Examining the evidence duly adopted and examined by the lower court and the first instance court, it is justifiable for the lower court to have convicted all of the facts charged in the instant case of violation of the Act on Registration of Credit Business, etc. and Protection of Finance Users, and violation of the Act on Promotion of Information and Communications Network Utilization and Information Protection, Etc.

There is no error of law by exceeding the bounds of the principle of free evaluation of evidence in violation of logical and empirical rules, or by misapprehending the legal principles on the registration of credit business, etc. and the scope of “interest” and “general offense” under the Act on the Protection of Finance Users.

Therefore, the appeal is dismissed. It is so decided as per Disposition by the assent of all participating Justices on the bench.