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FILE - In this Dec. 11, 2014, file photo, Renaud Laplanche, third from right, Founder & CEO of Lending Club, embraces company CFO Carrie Dolan during opening bell ceremonies of the New York Stock Exchange, to mark Lending Club's IPO. Silicon Valley is pressuring banks to change their ways or risk becoming the latest industry overtaken by technology. Hundreds of startups are offering easier and cheaper ways to save, borrow, spend and invest. Few of the startups have ever posted a profit, and one of the biggest, the Lending Club, is trying to recover from a breakdown that triggered Laplanche's resignation as CEO earlier in 2016. (AP Photo/Richard Drew, File)

FILE - In this Dec. 11, 2014, file photo, Renaud Laplanche, third from right, Founder & CEO of Lending Club, embraces company CFO Carrie Dolan during opening bell ceremonies of the New York Stock Exchange, to mark Lending Club's IPO. Silicon Valley is pressuring banks to change their ways or risk becoming the latest industry overtaken by technology. Hundreds of startups are offering easier and cheaper ways to save, borrow, spend and invest. Few of the startups have ever posted a profit, and one of the biggest, the Lending Club, is trying to recover from a breakdown that triggered Laplanche's resignation as CEO earlier in 2016. (AP Photo/Richard Drew, File)

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