貸金業法施行規則法令名に(暫定版)と表示されているデータは、ネイティブや法令翻訳専門家によるチェック及び修正前のデータであり、今後、修正される場合があります。暫定版
Regulation for Enforcement of the Money Lending Business Act (Any data that the title of a law indicates to be a "Tentative translation" has not yet been proofread or corrected by a native English speaker or legal translation expert; this data may be revised in the future.Tentative translation)
昭和五十八年八月十日大蔵省令第四十号
Order of the Ministry of Finance No. 40 of August 10, 1983
貸金業の規制等に関する法律及び貸金業の規制等に関する法律施行令の規定に基づき、並びに同法及び同令を実施するため、貸金業の規制等に関する法律施行規則を次のように定める。
Pursuant to the provisions of the Act for Controls in the Money Lending Business and the Order for Enforcement of the Act for Controls in the Money Lending Business, and in order to enforce that Act and that Order, the Regulation for Enforcement of the Act for Controls in the Money Lending Business is established as follows.
(同一の会社等の集団に属する会社等への貸付け及び経営を共同で支配する会社等への貸付け)
(Loans Made to Companies that Belong to the Same Group of Companies and Loans Made to Companies whose Management is Jointly Controlled)
第一条 貸金業法施行令(昭和五十八年政令第百八十一号。以下「令」という。)第一条の二第六号に規定する他の会社等の総株主又は総出資者の共同の利益を損なうおそれがないと認められる貸付けとして内閣府令で定めるものは、同号ロ及びハに掲げる他の会社等(会社、組合その他これらに準ずる事業体(外国におけるこれらに相当するものを含む。)をいう。以下この条において同じ。)の総株主又は総出資者の同意に基づくものとする。
Article 1 (1) The loans specified by Cabinet Office Order as those posing no risk to the common interests of all the shareholders or all the investors of the Other Companies, etc., as prescribed in Article 1-2, item (vi) of the Order for Enforcement of the Money Lending Business Act (Cabinet Order No. 181 of 1983; hereinafter referred to as the "Order"), are to be based on the consent of all the shareholders or all the investors of the Other Companies, etc. (meaning companies, partnerships and other equivalent business entities (including equivalent entities in foreign states); hereinafter the same applies in this Article) listed in sub-items (b) and (c) of the same item.
2 令第一条の二第六号イに規定する内閣府令で定めるものは、会社等が他の会社等の財務及び事業の方針の決定を支配している場合における当該他の会社等(組合その他これに準ずる事業体(外国におけるこれらに相当するものを含む。)である場合にあつては、その総組合員又は総構成員が法人(外国の法令に準拠して設立された法人を含む。)であるものに限る。)とする。
(2) The Other Companies, etc. to be specified by Cabinet Office Order, as prescribed in Article 1-2, item (vi), sub-item (a) of the Order are, in cases where a company, etc. controls decisions over the financial and business policies of Other Companies, etc., the relevant Other Companies, etc. (in cases of partnerships or any other equivalent business entities (including equivalent entities in foreign states), limited to those for which all partners or all members are corporations (including corporations established in compliance with laws and regulations of foreign states)).
3 前項の「財務及び事業の方針の決定を支配している場合」とは、次に掲げる場合(財務上又は事業上の関係からみて他の会社等の財務又は事業の方針の決定を支配していないことが明らかであると認められる場合を除く。)をいう(以下この条において同じ。)。
(3) "Controls decisions over the financial and business policies" as prescribed in the preceding paragraph means the cases listed below (excluding cases in which it is deemed apparent that the company, etc. does not control the financial and business policies of another company, etc. in view of the financial or business relationship) (hereinafter the same applies in this Article):
一 他の会社等(次に掲げる会社等であつて、有効な支配従属関係が存在しないと認められるものを除く。以下この項において同じ。)の議決権の総数に対する自己(その子会社等(会社等が他の会社等の財務及び事業の方針の決定を支配している場合における当該他の会社等をいう。次項において同じ。)を含む。以下この項において同じ。)の計算において所有している議決権の数の割合が百分の五十を超えている場合
(i) cases where the ratio of the number of voting rights held by the company, etc. itself (including its subsidiary companies, etc. (meaning, in cases where the company, etc. controls the decisions over the financial and business policies of Other Companies, etc., the Other Companies, etc.; the same applies in the following paragraph); hereinafter the same applies in this paragraph) on its own account to the total number of voting rights of Other Companies, etc. (meaning any of the companies, etc. listed below and excluding those which are found to have no effective parent-subsidiary relationship; hereinafter the same applies in this paragraph) exceeds fifty percent:
イ 民事再生法(平成十一年法律第二百二十五号)の規定による再生手続開始の決定を受けた会社等
(a) a company, etc. subject to an order of commencement of rehabilitation proceedings pursuant to the provisions of the Civil Rehabilitation Act (Act No. 225 of 1999);
ロ 会社更生法(平成十四年法律第百五十四号)の規定による更生手続開始の決定を受けた株式会社
(b) a stock company subject to an order of commencement of reorganization proceedings pursuant to the provisions of the Corporate Reorganization Act (Act No. 154 of 2002);
ハ 破産法(平成十六年法律第七十五号)の規定による破産手続開始の決定を受けた会社等
(c) a company, etc. subject to an order of commencement of bankruptcy proceedings pursuant to the provisions of the Bankruptcy Act (Act No. 75 of 2004); or
ニ その他イからハまでに掲げる会社等に準ずる会社等
(d) any other company, etc. which is equivalent to any of those listed in items (a) through (c).
二 他の会社等の議決権の総数に対する自己の計算において所有している議決権の数の割合が百分の四十以上である場合(前号に掲げる場合を除く。)であつて、次に掲げるいずれかの要件に該当する場合
(ii) cases where the ratio of the number of voting rights held by the company, etc. on its own account to the total number of voting rights in Other Companies, etc. exceeds forty percent (excluding cases listed in the preceding item) and where any of the following requirements is satisfied:
イ 他の会社等の議決権の総数に対する次に掲げる議決権の数の合計数の割合が百分の五十を超えていること。
(a) that the ratio of the sum of the following numbers of voting rights in the Other Companies, etc. to the total number of voting rights in the Other Companies, etc. exceeds fifty percent:
(1) 自己の計算において所有している議決権
1. the voting rights owned by the company, etc. on its own account;
(2) 自己と出資、人事、資金、技術、取引等において緊密な関係があることにより自己の意思と同一の内容の議決権を行使すると認められる者が所有している議決権
2. the voting rights held by a person who is found to exercise their voting rights in the same manner as the intent of the company, etc. due to its close ties with the company, etc. in terms of contribution, personnel affairs, funds, technology, transactions, etc.; and
(3) 自己の意思と同一の内容の議決権を行使することに同意している者が所有している議決権
3. the voting rights held by any persons that have given their consent to exercising their voting rights in the same manner as the intent of the company, etc. itself;
ロ 他の会社等の取締役会その他これに準ずる機関の構成員の総数に対する次に掲げる者(当該他の会社等の財務及び事業の方針の決定に関して影響を与えることができるものに限る。)の数の合計数の割合が百分の五十を超えていること。
(b) that the ratio of the number of the following persons (limited to those who are capable of influencing decisions on the financial and business policies of Other Companies, etc.) to the total number of members of the board of directors or any other equivalent organization of the Other Companies, etc. exceeds fifty percent:
(1) 自己の役員(会社法施行規則(平成十八年法務省令第十二号)第二条第三項第三号に規定する役員をいう。)
1. officers of the company, etc. (meaning the officers prescribed in Article 2, paragraph (3), item (iii) of the Regulation for Enforcement of the Companies Act (the Ministry of Justice Order No. 12 of 2006));
(2) 自己の業務を執行する社員
2. members in charge of executing the business of the company, etc.;
(3) 自己の使用人
3. employees of the company, etc.; and
(4) (1)から(3)までに掲げる者であつた者
4. Persons who used to fall under 1, 2 or 3 above;
ハ 自己が他の会社等の重要な財務及び事業の方針の決定を支配する契約等が存在すること。
(c) that there exists a contract, etc. under which the company, etc. controls decisions over important financial and business policies of Other Companies, etc.;
ニ 他の会社等の資金調達額(貸借対照表の負債の部に計上されているものに限る。)の総額に対する自己が行う融資(債務の保証及び担保の提供を含む。以下ニにおいて同じ。)の額(自己と出資、人事、資金、技術、取引等において緊密な関係のある者が行う融資の額を含む。)の割合が百分の五十を超えていること。
(d) that the ratio of the amount financed by the company, etc. (the finance includes guarantee of debts and provisions of collateral; hereinafter the same applies in sub-item (d)) (the amount includes the amount financed by a person who has close ties with the company, etc. in terms of contribution, personnel affairs, funds, technology, transactions, etc.) to the total amount of funds procured by Other Companies, etc. (limited to the amount recorded in the liabilities section of the balance sheet) exceeds fifty percent; or
ホ その他自己が他の会社等の財務及び事業の方針の決定を支配していることが推測される事実が存在すること。
(e) that there exists any other fact from which it is assumed that the company, etc. controls decisions over the financial and business policies of the Other Companies, etc.
4 会社等及びその一若しくは二以上の子会社等又は当該会社等の一若しくは二以上の子会社等が財務及び事業の方針の決定を支配している他の会社等は、前二項の適用については、当該会社等の子会社等とみなす。
(4) When the company, etc. and any number of its subsidiary companies, etc., or Other Companies, etc. whose decisions over financial and business policies are controlled by any number subsidiary companies, etc. of the company, etc. are deemed as subsidiary companies, etc. of the company, etc. with regard to the application of the preceding two paragraphs.
5 令第一条の二第六号ロ及びハに規定する内閣府令で定める割合は、百分の二十とする。
(5) The ratio to be specified by Cabinet Office Order, as prescribed in Article 1-2, item (vi), sub-items (b) and (c) of the Order, is twenty percent.
(電磁的記録)
(Electronic and Magnetic Records)
第一条の二 貸金業法(昭和五十八年法律第三十二号。以下「法」という。)第二条第十一項に規定する内閣府令で定めるものは、電子的方式、磁気的方式その他人の知覚によつては認識することができない方式で作られる記録であつて、電子計算機による情報処理の用に供されるものとする。
Article 1-2 The reference, in Article 2, paragraph (11) of the Money Lending Business Act (Act No. 32 of 1983; hereinafter referred to as the "Act"), to a record specified by Cabinet Office Order means a record used in computer data processing which is created in electronic form, magnetic form, or any other form that cannot be perceived by the human senses.
(電磁的方法)
(Electronic or Magnetic Means)
第一条の二の二 法第二条第十二項に規定する内閣府令で定めるものは、次の各号に掲げる場合の区分に応じ、当該各号に定める方法とする。
Article 1-2-2 (1) The reference, in Article 2, paragraph (12) of the Act, to a means specified by Cabinet Office Order means the means that each of the following items prescribes for the category of cases set forth in the item:
一 電磁的方法による提供を受ける旨の承諾若しくは受けない旨の申出をする場合、法第四十一条の三十六第一項若しくは第二項に規定する同意を得る場合又は第三十条の十五第一項若しくは第二項に規定する同意を得る場合 次に掲げる方法
(i) when a person assents to be provided with information by electronic or magnetic means or indicates an unwillingness to be provided with information by electronic or magnetic means; when a Member Money Lender obtains the consent under Article 41-36, paragraph (1) or (2) of the Act; or when a Member Money Lender obtains the consent under Article 30-15, paragraph (1) or (2): the following means:
イ 承諾若しくは申出を受ける者又は同意を得る者の使用に係る電子計算機に備えられたファイルにその旨を記録する方法
(a) recording to that effect in a file on a computer used by the person to whom the assent or unwillingness is indicated or to the person obtaining the consent;
ロ 磁気ディスクその他これに準ずる方法により一定の情報を確実に記録しておくことができる物をもつて調製するファイルにその旨を記録したものを交付する方法
(b) delivering a magnetic disc, or anything else onto which a fixed set of data can be securely recorded through an equivalent means, containing a file into which a recording to that effect has been made;
二 前号に掲げる場合以外の場合 次に掲げる方法
(ii) in a case other than as set forth in the preceding item: the following means:
イ 電子情報処理組織を使用する方法のうち次に掲げるもの
(a) using an electronic data processing system as follows:
(1) 送信者の使用に係る電子計算機と受信者の使用に係る電子計算機とを接続する電気通信回線を通じて送信し、当該受信者の使用に係る電子計算機に備えられたファイルに記録する方法
1. in such a way that the data is transmitted over a telecommunications line that connects the computer used by the sender and the computer used by the recipient, and recorded in a file on the computer used by the recipient;
(2) 送信者の使用に係る電子計算機に備えられたファイルに記録された情報の内容を電気通信回線を通じて受信者の閲覧に供し、当該受信者の使用に係る電子計算機に備えられたファイルに当該情報を記録する方法
2. in such a way that data content recorded in a file on the computer used by the sender is provided over a telecommunications line for the recipient to inspect and recorded in a file on the computer used by the recipient;
ロ 磁気ディスクその他これに準ずる方法により一定の情報を確実に記録しておくことができる物をもつて調製するファイルに情報を記録したものを交付する方法
(b) delivering a magnetic disc, or anything else onto which a fixed set of data can be securely recorded through an equivalent means, containing a file into which the data has been recorded.
2 前項各号に定める方法は、次に掲げる基準に適合するものでなければならない。
(2) The means specified in the items of the preceding paragraph must conform to the following standards:
一 前項第一号に定める方法(電磁的方法による提供を受ける旨の承諾又は受けない旨の申出をする場合に限る。)にあつては、承諾又は申出を受ける者が承諾又は申出をする者に対し、電磁的方法による提供を受ける旨の承諾又は受けない旨の申出の内容を書面その他の適切な方法により通知するものであること。
(i) the means specified in item (i) of the preceding paragraph (limited to cases where a person assents to be provided with information by electronic or magnetic means or indicates an unwillingness to be provided with information by electronic or magnetic means) involves the person to whom the assent or unwillingness is indicated notifying the person assenting or indicating unwillingness of the details of the person's assent to be provided with information by electronic or magnetic means or of the details of the person's unwillingness to be provided with information by electronic or magnetic means, in writing or by other appropriate means;
二 前項第二号に定める方法にあつては、受信者がファイルへの記録を出力すること(当該記録を他の電子計算機に送信することその他の方法を用いて出力することを含む。)により書面を作成できるものであること。
(ii) the means specified in item (ii) of the preceding paragraph allows the recipient to create a paper document by outputting what has been recorded in the file (including outputting the relevant record by sending it to another computer or by other means);
三 前項第二号イに掲げる方法のうち受信者の電子計算機として携帯電話又はPHSを用いるものにあつては、送信した日又は閲覧に供した日から三月間、受信者の請求により、送信者が電磁的方法により提供した事項に係る書面の交付を行うものであること。
(iii) if the means set forth in item (ii), sub-item (a) of the preceding paragraph uses a cell phone or PHS handset as the recipient's computer, it is subject to the sender's issuance, at the request of the recipient, of a paper document giving the information that has been provided by electronic or magnetic means, during a three-month period from the day on which the information was sent or offered for inspection.
3 第一項第二号イの「電子情報処理組織」とは、送信者の使用に係る電子計算機と、受信者の使用に係る電子計算機とを電気通信回線で接続した電子情報処理組織をいう。
(3) The term "electronic data processing system" as used in paragraph (1), item (ii), sub-item (a) means an electronic data processing system that uses a telecommunications line to connect the computer used by the sender and the computer used by the recipient.
(個人信用情報の対象とならない契約)
(Contracts Excluded from Being Subject to Personal Credit Information)
第一条の二の三 法第二条第十四項に規定する内閣府令で定めるものは、次に掲げるものとする。
Article 1-2-3 The reference, in Article 2, paragraph (14) of the Act, to a contract specified by Cabinet Office Order means:
一 極度方式基本契約
(i) a Basic Contract for a Revolving Credit Loan;
二 手形(融通手形を除く。)の割引を内容とする契約
(ii) a contract for the discounting of negotiable instruments (excluding accommodation bills);
三 金融商品取引業者(金融商品取引法(昭和二十三年法律第二十五号)第二条第九項に規定する金融商品取引業者(同法第二十八条第一項に規定する第一種金融商品取引業又は同条第四項に規定する投資運用業を行う者に限る。)をいう。以下この条において同じ。)が顧客から保護預りをしている有価証券が金融商品取引業等に関する内閣府令(平成十九年内閣府令第五十二号)第六十五条第一号イからチまでに掲げるいずれかの有価証券(同法第二条第二項の規定によりこれらの有価証券とみなされる権利を含み、当該保護預りをした顧客の所有するものに限る。)であつて、当該顧客が当該有価証券を引き続き所有するために必要なものとして当該有価証券を担保として当該金融商品取引業者が行う金銭の貸付けのうち、当該顧客に貸し付ける金額が当該貸付けの時における当該有価証券の時価の範囲内であるもの(同号に規定するものを除く。)に係る契約
(iii) a contract wherein the securities deposited by the customer for safe custody to the Financial Instruments Business Operator (meaning the Financial Instruments Business Operator (limited to those engaged in the Type I Financial Instruments Business as prescribed in Article 28, paragraph (1) of Financial Instruments and Exchange Act (Act No. 25 of 1948) and the investment management business as prescribed in paragraph (4) of that Article) as prescribed in Article 2, paragraph (9) of that Act; hereinafter the same applies in this Article) are any of the securities set forth in Article 65, item (i), sub-items (a) through (h) of the Cabinet Office Order on Financial Instruments Business, etc. (Cabinet Office Order No. 52 of 2007) (including rights deemed to be the securities pursuant to Article 2, paragraph (2) of that Act, and limited to those held by the customers that deposited the securities for safe custody) and wherein, among the money loan necessary for the customer to continue to hold the securities and secured by the securities which is made by the Financial Instruments Business Operator, the amount loaned to the relevant customer is within the market value of the securities at the time of the loan (excluding the money loans specified in Article 65, item (i) of that Order);
四 金融商品取引業者が顧客から保護預りをしている有価証券が投資信託の受益証券のうち金融商品取引業等に関する内閣府令第六十五条第二号イからハまでに掲げるいずれかの有価証券(金融商品取引法第二条第二項の規定によりこれらの有価証券とみなされる権利を含み、当該保護預りをした顧客の所有するものに限る。)であつて、当該有価証券に係る解約を請求した顧客に対し、解約に係る金銭が支払われるまでの間に当該有価証券を担保として当該金融商品取引業者が行うその解約に係る金銭の額に相当する額の金銭の貸付け(同号に規定するものを除く。)に係る契約
(iv) a contract wherein the securities deposited by the customer for safe custody to the Financial Instruments Business Operator are, among the beneficiary certificates of an investment trust, any of the securities set forth in Article 65, item (ii), sub-items (a) through (c) of the Cabinet Office Order on Financial Instruments Business, etc. (including rights deemed to be the securities pursuant to Article 2, paragraph (2) of the Financial Instruments and Exchange Act, and limited to those held by the customer that deposited the securities for safe custody), and which is related to the money loan which is made by the Financial Instruments Business Operator to the customer that requested the cancellation in regard to the securities until the money for cancellation is paid, and which is secured by the securities and the money loaned by the Financial Instruments Business Operator is equivalent to the amount of money for the cancellation (excluding the money loans specified in Article 65, item (ii) of that Order); and
五 貸金業者を債権者とする金銭の貸借の媒介に係る契約
(v) a money brokerage agreement that has the Money Lender as the creditor.
第一条の二の四 貸金業者が特定非営利金融法人である場合にあつては、法第二条第十四項に規定する内閣府令で定めるものは、前条各号に掲げるもののほか、特定貸付契約とする。
Article 1-2-4 (1) In cases where a Money Lender is a Specified Non-Profit Finance Corporation, the reference, in Article 2, paragraph (14) of the Act, to a contract specified by Cabinet Office Order means a Specified Loan Contract, beyond what is listed in the items of the preceding Article.
2 前項の「特定非営利金融法人」とは、法第二十四条の六の二の規定により第二十六条の二十五の二第三項第一号に掲げる場合に該当する旨の届出を行つた貸金業者(当該届出の日以後同項第二号又は第三号に掲げる場合に該当することとなつた者を除く。)をいう。
(2) The term "Specified Non-Profit Finance Corporation" as used in the preceding paragraph means a Money Lender who, pursuant to the provisions of Article 24-6-2 of the Act, has made the notification to the effect that it comes to fall under the case listed in Article 26-25-2, paragraph (3), item (i) (the Money Lender excludes a person who falls under the case listed in Article 26-25-2, paragraph (3), item (ii) or (iii) on or after the day of the notification).
3 第一項の「特定貸付契約」とは、特定非営利活動貸付け又は生活困窮者支援貸付けに係る契約をいう。
(3) The term "Specified Loan Contract" as used in paragraph (1) means a contract pertaining to a Specified Non-Profit Activity Loan or Needy Person Support Loan.
4 前項の「特定非営利活動貸付け」とは、特定非営利活動(特定非営利活動促進法(平成十年法律第七号)第二条第一項に規定する特定非営利活動をいう。以下同じ。)として行われる貸付けであつて、次に掲げるすべての要件に該当して行われるものをいう。
(4) The term "Specified Non-Profit Activity Loan" as used in the preceding paragraph means a loan which is made as a Specified Non-Profit Activity (meaning a Specified Non-Profit Activity prescribed in Article 2, paragraph (1) of the Act to Promote Specified Non-profit Activities (Act No. 7 of 1998); the same applies hereinafter) and which satisfies all of the following requirements:
一 当該貸付けに係る契約を締結するまでに、当該貸付けに係る契約の相手方となろうとする者に係る返済能力に関する事項の調査として、当該者が貸金業者に対して負担する債務(保証債務を除く。以下この項において同じ。)の総額その他当該者(事業を営む者に限る。)の財務の状況を把握すること。
(i) that the total amount of obligations (excluding guarantee obligations; hereinafter the same applies in this paragraph) owed to Money Lenders by a person seeking to become the counterparty to the loan contract, and other financial conditions of the person (limited to a person engaged in business), will be confirmed, in an investigation of matters pertaining to the repayment capacity of the person, by the time when the loan contract is concluded;
二 当該貸付けに係る契約に係る保証契約を締結する場合にあつては、当該保証契約を締結するまでに、当該保証契約の保証人(次号において単に「保証人」という。)となろうとする者に係る返済能力に関する事項の調査として、当該者が貸金業者に対して負担する債務の総額を把握すること。
(ii) that, in cases where a guarantee contract pertaining to the loan contract is to be concluded, the total amount of obligations owed to Money Lenders by a person seeking to become a guarantor of the guarantee contract (simply referred to as the "Guarantor" in the following item) will be confirmed, in an investigation of matters pertaining to the repayment capacity of the person, by the time when the guarantee contract is concluded;
三 返済期間を通じて、当該貸付けに係る契約の相手方及び保証人に係る返済能力に関する事項の調査として、当該相手方及び保証人が貸金業者に対して負担する債務の総額その他当該相手方(事業を営む者に限る。)の財務の状況を定期的に把握し、必要に応じてこれらの者に対する助言又は指導を行うこと。
(iii) that, throughout the repayment period, the total amount of obligations owed to Money Lenders by the counterparty and the Guarantor of the loan contract, and other financial conditions of the relevant counterparty (limited to a person engaged in business), will be periodically confirmed, in an investigation of matters pertaining to the repayment capacity of the relevant counterparty and the Guarantor, and advice or guidance will be given to them as necessary;
四 当該貸付けに関し、貸金業者が年七・五パーセントを超える割合による利息(みなし利息(法第十二条の八第二項に規定するみなし利息をいう。)を含む。次項第四号及び第五条の三の二第一項において同じ。)の契約を締結し、又は当該割合による利息を受領し、若しくはその支払を要求しないこと。
(iv) that a Money Lender does not conclude a contract for interest (including Payment Regarded as Interest (meaning the Payment Regarded as Interest as prescribed in Article 12-8, paragraph (2) of the Act); the same applies in item (iv) of the following paragraph and Article 5-3-2, paragraph (1)) stipulating an interest rate exceeding 7.5 % per annum, nor does a Money Lender receive interest based on the relevant interest rate or demand the payment thereof, in connection with the relevant loan;
五 当該貸付けが特定非営利活動として行われている事実が確認できる書面又は当該書面に記載された情報の内容を記録した電磁的記録を、当該貸付けに係る契約に定められた最終の返済期日(当該貸付けに係る契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日(当該貸付けに係る契約が極度方式基本契約又は極度方式貸付けに係る契約である場合にあつては、当該極度方式基本契約の解除の日又は当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日))までの間保存すること。
(v) that a document by which the fact that the loan is made as a Specified Non-Profit Activity can be confirmed, or an electronic or magnetic record in which the content of the information stated in the document is recorded, will be preserved until the final repayment due date provided in the loan contract (in cases where the claim under the loan contract has extinguished upon performance or on any other grounds, the day on which the claim extinguished (in cases where the loan contract is a Basic Contract for a Revolving Credit Loan or a contract for a Revolving Credit Loan, the day of cancellation of the Basic Contract for a Revolving Credit Loan, or, among the final repayment due dates provided in all the contracts for Revolving Credit Loans under the Basic Contract for a Revolving Credit Loan, the latest date (in cases where all the claims under these contracts have extinguished upon performance or on any other grounds, the day on which the claims have extinguished), whichever comes later);
5 第三項の「生活困窮者支援貸付け」とは、生活困窮者を支援するための貸付けであつて、次に掲げるすべての要件に該当するものをいう。
(5) The term "Needy Person Support Loan" as used in paragraph (3) means a loan made with the purpose of supporting a needy person, which satisfies all of the following requirements:
一 当該貸付けに係る契約を締結するまでに、当該貸付けに係る契約の相手方となろうとする者が既に負担している債務を可能な限り整理し、かつ、当該貸付けに係る契約の相手方となろうとする者の経済生活の再生が行われるよう解決すべき課題の把握(以下この項において「アセスメント」という。)を、借入れ及び返済に関する相談について専門的な知識及び経験を有する者により行い、アセスメントの結果に基づき生活再建のための計画を策定するための措置を講じていること。
(i) that the obligations already owed by the person seeking to become the counterparty to the loan contract are settled as far as possible, the problems that must be solved in order to rehabilitate the economic life of the person seeking to become the counterparty to the loan contract are confirmed (hereinafter referred to as "Assessment" in this paragraph) by a person with expert knowledge and experience in the consultations with regard to borrowing and repayment, and the measures to formulate a livelihood rehabilitation plan are carried out based on the result of Assessment, by the time when the loan contract is concluded;
二 当該貸付けに係る契約に係る保証契約を締結する場合にあつては、当該保証契約を締結するまでに、当該保証契約の保証人(次号において単に「保証人」という。)となろうとする者に係る返済能力に関する事項の調査として、当該者が貸金業者に対して負担する債務の総額を把握すること。
(ii) that, in cases where a guarantee contract pertaining to the loan contract is to be concluded, the total amount of obligations owed to Money Lenders by a person seeking to become a guarantor of the guarantee contract (simply referred to as the "Guarantor" in the following item) is confirmed, in an investigation of matters pertaining to the repayment capacity of the person, by the time when that guarantee contract is concluded;
三 返済期間を通じて、第一号の生活再建のための計画の進捗状況並びに当該貸付けに係る契約の相手方及び保証人が負担する債務の総額(保証人にあつては、貸金業者に対して負担する債務の総額に限る。)を定期的に把握し、必要に応じてこれらの者に対する助言又は指導を行うこと。
(iii) that, throughout the repayment period, the progress of the livelihood rehabilitation plan under item (i), and the total amount of obligations owed by the counterparty and the Guarantor of the loan contract (in cases of the Guarantor, limited to the total amount of obligations owed to Money Lenders), are periodically confirmed, and advice or guidance is given to them as necessary;
四 当該貸付けに関し、貸金業者が年七・五パーセントを超える割合による利息の契約を締結し、又は当該割合による利息を受領し、若しくはその支払を要求しないこと。
(iv) that a Money Lender does not conclude a contract for interest stipulating an interest rate exceeding 7.5 % per annum, nor does a Money Lender receive interest based on the interest rate or demand the payment thereof, in connection with the loan;
五 当該貸付けが生活困窮者を支援するために行われている事実が確認できる書面又は当該書面に記載された情報の内容を記録した電磁的記録並びに第一号のアセスメント及び生活再建のための計画の内容を記載した書面又は当該書面に記載された情報の内容を記録した電磁的記録を、当該貸付けに係る契約に定められた最終の返済期日(当該貸付けに係る契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日(当該貸付けに係る契約が極度方式基本契約又は極度方式貸付けに係る契約である場合にあつては、当該極度方式基本契約の解除の日又は当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日))までの間保存すること。
(v) that a document by which the fact that the loan is made with the purpose of supporting a Needy Person can be confirmed, or an electronic or magnetic record in which the content of the information stated in the relevant document is recorded, and a document containing the contents of Assessment and the livelihood rehabilitation plan under item (i), or an electronic or magnetic record in which the content of the information stated in the document is recorded, is preserved until the final repayment due date provided in the loan contract (in cases where the claim under the loan contract has extinguished upon performance or on any other grounds, the day on which the claim extinguished (in cases where the loan contract is a Basic Contract for a Revolving Credit Loan or a contract for a Revolving Credit Loan, the day of cancellation of the Basic Contract for a Revolving Credit Loan, or, among the final repayment due dates provided in all the contracts for Revolving Credit Loans under the Basic Contract for a Revolving Credit Loan, the latest date (in cases where all the claims under these contracts have extinguished upon performance or on any other grounds, the day on which the claims have extinguished), whichever comes later);
6 前項の「生活困窮者」とは、収入をもつて最低限度の生活を維持するために必要な費用及び債務の弁済の費用を賄うことができない個人(これらの費用に充てるべき資産を有しない者に限る。)をいう。
(6) The term "Needy Person" as used in the preceding paragraph means an individual whose income cannot cover the expenses necessary for maintaining a minimum standard of living and the expenses for repayment of obligations (limited to a person who possesses no assets to be allocated to these expenses).
(定義)
(Definitions)
第一条の三 この府令において使用する用語は、特別の定めのある場合を除くほか、法において使用する用語の例による。
Article 1-3 Except as otherwise provided, the terms used in this Cabinet Office Order are being used in the same as in the Act.
貸金業法施行令に係る電磁的方法)
(Electronic and Magnetic Means under the Order for Enforcement of the Money Lending Business Act)
第一条の四 令第三条の二の五から第三条の五までの規定により示すべき方法の種類及び内容は、次に掲げる事項とする。
Article 1-4 The types and details of the means which must be indicated pursuant to the provisions of Articles 3-2-5 through 3-5 of the Order means the following information:
一 第一条の二の二第一項第二号に定める方法のうち貸金業者が使用するもの
(i) which of the means specified in Article 1-2-2, paragraph (1), item (ii) the Money Lender will use; and
二 ファイルへの記録の方式
(ii) in what format the data will be recorded in the file.
(登録の申請)
(Application of Registration)
第一条の五 法第三条第一項の規定による金融庁長官の登録を受けようとする者は、別紙様式第一号により作成した法第四条第一項の登録申請書(次項及び第四条第三項第二号において「登録申請書」という。)に、同条第二項の規定による添付書類(次項において「添付書類」という。)一部を添付して、その者の主たる営業所又は事務所(以下「営業所等」という。)の所在地を管轄する財務局長(当該所在地が福岡財務支局の管轄区域内にある場合にあつては、福岡財務支局長)に提出しなければならない。
Article 1-5 (1) A person seeking to be registered by the Commissioner of the Financial Services Agency under Article 3, paragraph (1) of the Act must submit a written application for registration under Article 4, paragraph (1) of the Act (referred to as the "Written Application for Registration" in the following paragraph and Article 4, paragraph (3), item (ii)) prepared using Appended Form No. 1, accompanied by one copy of the accompanying documents under paragraph (2) of that Article (referred to as the "Accompanying Documents" in the following paragraph) to the Director-General of the Local Finance Bureau that has jurisdiction over the location of the Principal Business Office or Office (hereinafter collectively referred to as the "Business Office, etc.") of the person (in cases where that location is within the jurisdictional district of the Fukuoka Local Finance Branch Bureau, the Director-General of the Fukuoka Local Finance Branch Bureau).
2 法第三条第一項の規定による都道府県知事の登録を受けようとする者は、登録申請書に、当該都道府県知事が定める部数の当該登録申請書の副本及び添付書類を添付して、当該都道府県知事に提出しなければならない。
(2) A person seeking to be registered by the prefectural governor under Article 3, paragraph (1) of the Act must submit a Written Application for Registration accompanied by the number of duplicate copies of the Written Application for Registration and the Accompanying Documents specified by the relevant prefectural governor, to the prefectural governor.
3 第一項に規定する「営業所又は事務所」とは、貸金業者又はその代理人が一定の場所で貸付けに関する業務(法第二条第一項に規定する貸付けの契約の締結並びに貸付けの契約に基づく金銭の交付及び債権の回収をいう。以下同じ。)の全部又は一部を継続して営む施設又は設備(自動契約受付機、現金自動設備(現金自動支払機及び現金自動受払機をいう。以下同じ。)及び代理店を含む。)をいう。ただし、現金自動設備にあつては、営業所等(現金自動設備を除く。)の同一敷地内(隣接地を含む。)に設置されたものを除く。
(3) The term "Business Office or Office" as used in paragraph (1) means any facility or equipment (including unmanned automatic contract machines, Automatic Cash Machines (meaning mono-function automated teller machines and multi-function automated teller machines; the same applies hereinafter), and Agent Offices) at which the Money Lender or the agent thereof continuously engages in the Loan Operations (meaning the conclusion of the Contract for a Loan defined in Article 2, paragraph (1) of the Act and the delivery of money and collection of claims under the Contract for a Loan; the same applies hereinafter) at a certain place; provided, however, that in cases of an Automatic Cash Machine, any facility or equipment established within the same site (including adjacent sites) as the Business Office, etc. (excluding Automatic Cash Machines) is excluded.
4 前項に規定する「代理店」とは、貸金業者の委任を受けて、当該貸金業者のために貸付けに関する業務の全部又は一部を代理した者が、当該業務を営む施設又は設備(銀行法(昭和五十六年法律第五十九号)第二条第一項に規定する銀行、長期信用銀行法(昭和二十七年法律第百八十七号)第二条に規定する長期信用銀行、協同組織金融機関の優先出資に関する法律(平成五年法律第四十四号)第二条第一項に規定する協同組織金融機関及び株式会社商工組合中央金庫の営業所又は事務所(現金自動設備に限る。)を除く。)をいう。
(4) The term "Agent Office" as used in the preceding paragraph means the facility or equipment at which the person acting as an agent for the Loan Operations in whole or in part on behalf of the Money Lender with the entrustment of the Money Lender, engages in the business (excluding business offices or offices (limited to Automatic Cash Machines) of the bank prescribed in Article 2, paragraph (1) of the Banking Act (Act No. 59 of 1981), the long-term credit bank prescribed in Article 2 of the Long-Term Credit Bank Act (Act No. 187 of 1952), the cooperative-structured financial institution prescribed in Article 2, paragraph (1) of the Act on Preferred Equity Investment by Cooperative Structured Financial Institutions (Act No. 44 of 1993) and the Shoko Chukin Bank Limited).
5 第一項に規定する「主たる営業所等」とは、法人にあつては登記簿上の本店又は事務所をいい、人格のない社団又は財団及び個人にあつては貸金業の業務全般を統括する施設をいう。
(5) The term "Principal Business Office, etc." as used in paragraph (1) means the head office or office stated on the register in the case of a corporation, and the facility at which the entire Money Lending Business is supervised in the case of an association or foundation without legal personality and individual.
(電子情報処理組織による登録の更新の申請の場合の納付方法)
(Method of Payment in the Case of Application for Renewal of Registration by Using Electronic Data Processing System)
第一条の六 令第二条第二項ただし書及び第三条の十三第二項(令第三条の十四第二項において読み替えて準用する場合を含む。)の規定により、現金をもつて手数料を納付するときは、行政手続等における情報通信の技術の利用に関する法律(平成十四年法律第百五十一号)第三条第一項の規定により同項に規定する電子情報処理組織を使用して行う法第三条第一項の内閣総理大臣の登録に係る同条第二項の登録の更新の申請により得られた納付情報により行うものとする。
Article 1-6 When the fees are to be paid by cash pursuant to the provisions of the proviso to Article 2, paragraph (2) and Article 3-13, paragraph (2) of the Order (including the cases where it is applied mutatis mutandis following the deemed replacement of terms pursuant to Article 3-14, paragraph (2) of the Order), the payment is to be made based on the payment information acquired through the application for renewal of registration under Article 3, paragraph (2) of the Act related to the registration from the Prime Minister under paragraph (1) of that Article, which is to be made by using an electronic data processing system prescribed in Article 3, paragraph (1) of the Act on Use of Information and Communications Technology in Administrative Procedures (Act No. 151 of 2002) pursuant to that paragraph.
(取締役等と同等以上の支配力を有する者)
(Persons Having Control Over the Corporation Which is Equivalent to or Greater Than That of Directors)
第二条 法第四条第一項第二号、第二十四条の二十七第一項第三号及び第三十一条第八号に規定する内閣府令で定めるものは、次に掲げるものとする。
Article 2 (1) The reference, in Article 4, paragraph (1), item (ii), Article 24-27, paragraph (1), item (iii), and Article 31, item (viii) of the Act, to persons specified by Cabinet Office Order means:
一 当該法人の総株主等の議決権(総株主、総社員又は総出資者の議決権(株式会社にあつては、株主総会において決議をすることができる事項の全部につき議決権を行使することができない株式についての議決権を除き、会社法(平成十七年法律第八十六号)第八百七十九条第三項の規定により議決権を有するものとみなされる株式についての議決権を含む。)をいう。以下同じ。)の百分の二十五を超える議決権に係る株式又は出資(以下「株式等」という。)を自己又は他人(仮設人を含む。以下この条において同じ。)の名義をもつて所有している個人
(i) an individual that holds shares of equity (hereinafter collectively referred to as the "Shares, etc.") pertaining to the voting rights exceeding 25 percent of the Voting Rights Held by All the Shareholders, etc. (meaning the voting rights (in the case of a stock company, excluding voting rights of shares which may not be exercised for all the matters which can be resolved at a shareholders' meeting, and including voting rights of shares for which the shareholders are deemed to hold the voting rights pursuant to the provisions of Article 879, paragraph (3) of the Companies Act (Act No. 86 of 2005)) held by all the shareholders, all the members, or all the investors; the same applies hereinafter) of the relevant corporation, under the person's own name or another person's name (including a fictitious name; hereinafter the same applies in this Article);
二 当該法人の親会社(会社法第二条第四号に規定する親会社をいう。以下同じ。)の総株主等の議決権の百分の五十を超える議決権に係る株式等を自己又は他人の名義をもつて所有している個人
(ii) an individual that holds the Shares, etc. pertaining to the voting rights exceeding 50 percent of the Voting Rights Held by All the Shareholders, etc. of the Parent Company (meaning the Parent Company as defined in Article 2, item (iv) of the Companies Act; the same applies hereinafter) of the relevant corporation, under the person's own name or another person's name;
三 当該法人(人格のない社団又は財団で代表者又は管理人の定めのあるものを含む。以下この号、次号、第四条、第五条の二第二号、第五条の三の二第一項第三号ロ並びに第二項第一号及び第四号ロ、第五条の四第一項第一号、第五条の五第一項第一号並びに第二項第一号及び第二号、第八条第二号ロ、第二十六条の二十七第二号イ、第二十六条の二十九第三項第一号、第三十条第十号、第三十条の二第一項、第三十条の三第一項並びに第三十条の七第二号において同じ。)の業務を執行する社員又はこれらに準ずる者が法人である場合におけるその職務を行うべき者
(iii) a member in charge of executing the business of the relevant corporation (including associations or foundations without legal personality having a representative person or administrator; hereinafter the same applies in this item, the following item, Article 4, Article 5-2, item (ii), Article 5-3-2, paragraph (1), item (iii), sub-item (b) and paragraph (2), item (i) and item (iv), sub-item (b), Article 5-4, paragraph (1), item (i), Article 5-5, paragraph (1), item (i) and paragraph (2), items (i) and (ii), Article 8, item (ii), sub-item (b), Article 26-27, item (ii), sub-item (a), Article 26-29, paragraph (3), item (i), Article 30, item (x), Article 30-2, paragraph (1), Article 30-3, paragraph (1), and Article 30-7, item (ii)), or in cases where a person equivalent to the person is a corporation, a person to perform its duties; and
四 当該法人の業務を執行する社員、取締役、執行役、代表者、管理人若しくはこれらに準ずる者又は前三号に掲げる者が未成年者である場合におけるその法定代理人
(iv) a member in charge of executing the business, director, executive officer, representative person, or administrator of the relevant corporation or persons equivalent thereto, or in cases where the person set forth in the preceding three items is a minor, the statutory agent thereof.
2 前項第一号又は第二号の場合において、これらの規定に掲げる者が保有する議決権には、社債、株式等の振替に関する法律(平成十三年法律第七十五号)第百四十七条第一項又は第百四十八条第一項(これらの規定を同法第二百二十八条第一項、第二百三十五条第一項、第二百三十九条第一項及び第二百七十六条(第二号に係る部分に限る。)において準用する場合を含む。)の規定により発行者に対抗することができない株式等に係る議決権を含むものとする。
(2) In the case referred to in item (i) or (ii) of the preceding paragraph, the voting rights held by the persons set forth in these provisions are to include voting rights in respect of Shares, etc. which may not be duly asserted against the issuer pursuant to the provisions of Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Transfer of Corporate Bonds, Shares (Act No. 75 of 2001) (including the cases where these provisions are applied mutatis mutandis pursuant to Article 228, paragraph (1), Article 235, paragraph (1), Article 239, paragraph (1), and Article 276 (limited to the part pertaining to item (ii)) of that Act).
(登録に当たり審査の対象等となる使用人)
(Employees Subject to Examination Upon Registration)
第三条 令第三条及び第三条の七第三号に規定する内閣府令で定めるものは、次に掲げるものとする。
Article 3 The reference, in Article 3 and Article 3-7, item (iii) of the Order, to persons specified by Cabinet Office Order means:
一 支配人、本店長、支店長、営業所長、事務所長その他いかなる名称を有する者であるかを問わず、営業所等の業務を統括する者
(i) a manager, head office manager, branch office manager, business office manager, or office director, or irrespective of their titles, a person that supervises the business of the Business Office, etc.;
二 主たる営業所等(第一条の五第五項に規定する主たる営業所等をいう。以下同じ。)においては、部長、次長、課長その他いかなる名称を有する者であるかを問わず、それらと同等以上の職にあるものであつて、貸付け、債権の回収及び管理その他資金需要者等の利益に重大な影響を及ぼす業務について、一切の裁判外の行為をなす権限を有する者
(ii) in a Principal Business Office, etc. (meaning the Principal Business Office, etc. as prescribed in Article 1-5, paragraph (5); the same applies hereinafter), a department manager, department vice manager, section manager, or irrespective of their titles, persons holding the position equivalent to or greater than the persons, and holding the authority to conduct any non-judicial acts with regard to Loans, collection and management of claims and any other business that has a material influence on the interests of the Persons Seeking Funds, etc.;
三 貸付けに関する業務に従事する使用人の数が五十人以上の従たる営業所等(主たる営業所等以外の営業所等をいう。以下同じ。)においては、支店次長、副支店長、副所長その他いかなる名称を有する者であるかを問わず、当該営業所等の業務を統括する者の権限を代行し得る地位にある者
(iii) in a Secondary Business Office, etc. (meaning Business Office, etc. other than the Principal Business Office, etc.; the same applies hereinafter) in which the number of employees engaged in the Loan Operations is 50 or more, a branch vice manager, branch sub manager, sub business office director, or irrespective of their titles, a person in a position to act as a person that supervised the business of the relevant Business Office, etc.
(登録申請書に記載する連絡先等)
(Point of Contact Stated on the Written Application for Registration)
第三条の二 法第四条第一項第七号に規定する内閣府令で定めるものは、次に掲げるものとする。
Article 3-2 (1) The reference, in Article 4, paragraph (1), item (vii) of the Act, to another point of contract, etc. specified by Cabinet Office Order means:
一 電話番号(場所を特定するもの並びに当該場所を特定するものに係る着信課金サービス及び統一番号サービスに係るものに限る。)
(i) telephone numbers (limited to those for specifying the place and those related to the collect call service and integrated number service for specifying the relevant place);
二 ホームページアドレス(使用する自動公衆送信装置(著作権法(昭和四十五年法律第四十八号)第二条第一項第九号の五イに規定する自動公衆送信装置をいう。)のうちその用に供する部分をインターネットにおいて識別するための文字、番号、記号その他の符号又はこれらの結合であつて、情報の提供を受ける者がその使用に係る電子計算機に入力することによつて当該情報の内容を閲覧することができるものをいう。以下同じ。)
(ii) website URL (meaning the characters, numbers, marks or any other codes, or the combination thereof which are assigned for the identification, on the Internet, of the part of the Automatic Public Transmission Server (meaning the automatic public transmission server as prescribed in Article 2, paragraph (1), item (ix)-5, sub-item (a) of the Copyright Act (Act No. 48 of 1970)) used, and which allow the person provided with the information to inspect the details of the relevant information by the input thereof in the computer used by the person; the same applies hereinafter); and
三 電子メールアドレス(電子メールの利用者を識別するための文字、番号、記号その他の符号をいう。以下同じ。)
(iii) E-mail Address (meaning characters, numbers, marks, or any other codes assigned for the identification of the user of the e-mail; the same applies hereinafter).
2 前項第二号又は第三号に掲げるものを法第四条第一項第七号に掲げる事項として同項の登録申請書に記載する場合には、前項第一号に掲げるもののいずれかを併せて記載しなければならない。
(2) In cases of stating the point of contracts, etc. set forth in item (ii) or (iii) of the preceding paragraph as the matters set forth in Article 4, paragraph (1), item (vii) of the Act, in the written application for registration under that paragraph, any of those set forth in item (i) of the preceding paragraph must be stated as well.
(登録申請書の添付書類)
(Accompanying Documents to the Written Application for Registration)
第四条 法第四条第二項第一号に掲げる法第六条第一項各号に該当しないことを誓約する書面は、別紙様式第一号の二により作成しなければならない。
Article 4 (1) The document in which the applicant denies falling under any of the items of Article 6, paragraph (1) of the Act set forth in Article 4, paragraph (2), item (i) of the Act must prepared using Appended Form No. 1-2.
2 法第四条第二項第二号及び第三号に規定する内閣府令で定める書類は、運転免許証等(道路交通法(昭和三十五年法律第百五号)第九十二条第一項に規定する運転免許証又は同法第百四条の四第五項に規定する運転経歴証明書をいう。第三十条の十三第一項第六号及び第八号において同じ。)、旅券(出入国管理及び難民認定法(昭和二十六年政令第三百十九号)第二条第五号に規定する旅券をいう。)、在留カード(出入国管理及び難民認定法第十九条の三に規定する在留カードをいう。第三十条の十三第一項第七号において同じ。)、特別永住者証明書(日本国との平和条約に基づき日本の国籍を離脱した者等の出入国管理に関する特例法(平成三年法律第七十一号)第七条第一項に規定する特別永住者証明書をいう。第三十条の十三第一項第七号において同じ。)、個人番号カード(行政手続における特定の個人を識別するための番号の利用等に関する法律(平成二十五年法律第二十七号)第二条第七項に規定する個人番号カードをいう。)その他の官公署から発行され、又は発給された書類その他これに類するものであつて、氏名、住所及び生年月日の記載があり、かつ、当該官公署が所持人の写真をはり付けたものとする。ただし、当該書類を所持しない場合には、官公署から発行され、又は発給された書類その他これに類するものであつて、氏名、住所及び生年月日の記載があるもの(次項第一号に掲げる書類を除く。)並びに申請の日前三月以内に撮影した単独、上三分身、無帽、正面、無背景の縦の長さ四センチメートル、横の長さ三センチメートルの写真で、その裏面に氏名及び撮影年月を記入したものとする。
(2) The reference, in Article 4, paragraph (2), items (ii) and (iii) of the Act, documents specified by Cabinet Office Order means a driver's license, etc. (meaning the driver's license referred to in Article 92, paragraph (1) of the Road Traffic Act (Act No. 105 of 1960), or the certificate of driving history referred to in Article 104-4, paragraph (5) of the same Act; the same applies in Article 30-13, paragraph (1), items (vi) and (viii)), Passports (meaning the passports prescribed in Article 2, item (v) of the Immigration Control and Refugee Recognition Act (Cabinet Order No. 319 of 1951)), Residence Card (meaning the Residence Card as prescribed in Article 19-3 of the Immigration Control and Refugee Recognition Act; the same applies in Article 30-13, paragraph (1), item (vii)), Special Permanent Resident Certificate (meaning the Special Permanent Resident Certificate as prescribed in Article 7, paragraph (1) of the Special Act on the Immigration Control of, Inter Alia, Those Who Have Lost Japanese Nationality Pursuant to the Treaty of Peace with Japan (Act No. 71 of 1991); the same applies in Article 33-13, paragraph (1), item (vii)), Individual Number Card (meaning the individual number card as prescribed in Article 2, paragraph (7) of the Act on the Use of Numbers to Identify a Specific Individual in Administrative Procedures (Act No. 27 of 2013)), or any other documents issued by a public agency or those equivalent thereto, bearing the name, address, date of birth and a picture of the possessor thereof; provided, however, that in cases where the relevant person does not possess the documents, it means a document issued by the public agency or those equivalent thereto in which the name, address, and date of birth is stated (excluding documents set forth in item (i) of the following paragraph), and a 4 cm long, 3 cm wide photograph showing only the person in question in a front-facing pose, hatless, from the chest up, and against a solid background, taken within three months prior to the date of application with the person's name and date the photograph was taken written on the back thereof.
3 法第四条第二項第五号に規定する内閣府令で定める書類は、次に掲げる書類(官公署が証明する書類の場合には、申請の日前三月以内に作成されたものに限る。)とする。
(3) The reference, in Article 4, paragraph (2), item (v) of the Act, to documents specified by Cabinet Office Order means the following documents (in cases of documents certified by public agencies, limited to those prepared within three months prior to the date of application):
一 登録申請者(法人である場合にあつてはその役員(法第四条第一項第二号に規定する役員のうち法人である者を除く。以下この号において同じ。)とし、未成年者である場合にあつてはその法定代理人(法人である場合にあつては、その役員)を含む。第三号、第四号及び第九号において同じ。)、令第三条に規定する使用人(以下「重要な使用人」という。)及び貸金業務取扱主任者(法第十二条の三第一項に規定する者をいう。以下同じ。)の住民票の抄本又はこれに代わる書面
(i) extracts of the certificates of residence of the applicant for registration (in cases where the applicant is a corporation, the officer thereof (excluding officers set forth in Article 4, paragraph (1), item (ii) of the Act that are corporations; hereinafter the same applies in this item), and in cases where the applicant is a minor, the statutory agent thereof (in cases where the applicant is a corporation, an officer thereof) is included; the same applies in items (iii), (iv) and (ix)), employees specified in Article 3 of the Order (hereinafter referred to as "Important Employees"), and Heads of Money Lending Operations (meaning the persons prescribed in Article 12-3, paragraph (1) of the Act; the same applies hereinafter), or substitute documents therefor;
二 登録申請者、役員(法第四条第一項第二号に規定する役員をいう。第五条の二第三号及び第四号、第十条の六の二第三項第三号、第二十六条の三十七、第二十六条の三十九、第二十六条の六十、第二十六条の六十一、第二十六条の七十四並びに第三十条から第三十条の二十四までを除き、以下同じ。)及び重要な使用人の婚姻前の氏名を当該登録申請者、役員及び重要な使用人の氏名に併せて登録申請書に記載した場合において、前号に掲げる書類が当該登録申請者、役員及び重要な使用人の婚姻前の氏名を証するものでないときは、当該婚姻前の氏名を証する書面
(ii) if the name of an applicant for registration, an Officer (meaning the officer as prescribed in Article 4, paragraph (1), item (ii) of the Act; the same applies hereinafter except in Article 5-2, items (iii) and (iv), Article 10-6-2, paragraph (3), item (iii), Article 26-37, Article 26-39, Article 26-60, Article 26-61, Article 26-74, and Articles 30 through 30-24), or an Important Employee that was used before marriage is stated together with the current name of the applicant for registration, Officer or Important Employee in a written application for registration, and the document set forth in the preceding item does not certify the name of the applicant for registration, Officer or Important Employee used before marriage, a document certifying the name before marriage;
三 登録申請者、重要な使用人又は貸金業務取扱主任者が法第六条第一項第一号及び第二号に該当しない旨の官公署の証明書(当該登録申請者、重要な使用人又は貸金業務取扱主任者が外国人である場合には、別紙様式第一号の二により作成した誓約書)
(iii) a certificate issued by the public agency certifying that the applicant for registration, Important Employee or Head of Money Lending Operations does not fall under Article 6, paragraph (1), item (i) or (ii) of the Act (in cases where the relevant applicant for registration, Important Employee, or Head of Money Lending Operations is a foreign national, a written pledge prepared using Appended Form No. 1-2);
四 別紙様式第二号により作成した登録申請者及び重要な使用人の履歴書
(iv) resumes of the applicant for registration and Important Employee prepared using Appended Form No. 2;
五 法人である場合において、役員が法人であるときは、当該役員の登記事項証明書及び別紙様式第二号の二により作成した沿革
(v) in cases where the applicant is a corporation, and when the Officer is a corporation, a certificate of registered information of the Officer and the history thereof prepared using Appended Form No. 2-2;
六 個人であり、かつ、未成年者である場合において、その法定代理人が法人であるときは、当該法人の登記事項証明書及び別紙様式第二号の二により作成した沿革
(vi) in cases where the applicant is an individual and a minor, when the statutory agent thereof is a corporation, the certificate of registered information of the relevant corporation and the history thereof prepared using Appended Form No. 2-2;
七 法人である場合においては、定款又は寄附行為(人格のない社団又は財団の場合においては、定款又は寄附行為に準ずるもの。以下同じ。)及び登記事項証明書並びに別紙様式第三号により作成した株主若しくは社員の名簿及び親会社の株主若しくは社員の名簿又はこれらに代わる書面
(vii) in cases where the applicant is a corporation, the articles of incorporation, articles of endowment (in cases of an association or foundation without legal personality, those equivalent to articles of incorporation or articles of endowment; the same applies hereinafter), and certificate of registered information, as well as register of shareholders or members and register of shareholders or members of the Parent Company prepared using Appended Form No. 3, or substitute documents therefor;
八 代理店(第一条の五第四項に規定する代理店をいう。以下同じ。)がある場合においては、当該代理店に係る代理店契約書又はこれに代わる書面
(viii) in cases where there is an Agent Office (meaning the Agent Office as prescribed in Article 1-5, paragraph (4); the same applies hereinafter), the written agent contract related to the relevant Agent Office or substitute documents therefor;
九 別紙様式第三号の二により作成した登録申請者、重要な使用人及び貸金業務取扱主任者の氏名及び生年月日等を記載した書面
(ix) a document stating the names and dates of birth of the applicant for registration, Important Employee and Head of Money Lending Operations prepared using Appended Form No. 3-2;
十 法人である場合においては、登録の申請の日を含む事業年度の前事業年度の貸借対照表又はこれに代わる書面。ただし、登録の申請の日を含む事業年度に設立された法人にあつては、当該法人の成立の時に作成する貸借対照表又はこれに代わる書面
(x) in cases where the applicant is a corporation, the balance sheet pertaining to the business year immediately preceding the business year that includes the date of application for registration; provided, however, that, in cases of a corporation established on the business year that includes the date of application for registration, the balance sheet which is to be prepared at the time of establishment of the relevant corporation, or substitute documents therefor;
十一 次に掲げるいずれかの法人である場合においては、それぞれ次に定める登録の申請の日を含む事業年度の前事業年度の会計監査報告又は監査報告の内容を記載した書面
(xi) in cases where the applicant is any of the following corporations, a document containing the contents of the accounting audit reports or audit reports pertaining to the business year immediately preceding the business year that includes the date of application for registration specified in the following respective items:
イ 会社法第二条第十一号に規定する会計監査人設置会社 会社法第三百九十六条第一項後段に規定する会計監査報告
(a) a company with accounting auditors as prescribed in Article 2, item (xi) of the Companies Act: the accounting audit report as referred to in the second sentence of Article 396, paragraph (1) of the Companies Act; and
ロ イに掲げるもののほか、公認会計士(公認会計士法(昭和二十三年法律第百三号)第十六条の二第五項に規定する外国公認会計士を含む。第三十条第十号ロにおいて同じ。)又は監査法人の監査を受けている法人 当該公認会計士又は監査法人の監査報告
(b) beyond what is listed in sub-item (a), a corporation audited by a certified public accountant (including foreign certified public accountants defined in Article 16-2, paragraph (5) of the Certified Public Accountant Act (Act No. 103 of 1948); the same applies in Article 30, item (x), sub-item (b)) or auditing firm: the audit reports prepared by the relevant certified public accountant or auditing firm;
十二 個人である場合においては、別紙様式第四号により作成した財産に関する調書
(xii) in cases where the applicant is an individual, a record of property prepared using Appended Form No. 4;
十三 法第十二条の三第一項の規定により営業所又は事務所ごとに置かれる貸金業務取扱主任者に係る第二十六条の五十三第一項(第二十六条の五十七において準用する場合を含む。)の書面の写し
(xiii) a copy of the document referred to in Article 26-53, paragraph (1) (including the cases where it is applied mutatis mutandis pursuant to Article 26-57) concerning the Head of Money Lending Operations to be assigned to each business office or office pursuant to the provisions of Article 12-3, paragraph (1) of the Act;
十四 貸金業の業務に関する社内規則(貸金業者又はその役員若しくは使用人が遵守すべき規則であつて貸金業者が作成するものをいう。以下同じ。)
(xiv) internal rules (meaning rules to be observed by the Money Lender, or the officer or employee thereof, and to be prepared by the Money Lender; the same applies hereinafter) concerning the money lending operations;
十五 貸金業の業務に関する組織図(内部管理に関する業務を行う組織を含む。)及び別紙様式第四号の二により作成した営業所等(自動契約受付機又は現金自動設備のみにより貸付けに関する業務を行うものを除く。以下この号において同じ。)ごとの貸付けの業務の経験者(営業所等ごとに在籍する貸付けの業務に一年以上従事した者をいう。)各一人の業務経歴書
(xv) an organization chart related to the money lending operation (including organizations implementing internal management affairs), and written business experience of each individual experienced loan servicer (meaning a person working in loan servicing for at least one year and that is assigned at each Business Office, etc.) for each Business Office, etc. (excluding Business Office, etc. carrying out the Loan Operations only by unmanned automatic contract machines or Automatic Cash Machines; hereinafter the same applies in this item), prepared using Appended Form No. 4-2.
十六 次のイ又はロに掲げる場合の区分に応じ、当該イ又はロに定める事項を別紙様式第四号の二の二により記載した書面
(xvi) a document stating the matters that each of the following sub-items (a) and (b) prescribes for the category of cases set forth in the sub-item, which is prepared using Appended Form No. 4-2-2:
イ 指定紛争解決機関が存在する場合 貸金業者が法第十二条の二の二第一項第一号に定める手続実施基本契約を締結する措置を講ずる当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称
(a) in cases where there is a Designated Dispute Resolution Organization: the trade name or name of the Designated Dispute Resolution Organization with regard to which the Money Lender takes the measure to conclude the Basic Contract for Implementation of Dispute Resolution Procedures as prescribed in Article 12-2-2, paragraph (1), item (i) of the Act, and that is the counterparty to the Basic Contract for Implementation of Dispute Resolution Procedures;
ロ 指定紛争解決機関が存在しない場合 貸金業者の法第十二条の二の二第一項第二号に定める苦情処理措置及び紛争解決措置の内容
(b) in cases where there is no Designated Dispute Resolution Organization: the content of the Complaint Processing Measures and Dispute Resolution Measures prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act to be taken by the Money Lender; and
十七 前各号に掲げる書類に記載された事項が真実かつ正確であることを確認するために必要な事項を記載した書類(財務局長、福岡財務支局長又は都道府県知事が必要と認める場合に限る。)
(xvii) documents that state matters necessary for verifying that the matters stated in the documents listed in the preceding items are true and correct (limited to the case where it is found necessary by the Director-General of a Local Finance Bureau, Director-General of the Fukuoka Local Finance Branch Bureau, or prefectural governor).
(登録の実施)
(Implementation of Registration)
第四条の二 財務局長、福岡財務支局長又は都道府県知事は、法第五条第一項の規定による登録をするときは、別紙様式第一号の第二面から第八面までを貸金業者登録簿につづることにより行うものとする。
Article 4-2 (1) To effect a registration under Article 5, paragraph (1) of the Act, the Director-General of a Local Finance Bureau, Director-General of the Fukuoka Local Finance Branch Bureau, or prefectural governor effects is to place pages No. 2 through No. 8 of Appended Form No. 1 in the Money Lender register.
2 財務局長、福岡財務支局長又は都道府県知事は、法第五条第二項の規定による通知をするときは、別紙様式第四号の三により作成した登録済通知書により行うものとする。
(2) To give the notice under Article 5, paragraph (2) of the Act, the Director-General of a Local Finance Bureau, Director-General of the Fukuoka Local Finance Branch Bureau, or prefectural governor is to issue a written notice of completion of registration prepared using Appended Form No. 4-3.
(登録の拒否の通知)
(Notice of Refusal of Registration)
第四条の三 財務局長又は福岡財務支局長は、法第六条第二項の規定による通知をするときは、別紙様式第四号の四により作成した登録拒否通知書により行うものとする。
Article 4-3 (1) To give the notice under Article 6, paragraph (2) of the Act, the Director-General of a Local Finance Bureau or Director-General of the Fukuoka Local Finance Branch Bureau is to issue a written notice of refusal of registration prepared using Appended Form No. 4-4.
2 都道府県知事は、法第六条第二項の規定による通知をするときは、別紙様式第四号の五により作成した登録拒否通知書により行うものとする。
(2) To give the notice under Article 6, paragraph (2) of the Act, a prefectural governor is to issue a written notice of refusal of registration prepared using Appended Form No. 4-5.
(登録の更新の申請期限)
(Time Limit for Application for Renewal of Registration)
第五条 貸金業者は、法第三条第二項の規定による登録の更新を受けようとするときは、その者が現に受けている登録の有効期間満了の日の二月前までに当該登録の更新を申請しなければならない。
Article 5 If a Money Lender seeks a renewal of registration under Article 3, paragraph (2) of the Act, the Money Lender must apply for the renewal of the registration currently in effect by two months prior to the day on which the validity period for the registration expires.
(不正な行為等をするおそれがあると認められる者)
(Persons Found Likely to Commit a Wrongful Act)
第五条の二 法第六条第一項第七号及び第二十四条の二十七第一項第八号に規定する内閣府令で定める者は、次の各号のいずれかに該当する者とする。
Article 5-2 The reference, in Article 6, paragraph (1), item (vii) and Article 24-27, paragraph (1), item (viii) of the Act, to persons specified by Cabinet Office Order means any of the following persons:
一 法第二十四条の六の四第一項各号又は第二十四条の六の五第一項各号のいずれかに該当するとして登録の取消しの処分に係る行政手続法(平成五年法律第八十八号)第十五条の規定による通知があつた日から当該処分をする日又は処分をしないことの決定をする日までの間に法第十条第一項第四号又は第五号の規定による届出をした者(解散又は貸金業の廃止について相当の理由がある者を除く。)で当該届出の日から五年を経過しないもの
(i) a person making the notification under Article 10, paragraph (1), item (iv) or (v) of the Act during the period from the day on which the notice under Article 15 of the Administrative Procedure Act (Act No. 88 of 1993) related to the disposition of rescinding registration to be rendered because the person falls under any of the cases set forth in the items of Article 24-6-4, paragraph (1) or the items of Article 24-6-5, paragraph (1) of the Act until the day on which the disposition is rendered or on which a decision of not rendering the disposition is made (excluding persons with reasonable grounds for the dissolution or abolition of the Money Lending Business), if five years have yet to elapse from the day of the notification;
二 前号の期間内に法第十条第一項第二号、第四号又は第五号の規定による届出をした法人(合併、解散又は貸金業の廃止について相当の理由がある法人を除く。)の役員であつた者であつて、前号に規定する通知があつた日前三十日に当たる日から当該法人の合併、解散又は廃止の日までの間にその地位にあつたもので当該届出の日から五年を経過しないもの
(ii) a person that was an Officer of the corporation that made the notification under Article 10, paragraph (1), item (ii), (iv) or (v) of the Act (excluding corporations with reasonable grounds for merger, dissolution or abolition of the Money Lending Business) within the period set forth in the preceding item, and that was in the position during the period from the day 30 days prior to the day on which the notice under the preceding item has been given until the day on which the merger, dissolution of abolition of the corporation has been effected, if five years have yet to elapse from the day of the notification;
三 法第二十四条の六の四第二項の規定により解任を命ぜられた役員(同項に規定する役員をいう。次号において同じ。)でその処分を受けた日から五年を経過しない者
(iii) an Officer (meaning the Officer as prescribed in Article 24-6-4, paragraph (2) of the Act; the same applies in the following item) that has been dismissed pursuant to the provisions of that paragraph, if five years have yet to elapse from the day on which the disposition has been rendered; and
四 法第二十四条の六の四第二項に該当するとして役員の解任を命ずる処分に係る行政手続法第十五条の規定による通知があつた日から当該処分をする日又は処分をしないことの決定をする日までの間に退任した当該命令により解任されるべきとされた者(退任について相当の理由がある者を除く。)で当該退任の日から五年を経過しない者
(iv) a person that resigned within the period from the day on which the notice under Article 15 of the Administrative Procedure Act related to the disposition ordering the dismissal of the Officer for falling under the case set forth in Article 24-6-4, paragraph (2) of the Act has been made until the day on which the disposition was rendered or on which a decision not to render the disposition has been made, and that was to be dismissed under the order (excluding persons with reasonable grounds for the resignation), if five years have yet to elapse from the day of the resignation.
(資金需要者等の利益を損なうおそれがないと認められる事由)
(Grounds Regarded Unlikely to Harm the Interests of the Persons Seeking Funds, etc.)
第五条の三 法第六条第一項第十四号に規定する内閣府令で定める事由は、再生手続開始の決定又は更生手続開始の決定を受けたこと(当該決定に係る再生手続又は更生手続が終了している場合を除く。)とする。
Article 5-3 The reference, in Article 6, paragraph (1), item (xiv) of the Act, to grounds specified by Cabinet Office Order means that the relevant person is subject to an order of commencement of rehabilitation proceedings or order of commencement of reorganization proceedings (excluding cases where the rehabilitation proceedings or reorganization proceedings related to the order are closed).
第五条の三の二 法第三条第一項の登録を受けようとする者が非営利特例対象法人である場合にあつては、法第六条第一項第十四号に規定する内閣府令で定める事由は、前条に規定するもののほか、当該者の貸金業の業務が次に掲げるすべての要件に該当して行われることとする。
Article 5-3-2 (1) In cases where the person who intends to obtain registration under Article 3, paragraph (1) of the Act is a Non-Profit Corporation Subject to Special Provisions, the grounds to be specified by Cabinet Office Order as referred to in Article 6, paragraph (1), item (xiv)are to be, beyond what is prescribed in the preceding Article, that the person's money lending operations satisfy all of the following requirements:
一 当該登録を受けた日以後行うすべての貸付けに関し、年七・五パーセントを超える割合による利息の契約を締結し、又は当該割合による利息を受領し、若しくはその支払を要求しないこと。
(i) that the person does not conclude a contract for interest stipulating an interest rate exceeding 7.5 % per annum, nor does the person receive interest based on the relevant interest rate or demand the payment thereof, in connection with any Loan made by the person after the day on which the person received the relevant registration;
二 当該登録を受けた日以後行う貸付けによる利息の収入があるときは、各事業年度における当該利息の収入額に占める特定非営利活動として行われる貸付け及び生活困窮者(第一条の二の四第六項に規定する生活困窮者をいう。次項において同じ。)を支援するための貸付けに係る利息の収入額の割合が百分の五十を超えていること。
(ii) that, in cases where the person has interest income from Loans made after the day on which the person received the relevant registration, the ratio of the amount of interest income from the Loans made as a Specified Non-Profit Activity and the Loans made for the purpose of supporting Needy Persons (meaning the Needy Persons prescribed in Article 1-2-4, paragraph (6); the same applies in the following paragraph) to the amount of interest income for each business year exceeds 50 percent;
三 次のイからハまでに掲げる書面又は電磁的記録を作成し、当該イからハまでに掲げる書面又は電磁的記録の区分に応じ、当該イからハまでに定める日までの間、主たる事務所に備え置き、債務者等その他利害関係人から閲覧の請求があつた場合には、これを閲覧させること。
(iii) that the documents or electronic or magnetic record listed in sub-items (a) through (c) are prepared, kept at the principal business office and offered for inspection when requested by the Obligor, etc. or any other interested persons, until the day prescribed in each of sub-items (a) through (c) according to the category of document or electronic or magnetic record set forth in each of sub-items (a) through (c):
イ 法第四条第一項各号に掲げる事項を記載した登録申請書の写し(当該登録申請書の写しに記載された情報の内容を記録した電磁的記録を含む。) 当該登録の有効期間の満了の日
(a) a copy of the written application for registration containing the matters set forth in the items of Article 4, paragraph (1) of the Act (including an electronic or magnetic record in which the content of the information stated in the relevant written application for registration is recorded): the day on which the validity period of the registration expires;
ロ 各事業年度に係る財産目録、貸借対照表、収支計算書その他法人の決算に関する書類及び事業報告書(これらの書類に記載された情報の内容を記録した電磁的記録を含む。) 当該各事業年度の翌々事業年度の末日
(b) the inventory of property, balance sheet, income and expenditure statement, and any other documents related to the settlement of account of a corporation for each business year (including electronic or magnetic records in which the content of the information stated in these documents is recorded): the last day of the business year following the next business year of the relevant business year; and
ハ 各事業年度の末日において存在する貸付けに係る契約(貸付けの残高が零を超えるものに限る。)ごとにその内容(相手方の属性、契約年月日、当初の貸付けの金額、各事業年度の末日における残高の金額、貸付けの利率及び最終の返済期日を含み、個人である債務者等を特定できる事項を除く。)を記載した書面又は当該書面に記載された情報の内容を記録した電磁的記録 当該各事業年度の翌々事業年度の末日
(c) a document disclosing the content of each contract for the Loan (the relevant contract is limited to one whose outstanding balance exceeds zero) existing as of the end of each business year (the relevant content includes the attributes of the counterparty, date of the contract, amount of the initial loan, amount of the outstanding balance as of the end of each business year, Loan Interest Rate, and final repayment due date, and excludes any matters which can identify the Obligor, etc. that is an individual), or an electronic or magnetic record in which the content of the information stated in the relevant document is recorded: the last day of the business year following the next business year of the relevant business year.
2 前項の「非営利特例対象法人」とは、次に掲げるすべての要件に該当する者をいう。
(2) The term "Non-Profit Corporation Subject to Special Provisions" as used in the preceding paragraph means a person who satisfies all of the following requirements:
一 営利を目的としない法人であること。
(i) that the person is a nonprofit corporation;
二 純資産額(第五条の五第一項第一号又は第二項第一号若しくは第二号に定める金額をいう。第二十六条の二十五の二第一項第一号及び第二十六条の二十七の二第一号において同じ。)が五百万円以上であること。
(ii) that the Amount of Net Assets (meaning the amount specified in Article 5-5, paragraph (1), items (i) or paragraph (2), item (i) or (ii); the same applies in Article 26-25-2, paragraph (1), item (i) and Article 26-27-2, item (i)) is five million yen or more;
三 特定非営利活動として行われる貸付け又は生活困窮者を支援するための貸付けを行うことを事業の主たる目的とし、その旨を定款又は寄附行為で定めていること。
(iii) that the Loans made as Specified Non-Profit Activities or Loans made for the purpose of supporting Needy Persons are the main purpose of the business, and the fact is provided in the articles of incorporation or articles of endowment;
四 定款又は寄附行為で、次に掲げる事項を定めていること。
(iv) that the following matters are provided in the articles of incorporation or articles of endowment:
イ 剰余金の分配及び出資の払戻し(当該払戻しの額が出資の額を超えるものに限る。)を行わないこと。
(a) that no distribution of surplus will be made, and no contribution refund (limited to one whose amount of refund exceeds the amount of contribution) will be made; and
ロ 解散時の残余財産を特定非営利活動として行われる貸付け又は生活困窮者を支援するための貸付けを行うことを事業の主たる目的とする法人又は国若しくは地方公共団体に帰属させること。
(b) that the residual assets at the time of dissolution will vest in a corporation whose main purpose of business is to provide Loans as Specified Non-Profit Activities or with the purpose of supporting Needy Persons, or the State or local public entities.
(登録の拒否の審査)
(Examination of Refusal of Registration)
第五条の四 財務局長、福岡財務支局長又は都道府県知事は、法第三条第一項の登録の申請があつた場合において、法第六条第一項第十五号に規定する貸金業を的確に遂行するための必要な体制が整備されていると認められない者であるかどうかの審査をするときは、当該申請をした者が次に掲げる基準に適合するかどうかを審査するものとする。
Article 5-4 (1) In cases where an application for registration under Article 3, paragraph (1) of the Act has been filed, to examine whether the applicant is found not to have developed infrastructure necessary for carrying out the Money Lending Business properly as prescribed in Article 6, paragraph (1), item (xv), the Director-General of the Local Finance Bureau, Director-General of the Fukuoka Local Finance Branch Bureau, or prefectural governor is to examine whether the person making the application satisfies the following requirements:
一 定款又は寄附行為の内容が法令に適合していること(申請者が法人である場合に限る。)。
(i) that the contents of the articles of incorporation or articles of endowments are in compliance with laws and regulations (limited to cases where the applicant is a corporation);
二 常務に従事する役員のうちに貸付けの業務に三年以上従事した経験を有する者があること(申請者が個人である場合にあつては、申請者が貸付けの業務に三年以上従事した経験を有する者であること。)。
(ii) that a person with three or more years' experience in loan servicing is among the Officers engaged in day-to-day operations (in cases where the applicant is an individual, that the applicant is a person with the experience of engaging in the loan service for three years or more);
三 営業所等(自動契約受付機若しくは現金自動設備のみにより貸付けに関する業務を行うものを除く。)ごとに貸付けの業務に一年以上従事した者が常勤の役員又は使用人として一人以上在籍していること。
(iii) at least one person that has been in loan servicing for at least one year is employed as a full-time officer or employee at each Business Office, etc. (excluding Business Offices, etc. carrying out the Loan Operations only by unmanned automatic contract machines or Automatic Cash Machines);
四 資金需要者等の利益の保護を図り、貸金業の適正な運営に資するため十分な社内規則を定めていること。
(iv) that the Money Lender has provided Internal Rules sufficient to protect the interests of the Persons Seeking Funds, etc. and to contribute to the proper management of the Money Lending Business; and
五 法第十二条の二の二に規定する措置を講ずるために必要な措置を講じていること。
(v) that the Money Lender has taken measures necessary to take the measures prescribed in Article 12-2-2 of the Act.
2 前項第四号の社内規則は貸金業の業務に関する責任体制を明確化する規定を含むものでなければならない。
(2) The Internal Rules as referred to in item (iv) of the preceding paragraph must include provisions clarifying the system for the responsibility of the money lending operations.
第五条の四の二 前条の規定にかかわらず、財務局長、福岡財務支局長又は都道府県知事は、法第三条第一項の登録(同条第二項の登録の更新を除く。第三項、第二十六条の二十五の二第二項及び第二十六条の二十九の二において同じ。)の申請を行う者が非営利特例対象法人(第五条の三の二第二項に規定する非営利特例対象法人をいう。以下同じ。)である場合であつて、当該者の貸金業の業務が第五条の三の二第一項各号に掲げるすべての要件に該当して行われることが確実と認められ、かつ、当該者が次に掲げるすべての要件に該当するときは、当該者が前条第一項各号に掲げる基準に適合しているものとみなして審査するものとする。
Article 5-4-2 (1) Notwithstanding the provisions of the preceding Article, in cases where the person who applies for registration under Article 3, paragraph (1) of the Act (excluding the renewal of registration under paragraph (2) of the same Article; the same applies in paragraph (3), Article 26-25-2, paragraph (2) and Article 26-29-2) is a Non-Profit Corporation Subject to Special Provisions (meaning the Non-Profit Corporation Subject to Special Provisions prescribed in Article 5-3-2, paragraph (2); the same applies hereinafter), where it is deemed certain that the money lending operations of the relevant person will satisfy all the requirements listed in the items of Article 5-3-2, paragraph (1), and where that person satisfies all of the following requirements, the Director-General of a Local Finance Bureau, Director-General of the Fukuoka Local Finance Branch Bureau, or prefectural governor is to carry out an examination, deeming that that person meets the criteria listed in the items of paragraph (1) of the preceding Article:
一 前条第一項各号(第二号及び第三号を除く。)に掲げる基準に適合していること。
(i) that the criteria listed in the items of paragraph (1) of the preceding Article (excluding items (ii) and (iii)) is met; and
二 貸付けの業務に三年以上従事した経験を有する者から、適時に貸金業の業務に関する必要な助言又は指導を受けることができる体制が整備されていること。
(ii) that the person has developed a system allowing the person to receive on a timely basis the advice or guidance necessary for money lending operations from a person who has experience having engaged in loan servicing for three years or longer.
2 前項の場合における第四条第三項第十五号の規定の適用については、同号中「及び別紙様式第四号の二により作成した営業所等(自動契約受付機又は現金自動設備のみにより貸付けに関する業務を行うものを除く。以下この号において同じ。)ごとの貸付けの業務の経験者(営業所等ごとに在籍する貸付けの業務に一年以上従事した者をいう。)各一人の業務経歴書」とあるのは、「並びに第五条の四の二第一項第二号の体制について記載した書面及び同号の貸付けの業務に三年以上従事した経験を有する者の業務経歴書」とする。
(2) With regard to the application of Article 4, paragraph (3), item (xv) in the case set forth in the preceding paragraph, the phrase "and written business experience of each individual experienced loan servicer (meaning a person working in loan servicing for at least one year and that is assigned at each Business Office, etc.) for each Business Office, etc. (excluding Business Office, etc. carrying out the Loan Operations only by unmanned automatic contract machines or Automatic Cash Machines; hereinafter the same applies in this item), prepared using Appended Form No. 4-2" is deemed to be replaced with "and the document stating the system set forth in in Article 5-4-2, paragraph (1), item (ii) and the written business experience of the person who has experience having engaged in loan servicing set forth in the same item for three years or longer."
3 財務局長、福岡財務支局長又は都道府県知事が、第一項の規定により、前条第一項各号に掲げる基準に適合するものとみなされている貸金業者に対し、法第二十四条の六の四第一項の規定により登録を取り消し、又は一年以内の期間を定めてその業務の全部若しくは一部の停止を命ずる場合における前条第一項第二号及び第三号の規定は、当該登録の有効期間の満了の日までの間は、適用しない。
(3) In cases where the Director-General of a Local Finance Bureau, Director-General of the Fukuoka Local Finance Branch Bureau, or prefectural governor rescinds the registration of the Money Lender who is deemed under paragraph (1) to meet the criteria listed in the items of paragraph (1) of the preceding Article, or orders the suspension of the whole or a part of the business of the relevant Money Lender for a period not exceeding one year, pursuant to Article 24-6-4, paragraph (1) of the Act, the provisions of paragraph (1), items (ii) and (iii) of the preceding Article do not apply until the expiration date of the valid period of the relevant registration.
(純資産額)
(Amount of Net Assets)
第五条の五 法第六条第四項の純資産額は、次の各号に掲げる区分に応じ、当該各号に定める額とする。
Article 5-5 (1) The reference, in Article 6, paragraph (4) of the Act, to the amount of net assets means the amount that each of the following items prescribes for the category set forth in the item:
一 法人 最終事業年度に係る貸借対照表又はこれに代わる書面(最終事業年度がない場合にあつては、当該法人の成立の時に作成する貸借対照表又はこれに代わる書面)において、純資産の部の合計額として表示された金額
(i) a corporation: the amount indicated as the total amount of the net assets section in the balance sheet pertaining to the most recent business year or substitute documents therefor (in cases where there is no most recent business year, the balance sheet which is to be prepared at the time of establishment of the relevant corporation or substitute documents therefor);
二 個人 最終事業年度(個人の事業年度は、一月一日からその年の十二月三十一日までとする。以下同じ。)に係る別紙様式第四号により作成した財産に関する調書(最終事業年度がない場合にあつては、第四条第三項第十二号の財産に関する調書)において、資産の合計額から負債の合計額を控除した金額
(ii) an individual: the amount obtained by deducting the total amount of liabilities from the total amount of assets in the record on the individual's property pertaining to the most recent business year (the business year for an individual runs from January 1 to December 31 of the same year; the same applies hereinafter) (in cases where there is no most recent business year, the record of property set forth in Article 4, paragraph (3), item (xii)) which is prepared using Appended Form No. 4.
2 前項の規定にかかわらず、次の各号に掲げる場合における法第六条第四項の純資産額は、当該各号に定める額とする。
(2) Notwithstanding the provisions of the preceding paragraph, the amount of net assets referred to in Article 6, paragraph (4) of the Act in a case set forth in one of the following items is the amount prescribed in that item:
一 法人が最終事業年度の末日後に法令その他これに準ずるものの規定に基づき貸借対照表又はこれに代わる書面を作成した場合 当該貸借対照表又はこれに代わる書面において、純資産の部の合計額として表示された金額
(i) in cases where the corporation has prepared a balance sheet or substitute documents therefor pursuant to the provisions of laws and regulations or any other provisions equivalent thereto after the last day of the most recent business year: the amount indicated as the total amount of the net assets section in the relevant balance sheet or substitute documents therefor;
二 最終事業年度の末日(最終事業年度がない場合にあつては、法人の成立の日)後に行われた株式の払込み、剰余金の分配、自己株式の取得、合併、会社分割その他これらに類する行為によつて法人の純資産額が増加し又は減少した場合 前項第一号に定める金額(前号に掲げる場合にあつては、同号に定める金額)に当該増加の額又は減少の額を加算又は控除した金額
(ii) in cases where the amount of net assets of the corporation has increased or decreased as a result of the payment for shares, distribution of surplus, acquisition of treasury shares, merger, company split or any other acts similar thereto effected after the last day of the most recent business year (in cases where there is no most recent business year, the day of establishment of the corporation): the amount obtained by adding the amount of increase to or deducting the amount of decrease from, the amount specified in item (i) of the preceding paragraph (in the case listed in the preceding item, the amount specified in that item); and
三 最終事業年度の末日(最終事業年度がない場合にあつては、法第三条第一項の登録の申請の日)後にあつた相続(遺贈を含む。)又は贈与に伴い個人の純資産額が増加し又は減少した場合 前項第二号に定める金額に当該増加の額又は減少の額を加算又は控除した金額
(iii) in cases where the amount of net assets of an individual has increased or decreased upon inheritance (including testamentary gifts) or donation made after the last day of the most recent business year (in cases where there is no most recent business year, the date of application of the registration under Article 3, paragraph (1) of the Act): the amount obtained by adding the amount of increase to or deducting the amount of decrease from, the amount specified in item (ii) of the preceding paragraph.
(登録換えの申請)
(Application for Transfer of Registration)
第六条 貸金業者は、法第三条第一項の登録を受けた後、法第七条各号の一に該当して引き続き貸金業を営もうとする場合において、法第三条第一項の規定による登録を受けようとするときは、その者が現に受けている登録をした財務局長若しくは福岡財務支局長(以下「管轄財務局長」という。)又は都道府県知事を経由して登録の申請をしなければならない。
Article 6 (1) In cases where a Money Lender, after receiving the registration under Article 3, paragraph (1) of the Act, falls under any of the items of Article 7 of the Act but seeks to continue to engage in the Money Lending Business, and seeks to newly receive the registration under Article 3, paragraph (1) of the Act, the Money Lender must file an application for registration via the Director-General of the Local Finance Bureau or Director-General of the Fukuoka Local Finance Branch Bureau who effected the Money Lender's current registration (hereinafter collectively referred to as the "Competent Director-General of the Local Finance Bureau") or via the prefectural governor who effected the Money Lender's current registration.
2 管轄財務局長又は都道府県知事は、前項の申請に係る登録をしたときは、遅滞なく、その旨を、別紙様式第四号の六により作成した登録換通知書により、従前の登録をした財務局長若しくは福岡財務支局長又は都道府県知事に通知するものとする。
(2) After effecting the registration to which an application under the preceding paragraph pertains, the Competent Director-General of the Local Finance Bureau or prefectural governor must notify the Director-General of the Local Finance Bureau, Director-General of the Fukuoka Local Finance Branch Bureau, or prefectural governor who effected the previous registration of this without delay, using a written notice of transfer of registration prepared using Appended Form No. 4-6.
(変更の届出)
(Notification of Changes)
第七条 金融庁長官の登録を受けた貸金業者は、法第八条第一項の規定による届出をしようとするときは、別紙様式第五号により作成した変更届出書(次項並びに次条第二号イ(3)及び第五号ハにおいて単に「変更届出書」という。)に、同条第三項に規定する添付書類(次項において単に「添付書類」という。)一部を添付して、管轄財務局長に提出しなければならない。
Article 7 (1) If a Money Lender that has been registered by the Commissioner of the Financial Services Agency seeks to make the notification under Article 8, paragraph (1) of the Act, the Money Lender must submit a written notification of changes prepared using Appended Form No. 5 (simply referred to as the "Written Notification of Changes" in the following paragraph, and item (ii), sub-item (a) 3. and item (v), sub-item (c) of the following Article) to the Competent Director-General of the Local Finance Bureau, accompanied by a copy of the accompanying documents referred to in paragraph (3) of that Article (simply referred to as the "Accompanying Documents" in the following paragraph) thereto.
2 都道府県知事の登録を受けた貸金業者は、法第八条第一項の規定による届出をしようとするときは、変更届出書に、当該都道府県知事が定める部数の当該変更届出書の副本及び添付書類を添付して、当該都道府県知事に提出しなければならない。
(2) Where a Money Lender that has been registered by the prefectural governor seeks to make the notification under Article 8, paragraph (1) of the Act, the Money Lender must submit the Written Notification of Changes to the relevant prefectural governor, accompanied by the number of duplicate copies of the Written Notification of Changes and Accompanying Documents specified by the prefectural governor thereto.
(変更届出書の添付書類)
(Accompanying Documents for a Written Notification of Changes)
第八条 法第八条第三項に規定する内閣府令で定める書類は、次の各号に掲げる場合の区分に応じ、当該各号に定める書類(官公署が証明する書類の場合には、申請の日前三月以内に作成されたものに限る。)とする。
Article 8 The reference, in Article 8, paragraph (3) of the Act, to documents specified by Cabinet Office Order means the following documents (in cases of documents certified by public agencies, limited to those prepared within three months prior to the date of application) for each of the categories of cases listed in the following items:
一 商号又は名称を変更した場合 当該変更に係る事項を記載した登記事項証明書
(i) in cases where the Money Lender has changed its trade name or name: a certificate of registered information stating the matters related to the relevant changes;
二 役員(第二条第一項第四号に掲げる者を除く。以下この号において同じ。)に変更があつた場合 別紙様式第一号の三により作成した法第六条第一項第九号に該当しないことを誓約する書面及び次に掲げる新たな役員の区分に応じそれぞれ次に掲げる書類
(ii) in cases where there were any changes to the Officers (excluding persons set forth in Article 2, paragraph (1), item (iv); hereinafter the same applies in this item) of the Money Lender: a document in which the Money Lender denies falling under the case set forth in Article 6, paragraph (1), item (ix) of the Act which is prepared using Appended Form No. 1-3, and the documents that each of the following sub-items prescribes for the category of new Officer set forth in the sub-item:
イ 個人 新たに役員となつた者に係る次に掲げる書類
(a) an individual: the following documents related to the person that has newly become an Officer:
(1) 第四条第二項に規定するもの
1. the documents set forth in Article 4, paragraph (2);
(2) 住民票の抄本又はこれに代わる書面
2. an extract of the certificate of residence of the relevant individual, or substitute documents therefor;
(3) 婚姻前の氏名を、氏名に併せて変更届出書に記載した場合において、(2)に掲げる書類が当該婚姻前の氏名を証するものでないときは、当該婚姻前の氏名を証する書面
3. if the name used before marriage is stated together with the current name in a written notification of changes, and the document set forth in 2. does not certify the name used before marriage, a document certifying the name before marriage;
(4) 法第六条第一項第一号及び第二号に該当しない旨の官公署の証明書(外国人である場合には、別紙様式第一号の二により作成した誓約書)
4. a certificate issued by a public agency providing to the effect that the relevant individual does not fall under the case set forth in Article 6, paragraph (1), item (i) or (ii) of the Act (in cases where the individual is a foreign national, a written pledge prepared using Appended Form No. 1-2);
(5) 別紙様式第二号により作成した履歴書
5. a resume prepared using Appended Form No. 2;
(6) 別紙様式第三号の二により作成した氏名及び生年月日等を記載した書面
6. a document stating the name and date of birth of the relevant individual prepared using Appended Form No. 3-2;
ロ 法人 新たに役員となつた者に係る登記事項証明書及び別紙様式第二号の二により作成した沿革
(b) a corporation: a certificate of registered information related to the person that has newly become an Officer, and the history prepared using Appended Form No. 2-2;
三 重要な使用人に変更があつた場合 別紙様式第一号の三により作成した法第六条第一項第九号又は第十号に該当しないことを誓約する書面及び新たに重要な使用人となつた者に係る前号イ(1)から(6)までに掲げる書類
(iii) in cases where there were any changes to an Important Employee: a document in which the relevant Important Employee denies falling under the case set forth in Article 6, paragraph (1), item (ix) or (x) of the Act which is prepared using Appended Form No. 1-3, and the documents set forth in sub-item (a)1. through 6. of the preceding item related to the person that has newly become an Important Employee;
四 貸金業務取扱主任者に変更があつた場合 別紙様式第一号の三により作成した法第六条第一項第十三号に該当しないことを誓約する書面並びに新たに貸金業務取扱主任者となつた者に係る第四条第三項第十三号並びに第二号イ(2)、(4)及び(6)に掲げる書類
(iv) in cases where there were any changes to the Head of Money Lending Operations: a document in which the relevant Head of Money Lending Operations denies falling under the case set forth in Article 6, paragraph (1), item (xiii) of the Act which is prepared using Appended Form No. 1-3 and the documents set forth in Article 4, paragraph (3), item (xiii) and Article 8, item (ii), sub-item (a)2., 4., and 6. related to the person that has newly become Head of Money Lending Operations;
五 未成年者である貸金業者の法定代理人又は第二条第一項第四号に掲げる者(ロにおいて、これらを総称して「法定代理人」という。)に変更があつた場合 次に掲げる書類
(v) in cases where there were any changes to the statutory agent of the Money Lender that is a minor, or to persons set forth in Article 2, paragraph (1), item (iv) (hereinafter collectively referred to as the "Statutory Agent" in sub-item (b)): the following documents;
イ 別紙様式第一号の三により作成した法第六条第一項第八号に該当しないことを誓約する書面
(a) a document in which the relevant Statutory Agent denies falling under the case set forth in Article 6, paragraph (1), item (viii) of the Act which is prepared using Appended Form No. 1-3;
ロ 新たに法定代理人となつた者に係る第二号イ((3)を除く。)又はロに掲げる書類
(b) the documents set forth in item (ii), sub-item (a) (excluding 3.) or sub-item (b) related to the person that has newly become a Statutory Agent; and
ハ 第二条第一項第四号に掲げる者の婚姻前の氏名を当該者の氏名に併せて変更届出書に記載した場合において、第二号イ(2)に掲げる書類が当該者の婚姻前の氏名を証するものでないときは、当該婚姻前の氏名を証する書面
(c) if the name of the person set forth in Article 2, paragraph (1), item (iv) that was used before marriage is stated together with the person's current name in a written notification of changes, and the document set forth in item (ii), sub-item (a)2. does not certify the person's name used before marriage, a document certifying the name before marriage;
六 営業所等の所在地を変更しようとする場合 新たな営業所等に係る法第四条第二項第四号に掲げる書類
(vi) in cases where the Money Lender seeks to change the location of the Business Office, etc.: the documents set forth in Article 4, paragraph (2), item (iv) of the Act related to the new Business Office, etc.;
七 代理店に係る変更があつた場合 当該代理店に係る代理店契約書又はこれに代わる書面
(vii) in cases where there were any changes in relation to the Agent Office: a written agent contract related to the relevant Agent Office, or substitute documents therefor; and
八 前各号に掲げる場合であつて、管轄財務局長又は都道府県知事が必要と認めるとき 当該各号に定める書類に記載された事項が真実かつ正確であることを確認するために必要な事項を記載した書類
(viii) in the cases listed in the preceding items, when the Competent Director-General of the Local Finance Bureau or prefectural governor finds it necessary, documents that state matters necessary for verifying that the matters stated in the documents listed in the preceding items are true and correct.
(貸金業者登録簿の閲覧)
(Inspection of the Money Lenders Registry)
第九条 管轄財務局長は、その登録をした貸金業者に係る貸金業者登録簿を当該貸金業者の主たる営業所等の所在地を管轄する財務局(当該所在地が福岡財務支局の管轄区域内にある場合にあつては福岡財務支局)に備え置き、一般の閲覧に供するものとする。
Article 9 (1) The Competent Director-General of the Local Finance Bureau is to keep a Money Lender register listing the Money Lenders registered thereby at the Local Finance Bureau which has jurisdiction over the location of the principal Business Office, etc. of the Money Lender (in cases where the location is within the jurisdictional district of the Fukuoka Local Finance Branch Bureau, the Fukuoka Local Finance Branch Bureau), and make it available for public inspection.
2 都道府県知事が登録をした貸金業者に係る貸金業者登録簿は、当該都道府県知事の定めるところにより一般の閲覧に供するものとする。
(2) The Money Lender register listing the Money Lenders registered by the prefectural governor is to be made available for public inspection as provided by the relevant prefectural governor.
(廃業等の届出)
(Notification of Discontinuance of Business)
第十条 法第十条第一項の規定による届出を金融庁長官にしようとする者は、別紙様式第六号により作成した廃業等届出書(次項において単に「廃業等届出書」という。)に、次の各号に掲げる場合の区分に応じ当該各号に定める書類一部を添付して、同条第二項に規定する登録をした財務局長又は福岡財務支局長に提出しなければならない。
Article 10 (1) A person seeking to make the notification under Article 10, paragraph (1) of the Act to the Commissioner of the Financial Services Agency must submit a written notification of discontinuance of business, etc. prepared using Appended Form No. 6 (simply referred to as the "Written Notification of Discontinuance of Business, etc." in the following paragraph) to the Director-General of the Local Finance Bureau or Director-General of the Fukuoka Local Finance Branch Bureau that effected the registration under paragraph (2) of that Article, accompanied by a copy of the documents specified in the following items for each of the categories of cases listed in those items:
一 貸金業者が死亡した場合 当該届出をしようとする者(以下この項において「届出者」という。)の印鑑証明書(届出の日前三月以内に作成されたものに限る。第五号において同じ。)及びその戸籍簿の謄本、当該貸金業者の除籍簿の謄本並びに貸金業を承継する者を選定した旨を証する書面の写し(相続人が二人以上ある場合において、貸金業を承継する者を選定したときに限る。)
(i) cases where the Money Lender has died: a certificate of seal impression (limited to those prepared within three months prior to the date of notification; the same applies in item (v)), and transcript of the family register of the person seeking to make the notification (hereinafter referred to as the "Notifier" in this paragraph), transcript of the register of removal from a register pertaining to the relevant Money Lender, and a copy of the document evidencing the selection of the person to succeed to the Money Lending Business (in cases where there are two or more heirs, limited to cases where a person to succeed to the Money Lending Business is selected);
二 法人が合併(人格のない社団又は財団にあつては、合併に相当する行為。第四号において同じ。)により消滅した場合 当該消滅した法人の登記事項証明書及び合併契約書の写し(人格のない社団又は財団にあつては、合併契約書に準ずるものの写し)
(ii) cases where the corporation has extinguished as a result of merger (in cases of an association or foundation without legal personality, acts equivalent to merger; the same applies in item (iv)): a copy of certificate of registered information of the corporation that extinguished and the written merger agreement (in cases of an association or foundation without legal personality, a copy of the documents equivalent to a written merger agreement);
三 貸金業者について破産手続開始の決定があつた場合 裁判所が届出者を破産管財人として選定したことを証する書面の写し
(iii) cases where an order for commencement of bankruptcy proceedings was made upon the Money Lender: a copy of the document evidencing that the court has selected the Notifier as the bankruptcy trustee;
四 法人が合併及び破産手続開始の決定以外の理由により解散(人格のない社団又は財団にあつては、解散に相当する行為)をした場合 清算人に係る登記事項証明書(人格のない社団又は財団にあつては、届出者がその代表者又は管理人であつたことを証する書面)
(iv) cases where the corporation has dissolved on grounds other than merger or order for commencement of bankruptcy proceedings (in cases of an association or foundation without legal personality, acts equivalent to dissolution): a certificate of registered information related to the liquidator (in cases of an association or foundation without legal personality, a document evidencing that the Notifier was the representative person or administrator thereof); and
五 貸金業を廃止した場合 届出者の印鑑証明書
(v) cases where the Money Lender discontinued its Money Lending Business: the certificate of seal impression of the Notifier.
2 法第十条第一項の規定による届出を都道府県知事にしようとする者は、廃業等届出書に、当該都道府県知事の定める部数の当該廃業等届出書の副本及び前項各号に掲げる場合の区分に応じ当該各号に定める書類を添付して、当該都道府県知事に提出しなければならない。
(2) A person seeking to make the notification to a prefectural governor under Article 10, paragraph (1) of the Act must submit the Written Notification of Discontinuance of Business, etc. to the relevant prefectural governor, accompanied by the number of duplicate copies of the Written Notification of Discontinuance of Business, etc. specified by the relevant prefectural governor, and the documents specified in the items of the preceding paragraph for each of the categories of cases listed in those items.
(個人の資金需要者等に関する情報の安全管理措置等)
(Measures for Safety Management of Information on Persons Seeking Funds, etc. That Are Individuals)
第十条の二 貸金業者は、その取り扱う個人である資金需要者等に関する情報の安全管理、従業者の監督及び当該情報の取扱いを委託する場合には、その委託先の監督について、当該情報の漏えい、滅失又はき損の防止を図るために必要かつ適切な措置を講じなければならない。
Article 10-2 In case where the Money Lender entrusts the safety management of information on Persons Seeking Funds, etc. that are individuals handled thereby, supervision of workers, and the handling of the information, the relevant Money Lender must take necessary and appropriate measures to prevent the leakage, loss or damage to the information, in relation to the supervision of the entrusted entity.
(返済能力情報の取扱い)
(Handling of Information on Repayment Capacity)
第十条の三 貸金業者は、信用情報に関する機関(資金需要者等の借入金返済能力に関する情報の収集及び貸金業者に対する当該情報の提供を行うものをいう。第十二条の二、第十三条及び第三十条の十四第一項第一号において同じ。)から提供を受けた情報であつて個人である資金需要者等の借入金返済能力に関するものを、資金需要者等の返済能力の調査以外の目的のために利用しないことを確保するための措置を講じなければならない。
Article 10-3 A Money Lender must take measures to ensure that the information about individual Persons Seeking Funds', etc. capacities to repay borrowings with which an Organization Handling Credit Information (meaning those that collect information on the repayment capacity for borrowings of the Person Seeking Funds, etc. and provides the information to Money Lenders; the same applies in Article 12-2, Article 13, and Article 30-14, paragraph (1), item (i)) provides it is not used for a purpose other than to investigate the repayment capacities of Persons Seeking Funds, etc.
(特別の非公開情報の取扱い)
(Handling of Special Non-Disclosure Information)
第十条の四 貸金業者は、その取り扱う個人である資金需要者等に関する人種、信条、門地、本籍地、保健医療又は犯罪経歴についての情報その他の特別の非公開情報(その業務上知り得た公表されていない情報をいう。)を、適切な業務の運営の確保その他必要と認められる目的以外の目的のために利用しないことを確保するための措置を講じなければならない。
Article 10-4 A Money Lender must take measures to ensure that the information on race, creed, family origin, registered domicile, medical care, or criminal records of an individual Person Seeking Funds, etc. or any other Special Non-Disclosure Information (meaning information which came to its knowledge in the course of business but has not been disclosed) handled thereby is not used for a purpose other than to ensure proper management of business or any other purpose found necessary.
