Decentralized Finance (DeFi): The overall ecosystem of crypto-currency and blockchain. DeFi is a response to issues with centralized financial exchanges (banks, brokerages, etc.) and uses the new technologies of crypto and blockchain to remove third party intermediaries. It allows for direct peer-to-peer financial transactions.  

It is critical to keep up with the most recent legislative developments in law. Three states—New York, Massachusetts, and Florida—have enacted a plethora of new legislation that will affect individuals, companies, and communities as we enter 2024. This year is bringing with it a flurry of legislative modifications that need attention, from major tax cuts to workers' rights improvements.  Below are a few of the highlights: