Another day, another reminder that the 'disrupt first, think later' approach taken by Uber and Airbnb won't work for fintech companies... 

In a week that's seen peer-to-peer lending being scrutinised by the New York Department of Financial Services and bashed by Deloitte, the FT has revealed that US regulators are stepping up their oversight of the sector. 

It continues to be interesting to see how regulators on both sides of the pond are attempting to toe the line between stifling and supporting innovation.