(委託業務の的確な遂行を確保するための措置)
(Measures to Ensure Appropriate Execution of Business to be Entrusted)
第十条の五 貸金業者は、貸金業の業務を第三者に委託する場合には、当該業務の内容に応じ、次に掲げる措置を講じなければならない。
Article 10-5 In cases where a Money Lender entrusts the money lending operation to a third party, the Money Lender must take the following measures according to the contents of the business:
一 当該業務を的確、公正かつ効率的に遂行することができる能力を有する者に委託するための措置
(i) measures to entrust the relevant business to a person that has the ability to carry out the business in an appropriate, fair and efficient way;
二 当該業務の委託を受けた者(以下この条において「受託者」という。)における当該業務の実施状況を、定期的に又は必要に応じて確認すること等により、受託者が当該業務を的確に遂行しているかを検証し、必要に応じ改善させる等、受託者に対する必要かつ適切な監督等を行うための措置
(ii) measures to implement necessary and appropriate supervision over the person entrusted with the relevant business (hereinafter referred to as the "Entrusted Person" in this Article), such as observing whether the Entrusted Person is executing the business appropriately and having the Entrusted Person make improvements as necessary, by confirming the status of implementation of the business by the Entrusted Person on a regular or as-needed basis;
三 受託者が行う当該業務に係る資金需要者等からの苦情を適切かつ迅速に処理するために必要な措置
(iii) measures necessary for the appropriate and prompt processing of the complaints from the Person Seeking Funds, etc. related to the relevant business conducted by the Entrusted Person;
四 受託者が当該業務を適切に行うことができない事態が生じた場合には、他の適切な第三者に当該業務を速やかに委託する等、当該業務に係る資金需要者等の保護に支障が生じること等を防止するための措置
(iv) in cases where any situations that hinders the Entrusted Person's appropriate execution of the business occurs, measures to prevent the occurrence of hindrance to the protection of Persons Seeking Funds, etc. related to the business, such as the prompt entrustment of the business to another appropriate third party; and
五 貸金業者の業務の健全かつ適切な運営を確保し、当該業務に係る資金需要者等の保護を図るため必要がある場合には、当該業務の委託に係る契約の変更又は解除をする等の必要な措置を講ずるための措置
(v) in cases where it is necessary for the assurance of sound and appropriate management of the Money Lender's business or for the protection of Persons Seeking Funds, etc. related to the business, measures to take necessary measures, such as the changes to or cancellation of the contract on entrustment of the business.
(社内規則等)
(Internal Rules)
第十条の六 貸金業者は、その営む業務の内容及び方法に応じ、資金需要者等の知識、経験及び財産の状況を踏まえた重要な事項の資金需要者等に対する説明その他の健全かつ適切な業務の運営を確保するための措置(書面の交付その他の適切な方法による商品又は取引の内容の説明並びに犯罪を防止するための措置を含む。)に関する社内規則等(社内規則その他これに準ずるものをいう。以下この条において同じ。)を定めるとともに、従業者に対する研修その他の当該社内規則等に基づいて業務が運営されるための十分な体制を整備しなければならない。
Article 10-6 A Money Lender must, according to the content and method of business conducted thereby, provide Internal Rules, etc. (meaning Internal Rules and any other rules equivalent thereto; hereinafter the same applies in this Article) concerning the explanation of important matters to Person Seeking Funds, etc. based on the knowledge, experience and status of property of the Persons Seeking Funds, etc. or any other measures to ensure the sound and appropriate management of business (including the delivery of documents, explanation of the contents of the loan product or transaction by any other appropriate method, and measure to prevent crimes), and develop trainings for its workers and other system sufficient for the business to be managed based on the relevant Internal Rules, etc.
(貸金業務に関する苦情処理措置及び紛争解決措置)
(Complaint Processing Measures and Dispute Resolution Measures for Money Lending Operations)
第十条の六の二 法第十二条の二の二第一項第二号に規定する苦情処理措置として内閣府令で定める措置は、次の各号のいずれかとする。
Article 10-6-2 (1) The reference, in Article 12-2-2, paragraph (1), item (ii) of the Act, to measures that Cabinet Office Order specifies as constituting Complaint Processing Measures means any of the following:
一 次に掲げるすべての措置を講じること。
(i) that the relevant person takes all of the following measures:
イ 貸金業務関連苦情(法第二条第二十項に規定する貸金業務関連苦情をいう。以下この項及び第三項において同じ。)の処理に関する業務を公正かつ的確に遂行するに足りる業務運営体制を整備すること。
(a) establishing a system for business operation sufficient to execute the business of processing Complaints Related to Money Lending Operations (meaning the Complaints Related to Money Lending Operations as defined in Article 2, paragraph (20) of the Act; hereinafter the same applies in this paragraph and paragraph (3)) in a fair and appropriate manner;
ロ 貸金業務関連苦情の処理に関する業務を公正かつ的確に遂行するための社内規則(当該業務に関する社内における責任分担を明確化する規定を含むものに限る。)を整備すること。
(b) establishing Internal Rules for the fair and appropriate execution of the business of processing Complaints Related to Money Lending Operations (limited to the internal rules including the provisions clarifying the sharing of responsibility in the company with regard to the business);
ハ 貸金業務関連苦情の申出先を資金需要者等(法第十二条の二の二第一項第二号に規定する資金需要者等をいう。)に周知し、並びにイの業務運営体制及びロの社内規則を公表すること。
(c) informing Persons Seeking Funds, etc. (meaning Persons Seeking Funds, etc. as prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act) of the entity with which Complaints Related to Money Lending Operations are to be filed, and publicizing the system for business operation as provided in sub-item (a) and the Internal Rules provided in sub-item (b);
二 法第四十一条の七第一項の規定により貸金業協会が行う苦情の解決により貸金業務関連苦情の処理を図ること。
(ii) that the relevant person works to process Complaints Related to Money Lending Operations by the settlement of complaints carried out by the Money Lenders Association pursuant to the provisions of Article 41-7, paragraph (1) of the Act;
三 消費者基本法(昭和四十三年法律第七十八号)第十九条第一項又は第二十五条に規定するあつせんにより貸金業務関連苦情の処理を図ること。
(iii) that the relevant person works to process Complaints Related to Money Lending Operations through the mediation referred to in Article 19, paragraph (1) or Article 25 of the Consumer Basic Act (Act No. 78 of 1968);
四 令第四条の二各号に掲げる指定を受けた者が実施する苦情を処理する手続により貸金業務関連苦情の処理を図ること。
(iv) that the relevant person works to process Complaints Related to Money Lending Operations through the procedures of processing complaints implemented by the person that has obtained the designation listed in the items of Article 4-2 of the Order; or
五 貸金業務関連苦情の処理に関する業務を公正かつ的確に遂行するに足りる経理的基礎及び人的構成を有する法人(法第四十一条の三十九第一項第一号に規定する法人をいう。次項第四号において同じ。)が実施する苦情を処理する手続により貸金業務関連苦情の処理を図ること。
(v) that the relevant person works to process Complaints Related to Money Lending Operations through the procedures of processing complaints implemented by the Corporation (meaning the corporation as prescribed in Article 41-39, paragraph (1), item (i) of the Act; the same applies in item (iv) of the following paragraph) with financial basis and personnel structure sufficient to execute the business of processing Complaints Related to Money Lending Operations in a fair and appropriate manner.
2 法第十二条の二の二第一項第二号に規定する紛争解決措置として内閣府令で定める措置は、次の各号のいずれかとする。
(2) The reference, in Article 12-2-2, paragraph (1), item (ii) of the Act, to measures that Cabinet Office Order specifies as constituting Dispute Resolution Measures means any of the following:
一 弁護士法(昭和二十四年法律第二百五号)第三十三条第一項に規定する会則若しくは当該会則の規定により定められた規則に規定する機関におけるあつせん又は当該機関における仲裁手続により貸金業務関連紛争(法第二条第二十一項に規定する貸金業務関連紛争をいう。以下この条において同じ。)の解決を図ること。
(i) working to resolve Disputes Related to Money Lending Operations (meaning Disputes Related to Money Lending Operations as prescribed in Article 2, paragraph (21) of the Act; hereinafter the same applies in this Article) through mediation by an organization provided for in the articles of association referred to in Article 33, paragraph (1) of the Attorney Act (Act No. 205 of 1949) or rules provided pursuant to the provisions of the relevant articles of association, or through the arbitration procedure by the organization;
二 消費者基本法第十九条第一項若しくは第二十五条に規定するあつせん又は同条に規定する合意による解決により貸金業務関連紛争の解決を図ること。
(ii) working to resolve Disputes Related to Money Lending Operations through mediation provided for in Article 19, paragraph (1) or Article 25 of the Consumer Basic Act, or through a settlement through agreement as prescribed in that Article;
三 令第四条の二各号に掲げる指定を受けた者が実施する紛争の解決を図る手続により貸金業務関連紛争の解決を図ること。
(iii) working to resolve Disputes Related to Money Lending Operations through dispute resolution procedures implemented by a person that has been designated as set forth in the items of Article 4-2 of the Order; or
四 貸金業務関連紛争の解決に関する業務を公正かつ的確に遂行するに足りる経理的基礎及び人的構成を有する法人が実施する紛争の解決を図る手続により貸金業務関連紛争の解決を図ること。
(iv) working to resolve Disputes Related to Money Lending Operations through complaint processing procedures implemented by the Corporation with a sufficient financial basis and personnel structure to execute the business of resolving Disputes Related to Money Lending Operations in a fair and appropriate manner.
3 前二項(第一項第五号及び前項第四号に限る。)の規定にかかわらず、貸金業者は、次の各号のいずれかに該当する法人が実施する手続により貸金業務関連苦情の処理又は貸金業務関連紛争の解決を図つてはならない。
(3) Notwithstanding the provisions of the preceding two paragraph (limited to paragraph (1), item (v), and item (iv) of the preceding paragraph), a Money Lender must not process a Complaint Related to Money Lending Operations or to resolve a Dispute Related to Money Lending Operations through procedures implemented by a corporation falling under one of the following categories:
一 法又は弁護士法の規定により罰金の刑に処せられ、その執行を終わり、又は執行を受けることがなくなつた日から五年を経過しない法人
(i) a corporation that has been sentenced to a fine for having violated the provisions of this Act or the Attorney Act, if five years have not elapsed since the day on which execution of the sentence has been completed or the sentence has become no longer applicable;
二 法第四十一条の六十一第一項の規定により法第四十一条の三十九第一項の規定による指定を取り消され、その取消しの日から五年を経過しない法人又は令第四条の二各号に掲げる指定を取り消され、その取消しの日から五年を経過しない法人
(ii) a corporation whose designation under Article 41-39, paragraph (1) of the Act has been rescinded pursuant to Article 41-61, paragraph (1) of the Act, if five years have not elapsed from the day of rescission, or a corporation whose designation listed in the items of Article 4-2 of the Order has been rescinded, if five years have not elapsed from the day of rescission;
三 その業務を行う役員(法第四十一条の三十九第一項第四号に規定する役員をいう。以下この号において同じ。)のうちに、次のいずれかに該当する者がある法人
(iii) a corporation with a managing Officer (meaning the Officers as prescribed in Article 41-39, paragraph (1), item (iv) of the Act; hereinafter the same applies in this item) falling any of the following categories:
イ 禁錮以上の刑に処せられ、又は法若しくは弁護士法の規定により刑に処せられ、その執行を終わり、又は執行を受けることがなくなつた日から五年を経過しない者
(a) a person that has been sentenced to imprisonment without work or a severer punishment, or a fine for having violated the provisions of this Act or the Attorney Act, if five years have not elapsed since the day on which execution of the sentence has been completed or the sentence has become no longer applicable;
ロ 法第四十一条の六十一第一項の規定により法第四十一条の三十九第一項の規定による指定を取り消された法人において、その取消しの日前三十日以内にその法人の役員であつた者でその取消しの日から五年を経過しない者又は令第四条の二各号に掲げる指定を取り消された法人において、その取消しの日前三十日以内にその法人の役員であつた者でその取消しの日から五年を経過しない者
(b) with regard to a corporation whose designation under Article 41-39, paragraph (1) of the Act is rescinded pursuant to Article 41-61, paragraph (1) of the Act, a person that was an Officer of the corporation within 30 days prior to the day of rescission if five years have not elapsed from the day of rescission, or with regard to a corporation whose designation listed in the items of Article 4-2 of the Order is rescinded, if five years have not elapsed from the day of rescission, a person that was an Officer of the corporation within 30 days prior to the day of rescission if five years have not elapsed from the day of rescission.
(貸金業務取扱主任者の設置)
(Assigning Heads of Money Lending Operations)
第十条の七 法第十二条の三第一項の規定により、貸金業者が営業所等に貸金業務取扱主任者を置くときは、当該貸金業務取扱主任者は、次の各号のいずれにも該当しない者でなければならない。ただし、自動契約受付機若しくは現金自動設備のみにより貸付けに関する業務を行う営業所等又は代理店(当該代理店が貸金業者である場合に限る。)に貸金業務取扱主任者を置く場合にあつては、この限りでない。
Article 10-7 When a Money Lender assigns a Head of Money Lending Operations to a Business Office, etc. pursuant to the provisions of Article 12-3, paragraph (1) of the Act, the Head of Money Lending Operations must be a person not falling under any of the following items; provided, however, that, this does not apply to cases where a Head of Money Lending Operations is to be assigned to a Business Office, etc. that carries out Loan Operations only through unmanned automatic contract machines or Automatic Cash Machines, or to an Agent Office (limited to cases where the relevant Agent Office is a Money Lender):
一 当該営業所等において常時勤務する者でない者
(i) that the relevant person is not a person that regularly works at the relevant Business Office, etc.;
二 他の営業所等の貸金業務取扱主任者として貸金業者登録簿に登録されている者であつて、法第八条第一項の規定による届出がないもの
(ii) that the relevant person is registered in the Money Lender register as Head of Money Lending Operations at another Business Office, etc., if the notification under Article 8, paragraph (1) of the Act has not been made.
(法第十二条の三第一項に規定する内閣府令で定める数)
(Reference, in Article 12-3, Paragraph (1) of the Act, to a Number Specified by Cabinet Office Order)
第十条の八 法第十二条の三第一項に規定する内閣府令で定める数は、営業所等において貸金業の業務に従事する者の数に対する貸金業務取扱主任者の数の割合が五十分の一以上となる数とする。
Article 10-8 The reference, in Article 12-3, paragraph (1), item (i) of the Act, to a number specified by Cabinet Office Order means the number at which the Heads of Money Lending Operations come to constitute two percent or more of the persons engaged in money lending operations at the Business Office, etc.
(証明書の様式等)
(Forms of Identification Cards)
第十条の九 法第十二条の四第一項に規定する証明書は、次の各号に掲げる場合の区分に応じ、当該各号に定める事項が記載され、従業者の写真がはり付けられたものとする。
Article 10-9 (1) The identification card referred to in Article 12-4, paragraph (1) of the Act is one that gives the matters specified in the following items for each of the categories of cases listed in those items, and that bears the photograph of the worker:
一 貸金業者の貸金業の業務に従事する場合(次号に該当する場合を除く。)
(i) in cases where the worker engages in the money lending operation of the Money Lender (excluding cases falling under the following item):
イ 貸金業者の商号、名称又は氏名、住所及び登録番号(登録番号の括弧書きについては省略することができる。)
(a) the trade name, name, address and registration number of the Money Lender (entry of the registration number in parentheses may be omitted);
ロ 従業者の氏名
(b) the name of the worker;
ハ 証明書の番号
(c) the number of the certificate;
二 貸金業者の委託により貸金業の業務に従事する場合(貸金業者の委任を受けて貸金業を代理する場合を含む。)
(ii) in cases where the worker engages in the money lending operation under the entrustment from the Money Lender (including cases of acting as an agent for the Money Lending Business under the entrustment of the Money Lender);
イ 貸金業の業務を委託した貸金業者の商号、名称又は氏名、住所及び登録番号(登録番号の括弧書きについては省略することができる。)
(a) the trade name, name, address and registration number of the Money Lender that entrusted the money lending operation (entry of the registration number in parentheses may be omitted);
ロ 当該貸金業者から貸金業の業務を委託された者の商号、名称又は氏名、住所及び当該委託された者が貸金業者である場合にあつてはその登録番号(登録番号の括弧書きについては省略することができる。)
(b) the trade name, name, and address of the person entrusted with the money lending operation from the relevant Money Lender, as well as the registration number in cases where the entrusted person is a Money Lender (entry of the registration number in parentheses may be omitted);
ハ 当該貸金業者が貸金業の業務を委託した旨
(c) the fact that the relevant Money Lender has entrusted the money lending operation;
ニ 従業者の氏名
(d) the name of the worker; and
ホ 証明書の番号
(e) the number of the certificate.
2 法第十二条の四第一項に規定する貸金業の業務には、勧誘を伴わない広告のみを行う業務及び営業所等において資金需要者等と対面することなく行う業務を含まないものとする。
(2) The money lending operations as referred to in Article 12-4, paragraph (1) of the Act do not include operations it carries out for advertising alone without also soliciting people's business, nor operations it carries out without meeting the Person Seeking Funds, etc. at its Business Office, etc.
3 従業者は、貸金業の業務に従事するに際し、相手方の請求があつたときは、第一項の証明書を提示しなければならない。
(3) A worker must present the identification card prescribed in paragraph (1) to the other party when requested by the other party upon implementing the money lending operation.
(従業者名簿の記載事項等)
(Matters to be Stated in the Roster of Employees)
第十条の九の二 法第十二条の四第二項に規定する内閣府令で定める事項は、次に掲げるものとする。
Article 10-9-2 (1) The reference, in Article 12-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order, means:
一 生年月日
(i) the date of birth of the employee;
二 主たる職務内容
(ii) contents of the major duties of the employee;
三 貸金業務取扱主任者であるか否かの別
(iii) whether or not the employee is a Head of Money Lending Operations;
四 貸金業務取扱主任者であるときは、その登録番号
(iv) if the employee is a Head of Money Lending Operations, the registration number thereof;
五 当該営業所等の従業者となつた年月日
(v) the date on which the employee became the employee of the relevant Business Office, etc.;
六 当該営業所等の従業者でなくなつたときは、その年月日
(vi) if the employee has ceased to be the employee of the relevant Business Office, etc., the date thereof;
七 第五条の四第一項第三号の貸付けの業務に一年以上従事した者(常勤の役員又は使用人であるものに限る。)に該当するか否かの別
(vii) whether the employee has been in the loan servicing referred to in Article 5-4, paragraph (1), item (iii) for at least one year (limited to persons that are full-time officers or employees).
2 法第十二条の四第二項に規定する従業者名簿の様式は、別紙様式第六号の二によるものとする。
(2) In terms of format, the roster of employees referred to in Article 12-4, paragraph (2) of the Act is to be based on Appended Form No. 6-2.
3 貸金業者は、法第十二条の四第二項に規定する従業者名簿を、最終の記載をした日から十年間保存しなければならない。
(3) The Money Lender must preserve the roster of employees referred to in Article 12-4, paragraph (2) of the Act for 10 years from the day on which the latest statement has been made.
(生命保険契約等の締結に係る制限)
(Restrictions on Conclusion of Life Insurance Contracts)
第十条の十 法第十二条の七に規定する内閣府令で定める契約は、次に掲げる契約とする。
Article 10-10 The reference, in Article 12-7 of the Act, to contracts specified by Cabinet Office Order means:
一 住宅(居住の用に供する建物(その一部を事業の用に供するものを含む。)をいう。以下この号において同じ。)の建設若しくは購入に必要な資金(住宅の用に供する土地又は借地権の取得に必要な資金を含む。)又は住宅の改良に必要な資金の貸付けに係る契約
(i) loan contracts for funds necessary for building or purchasing housing (meaning buildings for residential purposes (including those with part for business purpose); hereinafter the same applies in this item) (including funds necessary for the acquisition of lands for housing or for the acquisition of land leasehold rights), or for funds necessary for the improvement of housing;
二 自ら又は他の者により前号の貸付けが行われることが予定されている場合において、当該貸付けが行われるまでのつなぎとして行う貸付けに係る契約
(ii) in cases where the Loan under the preceding item are planned to be made by the Money Lender itself or others, loan contacts to be made as a stopgap before the relevant Loan is to be made.
(貸付けに係る契約の締結の条件としてはならない債務履行担保措置)
(Measures to Secure Obligations Which Must Not Be Established as a Condition for Concluding a Loan Contract)
第十条の十一 法第十二条の八第五項に規定する内閣府令で定めるものは、貸付けに係る契約に基づく債務の履行を担保するために土地、建物その他の財産を担保に供することとする。
Article 10-11 The reference, in Article 12-8, paragraph (5) of the Act, to measures specified by Cabinet Office Order means providing lands, buildings, or any other property as collateral to secure obligations under the loan contract.
(保証料の確認に関する記録の保存)
(Preservation of Records on Confirmation of Guarantee Charges)
第十条の十二 貸金業者は、法第十二条の八第七項に規定する記録を、同条第六項に規定する貸付けに係る契約に定められた最終の返済期日(当該貸付けに係る契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日(当該貸付けに係る契約が極度方式基本契約又は極度方式貸付けに係る契約である場合にあつては、当該極度方式基本契約の解除の日又は当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日))までの間保存しなければならない。
Article 10-12 A Money Lender must preserve the record referred to in Article 12-8, paragraph (7) of the Act until the final repayment due date provided in the loan contract set forth in paragraph (6) of that Article (in cases where the claim under the loan contract has extinguished upon performance or on any other grounds, the day on which the claim extinguished (in cases where the loan contract is a Basic Contract for a Revolving Credit Loan or a contract for a Revolving Credit Loan, the day of cancellation of the Basic Contract for a Revolving Credit Loan or among the final repayment due dates provided in all the contracts for Revolving Credit Loans under the Basic Contract for a Revolving Credit Loan, the latest date (in cases where all the claims under these contracts have extinguished upon performance or any other grounds, the day on which the claims have extinguished), whichever comes later)).
(貸付けに係る契約の締結の条件としてはならない保証料に係る契約)
(Contracts for Guarantee Charges Which Must Not Be Established as a Condition for Concluding a Loan Contract)
第十条の十三 法第十二条の八第八項に規定する内閣府令で定めるものは、保証業者が、貸付けに係る契約(利息の額が定まらないもの(主たる債務について支払うべき利息が利息の契約後変動し得る利率をもつて定められている場合を除く。)に限る。)に基づく債務を主たる債務とする保証を行う場合における保証料に係る契約とする。
Article 10-13 The reference, in Article 12-8, paragraph (8) of the Act, to a contract for guarantee charges specified by Cabinet Office Order means a contract for guarantee charges in which a Guarantee Business Operator provides a guarantee by having the obligation under the loan contract (limited to those of which the amount of interest is not fixed (excluding cases where the interest to be paid for the principal obligation is decided by the interest rate which may fluctuate after the conclusion of the contract for interest)) as the principal obligation.
(保証業者と締結してはならない根保証契約)
(Contract for a Revolving Guarantee Which Must Not Be Concluded With a Guarantee Business Operator)
第十条の十四 法第十二条の八第九項に規定する内閣府令で定める根保証契約は、次の各号のいずれかに該当するものとする。
Article 10-14 The reference, in Article 12-8, paragraph (9) of the Act, to a Contract for a Revolving Guarantee specified by Cabinet Office Order means one of the following:
一 当該根保証契約を締結する時に現に存する主たる債務の元本額及び当該根保証契約を締結した後に発生することが見込まれる貸付けに係る契約に係る債務の元本額(当該根保証契約を締結する時までの主たる債務者の資金の借入れ又は当該根保証契約を締結する時に主たる債務者が保有する資産の状況に照らして合理的と認められる範囲内のものに限る。)を合算した金額を超える元本極度額(保証人が履行の責任を負うべき主たる債務の元本の上限の額をいう。)を定める根保証契約
(i) a Contract for a Revolving Guarantee providing the Maximum Principal (meaning the maximum amount of principal of the principal obligation which the guarantor is to assume the responsibility of performance) exceeding the total of the amount of principal of the principal obligation actually in existence at the time of conclusion of the relevant Contract for a Revolving Guarantee and the amount of principal of the obligation related to the loan contract which is expected to arise after the conclusion of the relevant Contract for a Revolving Guarantee (limited to the amount of principal which is within the scope found to be reasonable in light of the status of the borrowing of funds of the principal obligor by the time of concluding the relevant Contract for a Revolving Guarantee or the assets held by the principal obligor at the time of concluding the relevant Contract for a Revolving Guarantee);
二 当該根保証契約において三年を経過した日より後の日を元本確定期日として定める根保証契約又は元本確定期日の定めがない根保証契約
(ii) a Contract for a Revolving Guarantee fixing a day after the day on which three years have elapsed from the date of conclusion of the Contract for a Revolving Guarantee as the principal determination date, or a Contract for a Revolving Guarantee with no provisions on principal determination date.
(媒介のための新たな役務の提供を伴わないと認められる法律行為)
(Juridical Act Found Not to Accompany Additional Services for Intermediary)
第十条の十五 法第十二条の八第十項に規定する内閣府令で定める法律行為は、次の各号のいずれかに該当するものとする。
Article 10-15 The reference in Article 12-8, paragraph (10) of the Act, to juridical acts specified by Cabinet Office Order means any of the following:
一 貸付けに係る契約(金銭の貸借の媒介により締結されたものに限る。次号において同じ。)の締結後に行われる借換え(同一の貸金業者と債務者との間で行われるものに限る。)であつて、新たな役務の提供を伴わないと認められるもの
(i) a refinancing (limited to those made between the same Money Lender and obligor) made after the conclusion of a loan contract (limited to those concluded through money brokerage; the same applies in the following item) which is found not to accompany any additional services; and
二 貸付けに係る契約の終了後に行われる新たな貸付けに係る契約の締結(同一の貸金業者と債務者との間で行われるものに限る。)であつて、新たな役務の提供を伴わないと認められるもの
(ii) conclusion of a new loan contract (limited to those made between the same Money Lender and obligor) made after the termination of the loan contract, which is found not to accompany any additional services.
(指定信用情報機関が保有する信用情報の使用義務の例外)
(Exceptions to Obligations to Use Credit Information Held by a Designated Credit Bureau)
第十条の十六 法第十三条第二項に規定する内閣府令で定める貸付けの契約は、次に掲げる契約とする。
Article 10-16 The reference, in Article 13, paragraph (2) of the Act, to a Contract for a Loan specified by Cabinet Office Order means:
一 極度方式貸付けに係る契約
(i) a contract for a Revolving Credit Loan; and
二 第一条の二の三第二号から第五号までに掲げる契約
(ii) the contracts set forth in Article 1-2-3, items (ii) through (v).
第十条の十六の二 貸金業者が特定非営利金融法人(第一条の二の四第二項に規定する特定非営利金融法人をいう。以下同じ。)である場合にあつては、法第十三条第二項に規定する内閣府令で定める貸付けの契約は、前条各号に掲げるもののほか、特定貸付契約(第一条の二の四第三項に規定する特定貸付契約をいう。以下同じ。)及び当該特定貸付契約に係る保証契約とする。
Article 10-16-2 In cases where a Money Lender is a Specified Non-Profit Finance Corporation (meaning the Specified Non-Profit Finance Corporation prescribed in Article 1-2-4, paragraph (2); the same applies hereinafter), the reference, in Article 13, paragraph (2) of the Act, to a Contract for a Loan specified by Cabinet Office Order means a Specified Loan Contract (meaning the Specified Loan Contract prescribed in Article 1-2-4, paragraph (3); the same applies hereinafter) and a guarantee contract pertaining to the relevant Specified Loan Contract, beyond what is listed in the items of the preceding Article.
(資力を明らかにする事項を記載した書面等)
(Documents Containing the Matters That Disclose Financial Resources)
第十条の十七 法第十三条第三項本文及びただし書(これらの規定を同条第五項において準用する場合を含む。)並びに法第十三条の三第三項本文に規定する内閣府令で定めるものは、次に掲げる書面(又はその写し(当該書面に代えて電磁的記録の作成がされている場合における当該電磁的記録を含む。以下この項において「書面等」という。)とする。ただし、個人顧客(法第十三条第三項に規定する個人顧客をいう。以下同じ。)の勤務先に変更があつた場合その他当該書面等が明らかにする当該個人顧客の資力に変更があつたと認められる場合には、当該変更後の資力を明らかにするものに限る。
Article 10-17 (1) The reference, in the main clause and proviso to Article 13, paragraph (3) of the Act (including the cases where these provisions are applied mutatis mutandis pursuant to paragraph (5) of that Article) and the main clause of Article 13-3, paragraph (3) of the Act, to documents or electronic or magnetic records specified by Cabinet Office Order means the following documents or copies thereof (in cases where the documents are prepared in the form of an electronic or magnetic record in lieu of a paper document, including the electronic or magnetic record; hereinafter collectively referred to as the "Documents, etc." in this paragraph); provided, however, that, in cases where there were changes to the place of work of the Individual Customer (meaning the Individual Customer as defined in Article 13, paragraph (3) of the Act; the same applies hereinafter), or to the financial resources of the relevant Individual Customer which are to be disclosed by the Document, etc., limited to Documents, etc. that disclose the financial resources after the change:
一 源泉徴収票(法第十三条第三項に規定する源泉徴収票をいう。)
(i) withholding records (meaning the Withholding Records as prescribed in Article 13, paragraph (3) of the Act);
二 支払調書
(ii) payment record;
三 給与の支払明細書
(iii) salary payment description;
四 確定申告書
(iv) final returns;
五 青色申告決算書
(v) financial statement for blue return;
六 収支内訳書
(vi) statement of earnings and expenditures;
七 納税通知書
(vii) notification of tax;
七の二 納税証明書
(vii)-2 certificate of tax payment;
八 所得証明書
(viii) income certificate;
九 年金証書
(ix) pension certificate;
十 年金通知書
(x) pension notice;
十一 個人顧客の配偶者(婚姻の届出をしていないが、事実上婚姻関係と同様の事情にある者を含む。以下同じ。)に係る前各号に掲げるもの(当該個人顧客が第十条の二十三第一項第三号に掲げる契約を締結しようとする場合若しくは同号に掲げる契約(極度方式基本契約に限る。)を締結している場合又は当該個人顧客の配偶者が同号に掲げる契約を締結している場合に限る。)
(xi) the documents set forth in the preceding items related to the Spouse of the Individual Customer (including a person whose involvement with the Individual Customer is the same as a marital relationship for all practical purposes, even if no marriage has been registered; the same applies hereinafter) (limited to cases where the Individual Customer seeks to conclude the contract set forth in Article 10-23, paragraph (1), item (iii), or has concluded the contract set forth in that item (limited to a Basic Contract for a Revolving Credit Loan), or where the Spouse of the Individual Customer has concluded the contract set forth in that item).
2 前項各号に掲げる書面(同項第九号に掲げる書面及び同項第十一号に掲げる書面(同項第九号に係るものに限る。)を除く。)は、次の各号に掲げる書面の区分に応じ、当該各号に定める要件を満たすものでなければならない。
(2) The documents listed in the items of the preceding paragraph (excluding the document listed in item (ix) of the same paragraph and the document listed in item (xi) of the same paragraph (limited only to one pertaining to item (ix) of the same paragraph)) must satisfy the requirements set forth in the following items for each of the categories of documents listed in those items:
一 前項第一号、第二号及び第十号に掲げる書面並びに同項第十一号に掲げる書面(同項第一号、第二号及び第十号に係るものに限る。) 一般的に発行される直近の期間に係るものであること。
(i) the documents listed in items (i), (ii) and (x) of the preceding paragraph and the document listed in item (xi) of the same paragraph (limited to one pertaining to items (i), (ii) and (x) of the same paragraph): that these documents pertain to the most recent period at which these documents are to be issued in general;
二 前項第三号に掲げる書面及び同項第十一号に掲げる書面(同項第三号に係るものに限る。) 直近二月分以上のもの(第十条の二十二第二項第三号に掲げる方法により直近の年間の給与の金額を算出する場合にあつては、直近のもの)であること。
(ii) the document listed in item (iii) of the preceding paragraph and the document listed in item (xi) of the same paragraph (limited to one pertaining to item (iii) of the same paragraph): that these documents are from the latest two months or longer (in cases where the latest amount of annual salary is calculated by the method listed in Article 10-22, paragraph (2), item (iii), the latest ones);
三 前項第四号から第六号までに掲げる書面及び同項第十一号に掲げる書面(同項第四号から第六号までに係るものに限る。) 通常提出される直近の期間(当該直近の期間を含む連続した期間における事業所得の金額(所得税法(昭和四十年法律第三十三号)第二十七条第二項に規定する事業所得の金額をいう。次号及び第十条の二十二第一項第四号において同じ。)を用いて基準額(法第十三条の二第二項に規定する基準額をいう。次号において同じ。)を算定する場合にあつては、当該直近の期間を含む連続した期間)に係るものであること。
(iii) the documents listed in items (iv) through (vi) of the preceding paragraph and the document listed in (xi) of the same paragraph (limited to one pertaining to items (iv) through (vi) of the same paragraph): that these documents pertain to the most recent period at which these documents are normally submitted (in cases where the Base Amount (meaning the Base Amount prescribed in Article 13-2, paragraph (2) of the Act; the same applies in the following item) is calculated using the amount of business income (meaning the amount of business income prescribed in Article 27, paragraph (2) of the Income Tax Act (Act No. 33 of 1965); the same applies in the following item and Article 10-22, paragraph (1), item (iv)) in a continuous period containing the relevant most recent period); and
四 前項第七号から第八号までに掲げる書面及び同項第十一号に掲げる書面(同項第七号から第八号までに係るものに限る。) 一般的に発行される直近の期間(当該直近の期間を含む連続した期間における事業所得の金額を用いて基準額を算定する場合にあつては、当該直近の期間を含む連続した期間)に係るものであること。
(iv) the documents listed in items (vii) through (viii) of the preceding paragraph and the document listed in (xi) of the same paragraph (limited to one pertaining to items (vii) through (viii) of the same paragraph): that these documents pertain to the most recent period at which these documents are to be issued in general (in cases where the Base Amount is calculated using the amount of business income in a continuous period containing the relevant most recent period, the relevant continuous period containing the relevant most recent period).
3 第一項ただし書の規定にかかわらず、当該個人顧客(同項第十一号に掲げる書面に係るものにあつては、当該個人顧客の配偶者)が次に掲げる要件のいずれにも該当する場合には、同項本文に規定する書面等を用いることができる。
(3) Notwithstanding the provisions of the proviso to paragraph (1), in cases where the relevant Individual Customer (in cases where related to the documents set forth in item (xi) of that paragraph, the Spouse of the Individual Customer) satisfies all of the following requirements, the customer may use the Documents, etc. prescribed in the main clause of that paragraph:
一 変更後の勤務先が確認されていること。
(i) that the work of place after the change is confirmed; and
二 変更後の勤務先で二月分以上の給与の支払を受けていないこと。
(ii) that the Individual Customer has not been paid salary for two months or more from the work of place after the change.
(貸付けの契約を締結した場合における返済能力の調査に関する記録の作成等)
(Preparation of Records on the Investigation on Repayment Capacity In Cases of Conclusion of a Contract for a Loan)
第十条の十八 法第十三条第四項の規定により、貸金業者は、顧客等ごとに、次に掲げる事項の記録を作成しなければならない。
Article 10-18 (1) Pursuant to the provisions of Article 13, paragraph (4) of the Act, a Money Lender must prepare a record of the following matters for each Customer, etc.:
一 契約年月日
(i) the date of contract;
二 顧客等から前条第一項に規定する書面等の提出又は提供を受けた年月日
(ii) the date on which the Money Lender was submitted or provided with the Documents, etc. prescribed in paragraph (1) of the preceding Article from the Customer, etc.;
三 顧客等の資力に関する調査の結果
(iii) the result of the investigation on the financial resources of the Customer, etc.;
四 顧客等の借入れの状況に関する調査の結果(法第十三条第二項の規定により、指定信用情報機関が保有する信用情報を使用して行つた調査の結果を含む。)
(iv) the results of the investigation on the situation of borrowings of the Customer, etc. (including the results of the investigation made by using the Credit Information held by a Designated Credit Bureau, pursuant to the provisions of Article 13, paragraph (2) of the Act); and
五 その他法第十三条第一項の規定による調査に使用した書面又はその写し(当該書面の作成に代えて電磁的記録の作成がされている場合における当該電磁的記録を含む。以下同じ。)
(v) other documents used for the investigation under Article 13, paragraph (1) of the Act or the copy thereof (in cases where the documents are made in the form of an electronic or magnetic record in lieu of the preparation of the documents, including the electronic or magnetic record; the same applies hereinafter).
2 貸金業者は、前項に規定する記録(法第十三条第三項の規定により前条第一項に規定する書面等の提出又は提供を受けたときは、当該書面等又は当該書面等(書面又はその写しに該当するものに限る。)に記載された情報の内容を記録した電磁的記録を含む。)を、次の各号に掲げる貸付けの契約の区分に応じ、当該各号に定める日までの間保存しなければならない。
(2) A Money Lender must preserve the record prescribed in the preceding paragraph (in cases where the Money Lender has been submitted or provided with the Documents, etc. prescribed in paragraph (1) of the preceding Article pursuant to the provisions of Article 13, paragraph (3) of the Act, the Documents, etc. or electronic or magnetic records in which the content of the information stated in the relevant Documents, etc. (limited to documents or the copy thereof) is recorded are included) until the day that each of the following items prescribes for the category of Contract for a Loan set forth in the item:
一 貸付けに係る契約 当該貸付けに係る契約に定められた最終の返済期日(当該貸付けに係る契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日(当該貸付けに係る契約が極度方式基本契約又は極度方式貸付けに係る契約である場合にあつては、当該極度方式基本契約の解除の日又は当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日))
(i) a loan contract: the final repayment due date provided in the relevant loan contract (in cases where the claim under the relevant loan contract has extinguished upon performance or on any other grounds, the day on which the claim has extinguished (in cases where the relevant loan contract is a Basic Contract for a Revolving Credit Loan or a contract or Revolving Credit Loan, the day of cancellation of the Basic Contract for a Revolving Credit Loan, or, among the final repayment due dates provided in all the contracts for Revolving Credit Loans under the Basic Contract for a Revolving Credit Loan, the latest date (in cases where all the claims under these contracts have extinguished upon performance or on any other grounds, the day on which the claims have extinguished), whichever comes later)).
二 貸付けに係る契約の保証契約 前号に定める日又は当該保証契約に基づく債務が消滅した日のうちいずれか早い日
(ii) a guarantee contract for a loan contract: the day specified in the preceding item, or the day on which the obligation under the relevant guarantee contract has extinguished, whichever comes earlier.
(極度方式基本契約の相手方の利益の保護に支障を生ずることがない場合)
(Cases Where the Protection of the Interests of the Counterparty to the Basic Contract of a Revolving Credit Loan Are Not Hindered)
第十条の十九 法第十三条第五項に規定する内閣府令で定めるものは、極度方式基本契約の相手方と連絡することができないことにより、極度額(貸金業者が極度方式基本契約の相手方に対し当該極度方式基本契約に基づく極度方式貸付けの元本の残高の上限として極度額を下回る額を提示している場合にあつては、当該下回る額。以下この条、次条第一項第一号、第十条の二十三第一項第二号の二ロ(1)及び(2)、第十条の二十八第四項第一号並びに第十条の二十九第一号において同じ。)を一時的に減額していた場合(当該相手方の返済能力の低下による場合を除く。)に、当該相手方と連絡することができたことにより、極度額をその減額の前の額まで増額する場合とする。
Article 10-19 The reference, in Article 13, paragraph (5) of the Act, to a case specified by Cabinet Office Order means if it has become possible for the maximum amount (in cases where the Money Lender has made available to the counterparty to the Basic Contract for a Revolving Credit Loan an amount smaller than the maximum amount as an upper limit on outstanding balance of principal of the Revolving Credit Loan under the Basic Contract for a Revolving Credit Loan, that smaller amount; hereinafter the same applies in this Article, paragraph (1), item (i) of the following Article, Article 10-23, paragraph (1), item (ii)-2, sub-item (b) 1 and 2, Article 10-28, paragraph (4), item (i) and Article 10-29, item (i)) which has been temporarily decreased because it was not possible to contact the counterparty to the Basic Contract for a Revolving Credit Loan (excluding cases where the decrease has been made due to the decline in the repayment capacity of the relevant counterparty), to be increased to the amount that it was before the decrease thereof because it became possible to contact the counterparty.
(極度方式基本契約の極度額を増額した場合における返済能力の調査に関する記録の作成等)
(Preparation of Records on the Investigation on the Repayment Capacity in Cases Where the Maximum Amount Under the Basic Contract for a Revolving Credit Loan is Increased)
第十条の二十 法第十三条第五項において準用する同条第四項の規定により、貸金業者は、債務者ごとに、次に掲げる事項の記録を作成しなければならない。
Article 10-20 (1) Pursuant to the provisions of Article 13, paragraph (4) of the Act as applied mutatis mutandis pursuant to paragraph (5) of that Article, a Money Lender must prepare a record on the following matters for each obligor:
一 極度額を増額した年月日
(i) the date on which the maximum amount was increased;
二 当該債務者から第十条の十七第一項に規定する書面等の提出又は提供を受けた年月日
(ii) the date on which the Money Lender was submitted or provided with the Documents, etc. prescribed in Article 10-17, paragraph (1) from the relevant obligor;
三 当該債務者の資力に関する調査の結果
(iii) the results of the investigation on the financial resource of the relevant obligor;
四 当該債務者の借入れの状況に関する調査の結果(法第十三条第五項において準用する同条第二項の規定により、指定信用情報機関が保有する信用情報を使用して行つた調査の結果を含む。)
(iv) the results of the investigation on the situation of borrowings of the relevant obligor (including the results of the investigation made by using the Credit Information held by a Designated Credit Bureau, pursuant to the provisions of Article 13, paragraph (2) of the Act as applied mutatis mutandis pursuant to paragraph (5) of that Article); and
五 その他法第十三条第五項において準用する同条第一項の規定による調査に使用した書面又はその写し
(v) other documents used for the investigation under Article 13, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (5) of that Article, or the copy thereof.
2 貸金業者は、前項に規定する記録(法第十三条第五項において準用する同条第三項の規定により第十条の十七第一項に規定する書面等の提出又は提供を受けたときは、当該書面等又は当該書面等(書面又はその写しに該当するものに限る。)に記載された情報の内容を記録した電磁的記録を含む。)を、当該極度方式基本契約の解除の日又は当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日までの間保存しなければならない。
(2) A Money Lender must preserve the record prescribed in the preceding paragraph (in cases where the Money Lender has been submitted or provided with the Documents, etc. prescribed in Article 10-17, paragraph (1) pursuant to the provisions of Article 13, paragraph (3) of the Act as applied mutatis mutandis pursuant to paragraph (5) of that Article, the Documents, etc. or electronic or magnetic records in which the content of the information stated in the Documents, etc. (limited to documents or the copy thereof) is recorded are included) by the day of cancellation of the Basic Contract for a Revolving Credit Loan, or, among the final repayment due dates provided in all the contracts for Revolving Credit Loans under the Basic Contract for a Revolving Credit Loan, the latest date (in cases where all the claims under these contracts have extinguished upon performance or on any other grounds, the day on which the claims have extinguished), whichever comes later.
(個人過剰貸付契約から除かれる契約)
(Contracts Excluded from the Category of Excessive Loan Contract for an Individual Customer)
第十条の二十一 法第十三条の二第二項に規定する内閣府令で定める契約は、次に掲げる契約とする。
Article 10-21 (1) The reference, in Article 13-2, paragraph (2) of the Act, to contracts specified by Cabinet Office Order means:
一 不動産の建設若しくは購入に必要な資金(借地権の取得に必要な資金を含む。)又は不動産の改良に必要な資金の貸付けに係る契約
(i) loan contracts for funds necessary for building or purchasing real property (including funds necessary for the acquisition of land leasehold rights) or funds necessary for the improvement of real property;
二 自ら又は他の者により前号に掲げる契約に係る貸付けが行われるまでのつなぎとして行う貸付けに係る契約
(ii) loan contracts to be made as a stopgap until the Loan related to the contract set forth in the preceding item is made by the Money Lender itself or others;
三 自動車の購入に必要な資金の貸付けに係る契約のうち、当該自動車の所有権を貸金業者が取得し、又は当該自動車が譲渡により担保の目的となつているもの
(iii) among the loan contracts of funds necessary for the purchase of a vehicle, those in which the ownership of the relevant vehicle is acquired by the Money Lender or the relevant vehicle is the subject matter of the collateral upon the transfer thereof;
四 個人顧客又は当該個人顧客の親族で当該個人顧客と生計を一にする者の次のいずれかに掲げる療養費を支払うために必要な資金の貸付けに係る契約
(iv) loan contracts of funds necessary for the payment of any of the following medical care benefit for the Individual Customer or the relatives of the relevant Individual Customer that share the same livelihood with the Individual Customer;
イ 健康保険法(大正十一年法律第七十号)第百十五条第一項及び第百四十七条に規定する高額療養費
(a) the high cost medical care benefit as referred to in Article 115, paragraph (1) and Article 147 of the Health Insurance Act (Act No. 70 of 1922);
ロ 船員保険法(昭和十四年法律第七十三号)第三十一条ノ六第一項に規定する高額療養費
(b) the high cost medical care benefit as referred to in Article 31-6, paragraph (1) of the Mariners Insurance Act (Act No. 73 of 1939);
ハ 国家公務員共済組合法(昭和三十三年法律第百二十八号)第六十条の二第一項(私立学校教職員共済法(昭和二十八年法律第二百四十五号)第二十五条において準用する場合を含む。)に規定する高額療養費
(c) the high cost medical care benefit as referred to in Article 60-2, paragraph (1) of the National Public Officers Mutual Aid Association Act (Act No. 128 of 1958) (including the cases where it is applied mutatis mutandis pursuant to Article 25 of the Private School Personnel Mutual Aid Association Act (Act No. 245 of 1953));
ニ 国民健康保険法(昭和三十三年法律第百九十二号)第五十七条の二第一項に規定する高額療養費
(d) the high cost medical care benefit as referred to in Article 57-2, paragraph (1) of the National Health Insurance Act (Act No. 192 of 1958);
ホ 地方公務員等共済組合法(昭和三十七年法律第百五十二号)第六十二条の二第一項に規定する高額療養費
(e) the high cost medical care benefit as referred to in Article 62-2, paragraph (1) of the Local Public Officer, etc. Mutual Aid Association Act (Act No. 152 of 1962); and
ヘ 高齢者の医療の確保に関する法律(昭和五十七年法律第八十号)第八十四条第一項に規定する高額療養費
(f) the high cost medical care benefit as referred to in Article 84, paragraph (1) of the Act on Assurance of Medical Care for Elderly (Act No. 80 of 1982); and
五 金融商品取引法第二条第一項に規定する有価証券(同条第二項の規定により有価証券とみなされる権利を含む。)であつて、次に掲げるものを担保とする貸付けに係る契約(担保に供する当該有価証券の購入に必要な資金の貸付けに係る契約を含み、貸付けの金額が当該貸付けに係る契約の締結時における当該有価証券の時価の範囲内であるものに限る。)
(v) loan contracts secured on the securities prescribed in Article 2, paragraph (1) of the Financial Instruments and Exchange Act (including rights deemed to be securities pursuant to paragraph (2) of that Article) which are listed in the following sub-items (including loan contracts of funds necessary for purchasing the securities for collateral, and limited to those of which the amount of Loan is within the scope of market value of the relevant securities at the time of conclusion of the loan contract):
イ 金融商品取引法第二条第一項第一号から第三号まで、第十号又は第十一号に掲げる有価証券
(a) the securities set forth in Article 2, paragraph (1), items (i) through (iii), (x) or (xi) of the Financial Instruments and Exchange Act; or
ロ 金融商品取引法施行令(昭和四十年政令第三百二十一号)第二十七条の二各号に掲げる有価証券(金融商品取引法第二条第一項第十一号に掲げる有価証券及び当該有価証券に係るものを除く。)
(b) the securities set forth in the items of Article 27-2 of the Order for Enforcement of the Financial Instruments and Exchange Act (Cabinet Order No. 321 of 1965) (excluding the securities listed in Article 2, paragraph (1), item (xi) of the Financial Instruments and Exchange Act and those pertaining to the relevant securities);
六 不動産(借地権を含み、個人顧客若しくは担保を提供する者の居宅、居宅の用に供する土地若しくは借地権又は当該個人顧客若しくは担保を提供する者の生計を維持するために不可欠なものを除く。)を担保とする貸付けに係る契約であつて、当該個人顧客の返済能力を超えないと認められるもの(貸付けの金額が当該貸付けに係る契約の締結時における当該不動産の価格(鑑定評価額、公示価格、路線価、固定資産税評価額(地方税法(昭和二十五年法律第二百二十六号)第三百八十一条第一項又は第二項の規定により土地課税台帳又は土地補充課税台帳に登録されている価格をいう。)その他の資料に基づき合理的に算出した額をいう。以下この項及び次項において同じ。)の範囲内であるものに限る。)
(vi) loan contracts secured on real property (including land leasehold rights and excluding the residence, lands for the purpose of residence or land leasehold rights of the Individual Customer or persons that provide the collateral, or those indispensable for maintaining the livelihood of the relevant Individual Customer or persons that provide collateral), and which are found not to exceed the repayment capacity of the Individual Customer (limited to the loan contracts for which the amount of Loan is within the scope of Price of the Real Property (meaning appraised and estimated value, posted price, road ratings, Assessed Value of Fixed Assets Tax (meaning the price registered in the land tax ledger or supplemental land tax ledger pursuant to the provisions of Article 381, paragraph (1) or (2) of the Local Tax Act (Act No. 226 of 1950)) or amounts calculated in a reasonable manner based on any other materials; hereinafter the same applies in this paragraph and the following paragraph));
七 売却を予定している個人顧客の不動産(借地権を含む。)の売却代金により弁済される貸付けに係る契約であつて、当該個人顧客の返済能力を超えないと認められるもの(貸付けの金額が当該貸付けに係る契約の締結時における当該不動産の価格の範囲内であるものに限り、当該不動産を売却することにより当該個人顧客の生活に支障を来すと認められる場合を除く。)
(vii) loan contracts for which the performance will be made by the proceeds of the sale of the Individual Customer's real property (including land leasehold rights) planned for sale, which are found not to exceed the repayment capacity of the relevant Individual Customer (limited to loan contracts for which the amount of Loan is within the scope of the Price of the Real Property at the time of conclusion of the relevant loan contract, and excluding those found to impair the living of the Individual Customer after the sales of the real property); and
八 第一条の二の三第二号から第五号までに掲げる契約
(viii) the contracts set forth in Article 1-2-3, items (ii) through (v).
