hmm, Maybe create a quiz that the users need to pass to prove they indeed read the threads. I dunno but there might be another way too.
Or maybe create some rules for the lending section and we could just report the threads that don't follow them.
It's definitely possible to do something against that but that may require some time to implement and resources and It's not a priority in the new forum software.
As for the rules posted there , 1) they are not official :
and 2) Moderators don't remove likely scams so users should use their brains and simply don't give any loans to those who don't provide any collateral's so at this point , reporting won't do much. All you could do for the moment is leave a negative trust or ignore the thread.