NAICS 522390 - Other Activities Related to Credit Intermediation
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What is NAICS 522390
NAICS code 522390 covers establishments primarily engaged in activities related to credit intermediation, excluding mortgage and loan brokerage as well as financial transaction processing, reserve, and clearinghouse activities. This sector includes businesses that facilitate credit services through various financial instruments and services such as check cashing, money order issuance, loan servicing, and payday lending. These entities provide essential financial access and liquidity solutions, especially for underserved populations who may lack traditional banking options. Government agencies contract these services to ensure efficient financial operations, support community financial inclusion programs, and manage funds disbursement and collection in specialized contexts.
Industry Classification for NAICS 522390
This industry comprises establishments primarily engaged in facilitating credit intermediation (except mortgage and loan brokerage; and financial transactions processing, reserve, and clearinghouse activities).
Illustrative Examples:
- Check cashing services
- Money order issuance services
- Loan servicing
- Travelers' check issuance services
- Money transmission services
- Payday lending services
Breakdown for NAICS 522390
- Encompasses establishments facilitating credit intermediation excluding mortgage/loan brokerage and clearinghouse activities.
- Includes services like check cashing, money order issuance, loan servicing, and payday lending.
- Targets financial inclusion and liquidity services primarily for underbanked or underserved customers.
- Small business size standards typically set by employee counts or annual receipts depending on service.
- Contracts often require compliance with federal financial regulations and consumer protection laws.
Included Activities for NAICS 522390
- Issuing money orders for government disbursements and public use.
- Providing check cashing services for employees and beneficiaries.
- Servicing loans on behalf of government-backed or private lenders.
- Issuing travelers' checks for official travel and commerce.
- Facilitating money transmission and electronic fund transfers.
- Operating payday lending services compliant with regulatory requirements.
- Managing payment collections and disbursement processing.
- Supporting financial transaction monitoring and reporting.
Business Types for NAICS 522390
- Check cashing service providers
- Money order and travelers' check issuers
- Loan servicing companies
- Money transmission and payment processing firms
- Payday lending businesses
- Financial service intermediaries specializing in credit facilitation
Subcategories for NAICS 522390
- Check cashing services
- Loan servicing
- Money order issuance services
- Money transmission services
- Payday lending services
- Travelers' check issuance services
Government Buyers for NAICS 522390
Federal, state, and local government agencies commonly purchase services under NAICS 522390 to support financial assistance programs, employee payroll services, and public benefit disbursement. Agencies such as the Department of Treasury, Social Security Administration, and Veterans Affairs rely on these services for efficient money transmission, check cashing, and loan servicing. Additionally, law enforcement and regulatory bodies may contract with businesses in this sector to aid in monitoring financial transactions and enforcing compliance with lending regulations. These contracts help governments maintain financial integrity and accessibility in their programs.
Contract Types & Procurement for NAICS 522390
Contracts under NAICS 522390 typically include fixed-price service agreements, task orders, and indefinite delivery/indefinite quantity (IDIQ) contracts. Procurement methods often involve competitive bidding, simplified acquisition procedures, and occasionally sole-source awards for specialized services. Contract values vary widely depending on scope, ranging from small-scale local service contracts to multi-million-dollar federal procurements for large-scale payment processing and loan servicing operations. Government contracts frequently include performance-based criteria to ensure timely and accurate financial service delivery.
Details for NAICS 522390
Explore the hierarchy and related codes for this industry
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