2 貸金業者は、前項第一号から第七号までに掲げる貸付けに係る契約を締結した場合には、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める書面若しくはその写し又はこれらに記載された情報の内容を記録した電磁的記録を、当該貸付けに係る契約に定められた最終の返済期日(当該貸付けに係る契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日(当該貸付けに係る契約が極度方式基本契約又は極度方式貸付けに係る契約である場合にあつては、当該極度方式基本契約の解除の日又は当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日))までの間保存しなければならない。
(2) In cases where a Money Lender has concluded the loan contracts set forth in items (i) through (vii) of the preceding paragraph, the Money Lender must preserve the documents specified in the following items for each of the categories of loan contracts listed in those items, or the copy thereof, or electronic or magnetic records in which the content of the information stated in the relevant documents is recorded, until the final repayment due date provided in the relevant loan contract (in cases where the claim under the loan contract has extinguished upon performance or on any other grounds, the day on which the claim extinguished (in cases where the loan contract is a Basic Contract for a Revolving Credit Loan or a contract for a Revolving Credit Loan, the day of cancellation of the Basic Contract for a Revolving Credit Loan, or, among the final repayment due dates provided in all the contracts for Revolving Credit Loans under the Basic Contract for a Revolving Credit Loan, the latest date (in cases where all the claims under these contracts have extinguished upon performance or on any other grounds, the day on which the claims have extinguished), whichever comes later)):
一 前項第一号又は第二号に掲げる貸付けに係る契約 不動産(借地権を含む。)の売買契約書又は建設工事の請負契約書その他の締結した契約がそれぞれ同項第一号又は第二号に掲げる契約に該当することを証明する書面
(i) the loan contracts set forth in item (i) or (ii) of the preceding paragraph: the written sales contract of the real property (including land leasehold rights) or the written contract for construction work or any other documents evidencing that the concluded contracts fall under the contracts set forth in item (i) or (ii) of the preceding paragraph respectively;
二 前項第三号に掲げる貸付けに係る契約 次に掲げる書面
(ii) the loan contracts set forth in item (iii) of the preceding paragraph: the following documents:
イ 当該自動車の売買契約書
(a) the written sales contract of the relevant vehicle; and
ロ 当該自動車の自動車検査証
(b) the vehicle registration card of the relevant vehicle; and
三 前項第四号に掲げる貸付けに係る契約 医療機関からの療養費の請求書又は見積書
(iii) the loan contracts set forth in item (iv) of the preceding paragraph: a bill or written estimate of the medical care benefit from a medical institution.
四 前項第五号に掲げる貸付けに係る契約 当該担保とする有価証券の種類、銘柄、数及び価額を記載した書面
(iv) the loan contracts set forth in item (v) of the preceding paragraph: documents stating the class, issue, volume and value of the securities which are the collateral;
五 前項第六号に掲げる貸付けに係る契約 次に掲げる書面
(v) the loan contracts set forth in item (vi) of the preceding paragraph: the following documents:
イ 当該不動産の価格の算出の根拠を記載した書面
(a) a document stating the grounds for calculation of the price of the relevant real property;
ロ 当該不動産の登記事項証明書
(b) the certificate of registered information of the relevant real property; and
ハ 担保権が実行された場合には、当該不動産が売却される可能性があることについての当該個人顧客又は担保を提供する者の同意書
(c) a written consent of the relevant Individual Customer or person that provides the collateral for the possibility of the sales of the relevant real property in cases where the security interest is exercised;
六 前項第七号に掲げる貸付けに係る契約 次に掲げる書面
(vi) the loan contracts set forth in item (vii) of the preceding paragraph: the following documents:
イ 当該不動産の価格の算出の根拠を記載した書面
(a) a document stating the grounds for calculation of the price of the relevant real property; and
ロ 当該不動産の売買契約書又は売買の媒介契約書
(b) a written sales contract of the relevant real property or written intermediary contract for the sales thereof;
第十条の二十一の二 貸金業者が特定非営利金融法人である場合にあつては、法第十三条の二第二項に規定する内閣府令で定める契約は、前条第一項各号に掲げる契約のほか、特定貸付契約とする。
Article 10-21-2 In cases where a Money Lender is a Specified Non-Profit Finance Corporation, the reference, in Article 13-2, paragraph (2) of the Act, to a contract specified by Cabinet Office Order means a Specified Loan Contract, beyond the contracts listed in the items of paragraph (1) of the preceding Article.
(年間の給与に類する定期的な収入の金額等)
(Amount of Regular Incomes Similar to Annual Salary)
第十条の二十二 法第十三条の二第二項に規定する年間の給与に類する定期的な収入の金額として内閣府令で定めるものは、次に掲げるものとする。
Article 10-22 (1) The reference, in Article 13-2, paragraph (2) of the Act, to an amount that Cabinet Office Order specifies as constituting an amount of regular income that is similar to an annual salary, means:
一 年間の年金の金額
(i) the annual amount of pension;
二 年間の恩給の金額
(ii) the annual amount of public officers pensions;
三 年間の定期的に受領する不動産の賃貸収入(事業として行う場合を除く。)の金額
(iii) the annual amount of the lease revenue (excluding cases where conducted as business) for real property to be received in the course of trade;
四 年間の事業所得の金額(過去の事業所得の状況に照らして安定的と認められるものに限る。)
(iv) the annual amount of business income (limited to one that is considered stable in light of the status of past business income);
2 法第十三条の二第二項に規定する年間の給与及びこれに類する定期的な収入の金額は、次に掲げる方法のいずれかにより算出するものとする。
(2) The amount of annual salary and regular income similar thereto which are referred to in Article 13-2, paragraph (2) of the Act are calculated in one of the following ways:
一 第十条の十七第一項に規定する書面等(同項第三号及び第十一号に掲げる書面に係るものを除く。)を用いて算出する方法
(i) by using the Documents, etc. prescribed in Article 10-17, paragraph (1) of the Act (excluding those related to the document set forth in items (iii) and (xi) of that paragraph);
二 第十条の十七第一項に規定する書面等(同項第三号に掲げる書面に係るものに限る。以下この条において同じ。)に記載されている直近の二月分以上の給与(賞与を除く。)の金額の一月当たりの平均金額に十二を乗じて算出する方法
(ii) by multiplying the average amount per month of the amount of salary (excluding bonuses) for the latest two months or more which is stated in the Documents, etc. prescribed in Article 10-17, paragraph (1) (limited to those related to the document set forth in item (iii) of that paragraph; hereinafter the same applies in this Article), by 12; or
三 第十条の十七第一項に規定する書面等に記載されている地方税額を基に合理的に算出する方法
(iii) by calculating these in a reasonable manner based on the amount of local tax stated in the Documents, etc. prescribed in Article 10-17, paragraph (1).
3 前項第二号に掲げる方法により年間の給与の金額を算出する場合において、第十条の十七第一項に規定する書面等によつて、過去一年以内の賞与の金額を確認したときは、当該賞与の金額を年間の給与の金額に含めることができる。
(3) In cases where the amount of annual salary is calculated by the method set forth in item (ii) of the preceding paragraph, and where the amount of bonus within the past one year is confirmed by the Documents, etc. prescribed in Article 10-17, paragraph (1), the amount of bonus is included in the amount of annual salary.
(個人顧客の利益の保護に支障を生ずることがない契約等)
(Contracts Which Will Not Hinder the Protection of the Interests of Individual Customers)
第十条の二十三 法第十三条の二第二項に規定する個人顧客の利益の保護に支障を生ずることがない契約として内閣府令で定めるものは、次に掲げるものとする。
Article 10-23 (1) The reference, in Article 13-2, paragraph (2) of the Act, to contracts that Cabinet Office Order specifies as not hindering the protection of the Individual Customer's interests, means:
一 債務を既に負担している個人顧客が当該債務を弁済するために必要な資金の貸付けに係る契約であつて、次に掲げるすべての要件に該当するもの
(i) loan contracts of funds necessary for the Individual Customer that already bear obligations to make the performance of the obligations, which satisfy all of the following requirements:
イ 当該貸付けに係る契約の一月の負担が当該債務に係る一月の負担を上回らないこと。
(a) that the monthly burden under the relevant loan contract does not exceed the monthly burden under the relevant obligation;
ロ 当該貸付けに係る契約の将来支払う返済金額の合計額と当該貸付けに係る契約の締結に関し当該個人顧客が負担する元本及び利息以外の金銭の合計額の合計額が当該債務に係る将来支払う返済金額の合計額を上回らないこと。
(b) that the total of the total repayment amount to be paid in the future under the relevant loan contract and the total amount of money other than the principal and interest to be borne by the relevant Individual Customer in relation to the conclusion of the loan contract does not exceed the total repayment amount to be paid in the future under the relevant obligation;
ハ 当該債務につき供されている物的担保以外の物的担保を供させないこと。
(c) that the relevant Individual Customer is not required to provide physical collateral beyond the physical collateral provided for the relevant obligation;
ニ 当該貸付けに係る契約に基づく債権につき物的担保を供させるときは、当該物的担保の条件が当該債務につき供されていた物的担保の条件に比して物的担保を供する者に不利にならないこと。
(d) that, when requiring the provision of physical collateral for claims under the relevant loan contract, the condition of the relevant physical collateral is not disadvantageous to the person that provides the physical collateral compared to the conditions of the physical collateral which had been provided for the relevant obligation;
ホ 当該債務に係る保証契約の保証人以外の者を当該貸付けに係る契約の保証契約の保証人としないこと。
(e) that no person other than the guarantor of the guarantee contract for the relevant obligation is made the guarantor of the guarantee contract for the relevant loan contract;
ヘ 当該貸付けに係る契約について保証契約を締結するときは、当該保証契約の条件が当該債務に係る保証契約の条件に比して保証人に不利にならないこと。
(f) that, when a guarantee contract is to be concluded for the relevant loan contract, the conditions of the relevant guarantee contract are not disadvantageous to the guarantor compared to the conditions of the guarantee contract for the relevant obligation;
一の二 債務を既に負担している個人顧客が当該債務を弁済するために必要な資金の貸付けに係る契約であつて、次に掲げるすべての要件に該当するもの
(i)-2 loan contracts of funds necessary for the Individual Customer that already bear obligations to make the performance of the obligations, which satisfy all of the following requirements:
イ 当該個人顧客が弁済する債務のすべてが、当該個人顧客が貸金業者と締結した貸付けに係る契約に基づき負担する債務であつて、貸金業者又は法第四十三条の規定により貸金業者とみなされる者(次項第一号の二ロにおいて「みなし貸金業者」という。)を債権者とするものであること。
(a) that all the obligations to be repaid by the Individual Customer are the obligations owed under the loan contract concluded between the Individual Customer and a Money Lender, and that the creditor of the relevant obligations is a Money Lender or person deemed to be a Money Lender under Article 43 of the Act (the creditor is referred to as a "Deemed Money Lender" in item (i)-2, sub-item (b) of the following paragraph);
ロ 当該貸付けに係る契約の貸付けの利率が、当該個人顧客が弁済する債務に係る貸付けに係る契約の貸付けの利率(当該個人顧客が弁済する債務に係る貸付けに係る契約が二以上ある場合は、弁済時における貸付けの残高(極度方式基本契約に基づく極度方式貸付けにあつては、当該極度方式基本契約に基づく極度方式貸付けの残高の合計額。ハにおいて同じ。)により加重平均した貸付けの利率)を上回らないこと。
(b) that the Loan Interest Rate under the loan contract does not exceed the Loan Interest Rate under the loan contract for the obligations to be repaid by the Individual Customer (in cases where there are two or more loan contracts for the obligations to be repaid by the Individual Customer, the Loan Interest Rate weight-averaged by the outstanding balance of the Loan (in cases of a Revolving Credit Loan under a Basic Contract for a Revolving Credit Loan, the total amount of outstanding balance of the Revolving Credit Loan under the relevant Basic Contract for a Revolving Credit Loan; the same applies in sub-item (c)) as of the time of repayment );
ハ 当該貸付けに係る契約に基づく定期の返済により、当該貸付けの残高が段階的に減少することが見込まれること。
(c) that the outstanding balance of the Loan is expected to decrease in a gradual manner, through the periodical repayments under the loan contract: and
ニ 前号イ及びハからへまでに掲げるすべての要件に該当すること。
(d) that all the requirements listed in sub-item (a) and sub-items (c) through (f) of the preceding item are satisfied;
二 個人顧客又は当該個人顧客の親族で当該個人顧客と生計を一にする者の緊急に必要と認められる医療費(所得税法第七十三条第二項に規定する医療費をいう。次項において同じ。)を支払うために必要な資金の貸付けに係る契約(第十条の二十一第一項第四号に掲げる契約を除く。)であつて、当該個人顧客の返済能力を超えないと認められるもの(当該個人顧客が現に当該貸付けに係る契約を締結していない場合に限る。)
(ii) loan contracts of funds necessary for the payment of Medical Expenses (meaning the medical expenses as prescribed in Article 73, paragraph (2) of the Income Tax Act; the same applies in the following paragraph) found to be in urgent necessity for the Individual Customer or the relative of the Individual Customer that share the same livelihood with the relevant Individual Customer (excluding contracts set forth in Article 10-21, paragraph (1), item (iv)), which are found not to exceed the repayment capacity of the relevant Individual Customer (limited to cases where the Individual Customer has not actually concluded the relevant loan contract);
二の二 個人顧客が特定費用を支払うために必要な資金の貸付けに係る契約として当該個人顧客と貸金業者の間に締結される契約であつて、次に掲げるすべての要件に該当するもの(以下「特定緊急貸付契約」という。)
(ii)-2 contracts concluded between the Individual Customer and a Money Lender as a loan contract for funds necessary for the Individual Customer to pay Specified Expenses, which satisfy all of the following requirements (hereinafter referred to as "Specified Urgent Loan Contract"):
イ 当該個人顧客の返済能力を超えない貸付けに係る契約であると認められること。
(a) that the contract is found to be a loan contract not to exceed the repayment capacity of the Individual Customer;
ロ 次に掲げる金額を合算した額(第十条の二十八第一項第一号ロにおいて「緊急個人顧客合算額」という。)が十万円を超えないこと。
(b) that the total of the following amounts (the total is referred to as "Total Urgent Borrowings of an Individual Customer" in Article 10-28, paragraph (1), item (i), sub-item (b)) does not exceed 100,000 yen:
(1) 当該特定緊急貸付契約に係る貸付けの金額(極度方式基本契約にあつては、極度額)
1. the amount of Loan under the Specified Urgent Loan Contract (in cases of a Basic Contract for a Revolving Credit Loan, the maximum amount);
(2) 当該個人顧客と当該特定緊急貸付契約以外の特定緊急貸付契約を締結しているときは、その貸付けの残高(極度方式基本契約にあつては、極度額)の合計額
2. in cases where any Specified Urgent Loan Contracts other than the relevant Specified Urgent Loan Contract are concluded with the Individual Customer, the total amount of the outstanding balance of the Loans (in cases of a Basic Contract for a Revolving Credit Loan, the maximum amount); and
(3) 指定信用情報機関から提供を受けた信用情報により判明した当該個人顧客に対する当該貸金業者以外の貸金業者の特定緊急貸付契約に係る貸付けの残高の合計額
3. the total amount of the outstanding balance of the Loans made under Specified Urgent Loan Contracts by Money Lenders other than the relevant Money Lender to the Individual Customer, which were found based on the Credit Information provided by a Designated Credit Bureau;
ハ 返済期間(極度方式基本契約にあつては、当該極度方式基本契約に基づく極度方式貸付けの返済期間)が三月を超えないこと。
(c) that the repayment period (in cases of a Basic Contract for a Revolving Credit Loan, the repayment period of the Revolving Credit Loan under the relevant Basic Contract for a Revolving Credit Loan) does not exceed three months;
三 個人顧客を相手方とする貸付けに係る契約であつて、当該個人顧客に係る個人顧客合算額(法第十三条の二第二項に規定する個人顧客合算額をいう。以下この条において同じ。)と当該個人顧客の配偶者に係る個人顧客合算額を合算した額が、当該個人顧客に係る基準額(法第十三条の二第二項に規定する当該個人顧客に係る基準額をいう。以下この条及び第十条の二十八において同じ。)と当該個人顧客の配偶者に係る基準額(当該個人顧客の配偶者を当該個人顧客とみなして法第十三条の二第二項の規定を適用した場合における同項に規定する当該個人顧客に係る基準額をいう。以下この条及び第十条の二十八において同じ。)を合算した額を超えないもの(当該貸付けに係る契約を締結することについて当該個人顧客の配偶者の同意がある場合に限る。)
(iii) loan contracts to be concluded with an Individual Customer in which the total of the Total Borrowings of an Individual Customer (meaning the Total Borrowings of an Individual Customer defined in Article 13-2, paragraph (2) of the Act; hereinafter the same applies in this Article) pertaining to the relevant Individual Customer and the Total Borrowings of an Individual Customer pertaining to the Spouse of the Individual Customer does not exceed the total of the Base Amount for the Individual Customer (meaning the Base Amount for the Individual Customer as prescribed in Article 13-2, paragraph (2) of the Act; hereinafter the same applies in this Article and Article 10-28) and the Base Amount for the Spouse of the Individual Customer (meaning the Base Amount for the Individual Customer as prescribed in Article 13-2, paragraph (2) of the Act in cases where that paragraph is applied by deeming the Spouse of the Individual Customer as the Individual Customer; hereinafter the same applies in this Article and Article 10-28) (limited to cases where the consent of the Spouse of the Individual Customer is obtained for the conclusion of the relevant contract);
四 事業を営む個人顧客に対する貸付けに係る契約であつて、次に掲げるすべての要件に該当するもの
(iv) loan contracts made to an Individual Customer engaged in business, which satisfy all of the following requirements:
イ 実地調査、当該個人顧客の直近の確定申告書の確認その他の方法により当該事業の実態が確認されていること。
(a) that the actual conditions of the relevant business are confirmed by an on-the-spot investigation, confirmation on the relevant Individual Customer's latest final returns or by any other method; and
ロ 当該個人顧客の事業計画、収支計画及び資金計画(この号に掲げる契約に係る貸付けの金額が百万円を超えないものであるときは、当該個人顧客の営む事業の状況、収支の状況及び資金繰りの状況。以下同じ。)に照らし、当該個人顧客の返済能力を超えない貸付けに係る契約であると認められること。
(b) that the loan contract is found to be one which does not exceed the repayment capacity of the relevant Individual Customer in light of the business plan, earnings and expenditure plan, and financial plan of the relevant Individual Customer (in cases where the amount of Loan under the contract prescribed in this item does not exceed 1,000,000 yen, the business status, status of income and expenditure, and status of cash flow of the Individual Customer; the same applies hereinafter).
五 現に事業を営んでいない個人顧客に対する新たな事業を行うために必要な資金の貸付けに係る契約であつて、次に掲げるすべての要件に該当するもの
(v) loan contracts of funds necessary for an Individual Customer that is not currently engaged in business to newly conduct business, which satisfy all of the following requirements:
イ 事業計画、収支計画及び資金計画の確認その他の方法により確実に当該事業の用に供するための資金の貸付けであると認められること。
(a) that the loan contract is found to be the Loan of funds surely to be used for the relevant business from the business plan, earnings and expenditure plan and financial plans;
ロ 当該個人顧客の事業計画、収支計画及び資金計画に照らし、当該個人顧客の返済能力を超えない貸付けに係る契約であると認められること。
(b) that the loan contract is found to be one which does not exceed the repayment capacity of the relevant Individual Customer in light of the business plan, earnings and expenditure plan, and financial plan of the relevant Individual Customer.
六 金融機関(預金保険法(昭和四十六年法律第三十四号)第二条第一項に規定する金融機関をいう。)からの貸付け(イ及び次項第六号において「正規貸付け」という。)が行われるまでのつなぎとして行う貸付けに係る契約(極度方式基本契約を除く。)であつて、次に掲げるすべての要件に該当するもの
(vi) loan contracts (excluding a Basic Contract for a Revolving Credit Loan) to be made as a stopgap until the Loan is made by a financial institution (meaning the financial institution prescribed in Article 2, paragraph (1) of the Deposit Insurance Act (Act No. 34 of 1971)) (the relevant Loan is referred to as a "Regular Loan" in sub-item (a) and item (vi) of the following paragraph), which satisfy all of the following requirements:
イ 正規貸付けが行われることが確実であると認められること。
(a) that it is found to be certain that a Regular Loan will be made; and
ロ 返済期間が一月を超えないこと。
(b) that the repayment period does not exceed one month.
2 貸金業者は、前項各号に掲げる貸付けに係る契約を締結した場合には、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める書面若しくはその写し又はこれらに記載された情報の内容を記録した電磁的記録を、当該貸付けに係る契約に定められた最終の返済期日(当該貸付けに係る契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日(当該貸付けに係る契約が極度方式基本契約である場合にあつては、当該極度方式基本契約の解除の日又は当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日))までの間保存しなければならない。
(2) In cases where a Money Lender has concluded the loan contracts set forth in the items of the preceding paragraph, the Money Lender must preserve the documents specified in the following items for each of the categories of loan contracts listed in those items, or the copy thereof, or electronic or magnetic records in which the content of the information stated in the relevant documents is recorded, until the final repayment due date provided in the relevant loan contract (in cases where the claim under the loan contract has extinguished upon performance or on any other grounds, the day on which the claim extinguished (in cases where the loan contract is a Basic Contract for a Revolving Credit Loan, the day of cancellation of the Basic Contract for a Revolving Credit Loan, or, among the final repayment due dates provided in all the contracts for Revolving Credit Loans under the Basic Contract for a Revolving Credit Loan, the latest date (in cases where all the claims under these contracts have extinguished upon performance or on any other grounds, the day on which the claims have extinguished), whichever comes later)):
一 前項第一号に掲げる貸付けに係る契約 次に掲げる事項を記載した書面
(i) the loan contract set forth in item (i) of the preceding paragraph: the document stating the following matters:
イ 当該貸付けに係る契約に係る将来支払う返済金額の合計額
(a) the total repayment amount to be paid in the future under the relevant loan contract;
ロ 当該個人顧客が既に負担している債務の残高、当該債務に係る各回の返済金額及び将来支払う返済金額の合計額
(b) the outstanding balance of the obligations already borne by the relevant Individual Customer, each repayment amount under the obligation, and the total repayment amount to be paid in the future;
ハ 当該貸付けに係る契約に基づく債権について物的担保を供させるときは、当該個人顧客が既に負担している債務につき供されている物的担保の内容
(c) in cases where requiring the provision of physical collateral for the claims under the relevant loan contract, the details of the physical collateral which has been provided for the obligation already borne by the relevant Individual Customer; and
ニ 当該貸付けに係る契約について保証契約を締結するときは、当該個人顧客が既に負担している債務に係る保証契約の内容
(d) in cases where a guarantee contract is to be concluded for the relevant loan contract, the contents of the guarantee contract for the obligation already borne by the relevant Individual Customer;
一の二 前項第一号の二に掲げる貸付けに係る契約 次に掲げる事項を記載した書面
(i)-2 the loan contracts set forth in item (i)-2 of the preceding paragraph: the document stating the following matters:
イ 当該貸付けに係る契約の貸付けの利率
(a) the Loan Interest Rate for the loan contract;
ロ 当該個人顧客が弁済する債務に係る貸付けの残高、貸付けの利率、債権者の商号、名称又は氏名及び債権者が貸金業者であるかみなし貸金業者であるかの別
(b) the outstanding balance of the obligations to be repaid by the Individual Customer, Loan Interest Rate, trade name or name of the creditor, and whether the creditor is a Money Lender or Deemed Money Lender;
ハ 弁済する債務の存在について調査を行つた年月日、方法及び結果
(c) the date, methods and results of the investigation with regard to the existence of obligations to be repaid;
ニ 当該貸付けに係る契約の返済期間及び返済回数
(d) the repayment period and the number of repayment installments under the loan contract;
ホ 当該貸付けに係る契約に基づく各回の返済金額のうち元本の返済に充てられる金額
(e) an amount allocated to the repayment of the principal, among the amount of each repayment installment under the loan contract;
ヘ 当該貸付けに係る契約に基づく債権について物的担保を供させるときは、当該個人顧客が既に負担している債務につき供されている物的担保の内容
(f) in cases where requiring the provision of physical collateral for the claims under the relevant loan contract, the details of the physical collateral which has been provided for the obligation already borne by the relevant Individual Customer;
ト 当該貸付けに係る契約について保証契約を締結するときは、当該個人顧客が既に負担している債務に係る保証契約の内容
(g) in cases where a guarantee contract is to be concluded for the relevant loan contract, the contents of the guarantee contract for the obligation already borne by the relevant Individual Customer;
二 前項第二号に掲げる貸付けに係る契約 医療機関からの医療費の請求書又は見積書
(ii) the loan contracts set forth in item (ii) of the preceding paragraph: a bill or written estimate of the medical care benefit from a medical institution;
二の二 特定緊急貸付契約 次に掲げる書面
(ii)-2 Specified Urgent Loan Contracts: the following documents;
イ 前項第二号の二ロ(3)に掲げる額を確認するために使用した指定信用情報機関から提供を受けた信用情報の内容を記載した書面
(a) a document stating the content of the Credit Information which was provided by a Designated Credit Bureau and used to verify the amount prescribed in item (ii)-2, sub-item (b) 3;
ロ 次の(1)又は(2)に掲げる費用の区分に応じ、当該(1)又は(2)に定める書面
(b) the document set forth in 1 or 2 below, according to the categories of expenses listed in each of 1 and 2 below:
(1) 第四項第一号に掲げる費用 当該特定緊急貸付契約に係る金銭の受渡しが外国において行われたことを疎明する書面
1. the expenses set forth in paragraph (4), item (i): the document which makes prima facie showing of the fact that the delivery of the money under the relevant Specified Urgent Loan Contract was made in a foreign state; or
(2) 第四項第二号に掲げる費用 当該費用の支払に係る領収書その他資金の使途を確認することができる書面
2. the expenses set forth in paragraph (4), item (ii): the receipt for the payment of the relevant expenses and other documents by which the purpose of use of the funds can be confirmed;
三 前項第三号に掲げる貸付けに係る契約 次に掲げる書面
(iii) the loan contracts set forth in item (iii) of the preceding paragraph: the following documents:
イ 当該個人顧客と配偶者との身分関係を証明する市町村長(特別区の区長を含むものとし、地方自治法(昭和二十二年法律第六十七号)第二百五十二条の十九第一項の指定都市にあつては、区長又は総合区長とする。)の証明書若しくは戸籍の抄本又は事実上婚姻関係と同様の事情にあることを証明する書面
(a) the certificate from the mayor of municipality (including the head of the special ward, and in cases of designated cities defined in Article 252-19, paragraph (1) of the Local Autonomy Act (Act No. 67 of 1947), the head of the ward or administratively consolidated ward) certifying the family relationship between the relevant Individual Customer and the spouse thereof; or an extract of the family register or a document evidencing that the relevant Individual Customer and the spouse thereof have not yet registered their marriage, but whose involvement is the same as a marital relationship for all practical purposes; and
ロ 当該契約を締結することについての当該個人顧客の配偶者の同意書
(b) a written consent of the Spouse of the Individual Customer for the conclusion of the relevant contract;
四 前項第四号に掲げる貸付けに係る契約 次に掲げる書面
(iv) the loan contracts set forth in item (iv) of the preceding paragraph: the following documents:
イ 第十条の十七第一項第四号の確定申告書、同項第五号の青色申告決算書、同項第六号の収支内訳書又は同項第七号の納税通知書その他の当該個人顧客の営む事業の実態を確認したことを証明する書面
(a) the final return set forth in Article 10-17, paragraph (1), item (iv), financial statement for blue return set forth in item (v) of that paragraph, statement of earnings and expenses set forth in item (vi) of that paragraph, notification of tax set forth in item (vii) of that paragraph, or any other documents evidencing the confirmation of the actual condition of the business performed by the relevant Individual Customer;
ロ 当該個人顧客の事業計画、収支計画及び資金計画その他当該個人顧客の返済能力を超えない貸付けであると認められる理由を記載した書面
(b) the business plan, earnings and expenditure plan, and financial plan of the relevant Individual Customer and other documents stating the reasons for finding the relevant loan contract to be a Loan that does not exceed the repayment capacity of the relevant Individual Customer;
五 前項第五号に掲げる貸付けに係る契約 当該個人顧客の事業計画、収支計画及び資金計画その他当該個人顧客の返済能力を超えない貸付けであると認められる理由を記載した書面
(v) the loan contracts set forth in item (v) of the preceding paragraph: the business plan, earnings and expenditure plan, and financial plan of the relevant Individual Customer and a document stating the reasons for finding the relevant loan contract to be a Loan that does not exceeds the repayment capacity of the relevant Individual Customer;
六 前項第六号に掲げる貸付けに係る契約 次に掲げる書面のいずれか
(vi) the loan contracts set forth in item (vi) of the preceding paragraph: any one of the following documents:
イ 正規貸付けが行われることが確実であることが確認できる書面(正規貸付けを行う者が発行したものに限る。)
(a) a document by which the fact that it is certain that a Regular Loan will be made can be confirmed (limited to one issued by the person who will make the Regular Loan); or
ロ 貸金業者が正規貸付けを行う者に対して行つた当該正規貸付けが行われることが確実であることについての照会の結果を記載した書面
(b) a document stating the result of the inquiry made by a Money Lender to the person who will make the Regular Loan with regard to the fact that it is certain that the Regular Loan will be made.
3 貸金業者は、第一項第三号に掲げる契約を締結している個人顧客の配偶者を相手方とする貸付けに係る契約(第十条の二十一第一項各号に掲げる契約及び極度方式貸付けに係る契約を除く。)であつて、当該個人顧客の配偶者に係る個人顧客合算額と当該個人顧客に係る個人顧客合算額から当該個人顧客に係る基準額を控除した額(当該額が零を下回る場合にあつては、零とする。)を合算した額が、当該個人顧客の配偶者に係る基準額を超えることとなるもの(第一項各号に掲げるものを除く。)を締結してはならない。
(3) A Money Lender must not conclude a loan contract (excluding the contracts set forth in the items of Article 10-21, paragraph (1) and a contract for a Revolving Credit Loan) made to the Spouse of the Individual Customer with whom the Money Lender has concluded the contract set forth in paragraph (1), item (iii), in which the total of the Total Borrowings of an Individual Customer pertaining to the Spouse of the Individual Customer and the amount obtained by deducting the Base Amount for the relevant Individual Customer from the Total Borrowings of an Individual Customer pertaining to the relevant Individual Customer (in cases where the amount is less than zero, it is deemed to be zero) exceeds the Base Amount for the Spouse of the Individual Customer (excluding the loan contracts set forth in the items of paragraph (1)).
4 第一項第二号の二、次項及び第十条の二十八第一項第一号の「特定費用」とは、次に掲げる費用をいう。
(4) The term "Specified Expenses" as used in paragraph (1), item (ii)-2, the following paragraph and Article 10-28, paragraph (1), item (i) means the following expenses:
一 外国において緊急に必要となつた費用
(i) expenses that become urgently necessary in a foreign state; and
二 前号に掲げるもののほか、社会通念上緊急に必要と認められる費用
(ii) expenses that are found to be urgently necessary in light of socially accepted conventions, beyond what is listed in the preceding item.
5 特定緊急貸付契約に係る特定費用が前項第一号に掲げる費用である場合にあつては、当該特定緊急貸付契約に係る金銭の受渡しは、外国において行われるものでなければならない。
(5) In cases where the Specified Expenses under a Specified Urgent Loan Contract are the expenses listed in item (i) of the preceding paragraph, the delivery of the money under the relevant Specified Urgent Loan Contract must take place in a foreign state.
(基準額超過極度方式基本契約に係る調査の要件等)
(Requirements for the Investigation concerning the Basic Contract for a Revolving Credit Loan Exceeding the Base Amount)
第十条の二十四 法第十三条の三第一項に規定する内閣府令で定める要件は、次に掲げる基準のいずれかを満たすこととする。
Article 10-24 (1) The reference, in Article 13-3, paragraph (1) of the Act, to the requirement specified by Cabinet Office Order means that any of the following criteria have been met:
一 極度方式基本契約(第一条の二の三第三号若しくは第四号に掲げる金銭の貸付けに係る契約若しくは同条第五号に掲げる金銭の貸借の媒介に係る契約又は第十条の二十一第一項第五号から第七号までに掲げる貸付けに係る契約を除く。)の契約期間を当該極度方式基本契約を締結した日から同日以後一月以内の一定の期日までの期間及び当該一定の期日の翌日以後一月ごとの期間に区分したそれぞれの期間において、当該期間内に行つた当該極度方式基本契約に基づく極度方式貸付けの金額(当該極度方式基本契約の相手方である個人顧客と締結している当該極度方式基本契約以外の極度方式基本契約に基づく極度方式貸付けの金額を含む。)の合計額が五万円(当該極度方式基本契約が特定緊急貸付契約である場合にあつては、零とする。)を超え、かつ、当該期間の末日における当該極度方式基本契約に基づく極度方式貸付けの残高(当該極度方式基本契約の相手方である個人顧客と締結している当該極度方式基本契約以外の極度方式基本契約に基づく極度方式貸付けの残高を含む。)の合計額が十万円(当該極度方式基本契約が特定緊急貸付契約である場合にあつては、零とする。)を超えること。
(i) that, in cases where the contract period of the Basic Contract for a Revolving Credit Loan (excluding contracts of money loan set forth in Article 1-2-3, item (iii) or (iv) or money brokerage agreements as set forth in item (v) of that Article, or loan contracts set forth in Article 10-21, paragraph (1), items (v) through (vii)) is divided in to a period from the day of conclusion of the relevant Basic Contract for a Revolving Credit Loan until a certain date which is within one month after that day of conclusion, and one month periods from the day following the relevant certain date, the total amount of Revolving Credit Loan made under the Basic Contract for a Revolving Credit Loan (including the amount of Revolving Credit Loan under a Basic Contract for a Revolving Credit Loan other than the first-mentioned Basic Contract for a Revolving Credit Loan, which is concluded with the Individual Customer that is the counterparty to the first-mentioned Basic Contract for a Revolving Credit Loan) within the period exceeds 50,000 yen (in cases where the relevant Basic Contract for a Revolving Credit Loan is a Specified Urgent Loan Contract, it is deemed to be zero), and the total amount of outstanding balance of the Revolving Credit Loan under the relevant Basic Contract for a Revolving Credit Loan (including the outstanding balance of Revolving Credit Loan under a Basic Contract for a Revolving Credit Loan other than the first-mentioned Basic Contract for a Revolving Credit Loan, which is concluded with the Individual Customer that is the counterparty to the first-mentioned Basic Contract for a Revolving Credit Loan) as of the last day of the period exceeds 100,000 yen (in cases where the relevant Basic Contract for a Revolving Credit Loan is a Specified Urgent Loan Contract, it is deemed to be zero); or
二 第十条の二十五第三項第三号の措置又は第十条の二十八第四項第二号若しくは第十条の二十九第二号に掲げる措置を解除しようとする場合であること。
(ii) that the measures set forth in Article 10-25, paragraph (3), item (iii), or Article 10-28, paragraph (4), item (ii) or Article 10-29, item (ii) are to be cancelled.
2 前項第一号に掲げる基準を満たした場合には、貸金業者は、同号に規定する期間の末日から三週間を経過する日までに、指定信用情報機関に個人信用情報の提供の依頼をしなければならない。
(2) In cases where the requirement set forth in item (i) of the preceding paragraph has been satisfied, a Money Lender must request a Designated Credit Bureau to provide Personal Credit Information by the day on which three weeks have elapsed from the last day of the period set forth in that item.
第十条の二十四の二 貸金業者が特定非営利金融法人である場合における前条第一項第一号の規定の適用については、同号中「第一条の二の三第三号若しくは第四号に掲げる金銭の貸付けに係る契約若しくは同条第五号に掲げる金銭の貸借の媒介に係る契約又は第十条の二十一第一項第五号から第七号までに掲げる貸付けに係る契約」とあるのは、「第一条の二の三第三号若しくは第四号に掲げる金銭の貸付けに係る契約若しくは同条第五号に掲げる金銭の貸借の媒介に係る契約、第十条の二十一第一項第五号から第七号までに掲げる貸付けに係る契約又は特定貸付契約」とする。
Article 10-24-2 With regard to the application of paragraph (1), item (i) of the preceding Article when a Money Lender is a Specified Non-Profit Finance Corporation, the phrase "contracts of money loan set forth in Article 1-2-3, item (iii) or (iv) or money brokerage agreements as set forth in item (v) of that Article, or loan contracts set forth in Article 10-21, paragraph (1), items (v) through (vii) " is deemed to be replaced with the phrase "contracts of money loan set forth in Article 1-2-3, item (iii) or (iv) or money brokerage agreements as set forth in item (v) of that Article, loan contracts set forth in Article 10-21, paragraph (1), items (v) through (vii), or Specified Loan Contracts."
(極度方式基本契約に係る定期的な調査)
(Regular Investigation on Basic Contract for a Revolving Credit Loan)
第十条の二十五 法第十三条の三第二項に規定する内閣府令で定める期間は、三月以内とする。
Article 10-25 (1) The reference, in Article 13-3, paragraph (2) of the Act, to the period specified by Cabinet Office Order means within three months.
2 貸金業者は、前項に規定する期間の末日から三週間を経過する日までに、指定信用情報機関に個人信用情報の提供の依頼をしなければならない。
(2) A Money Lender must request a Designated Credit Bureau to provide Personal Credit Information by the day on which three weeks have elapsed from the last day of the period prescribed in the preceding paragraph.
3 法第十三条の三第二項ただし書に規定する内閣府令で定める場合は、次に掲げる場合とする。
(3) The reference, in the proviso to Article 13-3, paragraph (2) of the Act, to cases specified by Cabinet Office Order means:
一 第一項に規定する期間の末日における当該極度方式基本契約に基づく極度方式貸付けの残高(当該極度方式基本契約の相手方である個人顧客と締結している当該極度方式基本契約以外の極度方式基本契約に基づく極度方式貸付けの残高を含む。)の合計額が十万円以下である場合
(i) cases where the total outstanding balance of the Revolving Credit Loan under the relevant Basic Contract for a Revolving Credit Loan (including the outstanding balance of the Revolving Credit Loan under a Basic Contract for a Revolving Credit Loan other than the first-mentioned Basic Contract for a Revolving Credit Loan, which is concluded with the Individual Customer that is the counterparty to the first-mentioned Basic Contract for a Revolving Credit Loan) as of the last day of the period set forth in paragraph (1) is 100,000 yen or less;
二 第一項に規定する期間の末日において当該極度方式基本契約について第十条の二十八第四項第二号又は第十条の二十九第二号に掲げる措置が講じられている場合
(ii) cases where the measures set forth in Article 10-28, paragraph (4), item (ii) or Article 10-29, item (ii) have been taken for the relevant Basic Contract for a Revolving Credit Loan as of the last day of the period set forth in paragraph (1);
三 第一項に規定する期間の末日において、次に掲げるいずれかの理由により、当該極度方式基本契約に基づく新たな極度方式貸付けの停止に係る措置が講じられている場合
(iii) cases where the measures to suspend new Revolving Credit Loans under the relevant Basic Contract for a Revolving Credit Loan have been taken on any of the following grounds as of the last day of the period set forth in paragraph (1):
イ 元本又は利息の支払の遅延
(a) delay in payment of principal or interest; or
ロ イに掲げるもののほか、合理的な理由(当該措置を講じた旨、その年月日及び当該理由が法第十九条の帳簿に第十六条第一項第七号に掲げる事項として記載されている場合に限る。)
(b) any reasonable grounds other than that listed in sub-item (a) (limited to cases where the fact that the measures have been taken, date thereof, and the relevant grounds are stated in the books prescribed in Article 19 of the Act as the matters listed in Article 16, paragraph (1), item (vii)); and
四 当該極度方式基本契約が、第一条の二の三第三号若しくは第四号に掲げる金銭の貸付けに係る契約若しくは同条第五号に掲げる金銭の貸借の媒介に係る契約又は第十条の二十一第一項第五号から第七号までに掲げる貸付けに係る契約である場合
(iv) cases where the Basic Contract for a Revolving Credit Loan is a contract for a money loan as set forth in Article 1-2-3, item (iii) or (iv) or a money brokerage agreement as set forth in item (v) of that Article, or a loan contract set forth in Article 10-21, paragraph (1), items (v) through (vii).
第十条の二十五の二 貸金業者が特定非営利金融法人である場合における前条第三項第四号の規定の適用については、同号中「第一条の二の三第三号若しくは第四号に掲げる金銭の貸付けに係る契約若しくは同条第五号に掲げる金銭の貸借の媒介に係る契約又は第十条の二十一第一項第五号から第七号までに掲げる貸付けに係る契約」とあるのは、「第一条の二の三第三号若しくは第四号に掲げる金銭の貸付けに係る契約若しくは同条第五号に掲げる金銭の貸借の媒介に係る契約、第十条の二十一第一項第五号から第七号までに掲げる貸付けに係る契約又は特定貸付契約」とする。
Article 10-25-2 With regard to the application of paragraph (3), item (iv) of the preceding Article when a Money Lender is a Specified Non-Profit Finance Corporation, the phrase "a contract for a money loan as set forth in Article 1-2-3, item (iii) or (iv) or a money brokerage agreement as set forth in item (v) of that Article, or a loan contract set forth in Article 10-21, paragraph (1), items (v) through (vii) " is deemed to be replaced with the phrase "a contract of money loan set forth in Article 1-2-3, item (iii) or (iv) or a money brokerage agreement as set forth in item (v) of that Article, a loan contract set forth in Article 10-21, paragraph (1), items (v) through (vii), or Specified Loan Contracts."
(極度方式基本契約に係る定期的な調査等における資力を明らかにする事項を記載した書面等)
(Documents Stating the Matters That Disclose the Financial Resources In Regard to the Regular Investigation on the Basic Contract for a Revolving Credit Loan)
第十条の二十六 貸金業者は、法第十三条の三第三項本文の規定により、同条第一項又は第二項の規定による調査において、個人顧客から第十条の十七第一項に規定する書面等の提出又は提供を受ける場合には、当該個人顧客に係る法第十三条の三第五項に規定する極度方式個人顧客合算額が百万円を超えると知つた日から一月以内に当該書面等の提出又は提供を受けなければならない。
Article 10-26 (1) Pursuant to the main clause of Article 13-3, paragraph (3) of the Act, in cases where the Money Lender is to be submitted or provided with the Documents, etc. set forth in Article 10-17, paragraph (1) by an Individual Customer in regard to the investigation under Article 13-3, paragraph (1) or (2) of the Act, the Money Lender must be submitted or provided with the relevant Documents, etc. within one month from the day on which it came to know that the Total Borrowings of an Individual Customer under a Revolving Credit Loan prescribed in Article 13-3, paragraph (5) of the Act pertaining to the relevant Individual Customer will exceed one million yen.
2 法第十三条の三第三項ただし書に規定する内閣府令で定めるものは、第十条の十七第一項各号に掲げる書面(同項第一号から第八号まで及び第十号に掲げる書面並びに同項第十一号に掲げる書面(同項第一号から第八号まで及び第十号に係るものに限る。)にあつては、過去三年以内に発行(同項第四号から第六号までに掲げる書面及び同項第十一号に掲げる書面(同項第四号から第六号までに係るものに限る。)が法令で定める期間内に提出がされている場合にあつては、当該提出。以下この項において同じ。)がされたもの(貸金業者が、当該書面等が発行された日から起算して二年を経過した日以後一年以内に当該個人顧客の勤務先(同項第十一号に掲げる書面に係るものにあつては、当該個人顧客の配偶者の勤務先)に変更がないことを確認した場合には、過去五年以内に発行がされたもの)に限る。)又はその写し(当該書面に代えて電磁的記録の作成がされている場合における当該電磁的記録を含む。以下この項において「書面等」という。)とする。ただし、当該期間内に当該個人顧客の勤務先に変更があつた場合その他当該書面等が明らかにする当該個人顧客の資力に変更があつたと認められる場合には、当該変更後の資力を明らかにするものに限る。
(2) The reference, in the proviso to Article 13-3, paragraph (3) of the Act, to documents or electronic or magnetic records as specified by Cabinet Office Order means the documents set forth in the items of Article 10-17, paragraph (1) (with regard to the documents set forth in items (i) through (viii) and item (x) of that paragraph and the documents set forth in item (xi) of that paragraph (limited to those pertaining to items (i) through (viii) and (x) of that paragraph), limited to those issued (in cases where the documents set forth in items (iv) through (vi) of that paragraph and the documents set forth in item (xi) of that paragraph (limited to those pertaining to items (iv) through (vi) of that paragraph) were submitted within the period prescribed in laws and regulations, those submitted; hereinafter the same applies in this paragraph) within the past three years (in cases where the Money Lender has confirmed what there were no changes to the work of place of the relevant Individual Customer (in cases of documents related to the documents set forth in item (xi) of that paragraph, the work of place of the spouse of the Individual Customer) within one year after the day on which two years have elapsed from the day when the relevant documents or copies were issued, the documents issued within the past five years)) or the copy thereof (in cases where an electronic or magnetic record is prepared in lieu of such a document, such an electronic or magnetic record is included; hereinafter collectively referred to as "documents or copies" in this paragraph); provided, however, that, in cases where there were changes to the place of work of the Individual Customer, or to the financial resources of the relevant Individual Customer which are disclosed by the documents or copies within the relevant period, limited to documents or copies disclosing the financial resources after the change.
3 前項ただし書の規定にかかわらず、当該個人顧客(第十条の十七第一項第十一号に掲げる書面に係るものにあつては、当該個人顧客の配偶者)が次に掲げる要件のいずれにも該当する場合には、同項本文に規定する書面等を用いることができる。
(3) Notwithstanding the provisions of the proviso to the preceding paragraph, in cases where the relevant Individual Customer (in cases of those related to the documents set forth in Article 10-17, paragraph (1), item (xi), the Spouse of the Individual Customer) satisfy all of the following requirements, the Documents, etc. prescribed in the main clause of that paragraph may be used:
一 変更後の勤務先が確認されていること。
(i) that the work of place after the change is confirmed; and
二 変更後の勤務先で二月分以上の給与の支払を受けていないこと。
(ii) that the Individual Customer has not been paid salary for two months or more from the work of place after the change.
(極度方式基本契約に係る定期的な調査等における返済能力の調査に関する記録の作成等)
(Preparation of Records of the Investigation on the Repayment Capacity In Regard to the Regular Investigation on the Basic Contract for a Revolving Credit Loan)
第十条の二十七 法第十三条の三第四項の規定により、貸金業者は、個人顧客ごとに、次に掲げる事項の記録を作成しなければならない。
Article 10-27 (1) Pursuant to the provisions of Article 13-3, paragraph (4) of the Act, a Money Lender must prepare a record on the following matters for each Individual Customer:
一 法第十三条の三第一項及び第二項の規定による調査を行つた年月日
(i) the date on which the investigation under Article 13-3, paragraphs (1) and (2) of the Act has been made;
二 当該個人顧客から第十条の十七第一項又は前条第二項に規定する書面等の提出又は提供を受けた年月日
(ii) the date on which the Money Lender was submitted or provided with the Documents, etc. prescribed in Article 10-17, paragraph (1), or paragraph (2) of the preceding Article from the relevant Individual Customer;
三 当該個人顧客の資力に関する調査の結果
(iii) the results of the investigation on the relevant Individual Customer's financial resource;
四 当該個人顧客の借入れの状況に関する調査の結果(法第十三条の三第一項及び第二項の規定により、指定信用情報機関が保有する信用情報を使用して行つた調査の結果を含む。)
(iv) the results of the investigation on the situation of borrowings of the relevant Individual Customer (including the results of the investigation made by using the Credit Information held by a Designated Credit Bureau, pursuant to the provisions of Article 13-3, paragraphs (1) and (2) of the Act); and
五 その他法第十三条の三第一項及び第二項の規定による調査に使用した書面又はその写し
(v) any other documents used for the investigation under Article 13-3, paragraphs (1) and (2) of the Act or the copy thereof.
2 貸金業者は、前項に規定する記録(法第十三条の三第三項の規定により前条第一項に規定する書面等の提出又は提供を受けたときは、当該書面等又は当該書面等(書面又はその写しに該当するものに限る。)に記載された情報の内容を記録した電磁的記録を含む。)をその作成後三年間保存しなければならない。
(2) A Money Lender must preserve the record set forth in the preceding paragraph (in cases where the Money Lender has been submitted or provided with the Documents, etc. prescribed in paragraph (1) of the preceding Article pursuant to the provisions of Article 13-3, paragraph (3) of the Act, the Documents, etc. or electronic or magnetic records in which the content of the information stated in the Documents, etc. (limited to documents or the copy thereof) is recorded are included) for three years after the preparation thereof.
3 前項の規定にかかわらず、貸金業者は、前条第二項の規定により同条第一項に規定する書面等をその発行後三年を超えて用いるときは、当該書面等又は当該書面等(書面又はその写しに該当するものに限る。)に記載された情報の内容を記録した電磁的記録をその発行後五年間保存しなければならない。
(3) Notwithstanding the provisions of the preceding paragraph, when a Money Lender uses the Documents, etc. prescribed in paragraph (1) of the preceding Article over a period of three years after the issuance thereof, pursuant to the provisions of paragraph (2) of that Article, the Money Lender must preserve the Documents, etc. or electronic or magnetic records in which the content of the information stated in the relevant Documents, etc. (limited to documents or the copy thereof) is recorded for five years after the issuance thereof.
