NAICS UNIVERSITY · Free research for insurance agents
Other Activities Related to Credit Intermediation
NAICS 522390 · United States · 2022 edition
This industry comprises establishments primarily engaged in facilitating credit intermediation (except mortgage and loan brokerage; and financial transactions processing, reserve, and clearinghouse activities).
Start with the work promised to the client.
For Other Activities Related to Credit Intermediation, clarify the services, contracts and consequences of an error. Review crime / employee dishonesty, professional liability / e&o, regulatory and compliance liability. Confirm which professional activities and additional services the proposed coverage actually addresses.
Questions to ask
- What specific services are offered — check cashing, money transmission, payday lending, loan servicing, or a combination?
- What is the approximate cash-on-premises amount at peak times, and what are the safe and vault specifications?
- In how many states does the business hold active financial services or money transmitter licenses?
- Has the business had any regulatory actions, license suspensions, or consumer protection investigations?
- What electronic funds transfer or payment processing systems are used, and what cybersecurity measures are in place?
- Are any third-party loan portfolios serviced, and if so, what is the approximate portfolio size?
- For Other Activities Related to Credit Intermediation, what should the underwriter know about prior regulatory actions, licensing suspensions, or consumer protection enforcement history?
- For Other Activities Related to Credit Intermediation, what should the underwriter know about high cash-on-premises amounts without documented vault or safe specifications and security protocols?
Activities described by this code
- Check cashing services
- Money order issuance services
- Loan servicing
- Travelers' check issuance services
- Money transmission services
- Payday lending services
Other activities to examine
- Arranging loans for others on a commission or fee basis: 522310 — Mortgage and Nonmortgage Loan Brokers
- Financial transactions processing, reserve, and clearinghouse activities (except commodity or securities exchange services): 522320 — Financial Transactions Processing, Reserve, and Clearinghouse Activities
- Furnishing physical or electronic marketplaces for the purpose of facilitating the buying and selling of securities and commodities: 523210 — Securities and Commodity Exchanges
- Operating commodity or securities exchange clearinghouses: 523999 — Miscellaneous Financial Investment Activities
- Foreign currency exchange dealing and brokering: 523160 — Commodity Contracts Intermediation
- Providing escrow services (except real estate): 523991 — Trust, Fiduciary, and Custody Activities;
- Operating pawnshops: 522299 — International, Secondary Market, and All Other Nondepository Credit Intermediation
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Businesses in this class facilitate credit-related financial services without directly lending their own capital as a bank — common operations include check cashing, payday lending, money order issuance, money transmission, travelers' check issuance, and loan servicing. Many locations handle significant cash volumes, process electronic funds transfers, and operate under state-level financial services licensing requirements.
Questions to investigate
- What specific services are offered — check cashing, money transmission, payday lending, loan servicing, or a combination?
- What is the approximate cash-on-premises amount at peak times, and what are the safe and vault specifications?
- In how many states does the business hold active financial services or money transmitter licenses?
- Has the business had any regulatory actions, license suspensions, or consumer protection investigations?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.