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This book evaluates key commercial law aspects of the relevant law and legislation governing residential mortgage-backed securities (RMBSs) in Australia from a legal perspective. Within the context of a “public benefit test” framework, the book seeks to critically evaluate the impact and effectiveness of current law and regulation governing RMBSs. There is a dearth of both academic and practical literature on the legal and regulatory issues surrounding RMBSs in Australia. The book aims to make a contribution to the formulation of law and public policy by suggesting a number of reforms to the current law and practice surrounding RMBSs in Australia. In part, these suggested reforms will be based on the lessons learned from the experiences of overseas jurisdictions such as Canada, the U.K, and the United States. .

Mortgage-backed securities. --- Ginnie Mae securities --- Mortgage securities --- Pass-through mortgage securities --- Securities, Mortgage-backed --- Securities --- International finance. --- Investment banking. --- Securities. --- Banks and banking. --- Public finance. --- International Finance. --- Investments and Securities. --- Banking. --- Financial Law/Fiscal Law. --- Cameralistics --- Public finance --- Currency question --- Agricultural banks --- Banking --- Banking industry --- Commercial banks --- Depository institutions --- Finance --- Financial institutions --- Money --- Blue sky laws --- Capitalization (Finance) --- Investment securities --- Portfolio --- Scrip --- Securities law --- Underwriting --- Investments --- Investment banking --- Banks and banking, Investment --- Investment banks --- International monetary system --- International money --- International economic relations --- Law and legislation --- Public finances

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"FinTech (the revolution in financial technology) is growing up and moving into the mainstream of finance over the last decade. The authors explore what Australia, China, and Japan are planning and doing in the field of crowdfunding and peer-to-peer lending. In addition to peer-to-peer lending, the book focuses on laws and practices related to central bank digital currencies, cryptocurrency, Bitcoin, and Initial Coin Offerings (ICOs). For example, peer-to-peer lending in Japan is mostly for small and medium enterprises. It was popular in China but the authorities cracked down a few years. It provides an alternative fundraising channel for the capital market in Australia. We also see a set of regulatory approaches among jurisdictions. Some countries draft new regulations, while others amend existing laws. The mechanism of the regulatory sandbox was introduced"--Adapted from the publisher's description.

Crowd funding --- Peer-to-peer loans --- Law and legislation --- Crowd lending --- Crowdlending --- P2P loans --- Social lending --- Loans --- Crowd financing --- Crowdfunding --- Finance --- Law and legislation.