(個人顧客の利益の保護に支障を生ずることがない極度方式基本契約等)
(Basic Contract for a Revolving Credit Loan that will Not Hinder the Protection of the Individual Customer's Interest)
第十条の二十八 法第十三条の三第五項に規定する内閣府令で定めるものは、次に掲げるものとする。
Article 10-28 (1) The reference, in Article 13-3, paragraph (5) of the Act, to a Basic Contract for a Revolving Credit Loan specified by Cabinet Office Order means:
一 個人顧客が特定費用を支払うために必要な資金の貸付けを目的とした極度方式基本契約(特定緊急貸付契約に限る。)であつて、次に掲げるすべての要件に該当するもの
(i) a Basic Contract for a Revolving Credit Loan (limited to a Specified Urgent Loan Contract) for the Loan of funds necessary for an Individual Customer to pay Specified Expenses, which satisfy all of the following requirements:
イ 当該個人顧客の返済能力を超えない極度方式基本契約であると認められること。
(a) that the relevant Basic Contract for a Revolving Credit Loan is found not to exceed the repayment capacity of the relevant Individual Customer;
ロ 緊急個人顧客合算額が十万円を超えないこと。
(b) that the Total Urgent Borrowings of an Individual Customer does not exceed 100,000 yen; and
ハ 当該極度方式基本契約に基づく極度方式貸付けの返済期間が三月を超えないこと。
(c) that the repayment period of the Revolving Credit Loan under the relevant Basic Contract for a Revolving Credit Loan does not exceed three months.
二 個人顧客を相手方とする極度方式基本契約であつて、当該個人顧客に係る極度方式個人顧客合算額(法第十三条の三第五項に規定する極度方式個人顧客合算額をいう。以下この条において同じ。)と当該個人顧客の配偶者に係る極度方式個人顧客合算額を合算した額が、当該個人顧客に係る基準額と当該個人顧客の配偶者に係る基準額を合算した額を超えないもの(当該契約を締結することについて当該個人顧客の配偶者の同意がある場合に限る。)
(ii) a Basic Contract for a Revolving Credit Loan made to an Individual Customer, in which the total of the Total Borrowings of an Individual Customer (meaning the Total Borrowings of an Individual Customer as prescribed in Article 13-3, paragraph (5) of the Act; hereinafter the same applies in this Article) pertaining to the relevant Individual Customer and the Total Borrowings of an Individual Customer pertaining to the Spouse of the Individual Customer does not exceed the total of the Base Amount for the Individual Customer and the Base Amount for the Spouse of the Individual Customer (limited to cases where the consent of the Spouse of the Individual Customer is obtained for the conclusion of the relevant contract);
三 事業を営む個人顧客を相手方とする極度方式基本契約であつて、次に掲げるすべての要件に該当するもの
(iii) a Basic Contract for a Revolving Credit Loan made to an Individual Customer engaged in business, which satisfies all of the following requirements:
イ 実地調査、当該個人顧客の直近の確定申告書の確認その他の方法により当該事業の実態が確認されていること。
(a) that the actual conditions of the relevant business are confirmed by an on-the-spot investigation, confirmation on the relevant Individual Customer's latest final returns or by any other method;
ロ 当該個人顧客の事業計画、収支計画及び資金計画に照らし、当該個人顧客の返済能力を超えないと認められること。
(b) that the loan contract is found to be one which does not exceed the repayment capacity of the relevant Individual Customer in light of the business plan, earnings and expenditure plan, and financial plan of the relevant Individual Customer;
四 現に事業を営んでいない個人顧客に対する新たな事業を行うために必要な資金の貸付けを目的とした極度方式基本契約であつて、次に掲げるすべての要件に該当するもの
(iv) a Basic Contract for a Revolving Credit Loan for the Loan of funds necessary for an Individual Customer that is not currently engaged in business to newly conduct business, which satisfy all of the following requirements:
イ 事業計画、収支計画及び資金計画の確認その他の方法により確実に当該事業の用に供するための資金の貸付けを目的とした極度方式基本契約であると認められること。
(a) that the Basic Contract for a Revolving Credit Loan is found to be one for the Loan of funds surely to be used for the relevant business, by confirming the business plan, earnings and expenditure plan and financial plans or by any other methods;
ロ 当該個人顧客の事業計画、収支計画及び資金計画に照らし、当該個人顧客の返済能力を超えないと認められること。
(b) that the Basic Contract for a Revolving Credit Loan is found to be one which does not exceed the repayment capacity of the relevant Individual Customer in light of the business plan, earnings and expenditure plan, and financial plan of the relevant Individual Customer.
2 貸金業者は、前項第二号に掲げる極度方式基本契約を締結している個人顧客の配偶者を相手方として極度方式基本契約を締結している場合において、当該極度方式基本契約について法第十三条の三第一項又は第二項の規定による調査をしなければならないときは、当該極度方式基本契約が配偶者合算基準額超過極度方式基本契約に該当するかどうかをあわせて調査しなければならない。
(2) In cases where a Money Lender has concluded a Basic Contract for a Revolving Credit Loan with the Spouse of the Individual Customer with whom the Money Lender has concluded the Basic Contract for a Revolving Credit Loan set forth in item (ii) of the preceding paragraph, and when the Money Lender is to conduct the investigation under Article 13-3, paragraph (1) or (2) of the Act for the relevant Basic Contract for a Revolving Credit Loan, the Money Lender must investigate whether the relevant Basic Contract for a Revolving Credit Loan falls under the category of Basic Contract for a Revolving Credit Loan Exceeding the Total Base Amount for the Spouse of the Individual Customer as well.
3 前項に規定する「配偶者合算基準額超過極度方式基本契約」とは、第一項第二号に掲げる極度方式基本契約を締結している個人顧客の配偶者を相手方とする極度方式基本契約で、当該個人顧客の配偶者に係る極度方式個人顧客合算額と当該個人顧客に係る極度方式個人顧客合算額から当該個人顧客に係る基準額を控除した額(当該額が零を下回る場合にあつては、零とする。)を合算した額が、当該個人顧客の配偶者に係る基準額を超えることとなるもの(同項各号に掲げるものを除く。)をいう。
(3) The term "Basic Contract for a Revolving Credit Loan Exceeding the Total Base Amount for the Spouse of the Individual Customer" means a Basic Contract for a Revolving Credit Loan concluded with the Spouse of the Individual Customer with whom the Money Lender has concluded the Basic Contract for a Revolving Credit Loan set forth in paragraph (1), item (ii), in which the total of the Total Borrowings of an Individual Customer under a Revolving Credit Loan pertaining to the Spouse of the Individual Customer and the amount obtained by deducting the Base Amount for the Individual Customer from the Total Borrowings of an Individual Customer under a Revolving Credit Loan pertaining to the relevant Individual Customer (in cases where the amount is less than zero, it is deemed to be zero) exceeds the Base Amount for the Spouse of the Individual Customer (excluding the Basic Contracts for Revolving Credit Loans set forth in the items of paragraph (1)).
4 貸金業者は、第一項第二号に掲げる極度方式基本契約を締結している個人顧客の配偶者を相手方として極度方式基本契約を締結している場合において、第二項の規定による調査により、当該極度方式基本契約が前項に規定する配偶者合算基準額超過極度方式基本契約に該当すると認められるときは、次に掲げる措置を講じなければならない。
(4) In cases where a Money Lender has concluded a Basic Contract for a Revolving Credit Loan with the Spouse of the Individual Customer with whom the Money Lender has concluded the Basic Contract for a Revolving Credit Loan set forth in paragraph (1), item (ii), and when the relevant Basic Contract for a Revolving Credit Loan is found to fall under the category of Basic Contract for a Revolving Credit Loan Exceeding the Total Base Amount for the Spouse of the Individual Customer prescribed in the preceding paragraph from the investigation pursuant to paragraph (2), the Money Lender must take the following measures:
一 当該極度方式基本契約が配偶者合算基準額超過極度方式基本契約に該当しないようにするため必要な当該極度方式基本契約の極度額の減額
(i) the decrease of the maximum amount under the relevant Basic Contract for a Revolving Credit Loan which is necessary to have the relevant Basic Contract for a Revolving Credit Loan not fall under the category of Basic Contract for a Revolving Credit Loan Exceeding the Total Base Amount for the Spouse of the Individual Customer; and
二 当該極度方式基本契約に基づく新たな極度方式貸付けの停止
(ii) the suspension of a new Revolving Credit Loan under the relevant Basic Contract for a Revolving Credit Loan.
(極度方式貸付けを抑制するために必要な措置)
(Measures Necessary to Restrain Revolving Credit Loans)
第十条の二十九 法第十三条の四に規定する内閣府令で定めるものは、次に掲げるものとする。
Article 10-29 The reference, in Article 13-4 of the Act, to measures specified by Cabinet Office Order means:
一 当該極度方式基本契約が基準額超過極度方式基本契約に該当しないようにするため必要な当該極度方式基本契約の極度額の減額
(i) the decrease of the maximum amount under the relevant Basic Contract for a Revolving Credit Loan which is necessary to have the relevant Basic Contract for a Revolving Credit Loan not fall under the category of Basic Contract for a Revolving Credit Loan Exceeding the Total Base Amount for the Spouse of the Individual Customer; and
二 当該極度方式基本契約に基づく新たな極度方式貸付けの停止
(ii) the suspension of a new Revolving Credit Loan under the relevant Basic Contract for a Revolving Credit Loan.
(貸付条件の掲示)
(Posting of Conditions of Loans)
第十一条 法第十四条第一号に規定する内閣府令で定める方法は、次の各号に掲げる貸付けの区分に応じ、当該各号に定める方法とする。
Article 11 (1) The reference, in Article 14, item (i) of the Act, to methods specified by Cabinet Office Order means the method that each of the following items prescribes for the category of Loan set forth in the item:
一 金銭の貸付け(次号に掲げるものを除く。) 別表中の算式一
(i) money loans (excluding those set forth in the following item): formula No. 1 in the Appended Table;
二 手形の割引及びその媒介 別表中の算式一又は算式二のいずれか(算式二を用いる場合にあつては、割引率であることを明示するものとする。)
(ii) discount of negotiable instruments and the intermediary therefor: formula No. 1 or formula No. 2 in the Appended Table, whichever (in cases using formula No. 2., it is to be clearly indicated that the amount obtained by the formula is the discount rate).
2 法第十四条第一号に規定する貸付けの利率に準ずるものとして内閣府令で定めるものは、市場金利に一定の利率を加える方法により算定される利息を用いて貸付けの利率を算定する場合には、基準とする市場金利の名称及びこれに加算する利率とする。
(2) The reference, in Article 14, item (i) of the Act, to a rate that Cabinet Office Order specifies as being equivalent to the Loan Interest Rate means, in cases where the Loan Interest Rate is calculated from the amount of interest obtained by adding a certain interest rate to the market rate of interest, the name of the market rate of interest used as the basis therefor and interest rate to be added thereto.
3 法第十四条第五号に規定する内閣府令で定める事項は、次の各号に掲げる貸付けの区分に応じ、当該各号に定める事項とする。
(3) The reference, in Article 14, item (v) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of Loan set forth in the item:
一 金銭の貸付け 次に掲げる事項
(i) money loan: the following matters:
イ 賠償額の予定(違約金を含む。以下同じ。)に関する定めをする場合における当該賠償額の元本に対する割合(その年率を、百分率で少なくとも小数点以下一位まで表示したものに限る。)
(a) in cases where any agreement for liquidated damages (including penalties; the same applies hereinafter) are to be provided, the ratio of the relevant liquidated damages to the principal (limited to those indicating the annual rate thereof in percentages, to at least the first decimal place);
ロ 担保を供することが必要な場合における当該担保に関する事項
(b) in cases where it is necessary to provide a collateral, the matters related to the collateral;
ハ 主な返済の例
(c) major example of repayment;
二 金銭の貸借の媒介 媒介手数料(何らの名義をもつてするを問わず、金銭の貸借の媒介を行う者が、その媒介に関し受ける金銭をいう。以下同じ。)の計算の方法(媒介手数料の割合(当該媒介に係る貸借の金額に対する媒介手数料の割合(百分率で少なくとも小数点以下一位まで表示したものに限る。))を含む。以下同じ。)
(ii) money brokerage: the way of calculating brokerage fees (meaning the money that the person acting as the money broker receives for acting as the money broker, irrespective of the name to be given to it; the same applies hereinafter) (including the brokerage rate (meaning the ratio of brokerage fees to the total amount of money lent and borrowed through the broker (limited to those indicating the amount in percentages, to at least the first decimal place); the same applies hereinafter)).
4 貸金業者は、法第十四条の規定により貸付けの利率を掲示するときは、別表中の算式一、算式二又はこれらに準ずるものとして金融庁長官が指定する方法によつて算出した元本の額を用いて得た年率を百分率で少なくとも小数点以下一位まで表示する方法によるものとする。
(4) A Money Lender, when posting the Loan Interest Rate pursuant to the provisions of Article 14 of the Act, is to make the posting by indicating the annual rate obtained from the amount of principal calculated by formula No. 1 or formula No. 2 in the Appended Table or by the method designated by the Commissioner of the Financial Services Agency, in percentages, to at least the first decimal place.
5 法第十四条の規定による掲示は、当該営業所等で行う貸付けの種類ごとに、見やすい方法で行わなければならない。ただし、当該営業所等が現金自動設備であつて、当該現金自動設備があらかじめ定める条件により継続して貸付けを行う契約(以下「包括契約」という。)に基づく金銭の交付又は回収のみを行うものであるときは、掲示することを要しない。
(5) The posting under the provisions of Article 14 of the Act must be made by the posting in a place accessible to the customer for each kind of Loans made at the relevant Business Office, etc.; provided, however, that in cases where the relevant Business Office, etc. is an Automatic Cash Machine, and the Automatic Cash Machine are those that only deliver or collect money under the contract to make Loans in a continuous manner under the pre-determined conditions (hereinafter referred to as the "Package Contract"), the posting is not required.
(貸付条件の広告等)
(Advertising of Conditions of Loans)
第十二条 法第十五条第一項第三号に規定する内閣府令で定める事項は、次の各号に掲げる区分に応じ、当該各号に定める事項とする。
Article 12 (1) The reference, in Article 15, paragraph (1), item (iii) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category set forth in that item:
一 金銭の貸付け(手形の割引及び売渡担保を除く。) 次に掲げる事項
(i) money loan (excluding the discount of negotiable instruments and collateral by sale): the following matters:
イ 返済の方式並びに返済期間及び返済回数
(a) the method of repayment as well as the repayment period and the number of repayment installments;
ロ 前条第三項第一号イ及びロに掲げる事項
(b) the matters set forth in paragraph (3), item (i), sub-items (a) and (b) of the preceding Article;
二 金銭の貸借の媒介 媒介手数料の計算の方法
(ii) money brokerage: way of calculating the brokerage fees; and
三 貸金業者登録簿に登録されたホームページアドレス又は電子メールアドレスを表示し、又は説明するとき 貸金業者登録簿に登録された電話番号
(iii) when the Website URL or E-mail Address registered in the Money Lender register is to be indicated or explained: the telephone number registered in the Money Lender register.
2 前条第四項の規定は、貸金業者が法第十五条第一項の規定による表示をし、又は説明をする場合について準用する。この場合において、その種類を明示するときは、貸付けの利率以外の利率を併記することができる。
(2) The provisions of paragraph (4) of the preceding Article applies mutatis mutandis to cases where the Money Lender makes the indication or explanation under the provisions of Article 15, paragraph (1) of the Act. In this case, when the kind of the Loan is to be clearly indicated the interest rate other than the Loan Interest Rate may be stated as well.
3 貸金業者は、貸付けの条件を広告するとき、又は貸付けの契約の締結について勧誘をする場合において貸付けの条件を表示し、若しくは説明するときは、法第十五条第一項各号に掲げる事項を明瞭かつ正確に表示し、又は説明しなければならない。
(3) When a Money Lender advertises the conditions of Loans or indicates or explains the conditions of Loans for soliciting for the conclusion of a Contract for a Loan, the Money Lender must clearly and accurately indicate the matters set forth in Article 15, paragraph (1) of the Act.
4 法第十五条第二項に規定する広告に準ずるものとして内閣府令で定めるものは、多数の者に対して同様の内容で行う勧誘とする。
(4) The reference, in Article 15, paragraph (2) of the Act, to solicitation that Cabinet Office Order specifies as being equivalent to advertising, means solicitation made to many persons with the same content.
5 法第十五条第二項に規定する連絡先等であつて内閣府令で定めるものは、次に掲げるものとする。
(5) The reference, in Article 15, paragraph (2) of the Act, to a point of contact, etc. defined by Cabinet Office Order means:
一 電話番号
(i) a telephone number;
二 ホームページアドレス
(ii) a Website URL; and
三 電子メールアドレス
(iii) an E-mail Address.
6 貸金業者は、貸付けの条件を広告するときは、不当景品類及び不当表示防止法(昭和三十七年法律第百三十四号)、屋外広告物法(昭和二十四年法律第百八十九号)第三条第一項の規定に基づく都道府県の条例その他の法令に違反する広告をしてはならない。
(6) When a Money Lender advertises the conditions of Loans, the Money Lender must not advertise in violation of the Prefectural Order based on the Act against the Unjustifiable Premiums and Misleading Representations (Act No. 134 of 1962) and Article 3, paragraph (1) of the Outdoor Advertisement Act (Act No. 189 of 1949) or other laws and regulations.
(契約締結前の書面の交付)
(Delivery of Documents Prior to Concluding a Contract)
第十二条の二 法第十六条の二第一項第七号に規定する内閣府令で定める事項は、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
Article 12-2 (1) The reference, in Article 16-2, paragraph (1), item (vii) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribe for the category of loan contract set forth in the item:
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 貸金業者の登録番号
(a) the registration number of the Money Lender;
ロ 債務者が負担すべき元本及び利息以外の金銭に関する事項
(b) the matters concerning the money other than the principal or interest, to be borne by the obligor;
ハ 契約の相手方の借入金返済能力に関する情報を信用情報に関する機関に登録するときは、その旨及びその内容
(c) in cases of registering the information on the repayment capacity for borrowings of the counterparty to the contract to the Organization Handling Credit Information, the fact and the details thereof;
ニ 利息の計算の方法
(d) the method of calculation of the interest;
ホ 返済の方法及び返済を受ける場所
(e) the method of repayment and the place to receive the repayment;
ヘ 各回の返済期日及び返済金額の設定の方式
(f) the method of establishment of each repayment due date and repayment amount;
ト 契約上、返済期日前の返済ができるか否か及び返済ができるときは、その内容
(g) information as to whether repayment before the repayment due date is possible or not under the contract, and if possible, the details thereof;
チ 期限の利益の喪失の定めがあるときは、その旨及びその内容
(h) in cases where there are provisions on the forfeiture of benefit of time, the fact and the details thereof;
リ 将来支払う返済金額の合計額(貸付けに係る契約を締結しようとする時点において将来支払う返済金額が定まらないときは、各回の返済期日に最低返済金額を支払うことその他の必要な仮定を置き、当該仮定に基づいた合計額及び当該仮定)
(i) the total repayment amount to be paid in the future (in cases where the repayment amount to be paid in the future is not fixed at the time of concluding the loan contract, the total amount based on an assumption that the obligor pays the minimum repayment amount at each repayment due date or any other necessary assumption, and the assumption);
ヌ 次に掲げる場合の区分に応じ、それぞれ次に定める事項
(j) the matters that each of the following clauses prescribes for the category of cases set forth in the clause:
(1) 指定紛争解決機関が存在する場合 貸金業者が法第十二条の二の二第一項第一号に定める手続実施基本契約を締結する措置を講ずる当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称
1. in cases where there is a Designated Dispute Resolution Organization: the trade name or name of the Designated Dispute Resolution Organization with regard to whom the Money Lender takes the measure to conclude a Basic Contract for Implementation of Dispute Resolution Procedures as prescribed in Article 12-2-2, paragraph (1), item (i) of the Act, and that is the counterparty to the Basic Contract for Implementation of Dispute Resolution Procedures; and
(2) 指定紛争解決機関が存在しない場合 貸金業者の法第十二条の二の二第一項第二号に定める苦情処理措置及び紛争解決措置の内容
2. in cases where there is no Designated Dispute Resolution Organization: the content of the Complaint Processing Measures and Dispute Resolution Measures prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act to be taken by the Money Lender.
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号イ、ニ、ト、チ及びヌに掲げる事項
(a) the matters set forth in sub-item (a), (d), (g), (h), and (j) of the preceding item; and
ロ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項
(b) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money;
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号イ、ロ、ニ及びヘからヌまでに掲げる事項
(a) the matters set forth in item (i), sub-items (a), (b), (d), and (f) through (j); and
ロ 買戻しに関する事項
(b) the matters related to redemption;
四 金銭の貸借の媒介の契約 第一号イ、ヘからチまで及びヌに掲げる事項並びに媒介手数料の計算の方法及びその金額
(iv) a money brokerage agreement: the matters set forth in item (i), sub-item (a), (f) through (h), and (j), as well as the way of calculating the brokerage fees and the amount thereof.
2 法第十六条の二第二項第六号に規定する内閣府令で定める事項は、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(2) The reference, in Article 16-2, paragraph (2), item (vi) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of loan contract set forth in the item:
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 貸金業者の登録番号
(a) the registration number of the Money Lender;
ロ 債務者が負担すべき元本及び利息以外の金銭に関する事項
(b) the matters concerning the money other than the principal or interest, to be borne by the obligor;
ハ 契約の相手方の借入金返済能力に関する情報を信用情報に関する機関に登録するときは、その旨及びその内容
(c) in cases of registering the information on the repayment capacity for borrowings of the counterparty to the contract to the Organization Handling Credit Information, the fact and the details thereof;
ニ 利息の計算の方法
(d) the method of calculation of the interest;
ホ 返済の方法及び返済を受ける場所
(e) the method of repayment and the place to receive the repayment;
ヘ 各回の返済期日及び返済金額の設定の方式
(f) the method of establishment of each repayment due date and repayment amount;
ト 契約上、返済期日前の返済ができるか否か及び返済ができるときは、その内容
(g) information as to whether repayment before the repayment due date is possible or not under the contract, and if possible, the details thereof;
チ 期限の利益の喪失の定めがあるときは、その旨及びその内容
(h) in cases where there are provisions on the forfeiture of benefit of time, the fact and the details thereof;
リ 貸金業者が、極度方式基本契約に定める極度額(貸金業者が極度方式基本契約の相手方に対し貸付けの元本の残高の上限として極度額を下回る額を提示する場合にあつては、当該下回る額)を一回貸し付けることその他の必要な仮定を置き、当該仮定に基づいた将来支払う返済金額の合計額、返済期間及び返済回数並びに当該仮定
(i) the total repayment amount to be paid in the future based on the assumption that the Money Lender loans the maximum amount specified in the Basic Contract for a Revolving Credit Loan (in cases where the Money Lender makes available to the counterparty to the Basic Contract for a Revolving Credit Loan an amount smaller than the maximum amount as an upper limit on outstanding balance of principal of the Revolving Credit Loan under the Basic Contract for a Revolving Credit Loan, the smaller amount) for at least once or any other assumption, the repayment period and number of repayment installments as well as the relevant assumption;
ヌ 次に掲げる場合の区分に応じ、それぞれ次に定める事項
(j) the matters that each of the following clauses prescribes for the category of cases set forth in the clause:
(1) 指定紛争解決機関が存在する場合 貸金業者が法第十二条の二の二第一項第一号に定める手続実施基本契約を締結する措置を講ずる当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称
1. in cases where there is a Designated Dispute Resolution Organization: the trade name or name of the Designated Dispute Resolution Organization with regard to whom the Money Lender takes the measure to conclude a Basic Contract for Implementation of Dispute Resolution Procedures as prescribed in Article 12-2-2, paragraph (1), item (i) of the Act, and that is the counterparty to the Basic Contract for Implementation of Dispute Resolution Procedures; and
(2) 指定紛争解決機関が存在しない場合 貸金業者の法第十二条の二の二第一項第二号に定める苦情処理措置及び紛争解決措置の内容
2. in cases where there is no Designated Dispute Resolution Organization: the content of the Complaint Processing Measures and Dispute Resolution Measures prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act to be taken by the Money Lender.
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号イ、ニ、ト、チ及びヌに掲げる事項
(a) the matters set forth in sub-item (a), (d), (g), (h), and (j) of the preceding item; and
ロ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項
(b) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money;
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号イ、ロ、ニ及びヘからヌまでに掲げる事項
(a) the matters set forth in item (i), sub-items (a), (b), (d), and (f) through (j); and
ロ 買戻しに関する事項
(b) the matters related to redemption;
四 金銭の貸借の媒介の契約 第一号イ、ヘからチまで及びヌに掲げる事項並びに媒介手数料の計算の方法及びその金額
(iv) a money brokerage agreement: the matters set forth in item (i), sub-items (a), (f) through (h), and (j), as well as the way of calculating brokerage fees and the amount thereof.
3 法第十六条の二第三項第四号に規定する内閣府令で定める事項は、次の各号に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(3) The reference, in Article 16-2, paragraph (3), item (iv) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover:
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) contracts of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 保証契約の種類及び効力(極度額の説明を含む。)
(a) kind and effect of the guarantee contract (including the explanation of the maximum amount);
ロ 貸付けに係る契約に基づく債務の残高の総額
(b) the total outstanding balance of the obligation under the loan contract;
ハ 保証債務の極度額(貸付けに係る契約の元本の極度額を定めて貸付けに係る契約の保証契約を締結しようとするときは、その旨の記載を含む。以下同じ。)その他の保証人が負担する債務の範囲
(c) the maximum amount of the guarantee obligation (in cases of concluding a guarantee contract for the loan contract by specifying the maximum amount of the principal of the loan contract, including the statement to that effect; the same applies hereinafter) and the scope of obligations to be borne by the guarantor;
ニ 貸付けに係る契約の契約年月日
(d) the date of loan contract;
ホ 貸付けに係る契約の貸付けの金額
(e) the amount of Loan under the loan contract;
ヘ 貸付けに係る契約の貸付けの利率
(f) the Loan Interest Rate under the loan contract;
ト 貸付けに係る契約に基づく債務の返済の方式
(g) the method of repayment of obligations under the loan contract;
チ 貸付けに係る契約に基づく債務の返済期間及び返済回数(極度方式保証契約にあつては、記載することを要しない。)
(h) the repayment period and number of repayment installments under the loan contract (in cases of a Contract for a Revolving Guarantee, the statements thereof may be omitted);
リ 貸付けに係る契約に賠償額の予定に関する定めがあるときは、その内容
(i) in cases where any agreement for liquidated damages is provided, the details thereof;
ヌ 主たる債務者が負担すべき元本及び利息以外の金銭に関する事項
(j) the matters concerning the money other than the principal or interest, to be borne by the principal obligor;
ル 貸付けに係る契約の利息の計算の方法
(k) the method of calculation of the interest under the loan contract;
ヲ 貸付けに係る契約に基づく債務の各回の返済期日及び返済金額(極度方式保証契約にあつては、貸付けに係る契約に基づく債務の各回の返済期日及び返済金額の設定の方式)
(l) each repayment due date and repayment amount of the obligation under the loan contract (in cases of a Contract for a Revolving Guarantee, the method of establishment of each repayment due date and repayment amount of the obligation under the loan contract);
ワ 契約上、貸付けに係る契約に基づく債務の返済期日前の返済ができるか否か及び返済ができるときは、その内容
(m) information as to whether repayment of the obligations under the loan contract before the repayment due date is possible or not under the loan contract, and if possible, the details thereof;
カ 貸付けに係る契約に期限の利益の喪失の定めがあるときは、その旨及びその内容(貸金業の規制等に関する法律等の一部を改正する法律(平成十八年法律第百十五号。以下「改正法」という。)第五条の規定による改正前の利息制限法(昭和二十九年法律第百号。以下「旧利息制限法」という。)第一条第一項に規定する利率を超えない範囲においてのみ効力を有する旨を含む。)
(n) in cases where there are provisions on the forfeiture of benefit of time under the loan contract, the fact and the details thereof (including the statement to the effect that the provisions are effective only within the scope not exceeding the interest rate provided in Article 1, paragraph (1) of the Interest Rate Restriction Act (Act No. 100 of 1954) prior to the revision (hereinafter referred to as the "Former Interest Rate Restriction Act") under Article 5 of the Act Partially Amending the Act for Controls in the Money Lending Business (Act No. 115 of 2006; hereinafter referred to as the "Amendment Act"));
ヨ 貸付けに係る契約に基づく債務の残高及びその内訳(元本、利息及び当該貸付けに係る契約に基づく債務の不履行による賠償額の別をいう。)
(o) the outstanding balance of the obligations under the loan contract and the Breakdown (meaning the information on composition of the outstanding balance, such as the principal, interest and damages for the default under the relevant loan contract) thereof;
タ 法第十六条の二第三項第二号に掲げる保証期間の定めがないときは、その旨
(p) in cases where the guarantee period set forth in Article 16-2, paragraph (3), item (ii) of the Act is not provided, the fact;
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号イ及びロに掲げる事項
(a) the matters set forth in sub-items (a) and (b) of the preceding item;
ロ 前号ハに掲げる事項
(b) the matters set forth in sub-item (c) of the preceding item;
ハ 前号ニからリまで、ル及びワからタまでに掲げる事項
(c) the matters set forth in sub-item (d) through (i), (k), and (m) through (p) of the preceding item;
ニ 割り引いた手形の手形番号、手形金額及び満期
(d) the negotiable instrument number of the discounted negotiable instrument, and the amount and maturity of the relevant negotiable instrument;
ホ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項
(e) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money;
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号イ及びロに掲げる事項
(a) the matters set forth in item (i), sub-items (a) and (b);
ロ 第一号ハに掲げる事項
(b) the matters set forth in item (i), sub-item (c);
ハ 第一号ニからタまでに掲げる事項
(c) the matters set forth in item (i), sub-items (d) through (p);
ニ 買戻しに関する事項
(d) the matters related to redemption;
ホ 売渡目的物の内容
(e) the details of the subject matter of the collateral by sale;
四 金銭の貸借の媒介の契約 次に掲げる事項
(iv) a money brokerage agreement: the following matters:
イ 第一号イ及びロに掲げる事項
(a) the matters set forth in item (i), sub-items (a) and (b);
ロ 第一号ハに掲げる事項
(b) the matters set forth in item (i), sub-item (c);
ハ 第一号ニからリまで及びヲからタまでに掲げる事項
(c) the matters set forth in item (i), sub-items (d) through (i), and (l) through (p);
ニ 媒介手数料の計算の方法及びその金額
(d) the way of calculating the brokerage fees, and the amount thereof.
4 法第十六条の二第三項第五号に規定する内閣府令で定める事項は、民法(明治二十九年法律第八十九号)第四百五十四条の規定の趣旨とする。
(4) The reference, in Article 16-2, paragraph (3), item (v) of the Act, to matters specified by Cabinet Office Order means the gist of the provisions of Article 454 of the Civil Code (Act No. 89 of 1896).
5 法第十六条の二第三項第六号に規定する内閣府令で定める事項は、次に掲げる事項とする。
(5) The reference, in Article 16-2, paragraph (3), item (vi) of the Act, to matters specified by Cabinet Office Order means:
一 保証契約に基づく債務の弁済の方式
(i) the method of performance of obligations under the guarantee contract;
二 保証契約に賠償額の予定に関する定めがあるときは、その内容
(ii) in cases where any agreement for liquidated damages is provided, the details thereof;
三 貸金業者の登録番号
(iii) the registration number of the Money Lender;
四 主たる債務者及び保証人の商号、名称又は氏名及び住所
(iv) the trade name, name and address of the principal obligor and guarantor;
五 貸付けの契約に関し貸金業者が受け取る書面の内容
(v) the contents of the documents to be received by the Money Lender in relation to the Contract for a Loan;
六 保証人が負担すべき保証債務以外の金銭に関する事項
(vi) the matters concerning the money other than the guarantee obligation to be borne by the guarantor;
七 保証契約に基づく債務の弁済の方法及び弁済を受ける場所
(vii) the method of performance of obligations under the guarantee contract and the place to receive the performance thereof;
八 保証契約に期限の利益の喪失の定めがあるときは、その旨及びその内容(旧利息制限法第一条第一項に規定する利率を超えない範囲においてのみ効力を有する旨を含む。)
(viii) in cases where there are provisions on the forfeiture of benefit of time, the fact and the details thereof (including the statement to the effect that the provision is effective only within the scope not exceeding the interest rate provided in Article 1, paragraph (1) of Former Interest Rate Restriction Act);
九 貸付けの契約に基づく債権につき物的担保を供させるときは、当該担保の内容
(ix) in cases where requiring the provision of physical collateral for the claim under the Contract for a Loan, the details of the collateral;
十 貸付けに係る契約に基づく債権の一部が弁済その他の事由により消滅したときは、その事由、金額及び年月日
(x) in cases where part of the claim under the loan contract has extinguished upon performance or on any other grounds, the grounds, the amount and the date of the extinguishment of the claim;
十一 保証契約上、保証人が保証契約を解除できるときは解除事由、解除できないときはその旨
(xi) in cases where the guarantor may cancel the guarantee contract under the relevant guarantee contract, the grounds for cancellation, and if not, the fact;
十二 貸付けに係る契約(手形の割引の契約及び売渡担保の契約を除く。)の貸付けの利率が旧利息制限法第一条第一項に規定する利率を超えるときは、超える部分について支払う義務を負わない旨
(xii) in cases where the Loan Interest Rate under the loan contract (excluding a contract on discount of negotiable instrument and a contract on collateral by sale) exceeds the interest rate provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, a statement to the effect that the obligor does not have the obligation to pay the amount corresponding to the part exceeding the relevant interest rate;
十三 日賦貸金業者(改正法第四条の規定による改正前の貸金業法(以下「第三号新貸金業法」という。)第十四条第五号に規定する日賦貸金業者をいう。以下同じ。)である場合にあつては、同号に掲げる事項
(xiii) in cases of a Daily Installment Money Lender (meaning the Daily Installment Money Lender as prescribed in Article 14, item (v) of the Money Lending Business Act prior to the revision under Article 4 of the Amendment Act (hereinafter referred to as the "No. 3 New Money Lending Business Act"); the same applies hereinafter), the matters set forth in that item.
十四 次のイ又はロに掲げる場合の区分に応じ、当該イ又はロに定める事項
(xiv) the matters that each of the following sub-items (a) and (b) prescribes for the category of cases set forth in the sub-item:
イ 指定紛争解決機関が存在する場合 貸金業者が法第十二条の二の二第一項第一号に定める手続実施基本契約を締結する措置を講ずる当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称
(a) in cases where there is a Designated Dispute Resolution Organization: the trade name or name of the Designated Dispute Resolution Organization with regard to whom the Money Lender takes the measure to conclude a Basic Contract for Implementation of Dispute Resolution Procedures as prescribed in Article 12-2-2, paragraph (1), item (i) of the Act, and that is the counterparty to the Basic Contract for Implementation of Dispute Resolution Procedures; and
ロ 指定紛争解決機関が存在しない場合 貸金業者の法第十二条の二の二第一項第二号に定める苦情処理措置及び紛争解決措置の内容
(b) in cases where there is no Designated Dispute Resolution Organization: the content of the Complaint Processing Measures and Dispute Resolution Measures prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act to be taken by the Money Lender.
6 法第十六条の二第三項の規定により、保証契約の内容を説明する書面を保証人となろうとする者に交付するときは、次の各号に掲げる書面の区分に応じ、当該各号に掲げる事項を記載した二種類の書面を同時に交付しなければならない。
(6) When a person delivers documents explaining the details of a guarantee contract to a person seeking to become a guarantor pursuant to the provisions of Article 16-2, paragraph (3) of the Act, that person must deliver two kinds of documents detailing the matters that each of the following items prescribes for the category of document set forth in the item at the same time:
一 当該保証契約の概要を記載した書面 法第十六条の二第三項第一号から第三号までに掲げる事項並びに第三項第一号イからハまで、第二号イ及びロ、第三号イ及びロ、第四号イ及びロ並びに前項第三号、第四号及び第十三号に掲げる事項
(i) the document containing the outline of the relevant guarantee contract: the matters set forth in Article 16-2, paragraph (3), items (i) through (iii) of the Act, and the matters set forth in paragraph (3), item (i), sub-items (a) through (c), item (ii), sub-items (a) and (b), item (iii), sub-items (a) and (b), item (iv), sub-items (a) and (b), as well as those set forth in items (iii), (iv) and (xiii) of the preceding paragraph;
二 当該保証契約の詳細を記載した書面(保証の対象となる貸付けに係る契約が二以上ある場合には、当該契約ごとに記載しなければならない。) 法第十六条の二第三項第一号から第三号まで及び第五号に掲げる事項並びに第三項第一号(イ及びロを除く。)、第二号(イを除く。)、第三号(イを除く。)及び第四号(イを除く。)並びに前項各号(第十三号を除く。)に掲げる事項
(ii) the document containing the details of the relevant guarantee contract (in cases where there are two or more loan contracts to be covered by the guarantee, statements must be made for each contract): the matters set forth in Article 16-2, paragraph (3), items (i) through (iii), and (v) of the Act, as well as the matters set forth in paragraph (3), item (i) (excluding sub-items (a) and (b)), item (ii) (excluding sub-item (a)), item (iii) (excluding sub-item (a)), and item (iv) (excluding sub-item (a)), and the items (excluding item (xiii)) of the preceding paragraph.
7 第十一条第四項の規定は、貸金業者が法第十六条の二第一項から第三項までの規定により交付すべき書面を作成する場合について準用する。
(7) The provisions of Article 11, paragraph (4) applies mutatis mutandis to the cases where the Money Lender prepares the documents to be delivered pursuant to the provisions Article 16-2, paragraphs (1) through (3) of the Act.
8 法第十六条の二第一項から第三項までに規定する書面には、当該各項の規定により明らかにすべきものとされる事項を日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に記載しなければならない。
(8) The matters to be disclosed pursuant to Article 16-2, paragraphs (1) through (3) of the Act must be stated clearly and accurately by using characters, letters and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305 in the documents prescribed in that paragraphs.
(生命保険契約等に係る同意前の書面の交付)
(Delivery of Documents Prior to Obtaining Consent on Life Insurance Contract)
第十二条の三 法第十六条の三第一項第二号に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 12-3 (1) The reference, in Article 16-3, paragraph (1), item (ii) of the Act, to matters specified by Cabinet Office Order means:
一 貸金業者に支払われる保険金が貸付けの契約の相手方の債務の弁済に充てられるときは、その旨
(i) in cases where the insurance claim to be paid to the Money Lender will be applied to the performance of obligations of the counterparty to the Contract for a Loan, the fact;
二 死亡以外の保険金の支払事由
(ii) the grounds for payment of insurance claim, other than the death;
三 保険金が支払われない事由
(iii) the grounds on which the insurance claim will not be paid;
四 貸金業者に支払われる保険金額に関する事項
(iv) the matters concerning the insurance claim to be paid to the Money Lender; and
五 保障が継続する期間に関する事項
(v) the matters related to the period during which the guarantee continues.
2 法第十六条の三第一項に規定する書面には、同項各号に掲げる事項を日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に記載しなければならない。
(2) The matters set forth in the items of Article 16-3, paragraph (1) of the Act must be stated clearly and accurately using characters, letters, and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305 in the documents prescribed in that paragraph.
(契約締結時の書面の交付)
(Delivery of Documents Upon Concluding a Contract)
第十三条 法第十七条第一項第八号に規定する内閣府令で定める事項は、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
Article 13 (1) The reference, in Article 17, paragraph (1), item (viii) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of loan contract set forth in the item:
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 貸金業者の登録番号(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結するときは、記載を省略することができる。)
(a) the registration number of the Money Lender (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest rate agreed therein does not exceed the restrictions on amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, statements may be omitted);
ロ 契約の相手方の商号、名称又は氏名及び住所(極度方式貸付けに係る契約にあつては、当該契約の契約番号その他をもつて代えることができる。)
(b) the trade name or name and address of the counterparty to the contract (in cases of a contract for a Revolving Credit Loan, the information may be substituted by the contract number of the relevant contract and other information);
ハ 貸付けに関し貸金業者が受け取る書面(極度方式貸付けに係る契約にあつては、当該極度方式貸付けに関し貸金業者が受け取る書面に限り、極度方式基本契約に関し貸金業者が受け取る書面を除く。)の内容
(c) the contents of the documents to be received by the Money Lender in relation to the Loan (in cases of a contract for a Revolving Credit Loan, limited to the documents to be received by the Money Lender in relation to the relevant Revolving Credit Loan and excluding the documents to be received by the Money Lender in relation to the Basic Contract for a Revolving Credit Loan);
ニ 債務者が負担すべき元本及び利息以外の金銭に関する事項
(d) the matters concerning the money other than the principal or interest, to be borne by the obligor;
ホ 契約の相手方の借入金返済能力に関する情報を信用情報に関する機関に登録するときは、その旨及びその内容(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結するときは、記載を省略することができる。)
(e) in cases of registering the information on the repayment capacity for borrowings of the counterparty to the contract, to the Organization Handling Credit Information, the fact and the details thereof (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest rate agreed therein does not exceed the restrictions on amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, statements of the information may be omitted);
ヘ 利息の計算の方法(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合において、法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(f) the method of calculation of the interest (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest rate agreed therein does not exceed the restrictions on amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, and where the method is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act or the method is more favorable to the counterparty to the contract than the one stated therein, the statements of the relevant method may be omitted);
ト 返済の方法及び返済を受ける場所(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合において、法第十七条第二項の規定により交付する書面に記載されているときは、記載を省略することができる。)
(g) the method of repayment and the place to receive the repayment (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restrictions on amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, and where the method and place is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, the statements of the relevant method and place may be omitted);
チ 各回の返済期日及び返済金額(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結するときは、次回の返済期日及び返済金額をもつて代えることができる。)(極度方式貸付けに係る契約であつて当該契約と同一の極度方式基本契約に基づく返済の条件が同種の他の極度方式貸付けに係る契約の債務が残存するときは、締結した極度方式貸付けに係る契約の各回の返済期日及び返済金額の記載に代えて、残存する債務と合わせた債務に係る将来の各回の返済期日及び返済金額を、当該契約の次回の返済期日及び返済金額の記載に代えて、残存する債務と合わせた債務に係る次回の返済期日及び返済金額を記載することができる。)
(h) each repayment due date and repayment amount (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restrictions on the amount of interest provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, the next repayment due date and repayment amount may be stated in lieu thereof) (in cases where an obligation under the contract for a Revolving Credit Loan other than the relevant contract but based on the same Basic Contract for a Revolving Credit Loan and having the same conditions of repayment as the relevant contract remains, in lieu of the statement of each repayment due date and repayment amount under the concluded contract for a Revolving Credit Loan, each repayment due date and repayment amount in the future for the obligations including the remaining obligations may be stated; and in lieu of the statement of the next repayment date and repayment amount under the relevant contract, the next repayment date and repayment amount for the obligations including the remaining obligations may be stated);
リ 契約上、返済期日前の返済ができるか否か及び返済ができるときは、その内容(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合において、法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(i) information as to whether repayment before the repayment due date is possible or not under the contract, and if possible, the details thereof (in cases where concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restriction on the amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, and where the information is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, or the information is more favorable to the counterparty to the contract than the one stated therein, the statement of the information may be omitted);
ヌ 期限の利益の喪失の定めがあるときは、その旨及びその内容(旧利息制限法第一条第一項に規定する利率を超えない範囲においてのみ効力を有する旨を含む。)(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合において、法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(j) in cases where there are provisions on the forfeiture of benefit of time, the fact and the details thereof (including the statement to the effect that the provisions are effective only within the scope not exceeding the interest rate provided in Article 1, paragraph (1) of Former Interest Rate Restriction Act) (in cases where concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restriction on the amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, and where the information is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, or the information is more favorable to the counterparty to the contract than the one stated therein, the statement of the information may be omitted);
ル 当該契約に基づく債権につき物的担保を供させるときは、当該担保の内容(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合には、法第十七条第二項の規定により交付する書面に記載されている物的担保については、記載を省略することができ、極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えるものを締結する場合には、法第十七条第二項の規定により交付する書面に記載されている物的担保については、物的担保を供させている旨をもつて代えることができる。)
(k) in cases where requiring the provision of physical collateral for the claim under the loan contract, the details of the collateral (in cases where concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restriction on the amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, the statement of the physical collateral stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act may be omitted, and in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein exceeds the restriction on the amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, with regard to the physical collateral stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, the fact of provision of physical collateral may be stated in lieu of the statement);
ヲ 当該契約について保証契約を締結するときは、保証人の商号、名称又は氏名及び住所(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合には、法第十七条第二項の規定により交付する書面に記載されている保証人については、記載を省略することができ、極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えるものを締結する場合には、法第十七条第二項の規定により交付する書面に記載されている保証人については、保証人を立てている旨をもつて代えることができる。)
(l) in cases of concluding a guarantee contract for the relevant contract, the trade name, name and address of the guarantor (in cases where concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restriction on the amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, the statement of the guarantor stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act may be omitted, and in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein exceeds the restriction on the amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, with regard to the guarantor stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, the fact that a guarantor is furnished may be stated in lieu of the statement);
ワ 当該契約が、改正法第八条の規定による改正前の出資の受入れ、預り金及び金利等の取締りに関する法律の一部を改正する法律(昭和五十八年法律第三十三号)附則第十四項に規定する電話担保金融(以下単に「電話担保金融」という。)に係る契約であるときは、その旨及び当該電話担保金融に関し設定された質権の登録の受付番号(電話加入権質に関する臨時特例法施行規則(昭和三十三年郵政省令第十八号)第十三条に規定する受付番号をいう。第三項において同じ。)(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結するときは、記載を省略することができる。)
(m) in cases where the relevant contract is a contract for Finance Secured by Telephone Subscription Right as provided in paragraph (14) of the Supplementary Provisions of the Act Partially Amending the Act Regulating the Receipt of Contributions, Receipt of Deposits and Interest Rates (Act No. 33 of 1983) prior to the revision under Article 8 of the Amendment Act (hereinafter simply referred to as the "Finance Secured by Telephone Subscription Right"), the fact and the Receipt Number (meaning the receipt number as referred to in Article 13 of the Regulation for Enforcement of the Act on Temporary Special Provisions concerning Pledges Created on Telephone Subscription Right (Order of the Ministry of Posts and Telecommunications No. 18 of 1958); the same applies in paragraph (3)) for the registration of the pledge created in regard to the relevant Finance Secured by Telephone Subscription Right (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restrictions on amount of interest as provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, the statements of the information may be omitted);
カ 当該契約が、従前の貸付けの契約に基づく債務の残高を貸付金額とする貸付けに係る契約であるときは、従前の貸付けの契約に基づく債務の残高の内訳(元本、利息及び当該貸付けの契約に基づく債務の不履行による賠償額の別をいう。)及び当該貸付けの契約を特定し得る事項(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合において、当該契約と同一の極度方式基本契約に基づいた従前の極度方式貸付けに係る契約に基づく債務の残高を貸付金額とする貸付けに係る契約であるときは、記載を省略することができ、極度方式貸付けに係る契約であつて当該契約で定める利息の額が同項に定める利息の制限額を超えるものを締結する場合において、当該契約と同一の極度方式基本契約に基づいた従前の極度方式貸付けに係る契約に基づく債務の残高を貸付金額とする貸付けに係る契約であるときは、その旨又はその旨を示す文字をもつて代えることができる。)
(n) in cases where the relevant contract is a loan contract which has the outstanding balance of the obligation under the previous Contract for a Loan as the Loan amount thereof, the Breakdown (meaning the information on composition of the outstanding balance, such as the principal, interest and damages for the default under the relevant Contract for a Loan) of the outstanding balance of the obligation under the previous Contract for a Loan, and the matters which enables to specify the relevant Contract for a Loan (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restriction on the amount of interest provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, and where the contract is a loan contact which has, as the Loan amount, the outstanding balance of the obligation under the previous contract for a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan as the relevant contract, the statement of the information may be omitted, and in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein exceeds the restriction on the amount of interest provided in Article 1, paragraph (1) of the Interest Rate Restriction Act, and where the contract loan contact which has, as the Loan amount, the outstanding balance of the obligation under the previous contract for a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan as the relevant contract, the fact and characters or letters indicating the fact may be stated in lieu of the statement of the information);
ヨ 貸付けに係る契約の貸付けの利率が旧利息制限法第一条第一項に規定する利率を超えるときは、超える部分について支払う義務を負わない旨
(o) a statement to the effect that in cases where the Loan Interest Rate under the loan contract exceeds the interest rate provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, the obligor does not have the obligation to pay the amount corresponding to the part exceeding the interest rate;
タ 将来支払う返済金額の合計額(極度方式貸付けに係る契約であつて当該契約と同一の極度方式基本契約に基づく返済の条件が同種の他の極度方式貸付けに係る契約の債務が残存するときは、締結した極度方式貸付けに係る契約の将来支払う返済金額の合計額の記載に代えて、残存する債務と合わせた債務の将来支払う返済金額の合計額を記載することができる。)(貸付けに係る契約を締結した時点において将来支払う返済金額が定まらないときは、各回の返済期日に最低返済金額を支払うことその他の必要な仮定を置き、当該仮定に基づいた合計額及び当該仮定)
(p) the total repayment amount to be paid in the future (in cases where the obligation under the contract for a Revolving Credit Loan other than the relevant contract for a Revolving Credit Loan but based on the same Basic Contract for a Revolving Credit Loan and having the conditions of repayment as the relevant contract remains, in lieu of the statement of the total repayment amount to be paid in the future under the concluded contract for a Revolving Credit Loan, the total repayment to be paid in the future under the obligation including the remaining obligation may be stated) (in cases where the repayment amount to be paid in the future is not fixed at the time of concluding the loan contract, the total amount based on an assumption that the obligor pays the minimum repayment amount at each repayment due date or any other necessary assumption, as well as the assumption);
レ 日賦貸金業者である場合にあつては、第三号新貸金業法第十四条第五号に掲げる事項
(q) in cases of a Daily Installment Money Lender, the matters set forth in Article 14, item (v) of the No. 3 New Money Lending Business Act;
ソ 次に掲げる場合の区分に応じ、それぞれ次に定める事項
(r) the matters that each of the following clauses prescribes for the category of cases set forth in the clause:
(1) 指定紛争解決機関が存在する場合 貸金業者が法第十二条の二の二第一項第一号に定める手続実施基本契約を締結する措置を講ずる当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称
1. in cases where there is a Designated Dispute Resolution Organization: the trade name or name of the Designated Dispute Resolution Organization with regard to whom the Money Lender takes the measure to conclude a Basic Contract for Implementation of Dispute Resolution Procedures as prescribed in Article 12-2-2, paragraph (1), item (i) of the Act, and that is the counterparty to the Basic Contract for Implementation of Dispute Resolution Procedures; and
(2) 指定紛争解決機関が存在しない場合 貸金業者の法第十二条の二の二第一項第二号に定める苦情処理措置及び紛争解決措置の内容
2. in cases where there is no Designated Dispute Resolution Organization: the content of the Complaint Processing Measures and Dispute Resolution Measures prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act to be taken by the Money Lender.
