According to the Money Lenders Ordinance (Cap. 163) in Hong Kong, individuals engaged in the business of making loans or presenting themselves as money lenders are required to obtain a money lender’s license. The Ordinance governs the licensing and regulation of money lenders and money- lending transactions in Hong Kong. It defines a money lender as any person whose primary business activity involves making loans or who presents themselves in any manner as carrying on the business of money lending, regardless of whether they are engaged in any other business activities. The licensing process ensures that money lenders meet the necessary criteria, adhere to the prescribed regulations, and maintain the required standards of conduct in their lending operations. This framework aims to protect the interests of borrowers and maintain the integrity of the money lending industry in Hong Kong.