Defendant

A Imprisonment with prison labor of one year and four months, and Defendant B shall be punished by imprisonment with prison labor of eight months.

, however, for two years from the date this judgment becomes final and conclusive.

Punishment of the crime

1. Defendant A: "2012 Highest 1993";

(a) Any person who intends to operate an unregistered credit business shall register with the Special Metropolitan City Mayor, Metropolitan City Mayor, Do Governor, or Special Self-Governing Province Governor who has jurisdiction over each business office;

Around January 2008, the Defendant, without registering a credit business, lent KRW 50 million from D to E, and actually deducted KRW 50 million with a prior interest, and thereafter, borrowed KRW 45 million from E after approximately one month, and received reimbursement of KRW 50 million from E. In addition, from around that time to November 1, 201, the Defendant used credit business with interest obtained by deducting the prior interest, etc. over 37 times, such as the attached list 1, from around that time, to around November 201.

(b) The unregistered credit service provider shall not receive interest rate of 49% per annum until January 20, 2009, interest rate of 30% per annum from January 21, 2009, and interest rate of 30% per annum from January 21, 2009, and even if the credit service provider completed the registration, it shall not receive interest exceeding 39% per annum.

The Defendant, around January 2008, lent KRW 50 million to E from P at P at P at P at P at P at P at P at P at P at P at P at P at P at P at P at P, deducted KRW 5 million from interest, and actually lent KRW 45 million from E after one month after repayment, and received interest equivalent to KRW 50 million from E at a rate exceeding 133% per annum, which is a statutory interest rate.

In addition, from around that time to April 3, 2012, the Defendant received interest in excess of the statutory interest rate over 32 times as shown in the attached Table 2 of the Crimes List of Crimes.

(c) Any debt collector who violates the Fair Debt Collection Practices Act and obstructs debt collection shall not assault, threaten, arrest, arrest, or detain the debtor in connection with debt collection, or use a deceptive scheme or force against him/her, and shall not engage in any act which seriously undermines the peace of privacy by repeatedly visiting the debtor or by telephone at night without justifiable grounds.