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From Paper to Blockchain: How Tokenized Collateral Could Transform Finance
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July 1, 2026
From Paper to Blockchain: How Tokenized Collateral Could Transform Finance
By: John Mikuta
Our financial system is on the verge of a groundbreaking transformation that could rival the shift from film to digital photography. Just as smartphones made it instantaneous to capture and share pictures, blockchain-based tokenization of traditional assets could make financial transactions just as seamless. Even though we are now over a quarter of the way through the 21st century, today’s financial infrastructure hasn’t caught up with the times. Our financial system still revolves around antiquated 19th- and 20th-century practices, such as paper records and batch processing. Settlement cycles often take days, which can lead to operational delays and counterparty risk. Tokenization changes this. By representing real-world assets as tokens on a digital blockchain, collateral can move and settle in real…
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Ready, Set, Go: More States Adopt Privacy Laws
June 17, 2026
Ready, Set, Go: More States Adopt Privacy Laws
By: Nicole Kardell
Note the below chart was updated on June 17, 2026 to reflect recent developments. The number of U.S. states that have adopted privacy laws grows regularly. Fortunately, there seems to be quite a bit of crossover, at least when it comes to thresholds that companies must meet in order to trigger compliance requirements. We provide below a chart that summarizes these thresholds by state, including…
I Predict the FTC and Class Action Plaintiffs May Have a Problem with Prediction Market Influencers
June 11, 2026
I Predict the FTC and Class Action Plaintiffs May Have a Problem with Prediction Market Influencers
By: Michelle Cohen
Prediction markets are the hottest topic in gaming right now. Industry leaders Kalshi and Polymarket have provided substantial fodder for debates at the summer gaming conferences, in the gaming trade press, and in mainstream media. Most of that discussion focuses on state versus federal regulation, an issue that the U.S. Supreme Court will likely need to resolve. In the interim, as they promote their platforms…
CFPB Shows It’s a Tough New Cop on the Beat With Case Against Payment Processor
October 7, 2013
CFPB Shows It’s a Tough New Cop on the Beat With Case Against Payment Processor
By: Michelle Cohen
On October 3, 2013, the Consumer Financial Protection Bureau announced it had filed a complaint in federal district court in Washington state against a leading debt-settlement payment processor, Meracord LLC, and its CEO. The CFPB contends that Meracord helped third parties collect millions of dollars in illegal upfront fees from consumers. The complaint alleged violations of the Federal Trade Commission’s Telemarketing Sales Rule (TSR) and…
How to Break the Federal Debt-Collection Law — By Texting
October 4, 2013
How to Break the Federal Debt-Collection Law — By Texting
By: Steven Eichorn
It’s quite clear that the Federal Trade Commission and the Federal Communications Commission view existing federal consumer protection and communications statutes as fully applicable to new modes of communication such as texting. One excellent recent example is the FTC’s stipulated settlement, including a payment of $1 million, with a debt collection agency that had sent out text messages in order to collect debts. The FTC…
FTC Takes First Enforcement Action on ‘Internet of Things’
September 29, 2013
FTC Takes First Enforcement Action on ‘Internet of Things’
By: Ifrah Law
A company that markets video cameras that are designed to allow consumers to monitor their homes remotely has agreed to settle charges with the FTC that it failed to properly protect consumers’ privacy. This marks the FTC’s first enforcement action against a marketer of a product with connectivity to the Internet and other mobile devices, commonly referred to as the “Internet of Things.” The FTC’s…
Appeals Court Rules TCPA Does Not Violate First Amendment
September 16, 2013
Appeals Court Rules TCPA Does Not Violate First Amendment
By: Ifrah Law
The U.S. Court of Appeals for the Fourth Circuit recently ruled that the Telephone Consumer Protection Act (TCPA) does not violate the First Amendment by requiring robocallers to identify themselves when making calls. Three months before the Maryland gubernatorial election in 2010, political consultant Julius Henson and his company Universal Elections, Inc., were hired to assist with efforts for the Republican candidate. On Election Day,…
A Report From Affiliate Summit East, 2013
August 29, 2013
A Report From Affiliate Summit East, 2013
By: Ifrah Law
Since 2003, online marketers and merchants have been gathering twice a year to take part in the Affiliate Summit Conferences. In recent years, Ifrah Law has become a fixture at these shows, and our associate Rachel Hirsch is not only widely recognized as the face of the Ifrah Law Power Booth station, but also as a well-respected and preferred attorney counseling online advertisers on compliance-related…
