RESTRICTED INDUSTRIES
Restricted industries (automatic decline) include:
mortgage companies, bail bond companies, or mutual fund managers)
High-Risk Industries (subject to stricter underwriting guidelines):
- Ammunition or Weapons Manufacturing; wholesale and retail
- Bail Bonds
- Check Cashing Agencies
- Energy, oil trading, or petroleum extraction or production
- Finance: (Federal Reserve Banks, foreign banks, banks, bank holding companies,
mortgage companies, bail bond companies, or mutual fund managers)
- Gaming or Gambling Activities
- Loans for the speculative purchases of securities or goods
- Pawn shops
- Political campaigns, candidates, or committees
- Public administration (e.g., city, county, state, and federal governmental agencies)
- X-rated products or entertainment
High-Risk Industries (subject to stricter underwriting guidelines):
- Agriculture or forest products
- Auto, recreational vehicle or boat sales
- Courier services
- Computer and software related services
- Dry cleaners
- Entertainment (adult entertainment is to be considered restricted)
- General contractors
- Gasoline stations or convenience stores (also known as c-stores)
- Healthcare; specifically nursing homes, assisted living facilities, and continuing care retirement centers
- Special trade contractors
- Hotels or motels
- Jewelry, precious stones and metals; wholesale and retail
- Limousine services
- Long distance or “over-the-road” trucking
- Mobile or manufactured home sales
- Phone sales and direct selling establishments
- Real estate agents/brokers
- Real estate developers or land subdividers
- Restaurants or drinking establishments
- Software or programming companies
- Taxi cabs (including the purchase of cab medallions) Travel agencies
