{
 "company": "lendingclub",
 "as_of": "2026-10-07",
 "choices": [
  {
   "id": "lendingclub-p01",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Installment terms",
   "statement": "Offered fixed-rate loans with fixed monthly payments.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-p02",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Application",
   "statement": "Accepted borrower applications online.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-p03",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Small investor units",
   "statement": "Allowed investment increments as low as $25.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-p09",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Automated investment",
   "statement": "Offered tools for automated loan investment.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-g01",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Transaction fees",
   "statement": "Earned fees from loan originations.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-g02",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Servicing",
   "statement": "Charged investors for servicing.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-g08",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Mail acquisition",
   "statement": "Used targeted mail directing prospects to the website.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-g09",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Search acquisition",
   "statement": "Used paid and organic search channels.",
   "event_date": "2014-08-27",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC1"
   ]
  },
  {
   "id": "lendingclub-g03",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Investor incentives",
   "statement": "Used concessions to bring investor funding back.",
   "event_date": "2016",
   "date_precision": "year",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC2"
   ]
  },
  {
   "id": "lendingclub-g04",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Capital support",
   "statement": "Purchased loans to support marketplace funding.",
   "event_date": "2016",
   "date_precision": "year",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC2"
   ]
  },
  {
   "id": "lendingclub-g05",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Bank ownership",
   "statement": "Brought deposit-funded banking inside the company.",
   "event_date": "2021",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "LC4"
   ]
  },
  {
   "id": "lendingclub-g06",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Structured funding",
   "statement": "Introduced structured certificates as investor demand shifted.",
   "event_date": "2023",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "LC4"
   ]
  },
  {
   "id": "lendingclub-p04",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Bank balance sheet",
   "statement": "Retained selected loans while selling others.",
   "event_date": "2025-12-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC3"
   ]
  },
  {
   "id": "lendingclub-p05",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Deposit products",
   "statement": "Offered checking, savings and certificates of deposit.",
   "event_date": "2025-12-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC3"
   ]
  },
  {
   "id": "lendingclub-p06",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Structured securities",
   "statement": "Retained senior securities in structured loan sales.",
   "event_date": "2025-12-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC3"
   ]
  },
  {
   "id": "lendingclub-p08",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Direct debt payoff",
   "statement": "Supported paying existing card balances directly.",
   "event_date": "2025-12-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC3"
   ]
  },
  {
   "id": "lendingclub-p10",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "TopUp",
   "statement": "Combined an existing loan with new proceeds into one payment.",
   "event_date": "2025-12-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC3"
   ]
  },
  {
   "id": "lendingclub-p11",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Auto refinance",
   "statement": "Offered refinancing of existing auto debt.",
   "event_date": "2025-12-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC3"
   ]
  },
  {
   "id": "lendingclub-g10",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Provider distribution",
   "statement": "Offered purchase financing through merchants and healthcare providers.",
   "event_date": "2025-12-31",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC3"
   ]
  },
  {
   "id": "lendingclub-p07",
   "business": "US consumer lending marketplace and digital banking",
   "category": "product",
   "dimension": "Linked reward",
   "statement": "Offered eligible loan-payment cash back through LevelUp Checking.",
   "event_date": "2026-06-22",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC5"
   ]
  },
  {
   "id": "lendingclub-g07",
   "business": "US consumer lending marketplace and digital banking",
   "category": "go_to_market",
   "dimension": "Brand transition",
   "statement": "Launched Happen Bank and began trading under HAPN.",
   "event_date": "2026-06-22",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "LC5"
   ]
  }
 ]
}