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Welcome to the SEC’s Strategic Hub for Innovation and Financial Technology (FinHub). As financial technologies, methods of capital formation, market structures, and investor interfaces continue to evolve, FinHub will play an important role in facilitating the SEC’s active engagement with innovators, developers, and entrepreneurs. In addition to being a resource for information about the SEC’s views and actions in the FinTech space, FinHub is also a forum for engaging with SEC staff by clicking the “ENGAGE WITH FINHUB” button below.

Blockchain/Distributed Ledger

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In recent years, the SEC has encountered a number of issues relating to the blockchain and distributed ledger technology. These terms generally refer to databases that maintain information across a network of computers in a decentralized or distributed manner. These networks commonly use cryptographic protocols to ensure data integrity. Blockchains are often used to issue and transfer ownership of digital assets that may be securities, depending on the facts and circumstances. To learn more about the SEC’s activities in this evolving space, click below.

Digital Marketplace Financing

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Digital marketplace financing generally refers to financing methods that do not use traditional financial institutions as intermediaries. The financing can be in the form of loans, often called online marketplace lending, or equity or equity-like securities, often called crowdfunding. The SEC has been addressing digital marketplace financing activities related to funding portals, platforms, and investments for some time. To learn more about the SEC’s activities in this space, click below.

Automated Investment Advice

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Automated investment advisers/Robo-advisers are investment advisers that typically provide asset management services through online algorithmic-based programs. Since their introduction, the SEC has been involved with regulating these market participants. To learn more about the SEC’s activities in this space, click below.

Artificial Intelligence/Machine Learning

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Machine learning and artificial intelligence refers to methods of using computers to mine and analyze large data sets. This area of technological innovation is moving rapidly and the extent of related SEC activity is expanding. To learn more about the SEC’s activities in this space, click below.