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    <title>Happen Bank</title>
    <link>https://www.americanbanker.com/organization/happen-bank</link>
    <description>Happen Bank</description>
    <language>en-US</language>
    <pubDate>Tue, 21 Apr 2026 20:29:46 GMT</pubDate>
    <dc:date>2026-04-21T20:29:46Z</dc:date>
    <dc:language>en-US</dc:language>
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      <title><![CDATA[ Goodbye, LendingClub. Digital bank rebrands as Happen Bank ]]></title>
      <link>https://www.americanbanker.com/news/goodbye-lendingclub-digital-bank-rebrands-as-happen-bank</link>
      <description><![CDATA[ LendingClub, which debuted as an online alternative to traditional consumer lending, is rebranding this summer. The new name reflects its broadened banking capabilities, which include a checking account, a savings account and certificates of deposit.  ]]></description>
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      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Industry News ]]></category>
      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ Consumer banking ]]></category>
      <pubDate>Tue, 21 Apr 2026 20:29:46 GMT</pubDate>
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      <dc:creator>Allissa Kline</dc:creator>
      <dc:date>2026-04-21T20:29:46Z</dc:date>
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      <title><![CDATA[ LendingClub beats estimates; new accounting fuels stock dip ]]></title>
      <link>https://www.americanbanker.com/news/lendingclub-2025q4-earnings</link>
      <description><![CDATA[ A one-time accounting change will boost the bank's ability to spend on marketing. Traders flinched at the change; analysts called it a buying opportunity.  ]]></description>
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      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ Earnings ]]></category>
      <category><![CDATA[ Accounting standards ]]></category>
      <category><![CDATA[ Consumer lending ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Thu, 29 Jan 2026 16:20:30 GMT</pubDate>
      <guid isPermaLink="false">0000019c-0a8a-dfee-ad9c-ffcf2a410000</guid>
      <dc:creator>Carter Pape</dc:creator>
      <dc:date>2026-01-29T16:20:30Z</dc:date>
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      <title><![CDATA[ LendingClub exceeds estimates alongside new product launch ]]></title>
      <link>https://www.americanbanker.com/news/lendingclub-exceeds-estimates-alongside-new-product-launch</link>
      <description><![CDATA[ The online lender-turned-bank saw a strong quarter as tariff-driven fears start to ease. Executives are also looking to rebrand the company.  ]]></description>
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      <category><![CDATA[ Earnings ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Wed, 30 Jul 2025 14:00:27 GMT</pubDate>
      <guid isPermaLink="false">00000198-5b9f-d43c-afbf-7fbf36e30000</guid>
      <dc:creator>Melinda Huspen</dc:creator>
      <dc:date>2025-07-30T14:00:27Z</dc:date>
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      <title><![CDATA[ LendingClub's new consumer loan offerings help drive earnings uptick ]]></title>
      <link>https://www.americanbanker.com/news/lendingclubs-new-consumer-loan-offerings-help-drive-earnings-uptick</link>
      <description><![CDATA[ The banking holding company's new type of private security, launched last year, also reached $3 billion in loans sold last month.  ]]></description>
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      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <category><![CDATA[ Earnings ]]></category>
      <pubDate>Wed, 31 Jul 2024 16:25:24 GMT</pubDate>
      <guid isPermaLink="false">00000191-0994-d70b-afbb-c9d6cd740001</guid>
      <dc:creator>Carter Pape</dc:creator>
      <dc:date>2024-07-31T16:25:24Z</dc:date>
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    <item>
      <title><![CDATA[ LendingClub, fueled by surge in loans, posts surprise profit ]]></title>
      <link>https://www.americanbanker.com/news/lendingclub-fueled-by-surge-in-loans-posts-surprise-profit</link>
      <description><![CDATA[ The digital lender, which bought Radius Bancorp in February, still expects to record a full-year loss partly because of merger-related costs. But its stock price soared Thursday after it reported second-quarter net income of $9.37 million.  ]]></description>
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      <category><![CDATA[ Earnings ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ Marketplace lending ]]></category>
      <pubDate>Thu, 29 Jul 2021 15:52:30 GMT</pubDate>
      <guid isPermaLink="false">0000017a-f2a8-d666-ad7f-feaf534c0001</guid>
