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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…
Cybersecurity a Desirable Goal, but Does Obama Proposal Go Too Far?
August 28, 2012
Cybersecurity a Desirable Goal, but Does Obama Proposal Go Too Far?
By: Steven Eichorn
In the past couple of years, a wide variety of computer viruses and other malware have allegedly been used by one nation against another. This secretive form of warfare even briefly plastered names like Stuxnet, Duqu, Flame, and Gauss across the front pages. In partial response to the threat posed to U.S. interests by hostile foreign countries and/or individuals, different cybersecurity bills are percolating through…
With $22.5 Million Google Settlement, FTC Sends a Clear Message
August 20, 2012
With $22.5 Million Google Settlement, FTC Sends a Clear Message
By: Michelle Cohen
On August 9, 2012, the Federal Trade Commission announced that Google has agreed to pay a $22.5 million penalty to settle the FTC’s charges that it violated a consent order regarding consumer privacy. This is the largest civil penalty that the FTC has ever exacted for a violation of one of the agency’s orders, and it has understandably garnered a great deal of attention. Specifically,…
Employers: Don’t Ask Job Applicants for Their Passwords (at Least in Illinois)
August 8, 2012
Employers: Don’t Ask Job Applicants for Their Passwords (at Least in Illinois)
By: Michelle Cohen
On August 1, 2012, Illinois Governor Pat Quinn signed a bill into law (HB 3782) that prohibits employers from requesting or requiring employees or prospective employees to provide their Facebook or other social networking website passwords. With the new law, effective on January 1, 2013, Illinois becomes the second state (Maryland was the first) to bar employers from seeking social network passwords. Employers are still…
‘Your Baby Can Read,’ Targeted for Dubious Ads, Closes Its Doors
July 25, 2012
‘Your Baby Can Read,’ Targeted for Dubious Ads, Closes Its Doors
By: Ifrah Law
After nearly a decade of persuading hundreds of thousands of parents that their babies were geniuses, the popular company, Your Baby Can Read, is shutting its doors. Its demise is the result of an FTC investigation prompted by the Campaign for a Commercial-Free Childhood advocacy group, which challenged claims by the company that newborns have the ability to absorb reading and spelling skills when they…
CFPB’s First Case: Consent Order Against Capital One for Deceptive Marketing
July 20, 2012
CFPB’s First Case: Consent Order Against Capital One for Deceptive Marketing
By: Michelle Cohen
The barely year-old Consumer Financial Protection Bureau came out of the gate this week with its first enforcement action. Capital One has the dubious honor of being CFPB’s premier target under the bureau’s authority to take action against entities that it believes engage in unfair, deceptive, or abusive practices in the offering of consumer financial products and services. Congress created the CFPB as part of…
