Quote from: dzungmobile on Today at 03:44:02 AM

Quote from: DireWolfM14 on Today at 12:21:06 AM

If someone registers an account just to request a no-collateral loan then he's not contributing to the forum, he's detracting from it. If he has collateral, then he can afford to buy a copper membership and post a request for a collateralized loan, or send a specific lender a PM requesting a collateralized loan. Or, god forbid, he can create an account to actually read, ask questions, learn, and contribute, which may cause him to earn a merit or two. Then ask for a loan if needed.

Borrowers
- Should be restricted with some 'not too hard' conditions to be posted in Lending board, I agree with you.
- Like those Rules for Serious Discussion and Ivory Tower]
- Quote
  - You must be at least a Jr Member to post in Serious Discussion, and a Full Member to post in Ivory Tower.
Lenders
- Should not be restricted, even they are newbies

but then how would the forum would know who to restrict at the get-go? do newbies need to be restricted as a default and would only be exempted once someone, a mod or a staff verified that the newbie was in that board to actually post a lending thread?