      <dc:creator>Polo Rocha</dc:creator>
      <dc:date>2021-07-29T15:52:30Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ LendingClub reaches $18M settlement with FTC over ad claims ]]></title>
      <link>https://www.americanbanker.com/news/lendingclub-reaches-18m-settlement-with-ftc-over-ad-claims</link>
      <description><![CDATA[ The agreement will likely end a three-year-old dispute over allegations that the company misled borrowers by promising no hidden fees on its consumer loans.  ]]></description>
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      <category><![CDATA[ Lawsuits ]]></category>
      <category><![CDATA[ Law and regulation ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ FTC ]]></category>
      <category><![CDATA[ Marketing ]]></category>
      <pubDate>Thu, 15 Jul 2021 15:04:19 GMT</pubDate>
      <guid isPermaLink="false">0000017a-aaa6-d291-ad7e-fbb6c36d0001</guid>
      <dc:creator>Polo Rocha</dc:creator>
      <dc:date>2021-07-15T15:04:19Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ OCC approves LendingClub acquisition of Radius ]]></title>
      <link>https://www.americanbanker.com/news/occ-approves-lendingclub-acquisition-of-radius</link>
      <description><![CDATA[ The regulator's order moves the San Francisco-based company one step closer to becoming the first online lender to own a bank.  ]]></description>
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      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ OCC ]]></category>
      <category><![CDATA[ Charter conversions ]]></category>
      <pubDate>Thu, 31 Dec 2020 16:13:03 GMT</pubDate>
      <guid isPermaLink="false">00000176-b95f-db0d-a97e-f95fe5150001</guid>
      <dc:creator>Hannah Lang</dc:creator>
      <dc:date>2020-12-31T16:13:03Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Online loans are holding up better than expected ]]></title>
      <link>https://www.americanbanker.com/news/online-loans-are-holding-up-better-than-expected</link>
      <description><![CDATA[ Fintech lenders that reported a surge in missed payments at the start of the pandemic have seen credit quality rebound substantially since. But credit performance could still deteriorate if high unemployment persists and Congress fails to enact more relief measures.  ]]></description>
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      <category><![CDATA[ Consumer lending ]]></category>
      <category><![CDATA[ Marketplace lending ]]></category>
      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Coronavirus ]]></category>
      <pubDate>Tue, 08 Sep 2020 17:40:10 GMT</pubDate>
      <guid isPermaLink="false">00000174-6ec8-d8a9-a7f4-fffa41390001</guid>
      <dc:creator>Kevin Wack</dc:creator>
      <dc:date>2020-09-08T17:40:10Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Santander Group invests $40M in consumer lender Upgrade ]]></title>
      <link>https://www.americanbanker.com/news/santander-group-invests-40m-in-lendingclub-founders-startup</link>
      <description><![CDATA[ Other challenger banks focused on personal loans have struggled since the onset of the coronavirus pandemic.  ]]></description>
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      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ Digital Banking 2020 ]]></category>
      <category><![CDATA[ Marketplace lending ]]></category>
      <category><![CDATA[ Consumer lending ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <pubDate>Wed, 17 Jun 2020 19:16:12 GMT</pubDate>
      <guid isPermaLink="false">00000172-c343-d41b-a5fb-cb5f2b390001</guid>
      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2020-06-17T19:16:12Z</dc:date>
      <media:thumbnail url="https://arizent.brightspotcdn.com/dims4/default/62e3ba4/2147483647/strip/true/crop/6720x4480+0+0/resize/1013x675!/format/jpg/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F5a%2F6b%2Fab0f2dd842f484766fb42d2b94fb%2Fssp-1237.jpg" />
    </item>
    <item>
      <title><![CDATA[ Battered by coronavirus crisis, online lenders face reckoning ]]></title>
      <link>https://www.americanbanker.com/news/battered-by-coronavirus-crisis-online-lenders-face-reckoning</link>
      <description><![CDATA[ The upstarts enjoyed rapid growth during the long economic expansion. Now they are on the ropes.  ]]></description>
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      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Marketplace lending ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Kabbage ]]></category>
      <category><![CDATA[ Coronavirus ]]></category>
      <category><![CDATA[ Credit quality ]]></category>
      <pubDate>Fri, 15 May 2020 01:00:02 GMT</pubDate>
      <guid isPermaLink="false">00000172-149d-da4c-adf3-3eff8b0f0001</guid>
