Why does the lender's page say reports aren't being sent?

Because someone else would see them. A lender's reports folder is that lender's alone, so Galley won't set up reporting or put a report in it, from Margin or by hand, while anyone else can open it or all of Loan papers: a person, a group, or investors at a stage in Access by stage. The page says who.

To fix it, take their access away. If they can open all of Loan papers, share the folders inside it with them one by one instead. Then send what's due; Margin's months follow within the hour. Galley also guards against it: Share with a lender never shares another lender's reports folder, and no stage can open one.