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号イからハまで、ヘ、リからヲまで、レ及びソに掲げる事項
(a) the matters set forth in sub-items (a) through (c), (f), (i) through (l), (q) and (r) of the preceding item; and
ロ 割り引いた手形の手形番号、手形金額及び満期
(b) the negotiable instrument number of the discounted negotiable instrument, and the amount and maturity of the negotiable instrument;
ハ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項
(c) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money;
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号イからニまで、ヘ、チからヲまで及びタからソまでに掲げる事項
(a) the matters set forth in item (i), sub-items (a) through (d), (f), (h) through (l), and (p) through (r); and
ロ 買戻しに関する事項(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合において、法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(b) the matters related to redemption (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restriction on the amount of interest provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, and where the information is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, or is more favorable to the counterparty to the contract than the one stated therein, the statement of the information may be omitted);
ハ 売渡目的物の内容(極度方式貸付けに係る契約にあつては、法第十七条第二項の規定により交付する書面に記載されている売渡目的物については、記載を省略することができる。)
(c) the details of the subject matter of the collateral by sale (in cases of a contract for a Revolving Credit Loan, the statement of the subject matter of the collateral by sale stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act may be omitted);
四 金銭の貸借の媒介の契約 第一号イからハまで、チからヲまで、ヨ、レ及びソに掲げる事項並びに媒介手数料の計算の方法(極度方式貸付けに係る契約であつて当該契約で定める利息の額が旧利息制限法第一条第一項に定める利息の制限額を超えないものを締結する場合において、法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、媒介手数料の計算の方法の記載を省略することができる。)及びその金額
(iv) a money brokerage agreement: the matters set forth in item (i), sub-items (a) through (c), (h) through (l), (o), (q) and (r), as well as the way of calculating the brokerage fees (in cases of concluding a contract for a Revolving Credit Loan of which the amount of interest agreed therein does not exceed the restriction on the amount of interest provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, and where the information is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, or is more favorable to the counterparty to the contract than the one stated therein, the way of calculating the brokerage fees may be omitted).
2 法第十七条第一項後段に規定する内閣府令で定める事項は、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が同条第二項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(2) The reference, in the second sentence of Article 17, paragraph (1) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of loan contract set forth in the item (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of paragraph (2) of that Article, the matters are excluded):
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 法第十七条第一項第四号若しくは第七号に掲げる事項又は前項第一号ニ、ヘ、リ若しくはヌに掲げる事項(これらの事項について貸付けの利率を引き下げる場合その他の契約の相手方の利益となる変更を加える場合には、当該事項を除く。)
(a) the matters set forth in Article 17, paragraph (1), item (iv) or (vii) of the Act, or the matters set forth in item (i), sub-item (d), (f), (i), or (j) of the preceding paragraph (in cases where the Loan Interest Rate is reduced in relation to these matters or other cases where making changes that are advantageous to the counterparty to the contract, the matters are excluded);
ロ 法第十七条第一項第五号に掲げる事項又は前項第一号ト、チ(チにあつては、極度方式貸付けに係る契約である場合を除く。)、ル若しくはヲ(ヲにあつては、新たに保証契約を締結する場合に限る。)に掲げる事項
(b) the matters set forth in Article 17, paragraph (1), item (v) of the Act, or the matters set forth in the preceding paragraph, item (i), sub-item (g), (h) (in cases of sub-item (h), excluding the cases of a contract for a Revolving Credit Loan), (k), or (l) (in cases of sub-item (l), limited to cases of newly concluding a guarantee contract);
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号に定める事項(前項第一号ニ、ト及びチに掲げる事項を除く。)
(a) the matters set forth in the preceding item (excluding the matters set forth in item (i), sub-items (d), (g), and (h) of the preceding paragraph); and
ロ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項(契約の相手方の利益となる変更を加える場合には、当該事項を除く。)
(b) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money (in cases of making changes that are advantageous to the counterparty to the contract, the matters are excluded);
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号に定める事項(前項第一号トに掲げる事項を除く。)
(a) the matters set forth in item (i) (excluding the matters set forth in item (i), sub-item (g) of the preceding paragraph); and
ロ 買戻しに関する事項(契約の相手方の利益となる変更を加える場合には、当該事項を除く。)
(b) the matters related to redemption (in cases of making changes that are advantageous to the counterparty to the contract, the matters are excluded);
ハ 売渡目的物の内容
(c) the details of the subject matter of the collateral by sale;
四 金銭の貸借の媒介の契約 次に掲げる事項
(iv) a money brokerage agreement: the following matters:
イ 第一号に定める事項(前項第一号ニ、ヘ及びトに掲げる事項を除く。)
(a) the matters specified in item (i) (excluding the matters set forth in item (i), sub-items (d), (f), and (g) of the preceding paragraph); and
ロ 媒介手数料の計算の方法(契約の相手方の利益となる変更を加える場合には、媒介手数料の計算の方法を除く。)
(b) the way of calculating the brokerage fees (in cases of making changes that are advantageous to the counterparty to the contract, excluding the method of calculation of brokerage fees).
3 法第十七条第二項第七号に規定する内閣府令で定める事項は、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(3) The reference, in Article 17, paragraph (2), item (vii) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of loan contract set forth in the item:
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 貸金業者の登録番号
(a) the registration number of the Money Lender;
ロ 契約の相手方の商号、名称又は氏名及び住所
(b) the trade name or name and address of the counterparty to the contract;
ハ 極度方式基本契約に関し貸金業者が受け取る書面の内容
(c) the contents of the documents to be received by the Money Lender in relation to the Basic Contract for a Revolving Credit Loan;
ニ 債務者が負担すべき元本及び利息以外の金銭に関する事項
(d) the matters concerning the money other than the principal or interest, to be borne by the obligor;
ホ 契約の相手方の借入金返済能力に関する情報を信用情報に関する機関に登録するときは、その旨及びその内容
(e) in cases of registering the information on the repayment capacity for borrowings of the counterparty to the contract to the Organization Handling Credit Information, the fact and the details thereof;
ヘ 利息の計算の方法
(f) the method of calculation of the interest;
ト 返済の方法及び返済を受ける場所
(g) the method of repayment and the place to receive the repayment;
チ 各回の返済期日及び返済金額の設定の方式
(h) the method of establishment of each repayment due date and repayment amount;
リ 契約上、返済期日前の返済ができるか否か及び返済ができるときは、その内容
(i) information as to whether repayment before the repayment due date is possible or not under the contract, and if possible, the details thereof;
ヌ 期限の利益の喪失の定めがあるときは、その旨及びその内容(旧利息制限法第一条第一項に規定する利率を超えない範囲においてのみ効力を有する旨を含む。)
(j) in cases where there are provisions on the forfeiture of benefit of time, the fact and the details thereof (including the statement to the effect that the provisions are effective only within the scope not exceeding the interest rate provided in Article 1, paragraph (1) of Former Interest Rate Restriction Act);
ル 当該契約に基づく債権につき物的担保を供させるときは、当該担保の内容
(k) in cases where requiring the provision of physical collateral for the claim under the relevant contract, the details of the collateral;
ヲ 当該契約について保証契約を締結するときは、保証人の商号、名称又は氏名及び住所
(l) in cases where a guarantee contact is to be concluded for the relevant contract, the trade name, name and address of the guarantor;
ワ 当該契約が、電話担保金融に係る契約であるときは、その旨及び当該電話担保金融に関し設定された質権の登録の受付番号
(m) in cases where the relevant contract is a contract for Finance Secured by Telephone Subscription Right, the fact and the Receipt Number of registration of the pledge created in regard to the relevant Finance Secured by Telephone Subscription Right;
カ 貸付けに係る契約の貸付けの利率が旧利息制限法第一条第一項に規定する利率を超えるときは、超える部分について支払う義務を負わない旨
(n) in cases where the Loan Interest Rate under the loan contract exceeds the interest rate provided in Article 1, paragraph (1) of the Former Interest Rate Restriction Act, a statement to the effect that the obligor does not have the obligation to pay the amount corresponding to the part exceeding the interest rate;
ヨ 貸金業者が、極度方式基本契約に定める極度額(貸金業者が極度方式基本契約の相手方に対し貸付けの元本の残高の上限として極度額を下回る額を提示する場合にあつては、当該下回る額)を一回貸し付けることその他の必要な仮定を置き、当該仮定に基づいた将来支払う返済金額の合計額、返済期間及び返済回数並びに当該仮定
(o) the total repayment amount to be paid in the future based on the assumption by the Money Lender such as the loaning of the maximum amount specified in the Basic Contract for a Revolving Credit Loan (in cases where the Money Lender makes available to the counterparty to the Basic Contract for a Revolving Credit Loan an amount smaller than the maximum amount as an upper limit on the outstanding balance of principal of the Revolving Credit Loan under the Basic Contract for a Revolving Credit Loan, the smaller amount) for once or any other assumption, the repayment period and number of repayment installments as well as the relevant assumption;
タ 法第十七条第一項の規定により交付する書面(同条第五項の規定により保証人に交付する場合にあつては、同条第四項の規定により交付する書面)又は同条第六項で規定する内閣府令で定める書面に記載する返済期間、返済回数、返済期日又は返済金額が、当該書面に記載する貸付けの後に行われる貸付けその他の事由により変動し得るときは、その旨
(p) in cases where the repayment period, number of repayment installments, repayment due date or repayment amount stated in the documents to be delivered pursuant to Article 17, paragraph (1) of the Act (in cases of delivering the documents to the guarantor pursuant to paragraph (5) of that Article, the documents to be delivered pursuant to paragraph (4) of that Article), or the documents specified by Cabinet Office Order which are referred to in paragraph (6) of that Article, may change due to the Loan to be made after the Loan stated in the relevant documents or any other grounds, the fact;
レ 日賦貸金業者である場合にあつては、第三号新貸金業法第十四条第五号に掲げる事項
(q) in cases of a Daily Installment Money Lender, the matters set forth in Article 14, item (v) of the No. 3 New Money Lending Business Act;
ソ 次に掲げる場合の区分に応じ、それぞれ次に定める事項
(r) the matters that each of the following clauses prescribes for the category of cases set forth in the clause:
(1) 指定紛争解決機関が存在する場合 貸金業者が法第十二条の二の二第一項第一号に定める手続実施基本契約を締結する措置を講ずる当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称
1. in cases where there is a Designated Dispute Resolution Organization: the trade name or name of the Designated Dispute Resolution Organization with regard to whom the Money Lender takes the measure to conclude a Basic Contract for Implementation of Dispute Resolution Procedures as prescribed in Article 12-2-2, paragraph (1), item (i) of the Act, and that is the counterparty to the Basic Contract for Implementation of Dispute Resolution Procedures; and
(2) 指定紛争解決機関が存在しない場合 貸金業者の法第十二条の二の二第一項第二号に定める苦情処理措置及び紛争解決措置の内容
2. in cases where there is no Designated Dispute Resolution Organization: the content of the Complaint Processing Measures and Dispute Resolution Measures prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act to be taken by the Money Lender.
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号イからハまで、ヘ、リからヲまで、レ及びソに掲げる事項
(a) the matters set forth in sub-items (a) through (c), (f), (i) through (l), (q), and (r) of the preceding item; and
ロ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項
(b) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money;
ハ 法第十七条第一項の規定により交付する書面(同条第五項の規定により保証人に交付する場合にあつては、同条第四項の規定により交付する書面)又は同条第六項で規定する内閣府令で定める書面に記載する返済期間又は返済回数が、当該書面に記載する貸付けの後に行われる貸付けその他の事由により変動し得るときは、その旨
(c) in cases where the repayment period or number of repayment installments stated in the documents to be delivered pursuant to Article 17, paragraph (1) of the Act (in cases of delivering the documents to the guarantor pursuant to paragraph (5) of that Article, the documents to be delivered pursuant to paragraph (4) of that Article), or the documents specified by Cabinet Office Order which are referred to in paragraph (6) of that Article, may change due to the Loan to be made after the Loan stated in the relevant documents or any other grounds, the fact;
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号イからニまで、ヘ、チからヲまで及びヨからソまでに掲げる事項
(a) the matters set forth in item (i), sub-items (a) through (d), (f), (h) through (m), and (o) through (r); and
ロ 買戻しに関する事項
(b) the matters related to redemption;
四 金銭の貸借の媒介の契約 第一号イからハまで、チからヲまで、カ及びタからソまでに掲げる事項並びに媒介手数料の計算の方法及びその金額
(iv) a money brokerage agreement: the matters set forth in item (i), sub-items (a) through (c), (h) through (l), (n), and (p) through (r), as well as the method of calculation of brokerage fees and the amount thereof.
4 法第十七条第二項後段に規定する内閣府令で定める事項は、次の各号に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(4) The reference, in the second sentence of Article 17, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of loan contracts set forth in the item:
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 法第十七条第二項第四号若しくは第六号に掲げる事項又は前項第一号ニ、ヘ、リ若しくはヌに掲げる事項(これらの事項について貸付けの利率を引き下げる場合その他の契約の相手方の利益となる変更を加える場合には、当該事項を除く。)
(a) the matters set forth in Article 17, paragraph (2), item (iv) or (vi) of the Act, or the matters set forth in item (i), sub-item (d), (f), (i), or (j) of the preceding paragraph (in cases where reducing the Loan Interest Rate in relation to these matters, or cases where making changes that are advantageous to the counterparty to the contract, the matters are excluded);
ロ 法第十七条第二項第三号若しくは第五号に掲げる事項又は前項第一号ト、チ、ル若しくはヲ(ヲにあつては、新たに保証契約を締結する場合に限る。)に掲げる事項
(b) the matters set forth in Article 17, paragraph (2), item (iii) or (v) of the Act, or the matters set forth in the preceding paragraph, item (i), sub-item (g), (h), (k), or (l) (in cases of sub-item (l), limited to cases where newly concluding a guarantee contract);
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号に定める事項(前項第一号ニ、ト及びチに掲げる事項を除く。)
(a) the matters set forth in the preceding item (excluding the matters set forth in item (i), sub-item (d), (g), and (h) of the preceding paragraph); and
ロ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項(契約の相手方の利益となる変更を加える場合には、当該事項を除く。)
(b) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money (in cases of making changes that are advantageous to the counterparty to the contract, the matter is excluded);
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号に定める事項(前項第一号トに掲げる事項を除く。)
(a) the matters set forth in item (i) (excluding the matters set forth in item (i), sub-item (g) of the preceding paragraph); and
ロ 買戻しに関する事項(契約の相手方の利益となる変更を加える場合には、当該事項を除く。)
(b) the matters related to redemption (in cases of making changes that are advantageous to the counterparty to the contract, the matter is excluded);
四 金銭の貸借の媒介の契約 次に掲げる事項
(iv) a money brokerage agreement: the following matters:
イ 第一号に定める事項(前項第一号ニ、ヘ及びトに掲げる事項を除く。)
(a) the matters specified in item (i) (excluding the matters set forth in item (i), sub-item (d), (f), and (g) of the preceding paragraph);
ロ 媒介手数料の計算の方法(契約の相手方の利益となる変更を加える場合には、媒介手数料の計算の方法を除く。)
(b) the way of calculating the brokerage fees (in cases of making changes that are advantageous to the counterparty to the contract, that matter is excluded);
5 法第十七条第二項後段に規定する内閣府令で定めるときは、次のいずれかのときとする。
(5) The reference, in the second sentence of Article 17, paragraph (2) of the Act, to a case specified by Cabinet Office Order means:
一 極度額(貸金業者が極度方式基本契約の相手方に対し貸付けの元本の上限として極度額を下回る額を提示する場合にあつては、当該下回る額又は極度額)を引き下げたとき。
(i) when the maximum amount is decreased (in cases where the Money Lender makes available to the counterparty to the Basic Contract for a Revolving Credit Loan an amount smaller than the maximum amount as an upper limit on outstanding balance of principal of the Revolving Credit Loan under the Basic Contract for a Revolving Credit Loan, the smaller amount); or
二 極度額(貸金業者が極度方式基本契約の相手方に対し貸付けの元本の上限として極度額を下回る額を提示する場合にあつては、当該下回る額又は極度額)を引き下げた後、元の額を上回らない額まで引き上げたとき。
(ii) when the maximum amount (in cases where the Money Lender makes available to the counterparty to the Basic Contract for a Revolving Credit Loan an amount smaller than the maximum amount as an upper limit on outstanding balance of principal of the Revolving Credit Loan under the Basic Contract for a Revolving Credit Loan, the smaller amount) is increased to an amount not exceeding the original amount after the decrease.
6 法第十七条第三項に規定する内閣府令で定めるものは、次に掲げるものとする。
(6) The reference, in Article 17, paragraph (3) of the Act, to matters specified by Cabinet Office Order means:
一 法第十六条の二第三項各号に掲げる事項
(i) the matters set forth in the items of Article 16-2, paragraph (3) of the Act; and
二 保証契約の契約年月日
(ii) the date of guarantee contract.
7 法第十七条第三項後段に規定する内閣府令で定める事項は、次の各号に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(7) The reference, in the second sentence of Article 17, paragraph (3) of the Act, to matters specified by Cabinet Office Order means the matters that each of the following items prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover:
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 法第十六条の二第三項第二号、第三号若しくは第五号に掲げる事項又は第十二条の二第三項第一号ハ若しくはタ若しくは第五項第二号、第六号、第八号若しくは第十一号に掲げる事項(これらの事項について契約の相手方の利益となる変更を加える場合には、当該事項を除く。)
(a) the matters set forth in Article 16-2, paragraph (3), item (ii), (iii) or (v) of the Act, or the matters set forth in Article 12-2, paragraph (3), item (i), sub-item (c) or (p), or paragraph (5), item (ii), (vi), (viii), or (xi) (in cases of making changes that are advantageous to the counterparty to the contract with regard to these matters, the matters are excluded);
ロ 第十二条の二第五項第一号、第七号又は第九号(第九号にあつては、保証契約に基づく債権につき物的担保を供させるときに限る。)に掲げる事項
(b) the matters set forth in Article 12-2, paragraph (5), item (i), (vii), or (ix) (in cases of item (ix), limited to cases where requiring the provision of physical collateral for the claim under the guarantee contract);
二 手形の割引の契約 前号に定める事項
(ii) a contract on the discount of negotiable instruments: the matters specified in the preceding item:
三 売渡担保の契約 第一号に定める事項
(iii) a contract on collateral by sale: the matters specified in item (i): and
四 金銭の貸借の媒介の契約 第一号に定める事項
(iv) a money brokerage agreement: the matters set forth in item (i).
8 貸金業者は、法第十七条第四項前段の規定により、同条第一項各号に掲げる事項について当該貸付けに係る契約の内容を明らかにする書面を保証人に交付する場合において、保証の対象となる貸付けに係る契約が二以上あるときは、当該契約ごとに当該各号に掲げる事項を記載しなければならない。
(8) In cases where a Money Lender, pursuant to the first sentence of Article 17, paragraph (4) of the Act, delivers to the guarantor a document disclosing the contents of the relevant loan contract in regard to the matters set forth in the items of Article 17, paragraph (1) of the Act, and where there are two or more loan contracts to be covered by guarantee, the Money Lender must state the matters set forth in the respective items for each loan contract.
9 貸金業者は、法第十七条第四項前段の規定により、同条第一項各号に掲げる事項について当該貸付けに係る契約の内容を明らかにする書面を保証人に交付する場合においては、保証の対象となる貸付けに係る契約を締結するごとに、遅滞なく、当該書面を交付しなければならない。
(9) In cases where a Money Lender, pursuant to the first sentence of Article 17, paragraph (4) of the Act, delivers to the guarantor a document disclosing the contents of the relevant loan contract in regard to the matters set forth in the items of Article 17, paragraph (1) of the Act, the Money Lender must deliver the documents each time it concludes a loan contract to be covered by guarantee, without delay.
10 法第十七条第四項後段に規定する内閣府令で定める事項は、第二項に定める事項(当該事項の変更の内容が同条第五項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(10) The reference, in the second sentence of Article 17, paragraph (4) of the Act, to matters specified by Cabinet Office Order means the matters specified in paragraph (2) (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of paragraph (5) of that Article, the relevant matters are excluded).
11 貸金業者は、法第十七条第五項前段の規定により、同条第二項各号に掲げる事項について当該極度方式基本契約の内容を明らかにする書面を保証人に交付する場合において、保証の対象となる極度方式基本契約が二以上あるときは、当該極度方式基本契約ごとに当該各号に掲げる事項を記載しなければならない。
(11) In cases where a Money Lender, pursuant to the first sentence of Article 17, paragraph (5) of the Act, delivers to the guarantor a document disclosing the contents of the relevant Basic Contract for a Revolving Credit Loan in regard to the matters set forth in the items of Article 17, paragraph (2) of the Act, and where there are two or more Basic Contracts of Revolving Credit Loans to be covered by guarantee, the relevant Money Lender must state the matters set forth in that items for each Basic Contract for a Revolving Credit Loan.
12 法第十七条第五項後段に規定する内閣府令で定める事項は、第四項に定める事項とする。
(12) The reference, in the second sentence of Article 17, paragraph (5) of the Act, to matters specified by Cabinet Office Order means the matters specified in paragraph (4).
13 法第十七条第五項後段に規定する内閣府令で定めるときは、第五項に定めるときとする。
(13) The reference, in the second sentence of Article 17, paragraph (5) of the Act, to cases specified by Cabinet Office Order means the cases specified in paragraph (5).
14 第十一条第四項の規定は、貸金業者が法第十七条第一項から第五項までの規定により交付すべき書面を作成する場合について準用する。
(14) The provisions of Article 11, paragraph (4) apply mutatis mutandis to the cases where the Money Lender prepares the documents to be delivered pursuant to Article 17, paragraphs (1) through (5) of the Act.
15 法第十七条第一項から第五項までに規定する書面には、当該各項に規定する事項を日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に記載しなければならない。
(15) The matters prescribed in Article 17, paragraphs (1) through (5) of the Act must be stated clearly and accurately using characters, letters and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305 in the documents prescribed in that paragraphs.
16 法第十七条第六項に規定する内閣府令で定める書面は、次の各号に掲げる貸付けに係る契約の区分に応じ、一月以内で貸金業者が定める一定期間における貸付け及び弁済その他の取引の状況について日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に当該各号に定める事項(一定期間において貸付けに係る契約を締結していない場合にあつては第一号ハからリまで及びルからナまでに掲げる事項、第二号イに掲げる事項(第一号ハからリまで、ル、ワ及びタからツまでに掲げる事項に限る。)、同号ロ及びハに掲げる事項、第三号イに掲げる事項(第一号ハからリまで、ルからワまで、ヨからツまで及びナに掲げる事項に限る。)、同号ロ及びハに掲げる事項並びに第四号イに掲げる事項(第一号ハからリまで、ル及びヨからツまでに掲げる事項に限る。)及び同号ロに掲げる事項を除き、弁済を受領していない場合にあつては第一号ラからヰまでに掲げる事項、第二号イに掲げる事項(第一号ラからヰまでに掲げる事項に限る。)、第三号イに掲げる事項(第一号ラからヰまでに掲げる事項に限る。)及び第四号イに掲げる事項(第一号ラからウまでに掲げる事項に限る。)を除く。)を記載した書面とする。
(16) The reference, in Article 17, paragraph (6) of the Act, to documents specified by Cabinet Office Order means documents in which the matters that each of the following items prescribes are stated clearly and accurately using characters, letters and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305, with regard to the Loan, performance and any other situation of transaction made within a fixed period specified by the Money Lender of within one month for the categories of loan contracts set forth in the following items (excluding, in cases where a loan contract is not concluded within a certain period, the matters set forth in item (i), sub-items (c) through (i) and (k) through (u), the matters set forth in item (ii), sub-item (a) (limited to the matters set forth in item (i), sub-items (c) through (i), (k), (m) and (p) through (s)), the matters set forth in item (ii), sub-items (b) and (c), the matters set forth in item (iii), sub-item (a) (limited to the matters set forth in item (i), sub-items (c) through (i), (k) through (m), (o) through (s) and (u)), the matters set forth in item (iii), sub-items (b) and (c), the matters set forth in item (iv), sub-item (a) (limited to the matters set forth in item (i), sub-items (c) through (i), (k) and (o) through (s)), and the matters set forth in item (iv), sub-item (b), and in cases where the performance is not received, the matters set forth in item (i), sub-items (v) through (y), the matters set forth in item (ii), sub-item (a) (limited to the matters set forth in item (i), sub-items (v) through (y)), the matters set forth in item (iii), sub-item (a) (limited to the matters set forth in item (i), sub-items (v) through (y)), and the matters set forth in item (iv), sub-item (a) (limited to the matters set forth in item (i), sub-items (v) through (x))):
一 金銭の貸付けに係る契約(次号及び第三号に掲げる契約を除く。) 次に掲げる事項
(i) a contract of money loan (excluding the contracts set forth in the following item and item (iii)): the following matters:
イ 貸金業者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the Money Lender;
ロ 極度方式基本契約の契約年月日
(b) the date of Basic Contract for a Revolving Credit Loan;
ハ 極度方式基本契約の極度額(貸金業者が極度方式基本契約の相手方に対し貸付けの元本の残高の上限として極度額を下回る額を提示している場合にあつては、当該下回る額及び極度額)
(c) the maximum amount under the Basic Contract for a Revolving Credit Loan (in cases where the Money Lender has made available to the counterparty to the Basic Contract for a Revolving Credit Loan an amount smaller than the maximum amount as an upper limit on outstanding balance of principal of the Revolving Credit Loan under the Basic Contract for a Revolving Credit Loan, the smaller amount);
ニ 一定期間に締結した極度方式貸付けに係る契約に係るそれぞれの契約の契約年月日
(d) the date of contract for each contract for a Revolving Credit Loan concluded within a certain period;
ホ 一定期間に締結した極度方式貸付けに係る契約に係るそれぞれの貸付けの金額(保証契約にあつては、保証に係る貸付けの金額)
(e) the amount of Loan for each contract for a Revolving Credit Loan concluded within a certain period (in cases of a guarantee contract, the amount of Loan related to guarantee);
ヘ 貸付けの利率
(f) Loan Interest Rate;
ト 返済の方式
(g) the method of repayment;
チ 一定期間に締結したそれぞれの極度方式貸付けに係る契約の返済期間及び返済回数(それぞれの極度方式貸付けに係る契約の返済期間及び返済回数の記載に代えて、一定期間の最後の日における同一の極度方式基本契約に基づく残存する債務(同一の極度方式基本契約に基づく返済の条件が同種の極度方式貸付けに係る契約の債務が複数残存するときは、合わせた債務)の将来の返済期間及び返済回数を記載することができる。)
(h) the repayment period and number of repayment installments for each contract for a Revolving Credit Loan concluded within a certain period (in lieu of the statement of repayment period and number of repayment installments for each contract for a Revolving Credit Loan, the future repayment period and number of repayment installments under the remaining obligation under the same Basic Contract for a Revolving Credit Loan (in cases where two or more obligations under the contract for a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan and having the same conditions remain, the combined obligation) as of the last day of the certain period may be stated);
リ 賠償額の予定に関する定めがあるときは、その内容
(i) in cases where any agreement for liquidated damages is provided, the details thereof;
ヌ 契約の相手方の商号、名称又は氏名及び住所(当該契約の契約番号その他をもつて代えることができる。)
(j) the trade name or name and address of the counterparty to the contract (the information may be substituted by the contract number of the relevant contract and any other information);
ル 極度方式貸付けに関し貸金業者が受け取る書面(極度方式基本契約に関し貸金業者が受け取る書面を除く。)の内容
(k) the contents of the documents to be received by the Money Lender in relation to the Revolving Credit Loan (excluding documents to be received by the Money Lender in relation to the Basic Contract for a Revolving Credit Loan);
ヲ 債務者が負担すべき元本及び利息以外の金銭に関する事項
(l) the matters concerning the money other than the principal or interest, to be borne by the obligor;
ワ 利息の計算の方法(法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(m) the method of calculation of the interest (in cases where the method is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, or where the method is more favorable to the counterparty to the contract than the one stated therein, the statement of the method may be omitted);
カ 返済の方法及び返済を受ける場所(法第十七条第二項の規定により交付する書面に記載されているときは、記載を省略することができる。)
(n) the method of repayment and the place to receive the repayment (in cases where the information is stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act, the statement of the information may be omitted);
ヨ 一定期間に締結したそれぞれの極度方式貸付けに係る契約の各回の返済期日及び返済金額又は次回の返済期日及び返済金額(当該契約と同一の極度方式基本契約に基づく返済の条件が同種の他の極度方式貸付けに係る契約の債務が残存するときは、締結した極度方式貸付けに係る契約の各回の返済期日及び返済金額の記載に代えて、残存する債務と合わせた債務に係る将来の各回の返済期日及び返済金額を、当該契約の次回の返済期日及び返済金額の記載に代えて、残存する債務と合わせた債務に係る次回の返済期日及び返済金額を記載することができる。)(それぞれの極度方式貸付けに係る契約の各回の返済期日及び返済金額又は次回の返済期日及び返済金額の記載に代えて、一定期間の最後の日における残存する債務(同一の極度方式基本契約に基づく返済の条件が同種の極度方式貸付けに係る契約の債務が複数残存するときは、合わせた債務)の将来の各回の返済期日及び返済金額又は次回の返済期日及び返済金額を記載することができる。)
(o) each repayment date and repayment amount or the next repayment due date and repayment amount for each contract for a Revolving Credit Loan concluded within a certain period (in cases where the obligation under the contract for a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan and having the same conditions of repayment as the relevant contract, the each repayment due date and repayment amount in the future under the obligations including the remaining obligation may be stated in lieu of the statement of each repayment due date and repayment amount under the concluded contract for a Revolving Credit Loan, and the next repayment due date and repayment amount under the obligations including the remaining obligation may be stated in lieu of the statement of the next repayment due date and repayment amount under the relevant contract) (in lieu of the statement of each repayment due date and repayment amount or next repayment due date and repayment amount for each contract for a Revolving Credit Loan, each repayment due date and repayment amount or next repayment due date and repayment amount in the future under the remaining obligation (in cases where two or more obligations under the contract for a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan and having the same conditions of repayment remain, the combined obligation) as of the last day of the certain period may be stated);
タ 契約上、返済期日前の返済ができるか否か及び返済ができるときは、その内容(法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(p) information as to whether repayment before the repayment due date is possible or not under the contract, and if possible, the details thereof (in cases where the information is stated in the documents to be delivered pursuant Article 17, paragraph (2) of the Act, or where the information is more favorable to the counterparty to the contract than the one stated therein, the statement of the information may be omitted);
レ 期限の利益の喪失の定めがあるときは、その旨及びその内容(法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(q) in cases where there are provisions on the forfeiture of benefit of time, the fact and the details thereof (in cases where the information is stated in the documents to be delivered pursuant Article 17, paragraph (2) of the Act, or where the information is more favorable to the counterparty to the contract than the one stated therein, the statement of the information may be omitted);
ソ 当該契約に基づく債権につき物的担保を供させるときは、当該担保の内容(法第十七条第二項の規定により交付する書面に記載されている物的担保については、記載を省略することができる。)
(r) in cases where requiring the provision of physical collateral for the claim under the relevant contract, the details of the collateral (statements of the physical collateral stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act may be omitted);
ツ 当該契約について保証契約を締結するときは、保証人の商号、名称又は氏名及び住所(法第十七条第二項の規定により交付する書面に記載されている保証人については、記載を省略することができる。)
(s) in cases where a guarantee contract is to be concluded for the relevant contract, the trade name, name and address of the guarantor (statements of the guarantor stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act may be omitted);
ネ 一定期間に締結したそれぞれの極度方式貸付けに係る契約が、従前の貸付けの契約に基づく債務の残高を貸付金額とする貸付けに係る契約であるときは、従前の貸付けの契約に基づく債務の残高の内訳(元本、利息及び当該貸付けの契約に基づく債務の不履行による賠償額の別をいう。)及び当該貸付けの契約を特定し得る事項(極度方式貸付けに係る契約を締結する場合において、当該契約と同一の極度方式基本契約に基づいた従前の極度方式貸付けに係る契約に基づく債務の残高を貸付金額とする貸付けに係る契約であるときは、記載を省略することができる。)
(t) in cases where each contract for a Revolving Credit Loan concluded within a certain period is a loan contract which has the outstanding balance of the obligation under the previous Contract for a Loan as the Loan amount thereof, the Breakdown (meaning the information on composition of the outstanding balance, such as the principal, interest and damages for the default under the relevant Contract for a Loan) of the outstanding balance of the obligation under the previous Contract for a Loan, and the matters which enables to specify the relevant Contract for a Loan (in cases of concluding a contract for a Revolving Credit Loan, and if the contract for a Revolving Credit Loan is a loan contract which has the outstanding balance of the obligation under the previous contract for a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan as the relevant contract as the Loan amount, the statement of the information may be omitted);
ナ 一定期間に締結したそれぞれの極度方式貸付けに係る契約に係る将来支払う返済金額の合計額(当該契約と同一の極度方式基本契約に基づく返済の条件が同種の他の極度方式貸付けに係る契約の債務が残存するときは、将来支払う返済金額の合計額の記載に代えて、残存する債務と合わせた債務の将来支払う返済金額の合計額を記載することができる。)(それぞれの極度方式貸付けに係る契約の将来支払う返済金額の合計額の記載に代えて、一定期間の最後の日における同一の極度方式基本契約に基づく残存する債務(同一の極度方式基本契約に基づく返済の条件が同種の極度方式貸付けに係る契約の債務が複数残存するときは、合わせた債務)の将来支払う返済金額の合計額を記載することができる。)(貸付けに係る契約を締結した時点において将来支払う返済金額の額が定まらないときは、各回の返済期日に最低返済金額を支払うことその他の必要な仮定を置き、当該仮定に基づいた合計額及び当該仮定)
(u) the total repayment amount to be paid in the future under each contract for a Revolving Credit Loan concluded within a certain period (in cases where an obligation under the contract for a Revolving Credit Loan other than the relevant contract for a Revolving Credit Loan but based on the same Basic Contract of Revolving Credit Loan thereof and having the conditions of repayment as the relevant contract remains, in lieu of the statement of the total repayment amount to be paid in the future, the total repayment amount to be paid in the future under the obligation including the remaining obligation may be stated) (in lieu of the statement of total repayment amount to be paid in the future for each contract for a Revolving Credit Loan, the total repayment amount to be paid in the future under the remaining obligation (in cases where two or more obligations under the contract of Revolving Credit Loan based on the same Basic Contract of Revolving Credit Loan and having same the conditions of repayment remain, the combined obligation) as of the last day of the certain period may be stated) (in cases where the repayment amount to be paid in the future is not fixed at the time of concluding the loan contract, the total amount based on an assumption that the obligor pays the minimum repayment amount at the repayment date for each repayment installment or any other necessary assumption, and the assumption);
ラ 一定期間に受領したそれぞれの弁済に係る貸付けの金額(保証契約にあつては、保証に係る貸付けの金額)(当該弁済に係る貸付けが複数あるときは、弁済に係る貸付けの金額に代えて、最後の貸付けに係る貸付けの金額とその時点において残存する当該貸付けと同一の極度方式基本契約に基づく他の返済の条件が同種の極度方式貸付けの債務の合計額を記載することができる。)
(v) amount of Loan for each performance received within a certain period (in cases of a guarantee contract, the amount of Loan related to guarantee) (in cases where there are two or more Loans related to the relevant performance, in lieu of the amount of Loan related to performance, the total of the amount of Loan under the last Loan and the obligation under a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan and having other conditions of repayment same as the relevant Loan that remains as of that time may be stated);
ム 一定期間に受領したそれぞれの弁済に係る受領金額(当該書面の交付を受ける者以外の者が債務の弁済をした場合には、その受領金額及びその旨)及び利息、賠償額の予定に基づく賠償金若しくは元本への充当額
(w) the amount received (in cases where a person other than the one that receives the delivery of the relevant documents has made the performance of obligation, the amount received thereof and the fact) and the interest, amount of damages based on the agreement for liquidated damages or the amount applied to the principal for each performance received within a certain period;
ウ 一定期間に受領したそれぞれの弁済に係る受領年月日
(x) the date of receipt for each performance received within a certain period;
ヰ 一定期間に受領したそれぞれの弁済に係る弁済後の残存債務の額(当該弁済に係る極度方式貸付けに係る契約と同一の極度方式基本契約に基づく他の返済の条件が同種の極度方式貸付けに係る契約の債務が残存するときは、弁済後の残存債務の額の記載に代えて、残存する債務と合わせた債務の額を記載することができる。)(それぞれの弁済に係る弁済後の残存債務の額の記載に代えて、一定期間の最後の日における同一の極度方式基本契約に基づく残存する債務(同一の極度方式基本契約に基づく返済の条件が同種の極度方式貸付けに係る契約の債務が複数残存するときは、合わせた債務)の額を記載することができる。)
(y) the amount of remaining obligation after the performance for each performance received within a certain period (in cases where an obligation under the contract for a Revolving Credit Loan other than the relevant contract for a Revolving Credit Loan related to the performance but based on the same Basic Contract for a Revolving Credit Loan and having other conditions of repayment same as the relevant contract remains, in lieu of the statement of the amount of remaining obligations after the performance, the amount of obligations including the remaining obligation may be stated) (in lieu of the statement of the amount of remaining obligations after the performance for each performance, the amount of remaining obligations based on the same Basic Contact of Revolving Credit Loan (in cases where two or more obligations under the contract for a Revolving Credit Loan based on the same Basic Contract for a Revolving Credit Loan and having the same conditions of repayment remain, the combined obligations) as of the last day of the certain period may be stated);
ノ 次に掲げる場合の区分に応じ、それぞれ次に定める事項
(z) the matters that each of the following clauses prescribes for the category of cases set forth in that clause:
(1) 指定紛争解決機関が存在する場合 貸金業者が法第十二条の二の二第一項第一号に定める手続実施基本契約を締結する措置を講ずる当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称
1. in cases where there is a Designated Dispute Resolution Organization: the trade name or name of the Designated Dispute Resolution Organization with regard to whom the Money Lender takes the measure to conclude a Basic Contract for Implementation of Dispute Resolution Procedures as prescribed in Article 12-2-2, paragraph (1), item (i) of the Act, and that is the counterparty to the Basic Contract for Implementation of Dispute Resolution Procedures; and
(2) 指定紛争解決機関が存在しない場合 貸金業者の法第十二条の二の二第一項第二号に定める苦情処理措置及び紛争解決措置の内容
2. in cases where there is no Designated Dispute Resolution Organization: the content of the Complaint Processing Measures and Dispute Resolution Measures prescribed in Article 12-2-2, paragraph (1), item (ii) of the Act to be taken by the Money Lender.
二 手形の割引の契約 次に掲げる事項
(ii) a contract on the discount of negotiable instruments: the following matters:
イ 前号に定める事項(同号ヲ、カ、ヨ、ネ及びナに掲げる事項を除く。)
(a) the matters specified in the preceding item (excluding the matters set forth in sub-item (l), (n), (o), (t), and (u) of that item);
ロ 割り引いた手形の手形番号、手形金額及び満期
(b) the negotiable instrument number of the discounted negotiable instrument, and the amount and maturity of the relevant negotiable instrument;
ハ 割引に関し貸金業者の受ける割引料その他の金銭に関する事項
(c) the discount fees to be received by the Money Lender in relation to the discount, and any other matters related to money;
三 売渡担保の契約 次に掲げる事項
(iii) a contract on collateral by sale: the following matters:
イ 第一号に定める事項(同号カ及びネに掲げる事項を除く。)
(a) the matters set forth in item (i) (excluding the matters set forth in sub-items (n) and (t) of that item); and
ロ 買戻しに関する事項(法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)
(b) the matters related to redemption (in cases where the information is stated in the documents to be delivered pursuant Article 17, paragraph (2) of the Act, or where the information is more favorable to the counterparty to the contract than the one stated therein, the statement of the information may be omitted);
ハ 売渡目的物の内容(法第十七条第二項の規定により交付する書面に記載されている売渡目的物については、記載を省略することができる。)
(c) the details of the subject matter of the collateral by sale (statements of the subject matter of the collateral by sale stated in the documents to be delivered pursuant to Article 17, paragraph (2) of the Act may be omitted);
四 金銭の貸借の媒介の契約 次に掲げる事項
(iv) a money brokerage agreement: the following matters.
イ 第一号に定める事項(同号ヲからカまで、ネ、ナ及びヰに掲げる事項を除く。)
(a) the matters specified in item (i) (excluding the matters set forth in sub-items (l) through (n), (t), (u) and (y) of that item);
ロ 媒介手数料の計算の方法(法第十七条第二項の規定により交付する書面に記載されているとき、又は記載されているものより契約の相手方に有利なものであるときは、記載を省略することができる。)及びその金額
(b) the method of calculation of brokerage fees (in cases where the information is stated in the documents to be delivered pursuant Article 17, paragraph (2) of the Act, or where the information is more favorable to the counterparty to the contract than the one stated therein, the statement of the information may be omitted), and the amount thereof.
17 前項の書面は、一定期間において貸付けに係る契約を締結したとき又は弁済を受領したときに、当該一定期間について当該一定期間の最後の日から一月以内に交付する(電磁的方法により提供する場合にあつては、送信し、閲覧に供し、又は交付する)ものとする。
(17) If a loan contract is concluded or a payment is received within a certain period, the documents referred to in the preceding paragraph which relate to that certain period must be delivered (or, sent, offered for inspection or delivered, if the document is provided by electronic or magnetic means) within one month from the last day of the certain period.
18 第十一条第四項の規定は、貸金業者が第十六項の書面を作成する場合について準用する。
(18) The provisions of Article 11, paragraph (4) apply mutatis mutandis to the case where the Money Lender prepares the documents set forth in paragraph (16).
第十四条 削除
Article 14 Deleted
(受取証書の交付)
(Delivery of Receipt)
第十五条 法第十八条第一項第六号に規定する内閣府令で定める事項は、次に掲げる事項(金銭の貸借の媒介手数料を受領したときにあつては、第五号に掲げる事項を除く。)とする。
Article 15 (1) The reference, in Article 18, paragraph (1), item (vi) of the Act, to matters specified by Cabinet Office Order means the following matters (in cases of receiving brokerage fees for money brokerage, excluding the matters set forth in item (v)):
一 弁済を受けた旨を示す文字
(i) characters or letters indicating to the receipt of performance;
二 貸金業者の登録番号
(ii) the registration number of the Money Lender;
三 債務者の商号、名称又は氏名
(iii) the trade name or name of the obligor;
四 債務者(貸付けに係る契約について保証契約を締結したときにあつては、主たる債務者)以外の者が債務の弁済をした場合においては、その者の商号、名称又は氏名
(iv) in cases where persons other than the obligor (in cases where a guarantee contract has been concluded for the loan contract, the principal obligor) has made the performance of obligations, the trade name or name of the person; and
五 当該弁済後の残存債務の額
(v) the amount of remaining obligations after the relevant performance.
2 前項第二号及び第三号に掲げる事項については、弁済を受けた債権に係る貸付けの契約を契約番号その他により明示することをもつて、当該事項の記載に代えることができる。
(2) With regard to the matters set forth in items (ii) and (iii) of the preceding paragraph, the statement of the matters may be substituted by the clear indication of the contract number of the Contract for a Loan related to the claim for which performance was made and other matters.
3 法第十八条第一項に規定する書面には、同項各号に規定する事項を日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に記載しなければならない。
(3) The matters prescribed in the items of Article 18, paragraph (1) of the Act must be stated clearly and accurately using characters, letters and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305 in the documents prescribed in that paragraph.
4 法第十八条第三項に規定する内閣府令で定める書面は、弁済に係る第十三条第十六項各号に掲げる貸付けに係る契約の区分に応じ、一月以内で貸金業者が定める一定期間における貸付け及び弁済その他の取引の状況について日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に当該各号に定める事項(同項第一号ノに掲げる事項を除くほか、一定期間において貸付けに係る契約を締結していない場合にあつては同号ハからリまで及びルからナまでに掲げる事項、同項第二号イに掲げる事項(同項第一号ハからリまで、ル、ワ及びタからツまでに掲げる事項に限る。)、同項第二号ロ及びハに掲げる事項、同項第三号イに掲げる事項(同項第一号ハからリまで、ルからワまで、ヨからツまで及びナに掲げる事項に限る。)、同項第三号ロ及びハに掲げる事項並びに同項第四号イに掲げる事項(同項第一号ハからリまで、ル及びヨからツまでに掲げる事項に限る。)及び同項第四号ロに掲げる事項を除き、弁済を受領していない場合にあつては同項第一号ラからヰまでに掲げる事項、同項第二号イに掲げる事項(同項第一号ラからヰまでに掲げる事項に限る。)、同項第三号イに掲げる事項(同項第一号ラからヰまでに掲げる事項に限る。)及び同項第四号イに掲げる事項(同項第一号ラからウまでに掲げる事項に限る。)を除く。)を記載した書面とする。
(4) The reference, in Article 18, paragraph (3) of the Act, to documents specified by Cabinet Office Order means documents in which the matters that the items of Article 13, paragraph (16) prescribes are stated clearly and accurately in characters, letters and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305, with regard to the Loan, performance and any other situation of transaction made within the fixed period specified by the Money Lender of within one month, for the categories of loan contracts set forth in the performance-related items of that paragraph (beyond excluding the matters set forth in item (i), sub-item (z) of that paragraph, excluding, in cases where a loan contract is not concluded within a certain period, the matters set forth in, sub-items (c) through (i) and (k) through (u) of that item, the matters set forth in item (ii), sub-item (a) of that paragraph (limited to the matters set forth in item (i), sub-items (c) through (i), (k), (m) and (p) through (s) of that paragraph), the matters set forth in item (ii), sub-items (b) and (c) of that paragraph, the matters set forth in item (iii), sub-item (a) of that paragraph (limited to the matters set forth in item (i), sub-items (c) through (i), (k) through (m), (o) through (s) and (u) of that paragraph), the matters set forth in item (iii), sub-items (b) and (c) of that paragraph, the matters set forth in item (iv), sub-item (a) of that paragraph (limited to the matters set forth in item (i), sub-items (c) through (i), (k) and (o) through (s) of that paragraph), and the matters set forth in item (iv), sub-item (b) of that paragraph, and in cases where the performance is not received, the matters set forth in item (i), sub-items (v) through (y) of that paragraph, the matters set forth in item (ii), sub-item (a) of that paragraph (limited to the matters set forth in item (i), sub-items (v) through (y) of that paragraph), the matters set forth in item (iii), sub-item (a) of that paragraph (limited to the matters set forth in item (i), sub-items (v) through (y) of that paragraph), and the matters set forth in item (iv), sub-item (a) of that paragraph (limited to the matters set forth in item (i), sub-items (v) through (x) of that paragraph)):
5 前項の書面は、一定期間において貸付けに係る契約を締結したとき又は弁済を受領したときに、当該一定期間について当該一定期間の最後の日から一月以内に交付する(電磁的方法により提供する場合にあつては、送信し、閲覧に供し、又は交付する)ものとする。
(5) If a loan contract is concluded or a payment is received within a certain period, the documents under the preceding paragraph which relate to that certain period must be delivered (or, sent, offered for inspection or delivered, if the documents are provided by electronic or magnetic means) within one month from the last day of the relevant certain period.
6 第十一条第四項の規定は、貸金業者が第三項の書面を作成する場合について準用する。
(6) The provisions of Article 11, paragraph (4) apply mutatis mutandis to the case where the Money Lender prepares the documents set forth in paragraph (3).
(帳簿の備付け)
(Keeping of Books)
第十六条 法第十九条に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 16 (1) The reference, in Article 19 of the Act, to matters specified by Cabinet Office Order means:
一 法第十七条第一項第四号から第八号までに掲げる事項(第十三条第一項第一号イ、ホ、ト及びヨからソまで(手形の割引にあつてはイ、レ及びソに限り、売渡担保にあつてはイ及びタからソまでに限り、金銭の貸借の媒介にあつてはイ、ヨ、レ及びソに限る。)に掲げる事項を除き、極度方式貸付けに係る契約にあつては次号に掲げる事項と同一の内容のものを除く。)
(i) the matters set forth in Article 17, paragraph (1), items (iv) through (viii) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (a), (e), (g), (o) through (r) (limited to, in cases of a discount of negotiable instrument, sub-items (a), (q) and (r); in cases of collateral by sale, sub-items (a), and (p) through (r); and in cases of money brokerage, sub-items (a), (o), (q) and (r)), and in cases of a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in the following item);
二 法第十七条第二項第二号から第七号までに掲げる事項(第十三条第三項第一号イ、ホ、ト及びカからソまで(手形の割引にあつてはイ、レ及びソに限り、売渡担保にあつてはイ及びヨからソまでに限り、金銭の貸借の媒介にあつてはイ、カ及びタからソまでに限る。)並びに第二号ハに掲げる事項を除く。)
(ii) the matters set forth in Article 17, paragraph (2), items (ii) through (vii) of the Act (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-items (a), (e), and (n) through (r) (limited to, in cases of a discount of a negotiable instrument, sub-items (a), (q) and (r); in cases of collateral by sale, sub-items (a) and (o) through (q); and in cases of money brokerage, sub-items (a), (n), and (p) through (r)), and item (ii), sub-item (c));
三 貸付けに係る契約について保証契約を締結したときは、法第十七条第三項に掲げる事項(第十二条の二第五項第七号及び第十二号から第十四号までに掲げる事項を除く。)
(iii) in cases where a guarantee contract is concluded for the loan contract, the matters set forth in Article 17, paragraph (3) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (vii), and (xii) through (xiv));
四 貸付けの契約に基づく債権の全部又は一部について弁済を受けたときは、各回の弁済に係る法第十八条第一項第四号及び第五号並びに前条第一項第五号(金銭の貸借の媒介にあつては、法第十八条第一項第五号に限る。)に掲げる事項
(iv) in cases where the Money Lender has received performance of all or part of the claim under the Contract for a Loan, the matters set forth in Article 18, paragraph (1), items (iv) and (v) of the Act and paragraph (1), item (v) of the preceding Article (in cases of money brokerage, limited to Article 18, paragraph (1), item (v) of the Act);
五 貸付けの契約に基づく債権の全部又は一部が弁済以外の事由により消滅したときは、その事由及び年月日並びに残存債権の額
(v) in cases where all or part of the claim under the Contract for a Loan has extinguished on grounds other than performance, the grounds, the date, and the amount of remaining claim;
六 貸付けの契約に基づく債権を他人に譲渡したときは、その者の商号、名称又は氏名及び住所、譲渡年月日並びに当該債権の額
(vi) in cases where assigning the claim under the Contract for a Loan to others, the trade name or name, and address of the person to whom the claim was assigned, as well as the date of assignment and amount of the claim;
七 貸付けの契約に基づく債権に関する債務者等その他の者との交渉の経過の記録
(vii) a record on the course of negotiation with the Obligor, etc. or any other person with regard to the claim under the Contract for a Loan;
八 日賦貸金業者である場合にあつては、次に掲げる事項
(viii) in cases of a Daily Installment Money Lender, the following matters:
イ 貸付けの相手方が主として営む業種
(a) the type of business in which the other party to the Loan mainly engages;
ロ 貸付けの相手方が常時使用する従業員の数
(b) the number of workers regularly used by the other party to the Loan; and
ハ 返済金を貸付けの相手方の営業所又は住所において貸金業者が自ら取り立てるため訪問した年月日
(c) the date on which the Money Lender visited the business office or address of the other party to the Loan for the collection of repayments by the Money Lender itself.
