UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20‑F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019* OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECUR ...

China Rapid Finance Limited (XRF) Q3 2019 Results Earnings Conference Call December 16, 2019 8:00 AM ET Company Participants Zhengyu Wang - Founder, Chairman & CEO Steven Foo - CFO & Executive Director Conference Call Participants Operator Hello, ladies and gentlemen. Thank you for standing by, and welcome to China Rapid Finance's 9 Months 2019 Earnings Conference Call. [Operator Instructions] Please note that today's conference call is being recorded. I will now turn the call over to the host for today's c ...