[sroussey]

1. Square, for example, does both payment processing and lending.

2. The idea of what you can or can not do varies quite a bit based on jurisdiction. For example, just searching for things related to democracy can lower your credit score in China.

[throwaway76543]

I'm not sure what you mean with the first bullet point. All banks which do payment processing do lending. It's inherent in the nature of the service, that's what the above article is about.