This is a great discussion - and one that will continue to happen each year. I agree with Bryce that now is the time to make third-party voices heard and not shut out. Lending Club needs to know that they stand to benefit, not lose, from a vibrant p2p lending ecosystem, and a generous API agreement (that still maintains their security requirements, etc) is a part of how that ecosystem is catalyzed.

If you guys want this covered in an article on LendingMemo send me an email.

For what it's worth, I directly emailed management about this and was told I would receive a reply, a reply which never came.

Bigger fan of this investment class than any other. I personally feel the LC 10% limit is way too safe...

Well I suppose I should introduce myself. I've been a long time lurker on this forum but haven't really interacted with it much. I hope that changes in the coming year. Anyways, I a huge lover of p2p lending, have been an active lender for about 15 months, and recently launched a peer to peer lending site www.lendingmemo.com

I'm a big fan of Peter's work, and a proponent of this industry. I am eager to help Prosper and Lending Club in whatever way they make space, and am really excited about new players entering the arena.