Peer-to-peer lending in the UK: Zopa and Ratesetter era (2005–2015)

1. Zopa launches UK person-to-person lending platform

   Mar 1, 2005Labels: Zopa, UK

   • TechCrunch
   • Zopa Wiki

2. Post-crisis credit squeeze boosts interest in P2P

   Sep 15, 2008Labels: Financial Crisis, UK

   • Funding Circle
   • Guardian

3. RateSetter incorporated, setting up its marketplace model

   Oct 1, 2009Labels: RateSetter, Retail Money

   • RateSetter Wiki

4. Funding Circle begins trading, widening P2P beyond consumers

   Aug 1, 2010Labels: Funding Circle, SME lending

   • Funding Circle
   • P2P Lending Wiki

5. RateSetter launches and popularizes a “provision fund”

   Oct 1, 2010Labels: RateSetter, Provision Fund

   • AltCreditInvestor
   • RateSetter Wiki

6. P2P Finance Association forms to set industry standards

   Aug 1, 2011Labels: P2P Finance, Zopa

   • AltCreditInvestor
   • Guardian

7. UK government backs marketplace lending for SME finance

   Dec 12, 2012Labels: UK Government, Business Finance

   • PYMNTS
   • Funding Circle

8. FCA consults on regulating loan-based crowdfunding

   Oct 24, 2013Labels: FCA, Loan-based crowdfunding

   • FCA CP13 13
   • FCA PS14 4

9. FCA crowdfunding rules take effect for P2P platforms

   Apr 1, 2014Labels: FCA, Crowdfunding rules

   • FCA PS14 4
   • CMS Law Now

10. Zopa reports passing $1 billion equivalent of loans

    Aug 11, 2014Labels: Zopa

    • PYMNTS
    • Independent

11. Treasury consults on adding P2P loans to ISAs

    Oct 17, 2014Labels: HM Treasury, ISA

    • HMT News
    • HMT Consult

12. Zopa’s annual origination accelerates, signaling mainstream adoption

    Nov 3, 2014Labels: Zopa

    • Independent
    • Guardian

13. UK Treasury updates and continues ISA eligibility work

    Jul 8, 2015Labels: HM Treasury, ISA

    • HMT Consult

14. Zopa surpasses £1 billion lent, capping the era’s growth

    Aug 17, 2015Labels: Zopa

    • CrowdfundInsider
    • Zopa Wiki