New to P2P. So if I am reading this right, Prosper allows IRAs to trade on Folio, but you can't sell late notes. On LC, you can sell late notes on Folio, but you can't trade on Folio in an IRA account. Sounds like with LC, it's just a matter of time to get it approved since Prosper is already doing it. But, with Prosper, is there any thought on them ever allowing late notes to be sold on Folio? Overall, I like LC better and have started funding an IRA account, but I'm kinda bummed about the folio restriction which I didn't know about until after I signed up. Based on what I'm reading, it seems likely LC will get this worked out...I hope! Learning a lot on here, thanks for all the great posts.