2 第十一条第四項の規定は、貸金業者が法第十九条の帳簿を作成する場合について準用する。
(2) The provisions of Article 11, paragraph (4) of the Act apply mutatis mutandis to the case where the Money Lender prepares the books referred to in Article 19 of the Act.
3 貸金業者は、法第十九条の帳簿を作成するときは、当該帳簿を保存すべき営業所等ごとに次の各号に掲げる書面の写しを保存することをもつて、当該各号に定める事項の記載に代えることができる。
(3) When a Money Lender prepares the books referred to in Article 19 of the Act, the statement of the mattes specified in the following items may be substituted by the preservation of the copy of the documents set forth in the following items for each Business Office, etc. which is to preserve the books:
一 法第十七条第一項の規定により交付すべき書面 第一項第一号に掲げる事項
(i) the documents to be delivered pursuant to Article 17, paragraph (1) of the Act: the matters set forth in paragraph (1), item (i);
二 法第十七条第二項の規定により交付すべき書面 第一項第二号に掲げる事項
(ii) the documents to be delivered pursuant to Article 17, paragraph (2) of the Act: the matters set forth in paragraph (1), item (ii);
三 法第十七条第三項の規定により交付すべき書面 第一項第三号に掲げる事項
(iii) the documents to be delivered pursuant to Article 17, paragraph (3) of the Act: the matters set forth in paragraph (1), item (iii);
四 法第十七条第六項に規定する内閣府令で定める書面 第一項第一号に掲げる事項(当該書面に記載された一定期間に締結した極度方式貸付けに係る契約に係る部分に限る。)
(iv) the documents specified by Cabinet Office Order which are referred to in Article 17, paragraph (6) of the Act: the matters set forth in paragraph (1), item (i) (limited to the part pertaining to the contract for a Revolving Credit Loan concluded within a certain period which is stated in the relevant document); and
五 貸付けの契約に基づく債権の譲渡契約の書面(第一項第六号に掲げる事項を記載したものに限る。) 同号に掲げる事項
(v) the documents of assignment agreement of the claim under the Contract for a Loan (limited to those stating the matters set forth in paragraph (1), item (vi)): the matters set forth in paragraph (1), item (vi).
第十七条 貸金業者は、法第十九条の帳簿を、貸付けの契約ごとに、当該契約に定められた最終の返済期日(当該契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日)から少なくとも十年間保存しなければならない。ただし、極度方式基本契約を締結した場合には、当該極度方式基本契約及び当該極度方式基本契約に基づくすべての極度方式貸付けに係る契約について、当該極度方式基本契約の解除の日又はこれらの契約に定められた最終の返済期日のうち最後のもの(これらの契約に基づく債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうちいずれか遅い日から少なくとも十年間保存しなければならない。
Article 17 (1) A Money Lender must preserve the books referred to in Article 19 of the Act for each Contract for a Loan for at least 10 years from the final repayment due date provided in the relevant contract (in cases where the claim under the relevant contract has extinguished upon performance or on any other grounds, the day on which the claim extinguished); provided, however, that in cases where the Money Lender has concluded a Basic Contract for a Revolving Credit Loan, the Money Lender must preserve the books for the relevant Basic Contract for a Revolving Credit Loan and for all the contracts for Revolving Credit Loans based on the relevant Basic Contract for a Revolving Credit Loan for at least 10 years from the day of cancellation of the relevant Basic Contract for a Revolving Credit Loan, or among the final repayment due dates specified in these contracts, the latest date (in cases where all of the claims under these contracts have extinguished upon performance or on any other grounds, the day on which the claims have extinguished), whichever comes later.
2 貸金業者は、その営業所等が現金自動設備であるときは、帳簿の備付けを行うことを要しない。
(2) In cases where the Business Office, etc. of the Money Lender is an Automatic Cash Machine, the Money Lender is not required to keep books.
(帳簿の閲覧等請求権者)
(Person Entitled to Request the Inspection of Books)
第十七条の二 法第十九条の二に規定する内閣府令で定める者は、次に掲げる者とする。
Article 17-2 The reference, in Article 19-2 of the Act, to persons specified by Cabinet Office Order means:
一 債務者等又は債務者等であつた者の法定代理人、後見監督人、保佐人、保佐監督人、補助人又は補助監督人
(i) a statutory agent, supervisor of guardian, curator, supervisor of curator, assistant, or supervisor of assistant of the Obligor, etc. or a person that was formerly an Obligor, etc.;
二 債務者等又は債務者等であつた者の相続人
(ii) the heir of the Obligor, etc. or a person that was formerly an Obligor, etc.;
三 債務者等若しくは債務者等であつた者のために又は債務者等若しくは債務者等であつた者に代わつて弁済をした者
(iii) a person that made the performance on behalf or in lieu of the Obligor, etc. or a person that was formerly an Obligor, etc.;
四 債務者等若しくは債務者等であつた者又は前各号に掲げる者から法第十九条の二の請求について代理権を付与された者
(iv) a person that has been empowered the right of representation for the request under Article 19-2 of the Act from an Obligor, etc. or a person that was formerly an Obligor, etc. or the persons set forth in the preceding items.
(帳簿の閲覧方法)
(Method of Inspection of Books)
第十七条の三 貸金業者は、法第十九条の規定に基づき、同条の帳簿をその営業所等ごとに備え置き、法第十九条の二に規定するときを除くほか、その営業時間内に、請求者の請求に応じて閲覧又は謄写をさせなければならない。
Article 17-3 A Money Lender must keep the books referred to in Article 19 of the Act based on the provisions of that Article, and except in the cases provided in Article 19-2 of the Act, must allow a person requesting to inspect or copy them to do so during its business hours.
(特定公正証書の作成に係る説明事項)
(Matters to be Explained In Regard to the Preparation of Specified Notarized Deeds)
第十八条 法第二十条第三項第二号に規定する内閣府令で定めるものは、特定公正証書に記載された内容の債務の不履行の場合には、貸金業者は、訴訟の提起を行わずに、特定公正証書により債務者等の財産に対する強制執行をすることができる旨とする。
Article 18 (1) The reference, in Article 20, paragraph (3), item (ii) of the Act, to matters specified by Cabinet Office Order means, in cases of failure to perform the obligations stated in the Specified Notarized Deeds, a statement to the effect that a Money Lender may carry out a compulsory execution against the assets of the Obligor, etc. pursuant to the Specified Notarized Deeds without the filing of a lawsuit.
2 法第二十条第三項に規定する書面には、同項各号に掲げる事項を日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に記載しなければならない。
(2) The matters set forth in the items of Article 20, paragraph (3) of the Act must be stated clearly and accurately using characters, letters and numbers larger than 8-point as provided in Japanese Industrialized Standard Z8305 in the documents prescribed in that paragraph.
(取立て行為の規制)
(Restrictions on Acts of Collection)
第十九条 法第二十一条第一項第一号(法第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項、第二十四条の五第二項及び第二十四条の六において準用する場合を含む。)に規定する内閣府令で定める時間帯は、午後九時から午前八時までの間とする。
Article 19 (1) The reference, in Article 21, paragraph (1), item (i) of the Act (including the cases where it is applied mutatis mutandis pursuant to Article 24, paragraph (2), Article 24-2, paragraph (2), Article 24-3, paragraph (2), Article 24-4, paragraph (2), Article 24-5, paragraph (2) and Article 24-6 of the Act), to hours specified by Cabinet Office Order means the hours between 9 p.m. and 8 a.m.
2 貸金業を営む者又は貸金業を営む者の貸付けの契約に基づく債権の取立てについて貸金業を営む者その他の者から委託を受けた者は、法第二十一条第二項(法第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項、第二十四条の五第二項及び第二十四条の六において準用する場合を含む。)の規定により、債務者等に対し、支払を催告するために書面又はこれに代わる電磁的記録を送付するときは、当該書面に封をする方法、本人のみが使用していることが明らかな電子メールアドレスに電子メールを送付する方法その他の債務者の借入れに関する事実が債務者等以外の者に明らかにならない方法により行わなければならない。
(2) When sending documents demanding payment or electronic or magnetic records in lieu thereof to the Obligor, etc. pursuant to the provisions of Article 21, paragraph (2) of the Act (including the cases where it is applied mutatis mutandis pursuant to Article 24, paragraph (2), Article 24-2, paragraph (2), Article 24-3, paragraph (2), Article 24-4, paragraph (2), Article 24-5, paragraph (2) and Article 24-6 of the Act), a person in the Money Lending Business or a person entrusted by a person in the Money Lending Business or any other person with collecting on claims under a Contract for a Loan made by a person in the Money Lending Business must put the documents in an envelope, send an E-mail to an E-mail address that is clearly used only by the Obligor, etc., or otherwise send the demand in a such a way that the facts of borrowings of the obligor will not be disclosed to persons other than the Obligor, etc.
3 法第二十一条第二項第八号(法第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項、第二十四条の五第二項及び第二十四条の六において準用する場合を含む。)に規定する内閣府令で定める事項は、次に掲げる事項とする。
(3) The reference, in Article 21, paragraph (2), item (viii) of the Act (including the cases where it is applied mutatis mutandis pursuant to Article 24, paragraph (2), Article 24-2, paragraph (2), Article 24-3, paragraph (2), Article 24-4, paragraph (2), Article 24-5, paragraph (2) and Article 24-6 of the Act), to matters specified by Cabinet Office Order means:
一 支払の催告時における当該催告に係る残存債務の額
(i) the amount of remaining obligations related to the relevant demand at the time of demand of payment;
二 支払を催告する金額の内訳(元本、利息及び債務の不履行による賠償額の別をいう。)
(ii) the Breakdown (meaning the information on composition of the outstanding balance, such as the principal, interest and damages for the default under the relevant loan contract) of the amount that the person is being demanded to pay;
三 書面又はこれに代わる電磁的記録を保証人に対し送付する場合にあつては、保証契約の契約年月日及び保証債務の極度額その他の保証人が負担する債務の範囲
(iii) in cases of sending documents or electronic or magnetic records in lieu thereof to the guarantor, the date of the guarantee contract, maximum amount of the guarantee obligation, and the scope of obligation to be borne by the guarantor.
4 法第二十一条第二項(法第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項、第二十四条の五第二項及び第二十四条の六において準用する場合を含む。以下この項において同じ。)に規定する書面には、法第二十一条第二項各号に掲げる事項を日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に記載しなければならない。
(4) The matters set forth in the items of Article 21, paragraph (2) of the Act (including the cases where that paragraph is applied mutatis mutandis pursuant to Article 24, paragraph (2), Article 24-2, paragraph (2), Article 24-3, paragraph (2), Article 24-4, paragraph (2), Article 24-5, paragraph (2) and Article 24-6 of the Act; hereinafter the same applies in this paragraph) must be stated clearly and accurately by using characters, letters and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305 in the documents prescribed in that paragraph.
5 法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
(5) The reference, in Article 21, paragraph (3) of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る法第十七条第一項各号(第一号を除く。)に掲げる事項(取り立てる債権が貸金業者の貸付けの契約に基づく債権でないときは第十三条第一項第一号ソを除き、極度方式貸付けに係る契約に基づくものであるときは次号に掲げる事項と同一の内容のものを除く。)
(ii) the matters set forth in the items (excluding item (i)) of Article 17, paragraph (1) of the Act related to the claim to be collected (in cases where the claim to be collected is not a claim under the Contract for a Loan made by a Money Lender, excluding the matters set forth in Article 13, paragraph (1), item (i), sub-item (r), and in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, excluding the matters same as those set forth in the following item);
三 取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、当該契約の基本となる極度方式基本契約に係る法第十七条第二項各号(第一号を除く。)に掲げる事項(取り立てる債権が貸金業者の貸付けの契約に基づく債権でないときは、第十三条第三項第一号ソに掲げる事項を除く。)
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the matters set forth in the items (excluding item (i)) of Article 17, paragraph (2) of the Act related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract (in cases where the claim to be collected is not a claim under the Contract for a Loan made by a Money Lender, excluding the matters set forth in Article 13, paragraph (3), item (i), sub-item (r));
四 債務者等に対し取立てをするときは、次に掲げる事項
(iv) in cases of collecting claims from the Obligor, etc., the following matters:
イ 法第二十一条第二項第六号及び第七号に掲げる事項
(a) the matters set forth in Article 21, paragraph (2), items (vi) and (vii) of the Act; and
ロ 第三項第一号及び第二号に掲げる事項
(b) the matters set forth in paragraph (3), items (i) and (ii);
五 保証人に対し取立てをするときは、法第十七条第三項に掲げる事項(取り立てる債権が貸金業者の貸付けの契約に基づく債権でないときは、第十二条の二第五項第十四号に掲げる事項を除く。)
(v) in cases of collecting claims from the guarantor, the matters set forth in Article 17, paragraph (3) of the Act (in cases where the claim to be collected is not a claim under the Contract for a Loan made by a Money Lender, excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
6 法第二十一条第三項(法第二十四条第二項、第二十四条の二第二項、第二十四条の三第二項、第二十四条の四第二項、第二十四条の五第二項及び第二十四条の六において準用する場合を含む。)に規定する内閣府令で定める方法は、前項各号に掲げる事項を日本工業規格Z八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いて明瞭かつ正確に記載した書面を交付又は送付する方法とする。ただし、貸金業者又は貸金業者の貸付けの契約に基づく債権の取立てについて貸金業者その他の者から委託を受けた者の従業者であつて、当該貸金業者の商号、名称若しくは氏名又は当該従業者の氏名を明らかにするよう相手方の請求があつた場合は、法第十二条の四に規定する証明書の提示によることができる。
(6) The reference, in Article 21, paragraph (3) of the Act (including the cases where it is applied mutatis mutandis pursuant to Article 24, paragraph (2), Article 24-2, paragraph (2), Article 24-3, paragraph (2), Article 24-4, paragraph (2), Article 24-5, paragraph (2) and Article 24-6 of the Act), to methods specified by Cabinet Office Order means the method of delivering or sending the documents in which the matters set forth in the items of the preceding paragraph are stated clearly and accurately by using characters, letters and numbers larger than 8-point as provided in Japanese Industrial Standard Z8305; provided, however, that in cases where a worker of the Money Lender or persons that have been entrusted by a Money Lender or any other person with the collection of claims under the Contract for a Loan made by the Money Lender receives a request from the counterparty to disclose the trade name or name of the relevant Money Lender or the name of the worker, the disclosure may be made by the presentation of identification cards provided in Article 12-4 of the Act.
(掲示すべき標識の様式)
(Form of the Sign to be Posted)
第二十条 法第二十三条に規定する内閣府令で定める様式は、別紙様式第七号に定めるものとする。
Article 20 The reference, in Article 23 of the Act, to a form specified by Cabinet Office Order means as provided in Appended Form No. 7.
(債権を譲り受ける者に対する通知)
(Notice to the Assignee of the Claim)
第二十一条 法第二十四条第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 21 (1) The reference, in Article 24, paragraph (1) of the Act, to matters specified by Cabinet Office Order means:
一 法第十七条第一項各号に掲げる事項(第十三条第一項第一号ホ、ト、タ及びソ(売渡担保にあつては、タ及びソに限る。)に掲げる事項を除き、極度方式貸付けに係る契約に基づく債権であるときは、次号に掲げる事項と同一の内容のものを除く。)
(i) the matters set forth in the items of Article 17, paragraph (1) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (e), (g), (p), and (r) (in cases of a collateral by sale, limited to sub-items (p) and (r)), and in cases of a claim under a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in the following item);
二 極度方式貸付けに係る契約に基づく債権であるときは、法第十七条第二項各号に掲げる事項(同項第二号及び第三号に掲げる事項並びに第十三条第三項第一号ホ、ト、ヨ、タ及びソ(売渡担保にあつてはヨ、タ及びソに限り、金銭の貸借の媒介にあつてはタ及びソに限る。)並びに第二号ハに掲げる事項を除く。)
(ii) in cases of a claim under the contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act (excluding the matters set forth in items (ii) and (iii) of that paragraph and the matters set forth in Article 13, paragraph (3), item (i), sub-items (e), (g), (o), (p), and (r) (limited to, in cases of a collateral by sale, sub-items (o), (p), and (r), and in cases of money brokerage, sub-items (p) and (r)), and item (ii), sub-item (c));
三 当該債権について保証契約を締結したときは、法第十七条第三項に掲げる事項(第十二条の二第五項第七号及び第十四号に掲げる事項を除く。)
(iii) in cases where a guarantee contract is concluded for the relevant claim, the matters set forth in Article 17, paragraph (3) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (vii) and (xiv)); and
四 譲渡年月日及び当該債権の額
(iv) the date of assignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法(昭和六年法律第十五号)第一条第一項に規定する抵当証券に記載された債権の譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the assignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act (Act No. 15 of 1931).
3 法第二十四条第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used to give the notice under Article 24, paragraph (1) of the Act.
4 法第二十四条第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、債権を譲り受ける者の承諾を得て、同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、貸金業者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the claim, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24, paragraph (1) of the Act, a Money Lender may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee with the information of which it is to notify it pursuant to paragraph (1) of that Article. In such a case, a Money Lender is deemed to have used a paper document to give the notice.
5 貸金業者は、前項の規定により法第二十四条第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、債権を譲り受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of a claim with the information of which the assignee must be notified pursuant to Article 24, paragraph (1) of the Act, the Money Lender must indicate to the assignee the type and details of the electronic or magnetic means it will use and have the assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た貸金業者は、債権を譲り受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該債権を譲り受ける者に対し、法第二十四条第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該債権を譲り受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If a Money Lender that has obtained the assent under the preceding paragraph from the assignee of a claim is informed thereby, in a paper document or by electronic or magnetic means, that the assignee is unwilling to be provided with information by electronic or magnetic means, the Money Lender must not use electronic or magnetic means to provide the assignee with the information of which notice must be given pursuant to Article 24, paragraph (1) of the Act; provided, however, that this does not apply if the assignee of the claim reaffirms the assent under the preceding paragraph.
(譲り受けた債権についての生命保険契約等の締結に係る制限)
(Restrictions on Conclusion of Life Insurance Contract With Regard to Assigned Claim)
第二十一条の二 法第二十四条第二項において準用する法第十二条の七に規定する内閣府令で定める契約は、第十条の十各号に掲げる契約とする。
Article 21-2 The reference, in Article 12-7 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to contracts specified by Cabinet Office Order means contracts set forth in the items of Article 10-10.
(譲り受けた債権に係る保証契約締結前の書面の交付)
(Delivery of Documents Prior to Concluding a Guarantee Contract Related to the Assigned Claim)
第二十一条の三 法第二十四条第二項において準用する法第十六条の二第三項第四号に規定する内閣府令で定める事項は、第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
Article 21-3 (1) The reference, in Article 16-2, paragraph (3), item (iv) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contracts set forth in that item.
2 法第二十四条第二項において準用する法第十六条の二第三項第五号に規定する内閣府令で定める事項は、第十二条の二第四項に定める事項とする。
(2) The reference, in Article 16-2, paragraph (3), item (v) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in Article 12-2, paragraph (4).
3 法第二十四条第二項において準用する法第十六条の二第三項第六号に規定する内閣府令で定める事項は、第十二条の二第五項各号に掲げる事項(同項第十四号に掲げる事項を除く。)とする。
(3) The reference, in Article 16-2, paragraph (3), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 12-2, paragraph (5) (excluding the matters set forth in item (xiv) of that paragraph).
4 第十一条第四項、第十二条の二第六項及び第八項並びに第十三条第八項及び第十一項の規定は、債権を譲り受けた者が法第二十四条第二項において準用する法第十六条の二第三項の規定により交付すべき書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), Article 12-2, paragraphs (6) and (8), and Article 13, paragraphs (8) and (11) apply mutatis mutandis to the case where the assignee of the claim prepares the documents to be delivered pursuant to Article 16-2, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act.
(譲り受けた債権についての生命保険契約等に係る同意前の書面の交付)
(Delivery of Documents Prior to Obtaining Consent on Life Insurance Contract With Regard to the Assigned Claim)
第二十一条の四 法第二十四条第二項において準用する法第十六条の三第一項第二号に規定する内閣府令で定める事項は、第十二条の三第一項各号に掲げる事項とする。
Article 21-4 (1) The reference, in Article 16-3, paragraph (1), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 12-3, paragraph (1).
2 第十二条の三第二項の規定は、債権を譲り受けた者が法第二十四条第二項において準用する法第十六条の三第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 12-3, paragraph (2) apply mutatis mutandis to the case where the assignee of the claim prepares the documents to be delivered pursuant to Article 16-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act.
(譲り受けた債権についての書面の交付)
(Delivery of Documents With Regard to the Assigned Claim)
第二十二条 法第二十四条第二項において準用する法第十七条第一項第八号に規定する内閣府令で定める事項は、第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、タ及びソに掲げる事項を除く。)とする。
Article 22 (1) The reference, in Article 17, paragraph (1), item (viii) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contracts set forth in the item (excluding the matters set forth in item (i), sub-items (e), (p), and (r) of that paragraph).
2 法第二十四条第二項において準用する法第十七条第一項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条第二項において準用する法第十七条第二項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(2) The reference, in the second sentence of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contracts set forth in the item (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, the matters are excluded).
3 法第二十四条第二項において準用する法第十七条第二項第七号に規定する内閣府令で定める事項は、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、ヨ、タ及びソ(金銭の貸借の媒介にあつては、タ及びソに限る。)に掲げる事項を除く。)とする。
(3) The reference, in Article 17, paragraph (2), item (vii) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contracts set forth in the item (excluding the matters set forth in item (i), sub-items (e), (o), (p), and (r) of that paragraph (in cases of money brokerage, limited to sub-items (p) and (r))).
4 法第二十四条第二項において準用する法第十七条第二項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(4) The reference, in the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contracts set forth in the item.
5 法第二十四条第二項において準用する法第十七条第三項に規定する内閣府令で定める事項は、第十三条第六項各号に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)とする。
(5) The reference, in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (6) (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
6 法第二十四条第二項において準用する法第十七条第三項後段に規定する内閣府令で定める事項は、第十三条第七項各号に定める事項とする。
(6) The reference, in the second sentence of Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (7).
7 法第二十四条第二項において準用する法第十七条第四項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条第二項において準用する法第十七条第五項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(7) The reference, in the second sentence of Article 17, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, the matters are excluded).
8 法第二十四条第二項において準用する法第十七条第五項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(8) The reference, in the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) for the category of loan contract, as set forth in the item, which the guarantee is to cover.
9 第十一条第四項並びに第十三条第八項、第十一項及び第十五項の規定は、債権を譲り受けた者が法第二十四条第二項において準用する法第十七条の規定により交付すべき書面を作成する場合について準用する。
(9) The provisions of Article 11, paragraph (4), and Article 13, paragraphs (8), (11) and (15) apply mutatis mutandis to the case where the assignee of the claim prepares the documents to be delivered pursuant to Article 17 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act.
(債権譲渡後の受取証書の交付)
(Delivery of Receipt After the Assignment of Claim)
第二十三条 法第二十四条第二項において準用する法第十八条第一項第六号に規定する内閣府令で定める事項は、第十五条第一項各号に掲げる事項とする。
Article 23 (1) The reference, in Article 18, paragraph (1), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 15, paragraph (1).
2 第十五条第三項の規定は、債権を譲り受けた者が法第二十四条第二項において準用する法第十八条第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 15, paragraph (3) apply mutatis mutandis to the case where the assignee of the claim prepares the documents to be delivered pursuant to Article 18, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act.
3 法第二十四条第二項において準用する法第十八条第三項に規定する内閣府令で定める書面は、第十五条第四項に定める書面とする。
(3) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to documents specified by Cabinet Office Order means documents specified in Article 15, paragraph (4).
4 第十一条第四項及び第十五条第五項の規定は、債権を譲り受けた者が前項の書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), and Article 15, paragraph (5) apply mutatis mutandis to the case where the assignee of the claim prepares the documents prescribed in the preceding paragraph.
5 法第二十四条第二項において読み替えて準用する法第十八条第三項に規定する内閣府令で定める手続は、債権を譲り受けた者が、当該債権に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(5) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the assignee of a claim notifies the counterparty to the Contract for a Loan connected with that claim and any other person paying all or part of a claim under the contract of the following matters, and that no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条第二項において準用する法第十八条第三項に規定する内閣府令で定める書面を交付する旨
(i) that the assignee will issue the document specified by Cabinet Office Order which is referred to in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act;
二 法第二十四条第二項において準用する法第十八条第三項の規定により同条第一項の規定による書面の交付に代えて同条第三項各号に掲げる事項を記載した書面を交付する旨
(ii) that, pursuant to Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, the assignee will issue a document giving the information set forth in the items of Article 18, paragraph (3) of the Act in lieu of issuing the document under Article 18, paragraph (1) of the Act; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
6 法第二十四条第二項において読み替えて準用する法第十八条第四項に規定する内閣府令で定める手続は、債権を譲り受けた者が、当該債権に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(6) The reference, in Article 18, paragraph (4) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the assignee of the claim notifies the counterparty to the Contract for a Loan connected with that claim and any other person paying all or part of a claim under the contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条第二項において準用する法第十八条第四項の規定により同条第一項に規定する書面の交付又は同条第三項の内閣府令で定める書面の交付若しくは同項の規定により同条第一項の規定による書面の交付に代えて交付する書面の交付に代えて同項若しくは同条第三項に規定する事項又は同項の内閣府令で定める書面に記載すべき事項を電磁的方法により提供する旨
(i) that, pursuant to Article 18, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, the assignee will use electronic or magnetic means to provide the information prescribed in Article 18, paragraph (1) or (3) of the Act or the information required to be stated in the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article, in lieu of issuing a document as prescribed in paragraph (1) of that Article; in lieu of issuing the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article; or in lieu of issuing, pursuant to that paragraph, the document that is to be issued in lieu of the document prescribed in paragraph (1) of that Article;
二 その用いる電磁的方法の種類及び内容として、次に掲げる事項
(ii) the following information as to the type and details of the electronic or magnetic means the assignee will use:
イ 第一条の二の二第一項第二号に定める方法のうち債権を譲り受けた者が使用するもの
(a) which of the means specified in Article 1-2-2, paragraph (1), item (ii) the assignee of the claim will use; and
ロ ファイルへの記録の方式
(b) in what format the data will be recorded in the file; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
7 第五項第三号及び前項第三号の期間は、一月を下つてはならない。
(7) The period referred to in paragraph (5), item (iii) and item (iii) of the preceding paragraph must not be less than one month.
(債権譲渡後の帳簿の備付け)
(Keeping of Books After the Assignment of Claim)
第二十三条の二 第十六条の規定は、債権を譲り受けた者が法第二十四条第二項において準用する法第十九条の帳簿を作成する場合について準用する。この場合において、第十六条第一項第二号中「第二号から」とあるのは「第四号から」と、同項第三号中「締結したとき」とあるのは「締結されているとき、又は締結したとき」と読み替えるものとする。
Article 23-2 The provisions of Article 16 apply mutatis mutandis to the case where the assignee of the claim prepares the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act. In this case, the term "items (ii) to" in Article 16, paragraph (1), item (ii) is deemed to be replaced with "items (iv) to," and the phrase "is concluded" in item (iii) of that paragraph is deemed to be replaced with "has been concluded or is concluded."
第二十三条の三 貸金業者の貸付けに係る契約に基づく債権を譲り受けた者は、法第二十四条第二項において準用する法第十九条の帳簿を、譲り受けた債権に係る貸付けの契約ごとに、当該契約に定められた最終の返済期日(当該契約に基づく債権が弁済その他の事由により消滅したときにあつては、当該債権の消滅した日)から少なくとも十年間保存しなければならない。ただし、当該債権が極度方式貸付けに係る契約に基づくものである場合には、当該債権に係る極度方式基本契約に基づく極度方式貸付けに係る契約に基づく債権のうち譲り受けたものに係る当該契約に定められた最終の返済期日(これらの債権のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうち最後のものから少なくとも十年間保存しなければならない。
Article 23-3 (1) An assignee of the claim under the loan contract made by a Money Lender must preserve the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act for each Contract for a Loan related to the assigned claim, for at least ten years from the final repayment due date specified in the relevant contract (in cases where the claim under the relevant contract has extinguished upon performance or on any other grounds, the day on which the claim extinguished); provided, however, that, in cases where the relevant claim is one under a contract for a Revolving Credit Loan, the Money Lender must preserve the relevant books for ten years from, among the final repayment due dates specified in the relevant contracts related to the assigned claims under the contract for a Revolving Credit Loan based on the Basic Contract for a Revolving Credit Loan related to the relevant claim (in cases where all of these claims have extinguished upon performance or on any other grounds, the day on which the claims extinguished), the latest date.
2 貸金業者の貸付けに係る契約に基づく債権を譲り受けた者は、その営業所等が現金自動設備であるときは、帳簿の備付けを行うことを要しない。
(2) In cases where the Business Office, etc. of the assignee of the claim under the loan contract made by a Money Lender is an Automatic Cash Machine, the assignee is not required to keep books.
(債権譲渡後の帳簿の閲覧方法)
(Method of Inspection of Books After the Assignment of Claims)
第二十三条の四 貸金業者の貸付けに係る契約に基づく債権を譲り受けた者は、法第二十四条第二項において準用する法第十九条の規定に基づき、同条の帳簿をその営業所等ごと(営業所等を有しない者にあつては、住所地又は居所地)に備え置き、同項において準用する法第十九条の二に規定するときを除くほか、その営業時間内に、請求者の請求に応じて閲覧又は謄写をさせなければならない。
Article 23-4 The assignee of a claim under a loan contract made by a Money Lender must keep the books referred to in Article 19 of the Act at each Business Office, etc. thereof (or at the domicile or residence of a person with no Business Office, etc.), based on the provisions of Article 19 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, and except in cases provided in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, must allow a person requesting to do so to inspect or copy them during its business hours.
(債権譲渡後の帳簿の閲覧等請求権者)
(Person Entitled to Request the Inspection of Books After the Assignment of Claim)
第二十三条の五 法第二十四条第二項において準用する法第十九条の二に規定する内閣府令で定める者は、次に掲げる者とする。
Article 23-5 The reference, in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to persons specified by Cabinet Office Order means:
一 法第二十四条第二項において準用する法第十九条の二の債務者等(以下この条において単に「債務者等」という。)又は債務者等であつた者の法定代理人、後見監督人、保佐人、保佐監督人、補助人又は補助監督人
(i) a statutory agent, supervisor of guardian, curator, supervisor of curator, assistant, or supervisor of assistant of the Obligor, etc. prescribed in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act (hereinafter simply referred to as the "Obligor, etc." in this Article) or a person that was formerly an Obligor, etc.;
二 債務者等又は債務者等であつた者の相続人
(ii) the heir of the Obligor, etc. or a person that was formerly an Obligor, etc.;
三 債務者等若しくは債務者等であつた者のために又は債務者等若しくは債務者等であつた者に代わつて弁済をした者
(iii) a person that made the performance on behalf or in lieu of the Obligor, etc. or the person that was formerly an Obligor, etc.;
四 債務者等若しくは債務者等であつた者又は前各号に掲げる者から法第二十四条第二項において準用する法第十九条の二の請求について代理権を付与された者
(iv) a person that has been empowered the right of representation for the request under Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act from an Obligor, etc., a person that was formerly an Obligor, etc. or the persons set forth in the preceding items.
(債権譲渡後の特定公正証書の作成に係る説明事項)
(Matters to be Explained in Regard to the Preparation of Specified Notarized Deeds After the Assignment of Claims)
第二十四条 法第二十四条第二項において準用する法第二十条第三項第二号に規定する内閣府令で定めるものは、特定公正証書に記載された内容の債務の不履行の場合には、貸金業者の貸付けに係る契約に基づく債権を譲り受けた者は、訴訟の提起を行わずに、特定公正証書により債務者等の財産に対する強制執行をすることができる旨とする。
Article 24 (1) The reference, in Article 20, paragraph (3), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means, in cases of failure to perform the obligations stated in the Specified Notarized Deeds, a statement to the effect that the assignee of the claim under the loan contract made by a Money Lender may carry out a compulsory execution against the assets of the Obligor, etc. pursuant to the Specified Notarized Deeds without the filing of a lawsuit.
2 第十八条第二項の規定は、債権を譲り受けた者が法第二十四条第二項において準用する法第二十条第三項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 18, paragraph (2) of the Act apply mutatis mutandis to the cases where the assignee of the claim prepares the documents to be delivered pursuant to Article 20, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act.
(債権譲渡後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Assignment of the Claim)
第二十五条 法第二十四条第二項において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 25 The reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る法第二十四条第二項において準用する法第十七条第一項各号に掲げる事項(当該債権を譲り受けた者の商号、名称又は氏名及び第十三条第一項第一号ソに掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act related to the claim to be collected (excluding the trade name or name of the assignee of the relevant claim and the matters set forth in Article 13, paragraph (1), item (i), sub-item (r));
三 取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、当該契約の基本となる極度方式基本契約に係る法第二十四条第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ソに掲げる事項を除く。)
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-item (r)); and
四 保証人に対し取立てをするときは、法第二十四条第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)
(iv) in cases of collecting claims from the Guarantee Business Operator, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
(債権の再譲渡を受ける者に対する通知)
(Notice to the Assignee of the Reassigned Claim)
第二十六条 法第二十四条第二項において準用する同条第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26 (1) The reference, in Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, to matters specified by Cabinet Office Order means:
一 法第二十四条第二項において準用する法第十七条第一項各号に掲げる事項(第十三条第一項第一号ホ、ト、タ及びソ(売渡担保にあつては、タ及びソに限る。)に掲げる事項を除き、極度方式貸付けに係る契約に基づく債権であるときは、次号に掲げる事項と同一の内容のものを除く。)
(i) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (e), (g), (p), and (r) (in cases of a collateral by sale, limited to sub-items (p) and (r)), and in cases of a claim under a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in the following items);
二 極度方式貸付けに係る契約に基づく債権であるときは、法第二十四条第二項において準用する法第十七条第二項各号に掲げる事項(同項第二号及び第三号に掲げる事項並びに第十三条第三項第一号ホ、ト、ヨ、タ及びソ(売渡担保にあつてはヨ、タ及びソに限り、金銭の貸借の媒介にあつてはタ及びソに限る。)並びに第二号ハに掲げる事項を除く。)
(ii) in cases of a claim under the contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act (excluding the matters set forth in items (ii) and (iii) of Article 17, paragraph (2) of the Act and the matters set forth in Article 13, paragraph (3), item (i), sub-items (e), (g), (o), (p), and (r) (limited to, in cases of a collateral by sale, sub-items (o), (p), and (r), and in cases of money brokerage, sub-items (p) and (r)), and item (ii), sub-item (c));
三 当該債権について保証契約を締結したときは、法第二十四条第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第七号及び第十四号に掲げる事項を除く。)
(iii) in cases where a guarantee contract is concluded for the relevant claim, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (vii) and (xiv)); and
四 再譲渡年月日及び当該債権の額
(iv) the date of reassignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の再譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the reassignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 法第二十四条第二項において準用する同条第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used to give the notice under Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article.
4 法第二十四条第二項において準用する同条第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、債権の再譲渡を受ける者の承諾を得て、同条第二項において準用する同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、債権を譲り受けた者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the reassigned claim, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, the assignee of the claim may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the reassigned claim with the information of which it is to notify it pursuant to paragraph (1) of that Article. In such a case, the assignee of the claim is deemed to have used a paper document to give the notice.
5 債権を譲り受けた者は、前項の規定により法第二十四条第二項において準用する同条第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、債権の再譲渡を受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of a reassigned claim with the information of which that assignee must be notified pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, the assignee of the claim must indicate to the assignee on reassignment the type and details of the electronic or magnetic means it will use and have that assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た債権を譲り受けた者は、債権の再譲渡を受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該債権の再譲渡を受ける者に対し、法第二十四条第二項において準用する同条第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該債権の再譲渡を受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If the original assignee of a claim that has obtained the assent under the preceding paragraph from the assignee of the reassigned claim is informed thereby, in a paper document or by electronic or magnetic means, that the assignee on reassignment is unwilling to be provided with information by electronic or magnetic means, the original assignee must not use electronic or magnetic means to provide the assignee on reassignment with the information of which notice must be given pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article; provided, however, that this does not apply if the assignee of the reassigned claim reaffirms the assent under the preceding paragraph.
(保証業者に対する通知)
(Notice to Guarantee Business Operators)
第二十六条の二 法第二十四条の二第一項の規定による通知は、書面により行わなければならない。
Article 26-2 (1) A paper document must be used to give the notice under Article 24-2, paragraph (1) of the Act.
2 法第二十四条の二第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、保証業者の承諾を得て、同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、貸金業者は、当該書面による通知をしたものとみなす。
(2) With the assent of the Guarantee Business Operator, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24-2, paragraph (1) of the Act, a Money Lender may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the operator with the information of which it is to notify it pursuant to paragraph (1) of that Article. In such a case, the Money Lender is deemed to have used a paper document to give the notice.
3 貸金業者は、前項の規定により法第二十四条の二第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、保証業者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(3) Before seeking to apply the preceding paragraph so as to provide a Guarantee Business Operator with the information of which it must be notified pursuant to Article 24-2, paragraph (1) of the Act, a Money Lender must indicate to the operator the type and details of the electronic or magnetic means it will use and have the operator assent to this in a paper document or by electronic or magnetic means.
4 前項の規定による承諾を得た貸金業者は、保証業者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該保証業者に対し、法第二十四条の二第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該保証業者が再び前項の規定による承諾をした場合は、この限りでない。
(4) If a Money Lender that has obtained the assent under the preceding paragraph from a Guarantee Business Operator is informed thereby, in a paper document or by electronic or magnetic means, that the operator is unwilling to be provided with information by electronic or magnetic means, the Money Lender must not use electronic or magnetic means to provide the operator with the information of which notice must be given pursuant to Article 24-2, paragraph (1) of the Act; provided, however, that this does not apply if the Guarantee Business Operator reaffirms the assent under the preceding paragraph.
(保証等に係る求償権等についての生命保険契約等の締結に係る制限)
(Restrictions on Conclusion of Life Insurance Contract With Regard to Right to Reimbursement Pertaining to Guarantee)
第二十六条の二の二 法第二十四条の二第二項において準用する法第十二条の七に規定する内閣府令で定める契約は、第十条の十各号に掲げる契約とする。
Article 26-2-2 The reference, in Article 12-7 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to contracts specified by Cabinet Office Order means contracts set forth in the items of Article 10-10.
(保証等に係る求償権等に係る保証契約締結前の書面の交付)
(Delivery of Documents Prior to Concluding a Guarantee Contract Related to the Right to Reimbursement Pertaining to Guarantee)
第二十六条の二の三 法第二十四条の二第二項において準用する法第十六条の二第三項第四号に規定する内閣府令で定める事項は、第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
Article 26-2-3 (1) The reference, in Article 16-2, paragraph (3), item (iv) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item.
2 法第二十四条の二第二項において準用する法第十六条の二第三項第五号に規定する内閣府令で定める事項は、第十二条の二第四項に定める事項とする。
(2) The reference, in Article 16-2, paragraph (3), item (v) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in Article 12-2, paragraph (4).
3 法第二十四条の二第二項において準用する法第十六条の二第三項第六号に規定する内閣府令で定める事項は、第十二条の二第五項各号に掲げる事項(同項第十四号に掲げる事項を除く。)とする。
(3) The reference, in Article 16-2, paragraph (3), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 12-2, paragraph (5) (excluding the matters set forth in item (xiv) of that paragraph).
4 第十一条第四項、第十二条の二第六項及び第八項並びに第十三条第八項及び第十一項の規定は、保証業者が法第二十四条の二第二項において準用する法第十六条の二第三項の規定により交付すべき書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), Article 12-2, paragraphs (6) and (8), and Article 13, paragraphs (8) and (11) apply mutatis mutandis to the case where the Guarantee Business Operator prepares the documents to be delivered pursuant to Article 16-2, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act.
(保証等に係る求償権等に係る生命保険契約等に係る同意前の書面の交付)
(Delivery of Documents Prior to Obtaining Consent on Life Insurance Contract Related to the Right to Reimbursement Pertaining to Guarantee)
第二十六条の二の四 法第二十四条の二第二項において準用する法第十六条の三第一項第二号に規定する内閣府令で定める事項は、第十二条の三第一項各号に掲げる事項とする。
Article 26-2-4 (1) The reference, in Article 16-3, paragraph (1), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 12-3, paragraph (1).
2 第十二条の三第二項の規定は、保証業者が法第二十四条の二第二項において準用する法第十六条の三第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 12-3, paragraph (2) apply mutatis mutandis to the case where the Guarantee Business Operator prepares the documents to be delivered pursuant to Article 16-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act.
(保証等に係る求償権等についての書面の交付)
(Delivery of Documents With Regard to the Right to Reimbursement Pertaining to Guarantee)
第二十六条の三 法第二十四条の二第二項において準用する法第十七条第一項第八号に規定する内閣府令で定める事項は、第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、タ及びソに掲げる事項を除く。)とする。
Article 26-3 (1) The reference, in Article 17, paragraph (1), item (viii) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e) and (p) of that paragraph).
2 法第二十四条の二第二項において準用する法第十七条第一項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の二第二項において準用する法第十七条第二項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(2) The reference, in the second sentence of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, the matters are excluded).
3 法第二十四条の二第二項において準用する法第十七条第二項第七号に規定する内閣府令で定める事項は、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、ヨ、タ及びソ(金銭の貸借の媒介にあつては、タ及びソに限る。)に掲げる事項を除く。)とする。
(3) The reference, in Article 17, paragraph (2), item (vii) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e), (o), (p), and (r) of that paragraph (in cases of money brokerage, limited to sub-items (p) and (r))).
4 法第二十四条の二第二項において準用する法第十七条第二項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(4) The reference, in the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item.
5 法第二十四条の二第二項において準用する法第十七条第三項に規定する内閣府令で定める事項は、第十三条第六項各号に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)とする。
(5) The reference, in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (6) (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
6 法第二十四条の二第二項において準用する法第十七条第三項後段に規定する内閣府令で定める事項は、第十三条第七項各号に定める事項とする。
(6) The reference, in the second sentence of Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (7).
7 法第二十四条の二第二項において準用する法第十七条第四項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の二第二項において準用する法第十七条第五項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(7) The reference, in the second sentence of Article 17, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, the matters are excluded).
8 法第二十四条の二第二項において準用する法第十七条第五項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(8) The reference, in the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover.
9 第十一条第四項並びに第十三条第八項、第十一項及び第十五項の規定は、保証業者が法第二十四条の二第二項において準用する法第十七条の規定により交付すべき書面を作成する場合について準用する。
(9) The provisions of Article 11, paragraph (4), and Article 13, paragraphs (8), (11) and (15) apply mutatis mutandis to the case where the Guarantee Business Operator prepares the documents to be delivered pursuant to Article 17 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act.
(保証等に係る求償権等取得後の受取証書の交付)
(Delivery of Receipt After the Acquisition of Right to Reimbursement Pertaining to Guarantee)
第二十六条の四 法第二十四条の二第二項において準用する法第十八条第一項第六号に規定する内閣府令で定める事項は、第十五条第一項各号に掲げる事項とする。
Article 26-4 (1) The reference, in Article 18, paragraph (1), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 15, paragraph (1).
2 第十五条第三項の規定は、保証業者が法第二十四条の二第二項において準用する法第十八条第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 15, paragraph (3) applies mutatis mutandis to the case where the Guarantee Business Operator prepares the documents to be delivered pursuant to Article 18, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act.
3 法第二十四条の二第二項において準用する法第十八条第三項に規定する内閣府令で定める書面は、第十五条第四項に定める書面とする。
(3) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to documents specified by Cabinet Office Order means documents specified in Article 15, paragraph (4).
4 第十一条第四項及び第十五条第五項の規定は、保証業者が前項の書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), and Article 15, paragraph (5) apply mutatis mutandis to the case where the Guarantee Business Operator prepares the documents prescribed in the preceding paragraph.
5 法第二十四条の二第二項において読み替えて準用する法第十八条第三項に規定する内閣府令で定める手続は、保証業者が、保証等に係る求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(5) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-2, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the Guarantee Business Operator notifies the counterparty to the Contract for a Loan related to the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and any other person paying all or part of a claim under the relevant contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の二第二項において準用する法第十八条第三項に規定する内閣府令で定める書面を交付する旨
(i) that the operator will issue the document specified by Cabinet Office Order which is referred to in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act;
二 法第二十四条の二第二項において準用する法第十八条第三項の規定により同条第一項の規定による書面の交付に代えて同条第三項各号に掲げる事項を記載した書面を交付する旨
(ii) that, pursuant to Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, the operator will issue a document giving the information set forth in the items of Article 18, paragraph (3) of the Act in lieu of issuing the document under Article 18, paragraph (1) of the Act; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
6 法第二十四条の二第二項において読み替えて準用する法第十八条第四項に規定する内閣府令で定める手続は、保証業者が、保証等に係る求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(6) The reference, in Article 18, paragraph (4) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-2, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the Guarantee Business Operator notifies the counterparty to the Contract for a Loan connected with the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and any other person paying all or part of a claim under the contract, and that no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の二第二項において準用する法第十八条第四項の規定により同条第一項に規定する書面の交付又は同条第三項の内閣府令で定める書面の交付若しくは同項の規定により同条第一項の規定による書面の交付に代えて交付する書面の交付に代えて同項若しくは同条第三項に規定する事項又は同項の内閣府令で定める書面に記載すべき事項を電磁的方法により提供する旨
(i) that, pursuant to Article 18, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, the Guarantee Business Operator will use electronic or magnetic means to provide the information prescribed in Article 18, paragraph (1) or (3) of the Act or the information required to be stated in the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article, in lieu of issuing a document as prescribed in paragraph (1) of that Article; in lieu of issuing the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article; or in lieu of issuing, pursuant to that paragraph, the document that is to be issued in lieu of the document prescribed in paragraph (1) of that Article;
二 その用いる電磁的方法の種類及び内容として、次に掲げる事項
(ii) the following information for the type and details of the electronic or magnetic means that will be used:
イ 第一条の二第一項第二号に定める方法のうち保証業者が使用するもの
(a) which of the means specified in Article 1-2, paragraph (1), item (ii) the Guarantee Business Operator will use; and
ロ ファイルへの記録の方式
(b) in what format the data will be recorded in the file; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
7 第五項第三号及び前項第三号の期間は、一月を下つてはならない。
(7) The period referred to in paragraph (5), item (iii) and item (iii) of the preceding paragraph must not be less than one month.
(保証等に係る求償権等取得後の帳簿の備付け)
(Keeping of Books After the Acquisition of Right to Reimbursement Pertaining to Guarantee)
第二十六条の四の二 第十六条の規定は、保証業者が法第二十四条の二第二項において準用する法第十九条の帳簿を作成する場合について準用する。この場合において、第十六条第一項第二号中「第二号から」とあるのは「第四号から」と、同項第三号中「締結したとき」とあるのは「締結されているとき、又は締結したとき」と読み替えるものとする。
Article 26-4-2 The provisions of Article 16 apply mutatis mutandis to the case where the Guarantee Business Operator prepares the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act. In this case, the term "items (ii) to" in Article 16, paragraph (1), item (ii) is deemed to be replaced with "items (iv) to," and the phrase "is concluded" in item (iii) of that paragraph is deemed to be replaced with "has been concluded or is concluded."
第二十六条の四の三 保証業者は、法第二十四条の二第二項において準用する法第十九条の帳簿を、取得した保証等に係る求償権等ごとに、当該求償権等の最終の返済期日(当該求償権等が弁済その他の事由により消滅したときにあつては、当該求償権等の消滅した日)から少なくとも十年間保存しなければならない。ただし、当該求償権等が極度方式貸付けに係る契約に係るものである場合には、当該求償権等に係る極度方式基本契約に基づく極度方式貸付けに係る契約に係る保証等に係る求償権等のうち取得したものの最終の返済期日(これらの求償権等のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうち最後のものから少なくとも十年間保存しなければならない。
Article 26-4-3 (1) A Guarantee Business Operator must preserve the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act for each Right toReimbursement, etc. Pertaining to Guarantee, etc. acquired thereby, for at least ten years from the final repayment due date of the relevant Right to Reimbursement, etc. (in cases where the relevant Right to Reimbursement, etc. has extinguished upon performance or on any other grounds, the day on which the Right to Reimbursement, etc. extinguished); provided, however, that, in cases where the relevant Right to Reimbursement, etc. is one under a contract for a Revolving Credit Loan, the Guarantee Business Operator must preserve the relevant books for ten years from, among the final repayment due dates of the acquired Rights to Obtain Reimbursement, etc. Pertaining to Guarantee, etc. under the contract for a Revolving Credit Loan based on the Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. (in cases where all of these Rights to Reimbursement, etc. have extinguished upon performance or on any other grounds, the day on which the Rights to Reimbursement, etc. extinguished), the latest date.
2 保証業者は、その営業所等が現金自動設備であるときは、帳簿の備付けを行うことを要しない。
(2) In cases where the Business Office, etc. of the Guarantee Business Operator is an Automatic Cash Machine, the Guarantee Business Operator is not required to keep books.
