FORM 4 [X] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).         
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN 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. Issuer Name and Ticker or Trading Symbol

LM FUNDING AMERICA, INC. [ LMFA ] 		5. Relationship of Reporting Person(s) to Issuer (Check all applicable)

_____ Director                    __X__ 10% Owner
_____ Officer (give title below)    _____ Other (specify below)
(Last)          (First)          (Middle)

10200 GROGANS MILL RD., SUITE 440		 3. Date of Earliest Transaction (MM/DD/YYYY)

8/18/2020
(Street)

THE WOODLANDS, TX 77380
(City)        (State)        (Zip)
4. 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 Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3) 		2. Trans. Date 2A. Deemed Execution Date, if any 3. Trans. Code
(Instr. 8) 		4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5) 		5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4) 		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 3)		2. Conversion or Exercise Price of Derivative Security3. Trans. Date3A. Deemed Execution Date, if any4. Trans. Code
(Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date7. Title and Amount of Securities Underlying Derivative Security
(Instr. 3 and 4)		8. Price of Derivative Security
(Instr. 5)		9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:

Remarks:
The reporting persons ceased to be 10% owner effective August 18, 2020. As a result, the reporting persons are no longer subject to Section 16 in connection with transactions in the equity securities of LM Funding America, Inc. and therefore will no longer report any such transactions on Form 4 or Form 5.
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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