FORM 3
        
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940
                      

1. Name and Address of Reporting Person *

User-Friendly Holding, LLC		 2. Date of Event Requiring Statement (MM/DD/YYYY)
8/14/2020 

 3. Issuer Name and Ticker or Trading Symbol

LM FUNDING AMERICA, INC. [LMFA]
(Last)        (First)        (Middle)

10200 GROGANS MILL RD., SUITE 440		 4. Relationship of Reporting Person(s) to Issuer (Check all applicable)

_____ Director                          ___X___ 10% Owner
_____ Officer (give title below)        _____ Other (specify below)
(Street)

THE WOODLANDS, TX 77380      

(City)              (State)              (Zip)
5. If Amendment, Date Original Filed(MM/DD/YYYY)
 

6. Individual or Joint/Group Filing(Check Applicable Line)

___ Form filed by One Reporting Person
_X_ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		2. Amount of Securities Beneficially Owned
(Instr. 4)		3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock, $0.001 par value per share 1089618 I See Footnote (1)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 4)		2. Date Exercisable and Expiration Date
(MM/DD/YYYY)		3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		4. Conversion or Exercise Price of Derivative Security5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
(1) The shares of common stock reported herein are owned directly by User-Friendly Phone Book, LLC, a Delaware limited liability company ("UFPB"). UFPB is a wholly-owned subsidiary of, and is controlled by, User-Friendly Holding, LLC, a Delaware limited liability company ("UFH"). Jeffrey T. Stevenson controls the board of managers of UFH. This report shall not be deemed an admission that UFPB, UFH or any other person is the beneficial owner of the securities reported herein for purposes of Section 16 of the Securities Exchange Act of 1934, or for any other purpose.
Reporting Owners
Reporting Owner Name / Address
Relationships
Director10% OwnerOfficerOther
User-Friendly Holding, LLC
10200 GROGANS MILL RD., SUITE 440
THE WOODLANDS, TX 77380
X

User-Friendly Phone Book, LLC
10200 GROGANS MILL RD., SUITE 440
THE WOODLANDS, TX 77380
X
Signatures
User-Friendly Phone Book, LLC, By: /s/ Bruce Howard, Chief Executive Officer8/24/2020
**Signature of Reporting PersonDate

User-Friendly Holding, LLC, By: /s/ Bruce Howard, Chief Executive Officer8/24/2020
**Signature of Reporting PersonDate
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