Licensing of Money Lenders
A person carrying on business as a money lender in Hong Kong must obtain a money lender's licence. The licensing of money lenders and regulation of money-lending transactions are governed by the Money Lenders Ordinance, Chapter 163 of the Laws of Hong Kong.
Application for a money lender's licence and its renewal
Please refer to the following information pamphlets for details:
How to Apply for a Money Lenders Licence (pdf Format)
Fees payable under the Money Lenders Ordinance (pdf Format)
Please also refer to the Guideline on Application for New Issue / Renewal of and Endorsement on Money Lenders Licence (pdf Format).
Notices of applications for money lenders licences and renewals are published in the government gazette and two newspapers, namely, "The Standard" and "Hong Kong Economic Times".
A money lender's licence is valid for 12 months. Application for renewal of a licence should be made within 3 months prior to the expiration of the licence.
Obligations of a licensed money lender
A licensed money lender is required to notify the Registrar of Money Lenders or apply for endorsement on the licence, where appropriate, under the following circumstances:
Please refer to the information pamphlet 'Obligations of a Licensed Money Lender' (pdf Format) for details.
Restriction on advertisements
All advertisements issued or published for the purpose of the business of a licensed money lender must clearly show the money lender's licence number.
Search on records of licensed money lenders
Search on registered particulars of licensed money lenders can be conducted during search service hours at the following address :
Please click the links below to view or download the lists:
Complaints against money lenders
Complaints may be made with:
For complaints relating to improper debt collection practices, please report to the nearby police station.
Other financial institutions
Authorized institutions under the Banking Ordinance (Chapter 155 of the Laws of Hong Kong) (including banks, restricted licence banks and deposit-taking companies) are regulated by the Hong Kong Monetary Authority .
For enquiries on registration of Money Lenders and applications for Money Lenders Licences, please contact the Money Lenders Unit of the Companies Registry :