Techcrunch is reporting today that Prosper.com has filed for registration with the SEC to create a secondary loans marketplace, temporary halting all new new lending. The Prosper.com blog has all the details:

"Until we complete the registration process, we will not accept new lender registrations or allow new commitments from existing lenders."

It's unclear right now how long it will take for Prosper to get the heads-up from the SEC, but it likely won't just be a matter of weeks. Competitor Lending Club did the same thing last April, and only got an okay from the SEC a few days ago, according to Techcrunch.

All of this comes only days after Zopa decided to shut down its US site. It looks like the credit crisis is definitely taking its toll on P2P lenders. In theory, these sites should, well, prosper, because there is a high demand for alternative sources of funding, which in turn should drive the interest rates on P2P lending sites up, making them more attractive for investors. But the increasing need for higher regulation could kill this boom before it even materializes.

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