• NOGA
  • K FINANCIAL AND INSURANCE ACTIVITIES
    • 64 Financial service activities, except insurance and pension funding
      • 649 Other financial service activities, except insurance and pension funding
        • 6492 Other credit granting
          • 649201 Consumer credit granting n.e.c.
          • 649202 Other credit granting n.e.c.

This class includes financial service activities primarily concerned with making loans by institutions not involved in monetary intermediation, where the granting of credit can take a variety of forms, such as loans, mortgages, credit cards, etc., providing the following types of services:

• granting of consumer credit
• international trade financing
• provision of long-term finance to industry by industrial banks
• money lending outside the banking system
• credit granting for house purchase by specialised non-depository institutions
• pawnshops and pawnbrokers

This class excludes:

• credit granting for house purchase by specialised institutions that also take deposits (see 6419)
• operational leasing (see division 77) according to type of goods leased
• grant giving activities by membership organisations (see 949901)

Corresponding CPA codes

• 64.92.1 Other credit granting services, other than by monetary institutions
• 64.92.11 Inter-industry credit granting services, other than by monetary institutions

  This subcategory includes:

  • loans granted to financial intermediaries other than by monetary institutions

  It covers the issuing and management of loans and advances linked to the business carried out between financial intermediaries (as wholesale credit granting services, i.e. between enterprises allocated at NACE groups 64.1 and 64.9). It includes the granting of loans and advances to domestic and foreign financial intermediaries which are usually of short maturity, repayable on demand or after a short period of notice.

• 64.92.12 Consumer credit granting services, other than by monetary institutions

  This subcategory includes:

  • personal non-mortgage instalment loan services other than by monetary institutions consisting of granting loans with scheduled repayment plans
  • line-of-credit loan services, that is, loan services based on a commitment to lend funds to a borrower up to a specified amount
  • consumer loan services, that is, loan services extended for financing consumer purchases of goods or services where the purchased good is generally used as collateral
• 64.92.13 Residential mortgage credit granting services, other than by monetary institutions

  This subcategory includes:

  • services of granting loans other than by monetary institutions for the purpose of acquiring residential land or buildings and for which the land or buildings are used as security
  • home equity loans

  This subcategory excludes:

  • appraisal services, see 68.31.16
• 64.92.14 Non-residential mortgage credit granting services, other than by monetary institutions

  This subcategory includes:

  • services of granting loans for the purpose of acquiring non-residential land or buildings and for which the land or buildings are used as security

  This subcategory excludes:

  • appraisal services, see 68.31.16
• 64.92.15 Commercial non-mortgage credit granting services, other than by monetary institutions

  This subcategory includes:

  • loan services other than by monetary institutions to investment dealers and brokers, regulated financial institutions, federal, regional and local governments or school corporations, foreign governments, and other businesses
  • loan services to individuals for business purposes
  • standby, commitment and other loan services including overdraft services
  • services of guaranteeing and providing letters of credit
  • acceptance services, that is, agreements by a bank or other financial institution to pay a draft or a credit instrument issued by an institution
• 64.92.16 Credit card services, other than by monetary institutions

  This subcategory includes:

  • granting credit other than by monetary institutions when the holder of a credit card uses it to buy a good or a service, regardless of whether the balance is paid in full at the end of the grace period
• 64.92.19 Other credit granting services, other than by monetary institutions, n.e.c.

  This subcategory includes:

  • other credit-granting services, other than by monetary institutions, n.e.c.
  • sales financing services