Thanks, you led me to fact-check the 36% too. I may have been...

Thanks, you led me to fact-check the 36% too. I may have been thinking of another article I read on mortgages re non bank lending at 36%. From the Wisr RR

“US Market
The US market is by far the most developed for Peer to Peer Consumer Lending with US$21.1b allocated to the sector. It accounts for 60% of the $35b alternative finance market in the US.2 As the following exhibit demonstrates, 2013 appears to have been the inflection point for the sector, having secured a 1.6% share. From there, the sector has grown to 9.3% of total consumer lending flows. However it is worth noting that in 2016, the pace of growth slowed, with a 22% increase in peer to peer consumer lending that year, compared with a more than two-fold increase in 2015 over 2014.”