, Chainlink and iconomy.

Read:  JP Morgan warns CBDC could mean banks lose 20-30% of funding

In the wake of the European Central Bank’s announcement in July 2021 that it will begin the process of developing a digital Euro, this new study explains the key design decisions that lie ahead and how each of them can potentially affect the longstanding structures of the monetary and financial systems. It also recommends important guidelines for the ECB to ensure that a digital Euro addresses Europe’s current weakness in global financial services and strengthens Europe’s booming ecosystem of innovation in FinTech, Decentralized Finance (DeFi) and emerging sectors.

The policy recommendations are:
● Create the Digital Euro with a focus on European Financial Sovereignty.
● Use the Digital Euro to reinforce the position of the Euro as an international reserve currency.
● Design the Digital Euro with a wider vision for a more secure future financial system.
● Form should follow function and keep innovation at heart.
● Tailor the Digital Euro to fit the needs and realities of the European startup, scaleup and DeFi ecosystems.

See: 

BIS Research: CBDCs beyond borders: results from a survey of central banks

Podcast: Requirements for a fully functional CBDC

The study examines the existing structures of central banks and how the current system relates to financial service providers as well as consumers. It then depicts a pyramid of the four main design decisions that the ECB will have to make and lays out the key pros and cons of each decision. For instance, would a Digital Euro be an anonymous “token”, like a 1 Euro coin, or would it always be tied to an “account”, like the Euro that is spent with a bank Girocard? Each design decision can potentially send a digital Euro in a different direction and have a large impact on its potential usage in the innovative digital economy.

Continue to the full article --> here

Download the 52 page PDF report 'Establishing a Digital Euro' --> here


NCFA Jan 2018 resize - Digital Euro Report:  Design considerations facing the European Central Bank The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Why is venture capital still ignoring women? The case for investing is clear.

Pioneers Post | Tove Ahlström and Sofia Breitholtz  | Aug 26, 2021

case for investing in women is clear - Why is venture capital still ignoring women?  The case for investing is clear.

It could take an astonishing 200 years to close the global gender gap, if we continue on our current path.

Yet the evidence is clear: backing female-led businesses is a ticket to prosperity for everyone. As the world seeks solutions for post-pandemic recovery, it’s time for investors to put their money where their mouths are.

A disheartening 3% of global venture capital went to female founders in 2019, and the figures for women from minority groups are even more dismaying, a 2020 report by Crunchbase shows. During the Covid-19 pandemic, the outlook worsened still, with venture funding to female-founded enterprises plummeting 27% worldwide.

See:  Women In Fintech Will Play A Crucial Part In The Covid-19 Recovery Plan

Global challenges, like the Covid-19 pandemic or the climate crisis, have more direct consequences for vulnerable groups in society, who are already subject to uneven distribution of resources, oppression and marginalisation. As the world turns to solutions and strategies for recovery in a post-pandemic reality, investors and politicians need to put their money where their mouths are – and they might benefit, too.

Everyone’s ticket to prosperity

Women are powerful catalysts for development. Data shows that investing in their economic empowerment sets a direct path towards poverty eradication in all groups, inclusive economic growth as well as sustainability and resilience. The recent discussion paper from the European Commission once again shows a correlation between gender equity and GDP growth, productivity and rising wages.

The flow of investment capital needs to be diversified, less focused on the short-term, and more focused on the long-term, with innovations promoting the necessary combination of sustainability and profitability.

The same source also shows that women are associated with long-term, patient capital and more social impact investment. Building capacity for women's economic independence is crucial in the Covid-19 response and also sets an effective path for the achievement of the UN’s Sustainable Development Goals.

A shared problem with a viable solution

One major obstacle for women in both starting enterprises, and taking them to scale, is the lack of access to capital. When female-founded companies get funding, the amount of money is less than male teams receive. A report from Unconventional Capital on Nordic startup funding shows that all-women teams only get between one-third and two-thirds of the funding compared to men. In the US, research shows that women start businesses with roughly half the amount of capital compared to men.

See:  Reg CF Update: Interview with Sherwood Neiss on Investment Crowdfunding

The story is much the same across the globe, but – unsurprisingly – even more difficult in emerging economies. Not only does the lack of investment and capital reinforce structural inequalities, it also hampers the growth of female-led businesses. What the world needs is specific programmes that build female capacity, and that stimulate investment ecosystems to become more inclusive.

Don’t look away, investors and politicians

Investors – who tend to proudly describe their decision-making as rational and number-driven – would benefit from looking their (often well-meaning) biases in the eye and actually focusing on data. A now well-known 2018 study by BCG shows that women-founded businesses outperform and deliver higher revenue than male-run ones, making them a rational investment.

Continue to the full article --> here


NCFA Jan 2018 resize - Why is venture capital still ignoring women?  The case for investing is clear. The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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On the Brink Podcast: George Selgin of the Cato Institute on Stablecoins, Bitcoin and Free Banking

On the Brink Podcast | Aug 2, 2021

on the brink podcast George Selgin on stablecoins bitcoin and free banking - On the Brink Podcast:  George Selgin of the Cato Institute on Stablecoins, Bitcoin and Free Banking

George Selgin, director of the Center of Monetary Alternatives at the Cato Institute joins the show to discuss Bitcoin, Free Banking, and stablecoins. In this episode:

  • Why George refers to Bitcoin as a synthetic commodity money
  • Why George was excited by the possibility for synthetic commodity money
  • What conditions would have to hold for Bitcoin to be considered money
  • Why money is a spectrum rather than binary
  • Are stablecoins prone to bank runs?
  • Is Tether’s melange of underlying collateral sufficient?
  • How should stablecoins be regulated?
  • Why are regulators looking into stablecoins today?

See: 

FCA Chair Charles Randall Discusses Crypto, Stablecoins and Digital Asset Regulation

More regulation coming: SEC Chairman signals stablecoins and other tokens could fall under its rules on security-based swaps

Minister Freeland releases final report with 34 recommendations on Open Banking from the Advisory committee

  • Comparing stablecoins to Money Market Mutual Funds
  • Why money market funds broke the buck in 08
  • Are stablecoins as systemic as money market funds?
  • George’s objections to Gorton and Zhang’s paper on free banking and stablecoins
  • George’s definition of free banking
  • Was the 1830s-60s period in the U.S. a period of genuine free banking?
  • The actual causes of bank failures in the pre-Civil War period
  • Why ‘unit banking’ was so fragile
  • What lessons can be taken from Canada’s experience with free banking in that era
  • Why the history of Free Banking is a red herring in the stablecoin debate
  • George’s recommendations for a primer on free banking
  • George’s reflections on Hal Finney’s reference to his work
  • Why bank failures are often the consequence of regulation


NCFA Jan 2018 resize - On the Brink Podcast:  George Selgin of the Cato Institute on Stablecoins, Bitcoin and Free Banking The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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