The Defendant is not guilty. The summary of the judgment of this case is publicly notified.

1. On March 18, 2016, when the Defendant lends money to D at the office of the Defendant located in Jung-gu, Daegu-gu, the summary of the facts charged is as follows: (a) there is no relationship with the E-Ga Loan Construction Corporation; and (b) there is no reason to collect the deposit money due to the fact that the nominal owner D, etc. lend money due to the shortage of construction funds; (c) there is no reason to collect the deposit money; and (d) in order to avoid the regulation of the loan business and the Act on the Restriction of Interest, the portion that the obligee received in relation to the lending and lending of money shall be regarded as interest; and (e) in order to avoid the regulation of the lending business and the Act on the Restriction of Interest, the amount that exceeds the maximum interest rate of 25 percent per annum per annum shall be regarded as null and void; and (e) to lend money to D with the documents related to the establishment of a collateral security in accordance with the usual use of the credit service provider, and to keep and publicly notify the amount to the Defendant as a deposit and interest.

'The letter of performance is also drawn up.

Then, the Defendant did not register the loan business with the competent authorities, transferred 200 million won to the Agricultural Cooperative Account (F) of D on March 18, 2016, and lent 200 million won. On the same day, the Defendant received payment of interest exceeding 25% per annum as interest between the three months of the same day (200 million won x 2.5% (2.5% per month) x 3 months) , 20 million won as loan work expenses, 20 million won as loan work expenses, and 20 million won as loan fees, and 55 million won as total considered as interest under the Act on the Registration of Side Business, etc. of Financial Users, and the Protection of Financial Users and Interest Restrictions Act.

As a result, the Defendant did not register with the competent authorities, and received interest exceeding 25% per annum, which is the highest interest rate under the Act on Registration of Loan Business and Protection of Financial Users as a unregistered credit service provider.

2. Determination

A. Registration of loan business, etc. to determine whether a credit service provider is running unregistered loan business and violated the interest rate limitation.