1997 NAICS Definitions
522 Credit Intermediation and Related Activities

522 Credit Intermediation and Related Activities

Industries in the Credit Intermediation and Related Activities subsector group establishments that (1) lend funds raised from depositors; (2) lend funds raised from credit market borrowing; or (3) facilitate the lending of funds or issuance of credit by engaging in such activities as mortgage and loan brokerage, clearinghouse and reserve services, and check cashing services.

5221 Depository Credit Intermediation

This industry group comprises establishments primarily engaged in accepting deposits (or share deposits) and in lending funds from these deposits. Within this group, industries are defined on the basis of differences in the types of deposit liabilities assumed and in the nature of the credit extended.

52211 Commercial Banking

522110 Commercial Banking

This industry comprises establishments primarily engaged in accepting demand and other deposits and making commercial, industrial, and consumer loans. Commercial banks and branches of foreign banks are included in this industry.

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NAICSSICCorresponding Index Entries
522110602MBanks, commercial
5221106081Branches of foreign banks
522110602MCommercial banking
522110602MCommercial banks
522110602MDepository trust companies
5221106021National commercial banks
5221106022State commercial banks

52212 Savings Institutions

522120 Savings Institutions

This industry comprises establishments primarily engaged in accepting time deposits, making mortgage and real estate loans, and investing in high-grade securities. Savings and loan associations and savings banks are included in this industry.

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NAICSSICCorresponding Index Entries
522120603MBanks, savings
5221206035Federal savings and loan associations (S&L)
5221206035Federal savings banks
522120603MMutual savings banks
522120603MSavings and loan associations (S&L)
522120603MSavings banks
5221206036State savings banks

52213 Credit Unions

522130 Credit Unions

This industry comprises establishments primarily engaged in accepting members' share deposits in cooperatives that are organized to offer consumer loans to their members.

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NAICSSICCorresponding Index Entries
522130606MCredit unions
5221306061Federal credit unions
5221306062State credit unions

52219 Other Depository Credit Intermediation

522190 Other Depository Credit Intermediation

This industry comprises establishments primarily engaged in accepting deposits and lending funds (except commercial banking, savings institutions, and credit unions). Establishments known as industrial banks or Morris Plans and primarily engaged in accepting deposits, and private banks (i.e., unincorporated banks) are included in this industry.

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NAICSSICCorresponding Index Entries
5221906022Banks, private (i.e., unincorporated)
5221906022Industrial banks (i.e., known as), depository
5221906022Morris Plans (i.e., known as), depository
5221906022Private banks (i.e., unincorporated)

5222 Nondepository Credit Intermediation

This industry group comprises establishments, both public (government-sponsored enterprises) and private, primarily engaged in extending credit or lending funds raised by credit market borrowing, such as issuing commercial paper or other debt instruments or by borrowing from other financial intermediaries. Within this group, industries are defined on the basis of the type of credit being extended.

52221 Credit Card Issuing

522210 Credit Card Issuing

This industry comprises establishments primarily engaged in providing credit by issuing credit cards. Credit card issuance provides the funds required to purchase goods and services in return for payment of the full balance or payments on an installment basis. Credit card banks are included in this industry.

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NAICSSICCorresponding Index Entries
522210602MBanks, credit card
5222106141Charge card issuing
522210602MCredit card banks
522210614MCredit card issuing

52222 Sales Financing

522220 Sales Financing

This industry comprises establishments primarily engaged in sales financing or sales financing in combination with leasing. Sales financing establishments are primarily engaged in lending money for the purpose of providing collaterized goods through a contractual installment sales agreement, either directly from or through arrangements with dealers.

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NAICSSICCorresponding Index Entries
5222206159Automobile finance leasing companies
5222206141Automobile financing
5222206159Equipment finance leasing
5222206141Installment sales financing
5222206159Leasing in combination with sales financing
5222206159Machinery finance leasing
52222061M Sales financing
5222206159Truck finance leasing

52229 Other Nondepository Credit Intermediation

This industry comprises establishments primarily engaged in making cash loans or extending credit through credit instruments (except credit cards and sales finance agreements).

522291 Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to consumers.

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NAICSSICCorresponding Index Entries
5222916141Consumer finance companies (i.e., unsecured cash loans)
5222916141Finance companies (i.e., unsecured cash loans)
5222916141Loan companies (i.e., consumer, personal, small, student)
5222916141Personal credit institutions (i.e., unsecured cash loans)
5222916141Personal finance companies (i.e., unsecured cash loans)
5222916141Small loan companies (i.e., unsecured cash loans)
5222916141Student loan companies

522292 Real Estate Credit

This U.S. industry comprises establishments primarily engaged in lending funds with real estate as collateral.

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NAICSSICCorresponding Index Entries
5222926162Construction lending
5222926159Farm mortgage lending
5222926111Federal Land Banks
5222926162Home equity credit lending
5222926162Loan correspondents (i.e., lending funds with real estate as collaterial)
5222926162Mortgage banking (i.e., nondepository mortgage lending)
5222926162Mortgage companies
5222926162Real estate credit lending
5222926162Reverse mortgage lending

522293 International Trade Financing

This U.S. industry comprises establishments primarily engaged in providing one or more of the following: (1) working capital funds to U.S. exporters; (2) lending funds to foreign buyers of U.S. goods; and (3) lending funds to domestic buyers of imported goods.

