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.
Combating money-lending related malpractice
Please refer to the following document for details:
Additional Licensing Conditions of Money Lenders Licence
Please refer to the following document for the additional licensing conditions:
With effect from 3 October 2016, an enquiry hotline has been set up at 2867 2567 to assist licensees and answer any relevant enquiries on the implementation of the Additional Licensing Conditions.
Guidelines on Additional Licensing Conditions of Money Lenders Licence
To facilitate compliance with the Additional Licensing Conditions on money lenders licences, a set of Guidelines are prepared to provide guidance for licensees on the requirements of the Additional Licensing Conditions. Please refer to the following document for details:
Beware of unscrupulous business practices by financial intermediaries
Publicity materials - Financial Services and the Treasury Bureau
TV Announcement in the Public Interest
Leaflet (pdf Format)
Poster (pdf Format)
Publicity materials - Hong Kong Police Force(Chinese version only)
Application for a money lender's licence and its renewal
With effect from 3 October 2016, all applications for money lenders licences or renewal of licences submitted to the Companies Registry must be accompanied with the relevant supplementary information sheets in addition to the application documents.
Please refer to the following information pamphlets for details:
How to Apply for a Money Lenders Licence (pdf Format) (Updated)
How to Apply for Renewal of a Money Lenders Licence (pdf Format) (New)
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.
Forms relating to Applications for Money Lenders Licences
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.
Please note the requirements on advertisements in the Additional Licensing Conditions of Money Lenders Licence which will take effect from 1 December 2016. Practical guidance for meeting the requirements on advertisements is contained in the 'Guidelines on Additional Licensing Conditions of Money Lenders Licence' (pdf Format).
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 :