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    522299 - International, Secondary Market, and All Other Nondepository Credit Intermediation

    When navigating the world of finance and government contracting, understanding specific NAICS codes is crucial. NAICS code 522299 represents the industry sector for International, Secondary Market, and All Other Nondepository Credit Intermediation—a diverse field pivotal to credit services beyond traditional banking. Whether you're a business owner, a government contractor, or an industry analyst, this code sheds light on specialized credit intermediation activities that do not involve accepting traditional deposits.


    What is NAICS Code 522299?

    NAICS code 522299 encompasses establishments primarily engaged in providing credit intermediation services that are not directly tied to depository institutions such as banks. These services include:

    • International credit financing
    • Secondary market credit activities
    • Other nondepository lending and credit intermediation services not classified elsewhere

    In essence, businesses under this classification facilitate lending and credit operations without utilizing traditional deposit-taking methods, allowing for a broad spectrum of unique financial services.


    Sector Overview: Finance and Insurance

    NAICS 522299 falls under the broader Finance and Insurance sector, covering innovative and specialized credit solutions crucial to modern financial markets. Typical business activities include various types of credit assistance, trade financing, loan repackaging, and mortgage-related financial services.

    Typical Business Activities Under NAICS 522299:

    • International trade financing
    • Secondary market loan purchasing and repackaging
    • Factoring accounts receivable
    • Car title lending
    • Collateralized mortgage obligation (CMO) issuing (private)
    • Student loan marketing and financing
    • Agricultural credit lending (excluding real estate and sales financing)
    • Export-import bank operations
    • Operations of industrial and trade banks (nondepository)
    • Pawnshops and credit-related services outside traditional deposit frameworks

    Size Standard for NAICS Code 522299

    To qualify under this NAICS code for government contracting or other regulatory purposes, a business must meet a size standard of $47 million dollars in average annual receipts. This benchmark defines small business eligibility under the U.S. Small Business Administration (SBA) standards.


    Examples of Businesses Classified Under NAICS 522299

    Common types of businesses and activities classified under NAICS 522299 include:

    • International credit agencies specializing in trade financing across borders
    • Secondary market credit brokers facilitating loan repurchases and securitizations
    • Nondepository loan companies offering various credit products without accepting deposits
    • Export trading companies involved in international credit facilitation
    • Student Loan Marketing Associations providing education-related financial intermediation
    • Pawnshops and similar nondepository credit entities

    Detailed Code Breakdown for NAICS 522299

    Code Details Description
    Agencies of foreign banks Trade financing for international transactions
    Agreement corporations International trade finance
    Agricultural credit institutions Loans and credit (excluding real estate and sales financing)
    Agricultural lending Credit related to agriculture excluding real estate sales
    Banks, industrial (nondepository) Industrial bank lending without accepting deposits
    Banks, trade (international trade financing) Credit services for trade banks involved internationally
    Car title lending Short-term loans secured by vehicle titles
    Collateralized mortgage obligation (CMO) issuing, private Issuance of private mortgage-backed securities
    Commodity Credit Corporation Government-backed commodity credit
    Edge Act corporations Entities chartered to engage in foreign banking activities
    Export trading companies Firms specializing in international export financing
    Export-Import banks Government institutions facilitating international trade loans
    Factoring accounts receivable Purchase and financing of accounts receivable
    Federal Agricultural Mortgage Corporation Government-related agricultural mortgage lending
    Federal Home Loan Banks (FHLB) Banks providing liquidity for home lending
    Federal Home Loan Mortgage Corporation (FHLMC) Mortgage finance entity
    Federal Intermediate Credit Bank Provides financing for agricultural and rural businesses
    Federal National Mortgage Association (FNMA) Government-sponsored mortgage finance
    Financing, secondary market Buying, pooling, and repackaging loans
    GNMA (Government National Mortgage Association) Backing government-insured mortgages
    Government-sponsored enterprises Entities supporting secondary market credit financing
    Industrial loan companies, nondepository Nonbank loan companies
    International trade financing Financing services for global trade
    Morris Plans, nondepository Historical nondepository loan providers
    National Credit Union Administration (NCUA) Credit union oversight and regulation
    Pawnshops Nonbank credit lenders secured by personal property
    Purchasing of accounts receivable Buying debt instruments
    Real estate mortgage investment conduits (REMICs), private Securitization of mortgage loans
    Repackaging loans for sale Creating loan-backed securities
    Secondary market financing Resale of loans and credit
    Short-term inventory credit lending Inventory-backed loans
    SLMA (Student Loan Marketing Association) Student loan securitization entities
    Trade banks Banks specialized in international trade
    Trade financing, international Credit for global commerce

    Frequently Asked Questions (FAQs)

    What does NAICS code 522299 specifically cover?

    It covers businesses engaged in nondepository credit intermediation such as international credit, secondary market loan activities, and other specialized credit services not involving traditional deposit accounts.

    Which sector does NAICS 522299 belong to?

    It belongs to the Finance and Insurance sector.

    What is the SBA size standard for businesses under this code?

    Businesses must have average annual receipts of $47 million or less to qualify as small businesses for contracting or regulatory purposes.

    Can pawnshops be classified under NAICS 522299?

    Yes, pawnshops fall within nondepository credit intermediation and are classified here.

    Are export-import banks part of this NAICS code?

    Yes, export-import banks involved in financing international trade fall under NAICS 522299.

    What types of lending activities qualify under this code?

    International trade financing, secondary market loan purchasing and repackaging, factoring, car title lending, and mortgage-backed securities issuing are examples.


    Understanding NAICS code 522299 allows businesses, government agencies, and financial institutions to accurately identify and categorize critical credit intermediation services outside traditional banking. With its extensive range of activities—spanning international trade finance to secondary market lending—this code represents a vital sector within the Finance and Insurance industry.

    For companies engaged in nondepository credit services, awareness of this code is key for compliance, contracting, and marketing strategies. Whether you are expanding your business or seeking government contracts, mastering the nuances of NAICS 522299 is a strategic advantage.