Proactive identification of households in crisis, including illegal private lending victims and vulnerable debtors — amendment to the Enforcement Decree of the Social Security Benefits Act approved by the Cabinet, crisis indicators expanded from 47 to 50 types
Source material is a Korean government announcement (in Korean).
Under the amendment to the Enforcement Decree of the Social Security Benefits Act approved by the Cabinet on September 22, 2026, information on households in financial crisis, such as victims of illegal private lending and vulnerable debtors, is linked to the welfare blind spot identification system so that the government can find them first and support them with welfare services.
Key facts
| Approval | Cabinet meeting on September 22, 2026 — partial amendment to the Enforcement Decree of the Social Security Benefits Act |
|---|---|
| Crisis indicators | Crisis indicators linked to the welfare blind spot identification system: 47 types → 50 types |
| Victims of illegal private lending | Information on people who reported to the Financial Supervisory Service Illegal Private Finance Damage Reporting Center collected as crisis indicators |
| Vulnerable debtors | Identification extended beyond those rejected for policy-based microfinance to those approved whose low income and credit suggest economic hardship |
| People whose debt adjustment lost effect | Expanded from long-term delinquents of 90 days or more to those whose adjustment lost effect while at risk of delinquency or delinquent for less than 90 days |
| Water usage | In addition to households with water supply cut off, information on households with unusual changes in water usage is also used |
| Inquiries | Ministry of Health and Welfare, Benefit Standards Division, 044-202-3144; Welfare Information Planning Division, 044-202-3161 |
Last checked:
The Ministry of Health and Welfare (보건복지부) announced on September 22, 2026 that the Cabinet approved a partial amendment to the Enforcement Decree of the Social Security Benefits Act (사회보장급여법 시행령) that links information on households in financial crisis, such as victims of illegal private lending, vulnerable debtors and people whose debt adjustment has lost effect, to the welfare blind spot identification system (복지사각지대 발굴시스템). As a result, the crisis indicators linked to the identification system will expand from 47 types to 50 types. Added are information on people who reported to the Financial Supervisory Service (금융감독원) Illegal Private Finance Damage Reporting Center, information on vulnerable debtors with low income and credit among those approved for policy-based microfinance (정책서민금융), and information on debtors whose debt adjustment lost effect because they did not carry out their adjustment plan (including those at risk of delinquency or currently delinquent for less than 90 days); information on households with unusual changes in water usage will also be used to connect them with welfare services.
Summaries below are factual notes based on government announcements and primary sources — not evaluations or opinions.
FAQ
Who is newly subject to identification?
Victims of illegal private lending who reported to the Financial Supervisory Service Illegal Private Finance Damage Reporting Center, vulnerable debtors with low income and credit among users of policy-based microfinance, individual debtors whose debt adjustment lost effect because they did not carry out their repayment plan (including those at risk of delinquency or delinquent for less than 90 days), and households with unusual changes in water usage.
What support will I receive if identified?
The government plans to use this information as crisis indicators to proactively identify households in financial crisis and connect them with the welfare services they need.