      <dc:creator>Kevin Wack</dc:creator>
      <dc:date>2020-05-15T01:00:02Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ LendingClub reinforces its cyber defenses ]]></title>
      <link>https://www.americanbanker.com/news/lendingclub-reinforces-its-cyber-defenses</link>
      <description><![CDATA[ The online lender has deployed new software designed to spot security risks early, especially the kind of cloud-data issues that led to the Capital One-Amazon breach.  ]]></description>
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      <category><![CDATA[ Cyber Security ]]></category>
      <category><![CDATA[ Data privacy rules ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Cloud computing ]]></category>
      <category><![CDATA[ Cloud hosting ]]></category>
      <pubDate>Thu, 30 Apr 2020 01:00:49 GMT</pubDate>
      <guid isPermaLink="false">00000171-c69f-d198-a9fd-df9f9c9a0001</guid>
      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2020-04-30T01:00:49Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Prepping for PPP 2.0, new bankers’ hours, rethinking branch design: Top stories of the week ]]></title>
      <link>https://www.americanbanker.com/list/prepping-for-ppp-2-0-new-bankers-hours-rethinking-branch-design-top-stories-of-the-week</link>
      <description><![CDATA[ Lenders are set to flood the SBA with new PPP applications; long nights and weekends the new normal; <a href="https://www.americanbanker.com/organization/fifth-third-bancorp">Fifth Third</a> rethinks new-branch designs in light of coronavirus; and more from this week's most-read stories.  ]]></description>
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      <category><![CDATA[ Paycheck Protection Program ]]></category>
      <category><![CDATA[ SBA ]]></category>
      <category><![CDATA[ Layoffs ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Coronavirus ]]></category>
      <category><![CDATA[ Block ]]></category>
      <category><![CDATA[ Ally Financial ]]></category>
      <category><![CDATA[ Fifth Third ]]></category>
      <category><![CDATA[ Fifth Third Bancorp ]]></category>
      <pubDate>Fri, 24 Apr 2020 20:43:34 GMT</pubDate>
      <guid isPermaLink="false">00000171-adce-db65-a379-ffcec0980001</guid>
      <dc:date>2020-04-24T20:43:34Z</dc:date>
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    <item>
      <title><![CDATA[ LendingClub laying off 460 staffers, including president ]]></title>
      <link>https://www.americanbanker.com/news/lendingclub-laying-off-460-staffers-including-president</link>
      <description><![CDATA[ The online lender, reeling from the economic fallout of the coronavirus pandemic, also said it is cutting senior executives' salaries by 25%.  ]]></description>
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      <category><![CDATA[ Workforce management ]]></category>
      <category><![CDATA[ Consumer lending ]]></category>
      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Coronavirus ]]></category>
      <pubDate>Wed, 22 Apr 2020 00:48:22 GMT</pubDate>
      <guid isPermaLink="false">00000171-9f41-d6f0-adf9-9f43b0330001</guid>
      <dc:creator>Paul Davis</dc:creator>
      <dc:creator>Kevin Wack</dc:creator>
      <dc:date>2020-04-22T00:48:22Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Online lenders seek to balance the needs of borrowers, investors ]]></title>
      <link>https://www.americanbanker.com/news/online-lenders-seek-to-balance-the-needs-of-borrowers-investors</link>
      <description><![CDATA[ While LendingClub, Prosper, Avant and SoFi are giving existing borrowers breaks in the short term, they're considering tightening credit as the coronavirus outbreak threatens to drag the economy into a recession.  ]]></description>
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      <category><![CDATA[ Digital banking ]]></category>
      <category><![CDATA[ SoFi ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <category><![CDATA[ Coronavirus ]]></category>
      <pubDate>Thu, 26 Mar 2020 16:38:02 GMT</pubDate>
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      <dc:creator>Miriam Cross</dc:creator>
      <dc:date>2020-03-26T16:38:02Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Simpler is better for fintechs breaking into banking ]]></title>
      <link>https://www.americanbanker.com/payments/opinion/simpler-is-better-for-fintechs-breaking-into-banking</link>
      <description><![CDATA[ LendingClub and Varo Money are making inroads into the traditional financial system, but other fintechs still face long odds.  ]]></description>
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      <category><![CDATA[ Happen Bank ]]></category>
