Even if the LendingProtocol proposal reached 29 validator votes immediately, the required two-week voting period prevents the lending feature from activating before early November 2026.

From the articleXRPL Bug Fix Nears Approval While Ripple Lending Proposal Stalls 10 Votes ShortAlso in XRP Ledger bug fix nears activation while Ripple’s bank lending system stays 10 votes short, XRP Ledger bug fix nears approval as lending launch remains on hold