First: These instructions apply to finance companies licensed to conduct one or more of the following types of financing activities:

1. Real estate financing
2. Financing of productive assets
3. Financing for small and medium enterprises (SMEs)
4. Finance leasing
5. Credit card financing
6. Consumer financing

Second: These instructions are considered as guidance for other financing activities licensed under the Finance Companies Control Law and its implementing regulations, except for provisions stated in relevant laws and instructions as mandatory. The Central Bank reserves the right to require the application of some or all of these instructions to other activities at any time.