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The sharing economy has begun to make inroads in finance. Peer-to-peer lending is growing substantially in volume and in academic attention, though it remains less than a rounding error in comparison to more traditional sources of loans. Meanwhile, Congress passed the Jumpstart Our Business Startups ("JOBS") Act, which directed the Securities and Exchange Commission ("SEC") to create regulations allowing crowdfunding in at least some circumstances. The SEC, as of yet, has published only proposed rules, ignoring a congressional deadline, but state regulators have begun to create their own rules for intrastate crowdfunding. Yet, one area of finance has resisted even these tentative first steps: insurance.

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GWU Law School Public Law Research Paper No. 2019-17; GWU Legal Studies Research Paper No. 2019-17

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