<SEC-DOCUMENT>0001193125-25-005841.txt : 20250220
<SEC-HEADER>0001193125-25-005841.hdr.sgml : 20250220
<ACCEPTANCE-DATETIME>20250114091105
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001193125-25-005841
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250114

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Dave Inc./DE
		CENTRAL INDEX KEY:			0001841408
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				000000000
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		1265 SOUTH COCHRAN AVENUE
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90019
		BUSINESS PHONE:		8448573283

	MAIL ADDRESS:	
		STREET 1:		1265 SOUTH COCHRAN AVENUE
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90019

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	VPC Impact Acquisition Holdings III, Inc.
		DATE OF NAME CHANGE:	20210120
</SEC-HEADER>
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 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">January 14, 2025 </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>VIA
EDGAR </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. Securities and Exchange Commission </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Division of Corporation Finance </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Office of Finance </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Washington, D.C. 20549 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Attention: James Lopez </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Todd Schiffman </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>RE:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Dave Inc. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Form <FONT STYLE="white-space:nowrap">10-K</FONT> for Fiscal Year Ended December&nbsp;31, 2023 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Filed March&nbsp;5, 2024 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>File <FONT STYLE="white-space:nowrap">No.&nbsp;001-40161</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This letter is submitted
on behalf of Dave Inc. (the &#147;Company&#148;) as a supplement to the Company&#146;s response letter, dated August&nbsp;28, 2024 (the &#147;Initial Letter&#148;). This supplemental letter is intended to respond to questions raised by the staff of
the Division of Corporation Finance (the &#147;Staff&#148;) of the U.S. Securities and Exchange Commission (the &#147;Commission&#148;) on a conference call held on December&nbsp;16, 2024. The Initial Letter was submitted in response to the
Staff&#146;s letter dated July&nbsp;31, 2024 (the &#147;Comment Letter&#148;) regarding the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> filed March&nbsp;5, 2024. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For your reference, the text of each of the relevant Staff comments is reproduced below in italics, which are numbered to correspond with the
numbers set forth in the Comment Letter. The Company&#146;s supplemental responses to each comment immediately follow the reproduced text in regular typeface. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><U>Form <FONT STYLE="white-space:nowrap">10-K</FONT> for fiscal year ended 12/31/2023 </U></I></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><U>Demand Deposit Account: Dave Banking, page 8 </U></I></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><I>1.</I></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I>We note the statement on page 8 regarding your digital demand deposit account issued by Evolve. We also note
disclosure on your website, including the Dave Spending Account Deposit Agreement, which states that customer funds become eligible for FDIC insurance immediately upon placement into a <FONT STYLE="white-space:nowrap">&#147;Sub-Deposit</FONT>
Account at a Priority Bank.&#148; Please revise future filings here or under &#147;Regulation of our bank partnership model&#148; on page 16 to summarize and further explain your key third party relationships, including with the Priority Bank and <FONT
STYLE="white-space:nowrap">Sub-Account</FONT> entities. Disclose the relevant third parties and material terms of the relationships used to provide services to your customers. In this regard, advise us with a view toward future disclosure of:
</I></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I>whether any of your products and services or third-party vendors hold funds temporarily or indefinitely
without FDIC insurance (for example, we note the referenced on page 10 to Galileo);</I> </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman">In the Initial Letter, we
advised the Staff that customer funds subject to FDIC insurance are not held by Galileo nor are they held by the Company or by any other provider besides Evolve. We further clarify that customer funds are either held by Evolve in the <FONT
STYLE="white-space:nowrap">Sub-Deposit</FONT> Accounts, or, where a customer has authorized a deposit or withdrawal, the funds are in transit through standard payment systems. Customer funds are eligible for FDIC insurance when held by Evolve, a
member of the FDIC, in accordance with FDIC rules and regulations. This information will be added to the relevant disclosures in the Company&#146;s 2024 Form <FONT STYLE="white-space:nowrap">10-K,</FONT> along with clarifying information indicating
that Galileo does not hold any customer funds under this structure. </P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dave Inc. 1265 South Cochran Ave. Los Angeles, CA 90019 </P>

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 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman">Additionally, to the extent still applicable, the description of relationship between the Company and
Evolve Bank and Trust on page 10 of the 2023 Form <FONT STYLE="white-space:nowrap">10-K</FONT> will be enhanced in the 2024 Form <FONT STYLE="white-space:nowrap">10-K</FONT> by adding disclosure substantially similar to the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Under the terms of the Bank Services Agreement (BSA), among other obligations, Evolve is obligated to issue and maintain a deposit account to
each customer and issue and maintain the deposits in the deposit accounts in order to ensure the deposits are insured by the FDIC up to the standard maximum deposit insurance amount per customer. Under the terms of the BSA, the Company&#146;s
responsibilities include, among others, customer service, maintaining the technology and other aspects of the Program that do not constitute banking or money transmission, and maintaining ledger accounting of funds held in each deposit account and
any other records required by Evolve or by law necessary to ensure &#147;pass through&#148; FDIC insurance coverage. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><U>State licensing requirements
and regulation, page 14 </U></I></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><I>4.</I></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I>We note the statement that the application of state licensing requirements to your business model is not
always clear. You also indicate that state regulators may request or require that you obtain licenses or otherwise comply with additional requirements in the future, and you state on page 35 that &#147;[c]ertain&#148; states have adopted laws
regulating licensing, registration, notice filing, or other approval. You also state that you have (1)&nbsp;received inquiries from state regulatory agencies regarding requirements to obtain licenses, (2)&nbsp;responded to inquiries from
&#147;various states,&#148; and (3)&nbsp;entered into a 2021 MOU with California. With a view to disclosure in future filings, please advise us whether there are any significant updates to the status of state regulatory requirements materially
impacting you. </I></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman">As disclosed in the Company&#146;s Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the
quarterly period ended September&nbsp;30, 2024, filed on November&nbsp;12, 2024: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">In December 2021, the Company entered into a Memorandum
of Understanding (&#147;MOU&#148;) with the California Department of Financial Protection and Innovation (&#147;CA DFPI&#148;). The MOU required the Company to provide the CA DFPI with certain information as requested by the CA DFPI and adhere to
certain practices in connection with the Company&#146;s <U>prior </U>advance product (including certain disclosures related to us not being licensed by the CA DFPI). The CA DFPI finalized a new California Consumer Finance Protection Law regulation,
effective February&nbsp;15, 2025, which requires providers of income-based advances (and other providers) to register with the DFPI (the &#147;DFPI Regulation.&#148;) The DFPI Regulation has an exemption for bank-issued products such as ExtraCash.
The MOU will terminate on the DFPI Regulation&#146;s effective date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:7%; font-size:10pt; font-family:Times New Roman">In addition, in future filings, to the extent still applicable, the
Company will add clarifying information substantially similar to the following: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">The Company&#146;s prior advance product was no longer
offered after June, 2023 and there are no outstanding prior advances with balances owed. Accordingly, the Company believes that the termination of the MOU, as well as the DFPI Regulation, has no material impact on the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you have any questions concerning the enclosed matters, please contact the undersigned at <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">323-409-9239</FONT></FONT> or Raquel Fox, outside counsel to the Company, at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">202-371-7050.</FONT></FONT> </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top">Very truly yours,</TD></TR>
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<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Kyle Beilman</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Kyle Beilman</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Chief Financial Officer</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Dave Inc.</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">cc: Raquel Fox, Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dave Inc. 1265 South Cochran Ave. Los Angeles, CA 90019 </P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
