CeFi v. DeFi: Inflection Point of Inclusion, CFPB & Dodd Frank v. P2P

A Primer on the 2008 Financial Crisis

Subprime, the Gift that Keeps Giving: A Thanksgiving Tale at the Table with Fannie & Freddie

B is for Bubble: Rates & Creativity Derived from ‘Dotcom’

Turkey ‘Porridge, Hot’ MBS + FOMO = CDO

The Plot Thickens: CDS ‘Spreads’ the Risk

Lehman’s Lesson & TARP

Alphabetical Order: ARMs, Bail Out, Big Bonuses, and Cost-Shifting Compliance Creates DeFI

TARP’s Failures: ‘Maiden’ Voyage

Compliance & Cost-Shifting CDS ‘Squared’

Petulance in Rhyme: Oh, the Opacity and Tenacity

Overlooked & Unpopular: Dodd-Frank Compliance Created Jobs within a Distressed Economy

The 8th Domain: ’We Don’t Need No (Centralization)…Another Brick in the Wall’ — ‘Hey (banks) Leave (us all) Alone’

Eight — Not so Great and Five Does not Jive

Dodd-Frank & The Durbin Amendment Shady Characters ‘Effective’ to Fuel P2P

Decentralization: A Phoenix

Experts Note Blockchain May Have Prevented the Toxic 2008 Financial Crisis, but Sherman & Crapo Remain ‘on Point’

A Comparison of the Red Herrings: Inclusive Financial Systems, Security, and Consumer Rights

Identity v. Security

“Since 2013, less than 1% of Suspicious Activity Reports involve crypto.” Id.

DeFi: Pseudo Anonymity, Not Anonymous

Not Mutually Exclusive: Inclusion & Economic Freedom v. Compliance Costs

Censorship, Finance, & Inclusion: Pot Meet Kettle

Lending & Censorship

Disputes Current Remedies and Redress

Consumer Finance & Mandatory Arbitration: A (Clause) by Any Other (More Descriptive) Name Would Smell as… Unconscionable?

Mutuality of Click Wrap

CFPB & Mandatory Arbitration the 90% Settlement Favor

Credit- Regulation Z of TILA

  1. The methods in which borrowing costs are calculated and disclosed.
  2. The right to “cancel certain credit transactions that involve a lien on a consumer’s principal dwelling, regulates credit card practices and provides a means of fair and timely resolution of billing disputes.”
  3. While it does not generally regulate the charges of consumer credit, it does mandate the uniformity to facilitate a side by side comparison.
  1. The Process is initiated with a letter to the issuer within 60 days
  2. The issuer must provide written acknowledgement within 30 days of receiving and investigate within two billing cycles, “but in no event later than 90 days” of the receipt of the billing error notice.
  3. In the event an error is discovered, the issuer “must credit the consumer’s account with the full disputed amount, including any associated finance charges.160
  1. Attempted to resolve the dispute and “good faith” though the merchant
  2. The transaction must exceed $50 AND have occurred within 100 miles of the cardholder’s address or in the same State.
  3. The amount of the claim is limited to the amount of credit outstanding for the disputed transaction at the time the cardholder first notifies the card issuer of the claim or defense.

EDTA- Regulation E.

Decentralized Dispute

The Showdown: CeFi v. DeFi: Conclusion-Defi Drives Diversity, Inclusion, and Decentralization

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Frmr. Dir. of Presentations, Athena.Trade | E Media Group | Educator|ADD/ADHD Coach |M.Ed. |Writer | MLAW |Founder of MinED & Lula & CO|Mom (14yo Gmer./Writer)

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Jenny Balliet

Jenny Balliet

Frmr. Dir. of Presentations, Athena.Trade | E Media Group | Educator|ADD/ADHD Coach |M.Ed. |Writer | MLAW |Founder of MinED & Lula & CO|Mom (14yo Gmer./Writer)