{
 "company": "oportun",
 "as_of": "2026-10-07",
 "choices": [
  {
   "id": "oportun-p01",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Initial loan",
   "statement": "Started with personal installment lending.",
   "event_date": "2006",
   "date_precision": "year",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP1"
   ]
  },
  {
   "id": "oportun-g01",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Initial segment",
   "statement": "Designed the initial business around the underbanked Hispanic community.",
   "event_date": "2006",
   "date_precision": "year",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP1"
   ]
  },
  {
   "id": "oportun-g08",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Broader segment",
   "statement": "Expanded the mission to the broader credit-invisible and mis-scored population.",
   "event_date": "2015",
   "date_precision": "year",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP1"
   ]
  },
  {
   "id": "oportun-p02",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Centralized decisions",
   "statement": "Used automated centralized underwriting instead of store underwriters.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-p03",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Cash service",
   "statement": "Accepted cash payments through physical locations.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-p04",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Initial limits",
   "statement": "Used smaller initial loans for unfamiliar borrowers.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-p06",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Credit reporting",
   "statement": "Reported repayment to credit bureaus.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-p10",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Prepayment",
   "statement": "Allowed early repayment without a prepayment penalty.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-p11",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Amortization",
   "statement": "Provided fixed payments without a final balloon payment.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-g02",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Local distribution",
   "statement": "Operated 237 locations across six states.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-g09",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Channel choice",
   "statement": "Supported mobile, telephone and in-person applications.",
   "event_date": "2017-05-19",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "OP2"
   ]
  },
  {
   "id": "oportun-p05",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Returning borrower",
   "statement": "Re-underwrote returning borrowers for larger and cheaper loans.",
   "event_date": "2019-07-17",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP1"
   ]
  },
  {
   "id": "oportun-g03",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Direct mail",
   "statement": "Used direct mail to acquire borrowers.",
   "event_date": "2019-07-17",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP1"
   ]
  },
  {
   "id": "oportun-g04",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Referral route",
   "statement": "Marketed through word of mouth at retail locations.",
   "event_date": "2019-07-17",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP1"
   ]
  },
  {
   "id": "oportun-g10",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Digital advertising",
   "statement": "Used paid search, email and display advertising.",
   "event_date": "2019-07-17",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP1"
   ]
  },
  {
   "id": "oportun-p07",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "APR cap",
   "statement": "Announced an all-in 36% ceiling on new-loan APRs.",
   "event_date": "2020-07-28",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP3"
   ]
  },
  {
   "id": "oportun-g05",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Collections",
   "statement": "Announced suspension and reduction of legal collection filings.",
   "event_date": "2020-07-28",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP3"
   ]
  },
  {
   "id": "oportun-p08",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Automated savings",
   "statement": "Acquired Digit\u2019s automated savings and related capabilities.",
   "event_date": "2021-12-22",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP4"
   ]
  },
  {
   "id": "oportun-g06",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Adjacent customer relationship",
   "statement": "Bought Digit to add savings and banking capabilities.",
   "event_date": "2021-12-22",
   "date_precision": "day",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP4"
   ]
  },
  {
   "id": "oportun-p09",
   "business": "US personal installment lending and automated savings",
   "category": "product",
   "dimension": "Card exit",
   "statement": "Sold the credit-card receivables portfolio.",
   "event_date": "2024-11",
   "date_precision": "month",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP5"
   ]
  },
  {
   "id": "oportun-g07",
   "business": "US personal installment lending and automated savings",
   "category": "go_to_market",
   "dimension": "Existing-member focus",
   "statement": "Concentrated fourth-quarter originations more heavily on existing members.",
   "event_date": "2025-12",
   "date_precision": "month",
   "evidence_kind": "documented_offer_or_action",
   "sources": [
    "OP5"
   ]
  }
 ]
}