      <pubDate>Tue, 03 Mar 2020 14:22:53 GMT</pubDate>
      <guid isPermaLink="false">00000170-a055-df0e-ab77-a8d7a6c10003</guid>
      <dc:creator>Todd H. Baker</dc:creator>
      <dc:date>2020-03-03T14:22:53Z</dc:date>
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      <myauthor:jobTitle>Senior Fellow, Columbia University</myauthor:jobTitle>
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    </item>
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      <title><![CDATA[ What LendingClub and Radius saw in each other ]]></title>
      <link>https://www.americanbanker.com/news/inside-the-lendingclub-radius-bank-merger</link>
      <description><![CDATA[ The heads of the two companies explain how the deal came about, what hurdles they face and how they plan to mash up their very different operations.  ]]></description>
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      <category><![CDATA[ Data integration ]]></category>
      <category><![CDATA[ Happen Bank ]]></category>
      <pubDate>Thu, 20 Feb 2020 19:13:50 GMT</pubDate>
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      <dc:creator>Penny Crosman</dc:creator>
      <dc:date>2020-02-20T19:13:50Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ Simpler is better for fintechs breaking into banking ]]></title>
      <link>https://www.americanbanker.com/opinion/simpler-is-better-for-fintechs-breaking-into-banking</link>
      <description><![CDATA[ LendingClub and Varo Money are making inroads into the traditional financial system, but other fintechs still face long odds.  ]]></description>
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      <pubDate>Thu, 20 Feb 2020 14:00:31 GMT</pubDate>
      <guid isPermaLink="false">00000170-5f7b-df0e-ab77-dfff92a90001</guid>
      <dc:creator>Todd H. Baker</dc:creator>
      <dc:date>2020-02-20T14:00:31Z</dc:date>
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      <myauthor:jobTitle>Senior Fellow, Columbia University</myauthor:jobTitle>
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      <title><![CDATA[ LendingClub to acquire Radius Bancorp for $185 million ]]></title>
      <link>https://www.americanbanker.com/news/lendingclub-to-acquire-radius-bancorp-for-185-million</link>
      <description><![CDATA[ The deal for Boston-based Radius would be the first in history in which an online lender buys a mainstream bank.  ]]></description>
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      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Fintech ]]></category>
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      <category><![CDATA[ Consumer lending ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <pubDate>Tue, 18 Feb 2020 22:14:07 GMT</pubDate>
      <guid isPermaLink="false">00000170-5a55-d70c-a7f0-5bff0a900001</guid>
      <dc:creator>Kevin Wack</dc:creator>
      <dc:date>2020-02-18T22:14:07Z</dc:date>
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      <title><![CDATA[ Fintech lenders tighten standards, become more like banks ]]></title>
      <link>https://www.americanbanker.com/articles/fintech-lenders-tighten-standards-become-more-like-banks</link>
      <description><![CDATA[ Easy credit has given way to cautiousness, with financial technology upstarts now seeking households with higher incomes, above-average credit scores and less debt relative to their wages.  ]]></description>
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      <category><![CDATA[ Consumer lending ]]></category>
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      <pubDate>Mon, 16 Dec 2019 15:14:01 GMT</pubDate>
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      <dc:date>2019-12-16T15:14:01Z</dc:date>
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      <title><![CDATA[ Charter or not, fintechs are already ‘banking’ ]]></title>
      <link>https://www.americanbanker.com/opinion/charter-or-not-fintechs-are-already-banking</link>
      <description><![CDATA[ A more practical approach for U.S. regulators on whether to bring fintechs into the banking fold might be "better the devil you know than the devil you don’t."  ]]></description>
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      <category><![CDATA[ Fintech ]]></category>
      <category><![CDATA[ Fintech regulations ]]></category>
      <category><![CDATA[ Licenses and charters ]]></category>
      <category><![CDATA[ Block ]]></category>
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      <pubDate>Fri, 22 Nov 2019 14:00:18 GMT</pubDate>
      <guid isPermaLink="false">0000016e-9351-d1b2-a16e-bbff11720000</guid>
      <dc:creator>Todd H. Baker</dc:creator>
      <dc:date>2019-11-22T14:00:18Z</dc:date>
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