Victims of illegal private lenders can apply online from the 16th through the Credit Counseling and Recovery Service website or mobile app, after the Financial Services Commission announced the expansion on the 15th. The service replaces the previous requirement to visit one of 22 nationwide Integrated Support Centers for Low-Income Earners and is available on weekday evenings and weekends. Introduced by the government on February 23, the program combines counseling, debt resolution and legal assistance. Through the end of October, 987 victims reported 7,231 illegal-debt cases, with 776 resolved through agreements that relieved borrowers of further repayment obligations. Loans with annual interest above 60%, or involving violence, threats or sexual exploitation, are invalid under the revised Lending Business Act that took effect on July 22 of last year; in some cases, interest on loans from illegal lenders can also be invalidated. The Financial Services Commission plans to place police officers at the Credit Counseling and Recovery Service from December, while applicants needing help can call 1375.