NPR has a story about The Lending Club (
http://www.npr.org/sections/alltechconsidered/2016/06/10/481474919/with-lending-club-disgraced-an-industry-looks-for-lessons) that contains the following quote:
The scandal started with a very big no-no: Employees of Lending Club went into the company database and doctored loan applications to make them look more appealing to investors. . . . 'Once the loan application has been made, that data is sacred,' says Peter Renton. 'That data should never be tampered with, never should be touched in any way.' . . . 'If you don't have oversight, so the regulation is actually being implemented and adhered to, then there's a problem,' he says.
Someday such companies will be required to hash such loan applications and then publish those hashes on the
BTClockchain as a form of public accountability, similar to the way legal notices are published in newspapers. That way you would "have oversight, so the regulation is actually being implemented and adhered to."
Someday.