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NAICSSICCorresponding Index Entries
5222936081Agencies of foreign banks (i.e., trade financing)
5222936082Agreement corporations (i.e., international trade financing)
5222936111Banks, trade (i.e., international trade financing)
5222936082Edge Act corporations (i.e., international trade financing)
5222936159Export trading companies (i.e., international trade financing)
5222936111Export-Import banks
5222936159International trade financing
5222936159Trade banks (i.e., international trade financing)

522294 Secondary Market Financing

This U.S. industry comprises establishments primarily engaged in buying, pooling, and repackaging loans for sale to others on the secondary market.

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NAICSSICCorresponding Index Entries
5222946111Federal Agricultural Mortgage Corporation
5222946111Federal Home Loan Mortgage Corporation (FHLMC)
5222946111Federal Intermediate Credit Bank
5222946111Federal National Mortgage Association (FNMA)
5222946111FHLMC (Federal Home Loan Mortgage Corporation)
5222946111FNMA (Federal National Mortgage Association)
5222946111GNMA (Government National Mortgage Association)
5222946111Government National Mortgage Association (GNMA)
5222946111Government-sponsored enterprises providing secondary market financing
5222946159Real estate mortgage investment conduits (REMICs) issuing, private
5222946159REMICs (real estate mortgage investment conduits) issuing, private
5222946111Repackaging loans for sale to others (i.e., private conduits)
52229461M Secondary market financing (i.e., buying, pooling, repackaging loans for sale to others)
5222946111SLMA (Student Loan Marketing Association)
5222946111Student Loan Marketing Association (SLMA)

522298 All Other Nondepository Credit Intermediation

This U.S. industry comprises establishments primarily engaged in providing nondepository credit (except credit card issuing, sales financing, consumer lending, real estate credit, international trade financing, and secondary market financing). Examples of types of lending in this industry are: short-term inventory credit, agricultural lending (except real estate and sales financing) and consumer cash lending secured by personal property. .

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NAICSSICCorresponding Index Entries
5222986159Agricultural credit institutions, making loans or extending credit (except real estate, sales fi
5222986159Agricultural lending (except real estate, sales financing)
5222986111Commodity Credit Corporation
5222986082Edge Act corporations (except international trade financing)
5222986153Factoring accounts receivable
5222986019Federal Home Loan Banks (FHLB)
5222986141Industrial banks (i.e., known as), nondepository
5222986141Industrial loan companies, nondepository
5222986141Morris Plans (i.e., known as), nondepository
5222986019National Credit Union Administration (NCUA)
5222985932Pawnshops
5222986153Purchasing of accounts receivable
5222986153Short-term inventory credit lending

5223 Activities Related to Credit Intermediation

This industry group comprises establishments primarily engaged in facilitating credit intermediation by performing activities, such as arranging loans by bringing borrowers and lenders together and clearing checks and credit card transactions.

52231 Mortgage and Nonmortgage Loan Brokers

522310 Mortgage and Nonmortgage Loan Brokers

This industry comprises establishments primarily engaged in arranging loans by bringing borrowers and lenders together on a commission or fee basis.

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NAICSSICCorresponding Index Entries
5223106163Agencies, loan
5223106163Brokerages, loan
5223106163Brokerages, mortgage
5223106163Brokers' offices, loan
5223106163Brokers' offices, mortgage
5223106163Loan brokerages
5223106163Loan brokers' or agents' offices (i.e., independent)
5223106163Mortgage brokerages
5223106163Mortgage brokers' or agents' offices (i.e., independent)

52232 Financial Transactions Processing, Reserve, and Clearinghouse Activities

522320 Financial Transactions Processing, Reserve, and Clearinghouse Activities

This industry comprises establishments primarily engaged in providing one or more of the following: (1) financial transaction processing (except central banks); (2) reserve and liquidity services (except central banks); and (3) check or other financial instrument clearinghouse services (except central banks).

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NAICSSICCorresponding Index Entries
5223206099Automated clearinghouses, bank or check (except central bank)
5223206099Bank clearinghouse associations
5223206099Check clearing services (except central banks)
5223206099Check clearinghouse services (except central banks)
5223207389Check validation services
5223206099Clearinghouses, bank or check
5223206153Credit card processing services
5223206099Electronic financial payment services
5223206099Electronic funds transfer services
5223206099Financial transactions processing (except central bank)
5223206099Reserve and liquidity services (except central bank)

52239 Other Activities Related to Credit Intermediation

522390 Other Activities Related to Credit Intermediation

This industry comprises establishments primarily engaged in facilitating credit intermediation (except mortgage and loan brokerage; and financial transactions processing, reserve, and clearinghouse activities).

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NAICSSICCorresponding Index Entries
5223906099Check cashing services
5223906162Loan servicing
5223906099Money order issuance services
5223906099Travelers' check issuance services