- In accordance with the amendment to the "Act on the Registration of Loan Businesses and Protection of Financial Users" (hereinafter referred to as the Loan Business Act) promulgated on January 21, 2025, and to be implemented on July 22, 2025, the regulations are revised to address the prohibition of misleading advertisements by government agencies, financial institutions, and subprime financial products. Additionally, adjustments are made to reflect the amendments to the "Saemaul Geumgo Act" (promulgated on January 7, 2025, and to be implemented on July 8, 2025), aiming to improve and supplement certain deficiencies identified in the current system.

2. Key Contents
[New/Strengthened Regulations]
a. Revised Provisions on Misleading Loan Advertisements by Government and Financial Institutions (Article 11)

- The scope of prohibited misleading advertisements is expanded to include policy-based subprime financial products recently launched by the Korea Inclusive Finance Agency.

[Regulations Not Newly Introduced or Strengthened]
b. Exemption from Capital Submission Requirement for Loan Brokerage Businesses (Article 3)

- Following the amendment of the Loan Business Act (promulgated on January 21, 2025, and to be implemented on July 22, 2025), which introduced capital requirements for loan brokers, the clause granting exemptions from capital submission obligations is removed.

c. Inclusion of the Personal Debtor Protection Act in Financial Laws (Article 10)

- Reflects the newly established Personal Debtor Protection Act, which came into effect on October 17, 2024.

d. Addition of Saemaul Geumgo Asset Management Company as a Transferable Loan Claims Institution (Article 12)

- Following the amendment to the Saemaul Geumgo Act (promulgated on January 7, 2025, and to be implemented on July 8, 2025), the Saemaul Geumgo Asset Management Company is added to the list of institutions allowed to purchase and manage bad debts.

e. Revised Loan Business Registration Application Forms (Appendices 1-1, 2, 5-1, 6, 7)

- Revised registration application forms to allow loan business registration authorities to verify the resident registration numbers of the business's chief executive during the registration process and to distinguish online loan brokers for registration.