522291 — Consumer Lending
NAICS 522291 is 'Consumer Lending', a 2022 U.S. national industry under Sector 52 (Finance and Insurance); the SBA small-business size standard is $47,000,000.
Description
This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to consumers.
Illustrative Examples
- Finance companies (i.e., unsecured cash loans)
- Personal credit institutions (i.e., unsecured cash loans)
- Loan companies (i.e., consumer, personal, student, small)
- Student loan companies
Exclusions & Cross-References
- Accepting deposits and lending funds from these deposits--are classified in Industry Group 5221,
- Depository Credit Intermediation;
- Arranging loans for others on a commission or fee basis--are classified in Industry 522310, Mortgage and
- Nonmortgage Loan Brokers;
- Servicing loans or providing check cashing services--are classified in Industry 522390, Other Activities
- Related to Credit Intermediation;
- Providing credit sales by issuing credit cards--are classified in Industry 522210, Credit Card Issuing; and
- Factoring accounts receivables--are classified in U.S. Industry 522299, International, Secondary Market,
- and All Other Depository Credit Intermediation.
Overview Facts
| NAICS Code | 522291 |
|---|---|
| Industry Title | Consumer Lending |
| SBA Size Standard | $47,000,000 |
| IRS PBA Code | 522291 (exact match) |
| Sectors Hierarchy | Sector 52 → 522 → 5222 |
| Source / Verified | US Census 2022 NAICS Manual / 2026-06-28 |
NAICS Structure: 522291
National Industry
Sector (2)
52
Finance and Insurance
Subsector (3)
522
Credit Intermediation and Related Activities
Industry Group (4)
5222
Nondepository Credit Intermediation
Industry (5)
52229
Other Nondepository Credit Intermediation
National Industry (6)
522291
Consumer Lending
Legacy SIC Concordance
Trace the historical mapping chain from the 1987 Standard Industrial Classification (SIC) to the modern 2022 NAICS code format.
- SIC 6141 - Personal Credit Institutions (via SIC1987:6141→NAICS1997:522291→2002:522291→2007:522291→2012:522291→2017:522291→2022:522291)
Related Resources & Compliance Guides
Further regulatory reference links for NAICS code 522291:
- Sector 52 Directory Hub — List of related industries in the Finance and Insurance sector.
- SIC ↔ NAICS Crosswalk Tool — Look up mappings between legacy SIC codes and modern classifications.
- SBA Size Standards Guide — Complete rules and averaging periods for small business classifications.
- Calculating Annual Receipts Guide — Detailed worked example of revenue calculation rules.
- IRS Principal Business Activity Guide — How NAICS codes map to corporate and entity tax filings.
Related Industries in 5222
Frequently Asked Questions (FAQ)
Is 522291 a valid 2022 NAICS code?
NAICS 522291 is 'Consumer Lending', a 2022 U.S. national industry under Sector 52 (Finance and Insurance); the SBA small-business size standard is $47,000,000.
What is the SBA size standard for NAICS 522291?
The SBA small business size standard for NAICS 522291 is $47,000,000 (based on receipts).
What is the legacy SIC code mapping for 522291?
NAICS code 522291 maps to the legacy 1987 SIC codes: 6141 - Personal Credit Institutions.