My story today on Lending Club led to an exchange that explained why existing customers don't get any of the $300 bonus that new customers get when existing customers refer them:

"Unfortunately, the regulators consider that paying someone for providing 'financial advice.' Since (in general) most investors are not financial advisors and we don't have agreements to pay them for such advice, we can only pay the new person. In the existing scenario at least someone gets a benefit (and maybe they can take you to dinner!)."
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