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FinTech regulation in the United States past, present, and future Jillian Grennan
- Format:
- Book
- Author/Creator:
- Grennan, Jillian, author.
- Series:
- Cambridge elements. Elements in law, economics and politics
- Cambridge elements. Elements in law, economics and politics 2732-4931
- Language:
- English
- Subjects (All):
- Financial services industry--Law and legislation--United States.
- Financial services industry.
- Fintech--United States.
- Fintech.
- Financial services industry--Law and legislation.
- United States.
- Physical Description:
- 1 online resource
- Place of Publication:
- Cambridge New York, NY Cambridge University Press 2026
- Summary:
- "This Element provides an overview of FinTech branches and analyzes the associated institutional forces and economic incentives, offering new insights for optimal regulation. First, it establishes a fundamental tension between addressing existing financial inefficiencies and introducing new economic distortions. Second, it demonstrates that today's innovators have evolved from pursuing incremental change through conventional Fin-Tech applications to AI × crypto as the fastest-growing segment. The convergence of previously siloed areas is creating an open-source infrastructure that reduces entry costs and enables more radical innovation, further amplifying change. Yet this transformation introduces legal uncertainty and risks related to liability, cybercrime, taxation, and adjudication. Through case studies across domains, the Element shows that familiar economic tradeoffs persist, suggesting opportunities for boundary-spanning regulation. It offers regulatory solutions, including RegTech frameworks, compliance-incentivizing mechanisms, collaborative governance models, proactive enforcement of mischaracterizations, and alternative legal analogies for AI × crypto"-- Cambridge Core
- Contents:
- The rise of fintech (past)
- The economics of fintech growth (present)
- The regulation of fintech (present)
- The path forward in fintech regulation (future)
- Notes:
- Includes bibliographical references
- Online resource; title from home page (Cambridge Core, viewed January 25, 2026)
- Other Format:
- Print version Grennan, Jillian FinTech regulation in the United States
- ISBN:
- 9781009417938
- 1009417932
- OCLC:
- 1545547464
- Access Restriction:
- Restricted for use by site license
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