@Shaun Reilly,In substance the two do not differ because they are both a "Security", though the loan may come from a lender and fall under lending regulations.If the loan is from a private person you are technically still engaged in offering a security by strict definition.From the SEC:Sec. 2 SECURITIES ACT OF 1933The term ‘‘security’’ means any note, stock, treasurystock, security future, security-based swap, bond, debenture,evidence of indebtedness, certificate of interest or participationin any profit-sharing agreement, collateral-trust certificate,preorganization certificate or subscription, transferable share,investment contract, voting-trust certificate, certificate of depositfor a security, fractional undivided interest in oil, gas, orother mineral rights, any put, call, straddle, option, or privilegeon any security, certificate of deposit, or group or index of securities(including any interest therein or based on the valuethereof), or any put, call, straddle, option, or privilege enteredinto on a national securities exchange relating to foreign currency,or, in general, any interest or instrument commonlyknown as a ‘‘security’’, or any certificate of interest or participationin, temporary or interim certificate for, receipt for, guaranteeof, or warrant or right to subscribe to or purchase, anyof the foregoing.

We love living here in the UK, but there are drawbacks to investing here, to include the currency differences.

Those most applicable for a CFPB examiner will be first within their agency domain, then in light of other agencies such as FDIC, Comptroller of Currency or Treasury Department regulations pertaining to lending, if an examiner can't peg the issue at that point, it's questionable if the examiner can determine an enforceable violation under their jurisdiction. :)Go Mizzo!

There's a huge appetite for USD world-wide but I suspect our currency is diluted at this point.

Every super power and every fiat currency fails.

Overseas, you have the extra concerns of currency and local economy (ie potential base closure) to factor in.

For kicks I bought few thousands worth of Euros when the currency started going down ( I want to see 3.5 years ago or so).The currency kept going down.

Setup free google voice phone numbers for each ad or direct them to landing page urls on your website that are specific to what you are looking for. ex - private investor landing page with a offer like "fill out the form below to receive a free article on five ways real estate investing is better then stocks"

The dollar will be the predominant currency in the world for a long long time.

Thanks Matt,There is a HSBC in Australia so most Australians are just getting US currency accounts set up an then the property managers mails a check to Australia which they can deposit at a HSBC branch.The fees are absurd tho.Thank