(保証等に係る求償権等取得後の帳簿の閲覧方法)
(Method of Inspection of Books After the Acquisition of Right to Reimbursement Pertaining to Guarantee)
第二十六条の四の四 保証業者は、法第二十四条の二第二項において準用する法第十九条の規定に基づき、同条の帳簿をその営業所等ごと(営業所等を有しない者にあつては、住所地又は居所地)に備え置き、同項において準用する法第十九条の二に規定するときを除くほか、その営業時間内に、請求者の請求に応じて閲覧又は謄写をさせなければならない。
Article 26-4-4 A Guarantee Business Operator must keep the books referred to in Article 19 of the Act at each Business Office, etc. thereof (or at the domicile or residence of a person with no Business Office, etc.) based on the provisions of Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, and except in cases provided in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, must allow a person requesting to inspect or copy them to do so during its business hours.
(保証等に係る求償権等取得後の帳簿の閲覧等請求権者)
(Person Entitled to Request the Inspection of Books After the Acquisition of Right to Reimbursement Pertaining to Guarantee)
第二十六条の四の五 法第二十四条の二第二項において準用する法第十九条の二に規定する内閣府令で定める者は、次に掲げる者とする。
Article 26-4-5 The reference, in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to persons specified by Cabinet Office Order means:
一 法第二十四条の二第二項において準用する法第十九条の二の債務者等(以下この条において単に「債務者等」という。)又は債務者等であつた者の法定代理人、後見監督人、保佐人、保佐監督人、補助人又は補助監督人
(i) a statutory agent, supervisor of guardian, curator, supervisor of curator, assistant, or supervisor of assistant of the Obligor, etc. prescribed in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act (hereinafter simply referred to as the "Obligor, etc." in this Article) or the person that was formerly an Obligor, etc.;
二 債務者等又は債務者等であつた者の相続人
(ii) the heir of the Obligor, etc. or the person that was formerly an Obligor, etc.;
三 債務者等若しくは債務者等であつた者のために又は債務者等若しくは債務者等であつた者に代わつて弁済をした者
(iii) a person that made the performance on behalf or in lieu of the Obligor, etc. or the person that was formerly an Obligor, etc.;
四 債務者等若しくは債務者等であつた者又は前各号に掲げる者から法第二十四条の二第二項において準用する法第十九条の二の請求について代理権を付与された者
(iv) a person that has been empowered the right of representation for the request under Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act from an Obligor, etc. or a person that was formerly an Obligor, etc. or the persons set forth in the preceding items.
(保証等に係る求償権等取得後の特定公正証書の作成に係る説明事項)
(Matters to be Explained in Regard to the Preparation of Specified Notarized Deeds After the Acquisition of Right to Reimbursement Pertaining to Guarantee)
第二十六条の五 法第二十四条の二第二項において準用する法第二十条第三項第二号に規定する内閣府令で定めるものは、特定公正証書に記載された内容の債務の不履行の場合には、保証業者は、訴訟の提起を行わずに、特定公正証書により債務者等の財産に対する強制執行をすることができる旨とする。
Article 26-5 (1) The reference, in Article 20, paragraph (3), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means, in cases of failure to perform the obligations stated in the Specified Notarized Deeds, a statement to the effect that the Guarantee Business Operator may carry out a compulsory execution against the assets of the Obligor, etc. pursuant to the Specified Notarized Deeds without the filing of lawsuit.
2 第十八条第二項の規定は、保証業者が法第二十四条の二第二項において準用する法第二十条第三項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 18, paragraph (2) of the Act apply mutatis mutandis to the case where the Guarantee Business Operator prepares the documents to be delivered pursuant to Article 20, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act.
(保証等に係る求償権等取得後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Acquisition of the Right to Reimbursement Pertaining to Guarantee)
第二十六条の六 法第二十四条の二第二項において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-6 The reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る法第二十四条の二第二項において準用する法第十七条第一項各号に掲げる事項(当該保証業者の商号、名称又は氏名及び第十三条第一項第一号ソに掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act related to the claim to be collected (excluding the trade name or name of the relevant Guarantee Business Operator and the matters set forth in Article 13, paragraph (1), item (i), sub-item (r));
三 取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、当該契約の基本となる極度方式基本契約に係る法第二十四条の二第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ソに掲げる事項を除く。)
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-item (r)); and
四 保証人に対し取立てをするときは、法第二十四条の二第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)
(iv) in cases of collecting claims from the guarantor, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
(受託弁済者に対する通知)
(Notice to Persons Entrusted With Performance)
第二十六条の七 法第二十四条の三第一項の規定による通知は、書面により行わなければならない。
Article 26-7 (1) A paper document must be used to give the notice under Article 24-3, paragraph (1) of the Act.
2 法第二十四条の三第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、受託弁済者の承諾を得て、同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、貸金業者は、当該書面による通知をしたものとみなす。
(2) With the assent of the Person Entrusted With Performance, in lieu of notice under Article 24-3, paragraph (1) of the Act being given in a paper document as under the preceding paragraph, the Money Lender may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the Person Entrusted With Performance with the information of which it is to notify it pursuant to paragraph (1) of that Article. In such a case, the Money Lender is deemed to have used a paper document to give the notice.
3 貸金業者は、前項の規定により法第二十四条の三第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、受託弁済者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(3) Before seeking to apply the preceding paragraph so as to provide a Person Entrusted With Performance with the information of which that person must be notified pursuant to Article 24-3, paragraph (1) of the Act, a Money Lender must indicate to that person the type and details of the electronic or magnetic means that it will use and have the person assent to this in a paper document or by electronic or magnetic means.
4 前項の規定による承諾を得た貸金業者は、受託弁済者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該受託弁済者に対し、法第二十四条の三第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該受託弁済者が再び前項の規定による承諾をした場合は、この限りでない。
(4) If a Money Lender that has obtained the assent under the preceding paragraph from the Person Entrusted With Performance is informed thereby, in a paper document or by electronic or magnetic means, that the person is unwilling to be provided with information by electronic or magnetic means, the Money Lender must not use electronic or magnetic means to provide the person with the information of which notice must be given pursuant to Article 24-3, paragraph (1) of the Act; provided, however, that this does not apply if the Person Entrusted With Performance reaffirms the assent under the preceding paragraph.
(受託弁済に係る求償権等についての生命保険契約等の締結に係る制限)
(Restrictions on Conclusion of Life Insurance Contract With Regard to Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の七の二 法第二十四条の三第二項において準用する法第十二条の七に規定する内閣府令で定める契約は、第十条の十各号に掲げる契約とする。
Article 26-7-2 The reference, in Article 12-7 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to contracts specified by Cabinet Office Order means contracts set forth in the items of Article 10-10.
(受託弁済に係る求償権等に係る保証契約締結前の書面の交付)
(Delivery of Documents Prior to Concluding a Guarantee Contract Related to the Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の七の三 法第二十四条の三第二項において準用する法第十六条の二第三項第四号に規定する内閣府令で定める事項は、第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
Article 26-7-3 (1) The reference, in Article 16-2, paragraph (3), item (iv) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item.
2 法第二十四条の三第二項において準用する法第十六条の二第三項第五号に規定する内閣府令で定める事項は、第十二条の二第四項に定める事項とする。
(2) The reference, in Article 16-2, paragraph (3), item (v) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in Article 12-2, paragraph (4).
3 法第二十四条の三第二項において準用する法第十六条の二第三項第六号に規定する内閣府令で定める事項は、第十二条の二第五項各号に掲げる事項(同項第十四号に掲げる事項を除く。)とする。
(3) The reference, in Article 16-2, paragraph (3), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 12-2, paragraph (5) (excluding the matters set forth in item (xiv) of that paragraph).
4 第十一条第四項、第十二条の二第六項及び第八項並びに第十三条第八項及び第十一項の規定は、受託弁済者が法第二十四条の三第二項において準用する法第十六条の二第三項の規定により交付すべき書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), Article 12-2, paragraphs (6) and (8), and Article 13, paragraphs (8) and (11) apply mutatis mutandis to the case where the Person Entrusted With Performance prepares the documents to be delivered pursuant to Article 16-2, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act.
(受託弁済に係る求償権等に係る生命保険契約等に係る同意前の書面の交付)
(Delivery of Documents Prior to Obtaining Consent on Life Insurance Contract Related to the Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の七の四 法第二十四条の三第二項において準用する法第十六条の三第一項第二号に規定する内閣府令で定める事項は、第十二条の三第一項各号に掲げる事項とする。
Article 26-7-4 (1) The reference, in Article 16-3, paragraph (1), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 12-3, paragraph (1).
2 第十二条の三第二項の規定は、受託弁済者が法第二十四条の三第二項において準用する法第十六条の三第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 12-3, paragraph (2) apply mutatis mutandis to the case where the Person Entrusted With Performance prepares the documents to be delivered pursuant to Article 16-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act.
(受託弁済に係る求償権等についての書面の交付)
(Delivery of Documents With Regard to the Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の八 法第二十四条の三第二項において準用する法第十七条第一項第八号に規定する内閣府令で定める事項は、第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、タ及びソに掲げる事項を除く。)とする。
Article 26-8 (1) The reference, in Article 17, paragraph (1), item (viii) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each the item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e), (p) and (r) of that paragraph).
2 法第二十四条の三第二項において準用する法第十七条第一項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の三第二項において準用する法第十七条第二項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(2) The reference, in the second sentence of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, these matters are excluded).
3 法第二十四条の三第二項において準用する法第十七条第二項第七号に規定する内閣府令で定める事項は、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、ヨ、タ及びソ(金銭の貸借の媒介にあつては、タ及びソに限る。)に掲げる事項を除く。)とする。
(3) The reference, in Article 17, paragraph (2), item (vii) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e), (o), (p), and (r) of that paragraph (in cases of money brokerage, limited to sub-items (p) and (r))).
4 法第二十四条の三第二項において準用する法第十七条第二項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(4) The reference, in the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in that item.
5 法第二十四条の三第二項において準用する法第十七条第三項に規定する内閣府令で定める事項は、第十三条第六項各号に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)とする。
(5) The reference, in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (6) (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
6 法第二十四条の三第二項において準用する法第十七条第三項後段に規定する内閣府令で定める事項は、第十三条第七項各号に定める事項とする。
(6) The reference, in the second sentence of Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (7).
7 法第二十四条の三第二項において準用する法第十七条第四項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の三第二項において準用する法第十七条第五項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(7) The reference, in the second sentence of Article 17, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, these matters are excluded).
8 法第二十四条の三第二項において準用する法第十七条第五項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(8) The reference, in the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover.
9 第十一条第四項並びに第十三条第八項、第十一項及び第十五項の規定は、受託弁済者が法第二十四条の三第二項において準用する法第十七条の規定により交付すべき書面を作成する場合について準用する。
(9) The provisions of Article 11, paragraph (4), and Article 13, paragraphs (8), (11) and (15) apply mutatis mutandis to the case where the Person Entrusted With Performance prepares the documents to be delivered pursuant to Article 17 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act.
(受託弁済に係る求償権等取得後の受取証書の交付)
(Delivery of Receipt After the Acquisition of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の九 法第二十四条の三第二項において準用する法第十八条第一項第六号に規定する内閣府令で定める事項は、第十五条第一項各号に掲げる事項とする。
Article 26-9 (1) The reference, in Article 18, paragraph (1), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 15, paragraph (1).
2 第十五条第三項の規定は、受託弁済者が法第二十四条の三第二項において準用する法第十八条第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 15, paragraph (3) apply mutatis mutandis to the case where the Person Entrusted With Performance prepares the documents to be delivered pursuant to Article 18, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act.
3 法第二十四条の三第二項において準用する法第十八条第三項に規定する内閣府令で定める書面は、第十五条第四項に定める書面とする。
(3) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to documents specified by Cabinet Office Order means documents specified in Article 15, paragraph (4).
4 第十一条第四項及び第十五条第五項の規定は、受託弁済者が前項の書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), and Article 15, paragraph (5) apply mutatis mutandis to the case where the Person Entrusted With Performance prepares the documents prescribed in the preceding paragraph.
5 法第二十四条の三第二項において読み替えて準用する法第十八条第三項に規定する内閣府令で定める手続は、受託弁済者が、受託弁済に係る求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(5) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-3, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the Person Entrusted With Performance notifies the counterparty to the Contract for a Loan connected to the Right to Reimbursement, etc. Pertaining to Performance under Entrustment and any other person paying all or part of a claim under the contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の三第二項において準用する法第十八条第三項に規定する内閣府令で定める書面を交付する旨
(i) that the person will issue the document specified by Cabinet Office Order which is referred to in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act;
二 法第二十四条の三第二項において準用する法第十八条第三項の規定により同条第一項の規定による書面の交付に代えて同条第三項各号に掲げる事項を記載した書面を交付する旨
(ii) that, pursuant to Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, the person will issue a document stating the information set forth in the items of Article 18, paragraph (3) of the Act in lieu of issuing the document under Article 18, paragraph (1) of the Act; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) a that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
6 法第二十四条の三第二項において読み替えて準用する法第十八条第四項に規定する内閣府令で定める手続は、受託弁済者が、受託弁済に係る求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(6) The reference, in Article 18, paragraph (4) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-3, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the Person Entrusted With Performance notifies the counterparty to the Contract for a Loan connected with the Right to Reimbursement, etc. Pertaining to Performance under Entrustment and any other person paying all or part of a claim under the contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の三第二項において準用する法第十八条第四項の規定により同条第一項に規定する書面の交付又は同条第三項の内閣府令で定める書面の交付若しくは同項の規定により同条第一項の規定による書面の交付に代えて交付する書面の交付に代えて同項若しくは同条第三項に規定する事項又は同項の内閣府令で定める書面に記載すべき事項を電磁的方法により提供する旨
(i) that, pursuant to Article 18, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, the Person Entrusted With Performance will use electronic or magnetic means to provide the information prescribed in Article 18, paragraph (1) or (3) of the Act or the information required to be stated in the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article, in lieu of issuing a document as prescribed paragraph (1) of that Article; in lieu of issuing the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article; or in lieu of issuing, pursuant to that paragraph, the document that is to be issued in lieu of the document prescribed in paragraph (1) of that Article;
二 その用いる電磁的方法の種類及び内容として、次に掲げる事項
(ii) the following information as to the type and details of the electronic or magnetic means that will be used:
イ 第一条の二第一項第二号に定める方法のうち受託弁済者が使用するもの
(a) which of the means specified in Article 1-2, paragraph (1), item (ii) the Person Entrusted With Repayment will use; and
ロ ファイルへの記録の方式
(b) in what format the data will be recorded in the file; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
7 第五項第三号及び前項第三号の期間は、一月を下つてはならない。
(7) The period referred to in paragraph (5), item (iii) and item (iii) of the preceding paragraph must not be less than one month.
(受託弁済に係る求償権等取得後の帳簿の備付け)
(Keeping of Books After the Acquisition of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の九の二 第十六条の規定は、受託弁済者が法第二十四条の三第二項において準用する法第十九条の帳簿を作成する場合について準用する。この場合において、第十六条第一項第二号中「第二号から」とあるのは「第四号から」と、同項第三号中「締結したとき」とあるのは「締結されているとき、又は締結したとき」と読み替えるものとする。
Article 26-9-2 The provisions of Article 16 apply mutatis mutandis to the case where the Person Entrusted With Performance prepares the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act. In this case, the term "items (ii) to" in Article 16, paragraph (1), item (ii) is deemed to be replaced with "items (iv) to," and the phrase "is concluded" in item (iii) of that paragraph is deemed to be replaced with "has been concluded or is concluded."
第二十六条の九の三 受託弁済者は、法第二十四条の三第二項において準用する法第十九条の帳簿を、取得した受託弁済に係る求償権等ごとに、当該求償権等の最終の返済期日(当該求償権等が弁済その他の事由により消滅したときにあつては、当該求償権等の消滅した日)から少なくとも十年間保存しなければならない。ただし、当該求償権等が極度方式貸付けに係る契約に係るものである場合には、当該求償権等に係る極度方式基本契約に基づく極度方式貸付けに係る契約に係る受託弁済に係る求償権等のうち取得したものの最終の返済期日(これらの求償権等のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうち最後のものから少なくとも十年間保存しなければならない。
Article 26-9-3 (1) A Person Entrusted With Performance must preserve the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act for each Right to Reimbursement, etc. Pertaining to Performance under Entrustment acquired thereby, for at least ten years from the final repayment due date of the relevant Right to Reimbursement, etc. (in cases where the relevant Right to Reimbursement, etc. has extinguished upon performance or on any other grounds, the day on which the Right to Reimbursement, etc. extinguished); provided, however, that, in cases where the relevant Right to Reimbursement, etc. is one under a contract for a Revolving Credit Loan, the Person Entrusted With Repayment must preserve the relevant books for ten years from, among the final repayment due dates of the acquired Rights to eimbursement, etc. Pertaining to Performance under Entrustment under the contract for a Revolving Credit Loan based on the Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. (in cases where all of these Rights to Reimbursement, etc. have extinguished upon performance or on any other grounds, the day on which the Rights to Reimbursement, etc. extinguished), the latest date.
2 受託弁済者は、その営業所等が現金自動設備であるときは、帳簿の備付けを行うことを要しない。
(2) In cases where the Business Office, etc. of the Person Entrusted With Performance is an Automatic Cash Machine, the Person Entrusted With Performance is not required to keep books.
(受託弁済に係る求償権等取得後の帳簿の閲覧方法)
(Method of Inspection of Books After the Acquisition of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の九の四 受託弁済者は、法第二十四条の三第二項において準用する法第十九条の規定に基づき、同条の帳簿をその営業所等ごと(営業所等を有しない者にあつては、住所地又は居所地)に備え置き、同項において準用する法第十九条の二に規定するときを除くほか、その営業時間内に、請求者の請求に応じて閲覧又は謄写をさせなければならない。
Article 26-9-4 A Person Entrusted With Performance must keep the books referred to in Article 19 of the Act at each Business Office, etc. thereof (or at the domicile or residence of a person with no Business Office, etc.) based on the provisions of Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, and except in cases provided in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, must allow a person requesting to inspect or copy them to do so during its business hours.
(受託弁済に係る求償権等取得後の帳簿の閲覧等請求権者)
(Person Entitled to Request the Inspection of Books After the Acquisition of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の九の五 法第二十四条の三第二項において準用する法第十九条の二に規定する内閣府令で定める者は、次に掲げる者とする。
Article 26-9-5 The reference, in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to persons specified by Cabinet Office Order means:
一 法第二十四条の三第二項において準用する法第十九条の二の債務者等(以下この条において単に「債務者等」という。)又は債務者等であつた者の法定代理人、後見監督人、保佐人、保佐監督人、補助人又は補助監督人
(i) a statutory agent, supervisor of guardian, curator, supervisor of curator, assistant, or supervisor of assistant of the Obligor, etc. prescribed in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act (hereinafter simply referred to as the "Obligor, etc." in this Article) or a person that was formerly an Obligor, etc.;
二 債務者等又は債務者等であつた者の相続人
(ii) the heir of the Obligor, etc. or a person that was formerly an Obligor, etc.;
三 債務者等若しくは債務者等であつた者のために又は債務者等若しくは債務者等であつた者に代わつて弁済をした者
(iii) a person that made the performance on behalf or in lieu of the Obligor, etc. or the person that was formerly an Obligor, etc.;
四 債務者等若しくは債務者等であつた者又は前各号に掲げる者から法第二十四条の三第二項において準用する法第十九条の二の請求について代理権を付与された者
(iv) a person that has been empowered the right of representation for the request under Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act from an Obligor, etc., a person that was formerly an Obligor, etc. or the persons set forth in the preceding items.
(受託弁済に係る求償権等取得後の特定公正証書の作成に係る説明事項)
(Matters to be Explained in Regard to the Preparation of Specified Notarized Deeds After the Acquisition of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の十 法第二十四条の三第二項において準用する法第二十条第三項第二号に規定する内閣府令で定めるものは、特定公正証書に記載された内容の債務の不履行の場合には、受託弁済者は、訴訟の提起を行わずに、特定公正証書により債務者等の財産に対する強制執行をすることができる旨とする。
Article 26-10 (1) The reference, in Article 20, paragraph (3), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means, in cases of failure to perform the obligations stated in the Specified Notarized Deeds, a statement to the effect that the Person Entrusted With Performance may carry out a compulsory execution against the assets of the Obligor, etc. pursuant to the Specified Notarized Deeds without the filing of lawsuit.
2 第十八条第二項の規定は、受託弁済者が法第二十四条の三第二項において準用する法第二十条第三項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 18, paragraph (2) of the Act apply mutatis mutandis to the case where the Person Entrusted With Performance prepares the documents to be delivered pursuant to Article 20, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act.
(受託弁済に係る求償権等取得後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Acquisition of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の十一 法第二十四条の三第二項において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-11 The reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る法第二十四条の三第二項において準用する法第十七条第一項各号に掲げる事項(当該受託弁済者の商号、名称又は氏名及び第十三条第一項第一号ソに掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act related to the claim to be collected (excluding the trade name or name of the relevant Person Entrusted With Performance and the matters set forth in Article 13, paragraph (1), item (i), sub-item (r));
三 取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、当該契約の基本となる極度方式基本契約に係る法第二十四条の三第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ソに掲げる事項を除く。)
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-item (r));
四 保証人に対し取立てをするときは、法第二十四条の三第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)
(iv) in cases of collecting claims from the guarantor, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
(保証等に係る求償権等を譲り受ける者に対する通知)
(Notice to the Assignee of the Right to Reimbursement Pertaining to Guarantee)
第二十六条の十二 法第二十四条の四第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-12 (1) The reference, in Article 24-4, paragraph (1) of the Act, to matters specified by Cabinet Office Order means:
一 当該保証等に係る求償権等が貸金業者の貸付けに係る契約に係る保証により発生したこと。
(i) that the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc. has accrued from the guarantee pertaining to the loan contract made by the Money Lender;
二 法第二十四条の二第二項において準用する法第十七条第一項各号に掲げる事項(第十三条第一項第一号ホ、ト、タ及びソ(売渡担保にあつては、タ及びソに限る。)に掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (e), (g), (p), and (r) (in cases of a collateral by sale, limited to sub-items (p) and (r)));
三 極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、法第二十四条の二第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ホ、ト、ヨ、タ及びソ(売渡担保にあつてはヨ、タ及びソに限り、金銭の貸借の媒介にあつてはタ及びソに限る。)並びに第二号ハに掲げる事項を除く。)
(iii) in cases of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-items (e), (g), (o), (p), and (r) (limited to, in cases of a collateral by sale, sub-items (o), (p), and (r), and in cases of money brokerage, sub-items (p) and (r)), and item (ii), sub-item (c));
四 当該債権について保証契約を締結したときは、法第二十四条の二第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第七号及び第十四号に掲げる事項を除く。)
(iv) in cases where a guarantee contract is concluded for the relevant claim, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-2, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (vii) and (xiv)); and
五 譲渡年月日及び当該債権の額
(v) the date of assignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the assignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 法第二十四条の四第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used to give the notice under Article 24-4, paragraph (1) of the Act.
4 法第二十四条の四第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、保証等に係る求償権等を譲り受ける者の承諾を得て、同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、保証業者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the Right to Reimbursement, etc. Pertaining to a Guarantee, etc., in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24-4, paragraph (1) of the Act, the Guarantee Business Operator may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee with the information of which it is to notify it pursuant to paragraph (1) of that Article. In such a case, the Guarantee Business Operator is deemed to have used a paper document to give the notice.
5 保証業者は、前項の規定により法第二十四条の四第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、保証等に係る求償権等を譲り受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. with the information of which that assignee must be notified pursuant to Article 24-4, paragraph (1) of the Act, a Guarantee Business Operator must indicate to the assignee the type and details of the electronic or magnetic means it will use and have the assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た保証業者は、保証等に係る求償権等を譲り受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該保証等に係る求償権等を譲り受ける者に対し、法第二十四条の四第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該保証等に係る求償権等を譲り受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If a Guarantee Business Operator that has obtained the assent under the preceding paragraph from the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. is informed thereby, in a paper document or by electronic or magnetic means, that the assignee is unwilling to be provided with information by electronic or magnetic means, the Guarantee Business Operator must not use electronic or magnetic means to provide the assignee with the information of which notice must be given pursuant to Article 24-4, paragraph (1) of the Act; provided, however, that this does not apply if the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. reaffirms the assent under the preceding paragraph.
(譲り受けた保証等に係る求償権等についての生命保険契約等の締結に係る制限)
(Restrictions on Conclusion of Life Insurance Contract With Regard to the Assigned Right to Reimbursement Pertaining to Guarantee)
第二十六条の十二の二 法第二十四条の四第二項において準用する法第十二条の七に規定する内閣府令で定める契約は、第十条の十各号に掲げる契約とする。
Article 26-12-2 The reference, in Article 12-7 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to contracts specified by Cabinet Office Order means contracts set forth in the items of Article 10-10.
(譲り受けた保証等に係る求償権等に係る保証契約締結前の書面の交付)
(Delivery of Documents Prior to Concluding a Guarantee Contract Related to the Assigned Right to Reimbursement Pertaining to Guarantee)
第二十六条の十二の三 法第二十四条の四第二項において準用する法第十六条の二第三項第四号に規定する内閣府令で定める事項は、第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
Article 26-12-3 (1) The reference, in Article 16-2, paragraph (3), item (iv) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item.
2 法第二十四条の四第二項において準用する法第十六条の二第三項第五号に規定する内閣府令で定める事項は、第十二条の二第四項に定める事項とする。
(2) The reference, in Article 16-2, paragraph (3), item (v) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in Article 12-2, paragraph (4).
3 法第二十四条の四第二項において準用する法第十六条の二第三項第六号に規定する内閣府令で定める事項は、第十二条の二第五項各号に掲げる事項(同項第十四号に掲げる事項を除く。)とする。
(3) The reference, in Article 16-2, paragraph (3), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 12-2, paragraph (5) (excluding the matters set forth in item (xiv) of that paragraph).
4 第十一条第四項、第十二条の二第六項及び第八項並びに第十三条第八項及び第十一項の規定は、保証等に係る求償権等を譲り受けた者が法第二十四条の四第二項において準用する法第十六条の二第三項の規定により交付すべき書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), Article 12-2, paragraphs (6) and (8), and Article 13, paragraphs (8) and (11) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the documents to be delivered pursuant to Article 16-2, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act.
(譲り受けた保証等に係る求償権等に係る生命保険契約等に係る同意前の書面の交付)
(Delivery of Documents Prior to Obtaining Consent on Life Insurance Contract Related to the Assigned Right to Reimbursement Pertaining to Guarantee)
第二十六条の十二の四 法第二十四条の四第二項において準用する法第十六条の三第一項第二号に規定する内閣府令で定める事項は、第十二条の三第一項各号に掲げる事項とする。
Article 26-12-4 (1) The reference, in Article 16-3, paragraph (1), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 12-3, paragraph (1):
2 第十二条の三第二項の規定は、保証等に係る求償権等を譲り受けた者が法第二十四条の四第二項において準用する法第十六条の三第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 12-3, paragraph (2) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the documents to be delivered pursuant to Article 16-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act.
(譲り受けた保証等に係る求償権等についての書面の交付)
(Delivery of Documents With Regard to the Assigned Right to Reimbursement Pertaining to Guarantee)
第二十六条の十三 法第二十四条の四第二項において準用する法第十七条第一項第八号に規定する内閣府令で定める事項は、第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、タ及びソに掲げる事項を除く。)とする。
Article 26-13 (1) The reference, in Article 17, paragraph (1), item (viii) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e), (p), and (r) of that paragraph).
2 法第二十四条の四第二項において準用する法第十七条第一項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の四第二項において準用する法第十七条第二項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(2) The reference, in the second sentence of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, the matters are excluded).
3 法第二十四条の四第二項において準用する法第十七条第二項第七号に規定する内閣府令で定める事項は、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、ヨ、タ及びソ(金銭の貸借の媒介にあつては、タ及びソに限る。)に掲げる事項を除く。)とする。
(3) The reference, in Article 17, paragraph (2), item (vii) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e), (o), (p), and (r) of that paragraph (in cases of money brokerage, limited to sub-items (p) and (r))).
4 法第二十四条の四第二項において準用する法第十七条第二項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(4) The reference, in the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item.
5 法第二十四条の四第二項において準用する法第十七条第三項に規定する内閣府令で定める事項は、第十三条第六項各号に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)とする。
(5) The reference, in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (6) (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
6 法第二十四条の四第二項において準用する法第十七条第三項後段に規定する内閣府令で定める事項は、第十三条第七項各号に定める事項とする。
(6) The reference, in the second sentence of Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (7).
7 法第二十四条の四第二項において準用する法第十七条第四項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の四第二項において準用する法第十七条第五項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(7) The reference, in the second sentence of Article 17, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, the matters are excluded).
8 法第二十四条の四第二項において準用する法第十七条第五項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(8) The reference, in the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover.
9 第十一条第四項並びに第十三条第八項、第十一項及び第十五項の規定は、保証等に係る求償権等を譲り受けた者が法第二十四条の四第二項において準用する法第十七条の規定により交付すべき書面を作成する場合について準用する。
(9) The provisions of Article 11, paragraph (4), and Article 13, paragraphs (8), (11) and (15) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the documents to be delivered pursuant to Article 17 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act.
(保証等に係る求償権等譲渡後の受取証書の交付)
(Delivery of Receipt After the Assignment of Right to Reimbursement Pertaining to Guarantee)
第二十六条の十四 法第二十四条の四第二項において準用する法第十八条第一項第六号に規定する内閣府令で定める事項は、第十五条第一項各号に掲げる事項とする。
Article 26-14 (1) The reference, in Article 18, paragraph (1), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 15, paragraph (1).
2 第十五条第三項の規定は、保証等に係る求償権等を譲り受けた者が法第二十四条の四第二項において準用する法第十八条第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 15, paragraph (3) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the documents to be delivered pursuant to Article 18, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act.
3 法第二十四条の四第二項において準用する法第十八条第三項に規定する内閣府令で定める書面は、第十五条第四項に定める書面とする。
(3) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to documents specified by Cabinet Office Order means documents specified in Article 15, paragraph (4).
4 第十一条第四項及び第十五条第五項の規定は、保証等に係る求償権等を譲り受けた者が前項の書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), and Article 15, paragraph (5) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the documents prescribed in the preceding paragraph.
5 法第二十四条の四第二項において読み替えて準用する法第十八条第三項に規定する内閣府令で定める手続は、保証等に係る求償権等を譲り受けた者が、当該求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(5) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-4, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. notifies the counterparty to the Contract for a Loan connected with the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and any other person paying all or part of a claim under the contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の四第二項において準用する法第十八条第三項に規定する内閣府令で定める書面を交付する旨
(i) that the assignee will issue the document specified by Cabinet Office Order which is referred to in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act;
二 法第二十四条の四第二項において準用する法第十八条第三項の規定により同条第一項の規定による書面の交付に代えて同条第三項各号に掲げる事項を記載した書面を交付する旨
(ii) that, pursuant to Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, the assignee will issue a document giving the information set forth in the items of Article 18, paragraph (3) of the Act in lieu of issuing a document under paragraph (1) of that Article; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
6 法第二十四条の四第二項において読み替えて準用する法第十八条第四項に規定する内閣府令で定める手続は、保証等に係る求償権等を譲り受けた者が、当該求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(6) The reference, in Article 18, paragraph (4) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-4, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. notifies the counterparty to the Contract for a Loan connected with the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and any other person paying all or part of a claim under the contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の四第二項において準用する法第十八条第四項の規定により同条第一項に規定する書面の交付又は同条第三項の内閣府令で定める書面の交付若しくは同項の規定により同条第一項の規定による書面の交付に代えて交付する書面の交付に代えて同項若しくは同条第三項に規定する事項又は同項の内閣府令で定める書面に記載すべき事項を電磁的方法により提供する旨
(i) that, pursuant to Article 18, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, the assignee will use electronic or magnetic means to provide the information prescribed in Article 18, paragraph (1) or (3) of the Act or the information required to be stated in the document specified by Cabinet Office Order which is referred to in paragraph (3), in lieu of issuing a document as prescribed in paragraph (1) of that Article; in lieu of issuing the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article; or in lieu of issuing, pursuant to that paragraph, the document that is to be issued in lieu of the document prescribed in paragraph (1) of that Article;
二 その用いる電磁的方法の種類及び内容として、次に掲げる事項
(ii) the following information as to the type and details of the electronic or magnetic means that will be used:
イ 第一条の二第一項第二号に定める方法のうち保証等に係る求償権等を譲り受けた者が使用するもの
(a) which of the means specified in Article 1-2, paragraph (1), item (ii) the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. will use; and
ロ ファイルへの記録の方式
(b) in what format the data will be recorded in the file;
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objections to a matter set forth in the preceding two items must be stated within a fixed period.
7 第五項第三号及び前項第三号の期間は、一月を下つてはならない。
(7) The period referred to in paragraph (5), item (iii) and item (iii) of the preceding paragraph must not be less than one month.
(保証等に係る求償権等譲渡後の帳簿の備付け)
(Keeping of Books After the Assignment of Right to Reimbursement Pertaining to Guarantee)
第二十六条の十四の二 第十六条の規定は、保証等に係る求償権等を譲り受けた者が法第二十四条の四第二項において準用する法第十九条の帳簿を作成する場合について準用する。この場合において、第十六条第一項第二号中「第二号から」とあるのは「第四号から」と、同項第三号中「締結したとき」とあるのは「締結されているとき、又は締結したとき」と読み替えるものとする。
Article 26-14-2 The provisions of Article 16 apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act. In this case, the term "items (ii) to" in Article 16, paragraph (1), item (ii) is deemed to be replaced with "items (iv) to," and the phrase "is concluded" in item (iii) of that paragraph is deemed to be replaced with "has been concluded or is concluded."
第二十六条の十四の三 保証等に係る求償権等を譲り受けた者は、法第二十四条の四第二項において準用する法第十九条の帳簿を、譲り受けた保証等に係る求償権等ごとに、当該求償権等の最終の返済期日(当該求償権等が弁済その他の事由により消滅したときにあつては、当該求償権等の消滅した日)から少なくとも十年間保存しなければならない。ただし、当該求償権等が極度方式貸付けに係る契約に係るものである場合には、当該求償権等に係る極度方式基本契約に基づく極度方式貸付けに係る契約に係る保証等に係る求償権等のうち譲り受けたものの最終の返済期日(これらの求償権等のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうち最後のものから少なくとも十年間保存しなければならない。
Article 26-14-3 (1) An assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. must preserve the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act for each assigned Right to Reimbursement, etc. Pertaining to Guarantee, etc., for at least ten years from the final repayment due date of the relevant Right to Reimbursement, etc. (in cases where the relevant Right to Reimbursement, etc. has extinguished upon performance or on any other grounds, the day on which the Right to Reimbursement, etc. extinguished); provided, however, that, in cases where the relevant Right to Reimbursement, etc. is one under a contract for a Revolving Credit Loan, the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. must preserve the relevant books for ten years from, among the final repayment due dates of the assigned Rights to Reimbursement, etc. Pertaining to Guarantee, etc. under the contract for a Revolving Credit Loan based on the Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. (in cases where all of these Rights to Reimbursement, etc. have extinguished upon performance or on any other grounds, the day on which the Rights to Reimbursement, etc. extinguished), the latest date.
2 保証等に係る求償権等を譲り受けた者は、その営業所等が現金自動設備であるときは、帳簿の備付けを行うことを要しない。
(2) In cases where the Business Office, etc. of the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. is an Automatic Cash Machine, the assignee is not required to keep books.
(保証等に係る求償権等譲渡後の帳簿の閲覧方法)
(Method of Inspection of Books After the Assignment of Right to Reimbursement Pertaining to Guarantee)
第二十六条の十四の四 保証等に係る求償権等を譲り受けた者は、法第二十四条の四第二項において準用する法第十九条の規定に基づき、同条の帳簿をその営業所等ごと(営業所等を有しない者にあつては、住所地又は居所地)に備え置き、同項において準用する法第十九条の二に規定するときを除くほか、その営業時間内に、請求者の請求に応じて閲覧又は謄写をさせなければならない。
Article 26-14-4 An assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. must keep the books referred to in Article 19 of the Act at each Business Office, etc. thereof (or at the domicile or residence of a person with no Business Office, etc.) based on the provisions of Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, and except in cases provided in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, must allow a person requesting to inspect or copy them to do so during its business hours.
(保証等に係る求償権等譲渡後の帳簿の閲覧等請求権者)
(Person Entitled to Request the Inspection of Books After the Assignment of Right to Reimbursement Pertaining to Guarantee)
第二十六条の十四の五 法第二十四条の四第二項において準用する法第十九条の二に規定する内閣府令で定める者は、次に掲げる者とする。
Article 26-14-5 The reference, in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to persons specified by Cabinet Office Order means:
一 法第二十四条の四第二項において準用する法第十九条の二の債務者等(以下この条において単に「債務者等」という。)又は債務者等であつた者の法定代理人、後見監督人、保佐人、保佐監督人、補助人又は補助監督人
(i) a statutory agent, supervisor of guardian, curator, supervisor of curator, assistant, or supervisor of assistant of the Obligor, etc. prescribed in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act (hereinafter simply referred to as the "Obligor, etc." in this Article) or the person that was formerly an Obligor, etc.;
二 債務者等又は債務者等であつた者の相続人
(ii) the heir of the Obligor, etc. or the person that was formerly an Obligor, etc.;
三 債務者等若しくは債務者等であつた者のために又は債務者等若しくは債務者等であつた者に代わつて弁済をした者
(iii) a person that made the performance on behalf or in lieu of the Obligor, etc. or the person that was formerly an Obligor, etc.; and
四 債務者等若しくは債務者等であつた者又は前各号に掲げる者から法第二十四条の四第二項において準用する法第十九条の二の請求について代理権を付与された者
(iv) a person that has been empowered the right of representation for the request under Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act from an Obligor, etc., a person that was formerly an Obligor, etc. or the persons set forth in the preceding items.
(保証等に係る求償権等譲渡後の特定公正証書の作成に係る説明事項)
(Matters to be Explained in Regard to the Preparation of Specified Notarized Deeds After the Assignment of Right to Reimbursement Pertaining to Guarantee)
第二十六条の十五 法第二十四条の四第二項において準用する法第二十条第三項第二号に規定する内閣府令で定めるものは、特定公正証書に記載された内容の債務の不履行の場合には、保証等に係る求償権等を譲り受けた者は、訴訟の提起を行わずに、特定公正証書により債務者等の財産に対する強制執行をすることができる旨とする。
Article 26-15 (1) The reference, in Article 20, paragraph (3), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means, in cases of failure to perform the obligations stated in the Specified Notarized Deeds, a statement to the effect that the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. may carry out a compulsory execution against the assets of the Obligor, etc. pursuant to the Specified Notarized Deeds without the filing of lawsuit.
2 第十八条第二項の規定は、保証等に係る求償権等を譲り受けた者が法第二十四条の四第二項において準用する法第二十条第三項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 18, paragraph (2) of the Act apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the documents to be delivered pursuant to Article 20, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act.
(保証等に係る求償権等譲渡後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Assignment of the Right to Reimbursement Pertaining to Guarantee)
第二十六条の十六 法第二十四条の四第二項において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-16 The reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る法第二十四条の四第二項において準用する法第十七条第一項各号に掲げる事項(当該保証等に係る求償権等を譲り受けた者の商号、名称又は氏名及び第十三条第一項第一号ソに掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act related to the claim to be collected (excluding the trade name or name of the relevant assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the matters set forth in Article 13, paragraph (1), item (i), sub-item (r));
三 取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、当該契約の基本となる極度方式基本契約に係る法第二十四条の四第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ソに掲げる事項を除く。)
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-item (r)); and
四 保証人に対し取立てをするときは、法第二十四条の四第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)
(iv) in cases of collecting claims from the guarantor, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
(保証等に係る求償権等の再譲渡を受ける者に対する通知)
(Notice to the Assignee of the Reassigned Right to Reimbursement Pertaining to Guarantee)
第二十六条の十七 法第二十四条の四第二項において準用する同条第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-17 (1) The reference, in Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, to matters specified by Cabinet Office Order means:
一 当該保証等に係る求償権等が貸金業者の貸付けに係る契約に係る保証により発生したこと。
(i) that the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc. has accrued from the guarantee pertaining to the loan contract made by the Money Lender;
二 法第二十四条の四第二項において準用する法第十七条第一項各号に掲げる事項(第十三条第一項第一号ホ、ト、タ及びソ(売渡担保にあつては、タ及びソに限る。)に掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (e), (g), (p), and (r) (in cases of a collateral by sale, limited to sub-items (p) and (r)));
三 極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、法第二十四条の四第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ホ、ト、ヨ、タ及びソ(売渡担保にあつてはヨ、タ及びソに限り、金銭の貸借の媒介にあつてはタ及びソに限る。)並びに第二号ハに掲げる事項を除く。)
(iii) in cases of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-items (e), (g), (o), (p), and (r) (limited to, in cases of a collateral by sale, sub-items (o), (p), and (r), and in cases of money brokerage, sub-items (p) and (r)), and item (ii), sub-item (c));
四 当該債権について保証契約を締結したときは、法第二十四条の四第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第七号及び第十四号に掲げる事項を除く。)
(iv) in cases where a guarantee contract is concluded for the relevant claim, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-4, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (vii) and (xiv)); and
五 再譲渡年月日及び当該債権の額
(v) the date of reassignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の再譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the reassignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 法第二十四条の四第二項において準用する同条第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used to give the notice under Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article.
4 法第二十四条の四第二項において準用する同条第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、保証等に係る求償権等の再譲渡を受ける者の承諾を得て、同条第二項において準用する同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、保証等に係る求償権等を譲り受けた者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the reassigned Right to Reimbursement, etc. Pertaining to a Guarantee, etc., in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc. with the information of which it is to notify it pursuant to paragraph (1) of that Article as applied mutatis mutandis pursuant to paragraph (2) of that Article. In such a case, the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. is deemed to have used a paper document to give the notice.
5 保証等に係る求償権等を譲り受けた者は、前項の規定により法第二十四条の四第二項において準用する同条第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、保証等に係る求償権等の再譲渡を受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of the reassigned Right to Reimbursement, etc. Pertaining to a Guarantee, etc. with the information of which that assignee must be notified pursuant to Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. must indicate to the assignee on reassignment the type and details of the electronic or magnetic means it will use and have the assignee on reassignment assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た保証等に係る求償権等を譲り受けた者は、保証等に係る求償権等の再譲渡を受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該保証等に係る求償権等の再譲渡を受ける者に対し、法第二十四条の四第二項において準用する同条第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該保証等に係る求償権等の再譲渡を受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If the original assignee of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. that has obtained the assent under the preceding paragraph from the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc. is informed thereby, in a paper document or by electronic or magnetic means, that the assignee on reassignment is unwilling to be provided with information by electronic or magnetic means, the original assignee must not use electronic or magnetic means to provide the assignee on reassignment with the information of which notice must be given pursuant to Article 24-4, paragraph (1) of the Act; provided, however, that this does not apply if the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc. reaffirms the assent under the preceding paragraph.
(受託弁済に係る求償権等を譲り受ける者に対する通知)
(Notice to the Assignee of the Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の十八 法第二十四条の五第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-18 (1) The reference, in Article 24-5, paragraph (1) of the Act, to matters specified by Cabinet Office Order means:
一 当該受託弁済に係る求償権等が貸金業者の貸付けの契約に基づく債務の弁済により発生したこと。
(i) that the relevant Right to Reimbursement, etc. Pertaining to Performance under Entrustment has accrued from the performance of the obligation under the Contract for a Loan made by the Money Lender;
二 法第二十四条の三第二項において準用する法第十七条第一項各号に掲げる事項(第十三条第一項第一号ホ、ト、タ及びソ(売渡担保にあつては、タ及びソに限る。)に掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (e), (g), (p), and (r) (in cases of a collateral by sale, limited to sub-items (p) and (r)));
三 極度方式貸付けに係る契約に係る受託弁済に係る求償権等であるときは、法第二十四条の三第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ホ、ト、ヨ、タ及びソ(売渡担保にあつてはヨ、タ及びソに限り、金銭の貸借の媒介にあつてはタ及びソに限る。)並びに第二号ハに掲げる事項を除く。)
(iii) in cases of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment related to a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-items (e), (g), (o), (p), and (r) (limited to, in cases of a collateral by sale, sub-items (o), (p), and (r), and in cases of money brokerage, sub-items (p) and (r)), and item (ii), sub-item (c));
四 当該債権について保証契約を締結したときは、法第二十四条の三第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第七号及び第十四号に掲げる事項を除く。)
(iv) in cases where a guarantee contract is concluded for the relevant claim, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-3, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (vii) and (xiv)); and
五 譲渡年月日及び当該債権の額
(v) the date of assignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the assignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 法第二十四条の五第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used to give the notice under Article 24-5, paragraph (1) of the Act.
4 法第二十四条の五第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、受託弁済に係る求償権等を譲り受ける者の承諾を得て、同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、受託弁済者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24-5, paragraph (1) of the Act the Person Entrusted With Performance may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment with the information of which it is to notify it pursuant to paragraph (1) of that Article. In such a case, the Person Entrusted With Performance is deemed to have used a paper document to give the notice.
5 受託弁済者は、前項の規定により法第二十四条の五第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、受託弁済に係る求償権等を譲り受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment with the information of which the assignee must be notified pursuant to Article 24-5, paragraph (1) of the Act, the Person Entrusted With Performance must indicate to the assignee the type and details of the electronic or magnetic means it will use and have the assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た受託弁済者は、受託弁済に係る求償権等を譲り受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該受託弁済に係る求償権等を譲り受ける者に対し、法第二十四条の五第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該受託弁済に係る求償権等を譲り受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If a Person Entrusted With Performance that has obtained the assent under the preceding paragraph from the assignee of a Right to Reimbursement, etc. Pertaining to Performance under Entrustment is informed thereby, in a paper document or by electronic or magnetic means, that the assignee is unwilling to be provided with information by electronic or magnetic means, the Person Entrusted With Performance must not use electronic or magnetic means to provide the assignee with the information of which notice must be given pursuant to Article 24-5, paragraph (1) of the Act; provided, however, that this does not apply if the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment reaffirms the assent under the preceding paragraph.
(譲り受けた受託弁済に係る求償権等についての生命保険契約等の締結に係る制限)
(Restrictions on Conclusion of Life Insurance Contract With Regard to the Assigned Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の十八の二 法第二十四条の五第二項において準用する法第十二条の七に規定する内閣府令で定める契約は、第十条の十各号に掲げる契約とする。
Article 26-18-2 The reference, in Article 12-7 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to contracts specified by Cabinet Office Order means contracts set forth in the items of Article 10-10.
(譲り受けた受託弁済に係る求償権等に係る保証契約締結前の書面の交付)
(Delivery of Documents Prior to Concluding a Guarantee Contract Related to the Assigned Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の十八の三 法第二十四条の五第二項において準用する法第十六条の二第三項第四号に規定する内閣府令で定める事項は、第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
Article 26-18-3 (1) The reference, in Article 16-2, paragraph (3), item (iv) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item.
2 法第二十四条の五第二項において準用する法第十六条の二第三項第五号に規定する内閣府令で定める事項は、第十二条の二第四項に定める事項とする。
(2) The reference, in Article 16-2, paragraph (3), item (v) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in Article 12-2, paragraph (4).
3 法第二十四条の五第二項において準用する法第十六条の二第三項第六号に規定する内閣府令で定める事項は、第十二条の二第五項各号に掲げる事項(同項第十四号に掲げる事項を除く。)とする。
(3) The reference, in Article 16-2, paragraph (3), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 12-2, paragraph (5) (excluding the matters set forth in item (xiv) of that paragraph).
4 第十一条第四項、第十二条の二第六項及び第八項並びに第十三条第八項及び第十一項の規定は、受託弁済に係る求償権等を譲り受けた者が法第二十四条の五第二項において準用する法第十六条の二第三項の規定により交付すべき書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), Article 12-2, paragraphs (6) and (8), and Article 13, paragraphs (8) and (11) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment prepares the documents to be delivered pursuant to Article 16-2, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act.
(譲り受けた受託弁済に係る求償権等に係る生命保険契約等に係る同意前の書面の交付)
(Delivery of Documents Prior to Obtaining Consent on Life Insurance Contractelated to the Assigned Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の十八の四 法第二十四条の五第二項において準用する法第十六条の三第一項第二号に規定する内閣府令で定める事項は、第十二条の三第一項各号に掲げる事項とする。
Article 26-18-4 (1) The reference, in Article 16-3, paragraph (1), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 12-3, paragraph (1):
2 第十二条の三第二項の規定は、受託弁済に係る求償権等を譲り受けた者が法第二十四条の五第二項において準用する法第十六条の三第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 12-3, paragraph (2) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. prepares the documents to be delivered pursuant to Article 16-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act.
(譲り受けた受託弁済に係る求償権等についての書面の交付)
(Delivery of Documents With Regard to the Assigned Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の十九 法第二十四条の五第二項において準用する法第十七条第一項第八号に規定する内閣府令で定める事項は、第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、タ及びソに掲げる事項を除く。)とする。
Article 26-19 (1) The reference, in Article 17, paragraph (1), item (viii) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e), (p), and (r) of that paragraph).
2 法第二十四条の五第二項において準用する法第十七条第一項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の五第二項において準用する法第十七条第二項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(2) The reference, in the second sentence of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, these matters are excluded).
3 法第二十四条の五第二項において準用する法第十七条第二項第七号に規定する内閣府令で定める事項は、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号ホ、ヨ、タ及びソ(金銭の貸借の媒介にあつては、タ及びソに限る。)に掲げる事項を除く。)とする。
(3) The reference, in Article 17, paragraph (2), item (vii) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (e), (o), (p), and (r) of that paragraph (in cases of money brokerage, limited to sub-items (p) and (r))).
4 法第二十四条の五第二項において準用する法第十七条第二項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(4) The reference, in the second sentence of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item.
5 法第二十四条の五第二項において準用する法第十七条第三項に規定する内閣府令で定める事項は、第十三条第六項各号に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)とする。
(5) The reference, in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (6) (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
6 法第二十四条の五第二項において準用する法第十七条第三項後段に規定する内閣府令で定める事項は、第十三条第七項各号に定める事項とする。
(6) The reference, in the second sentence of Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters specified in the items of Article 13, paragraph (7).
7 法第二十四条の五第二項において準用する法第十七条第四項後段に規定する内閣府令で定める事項は、第十三条第二項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項(当該事項の変更の内容が法第二十四条の五第二項において準用する法第十七条第五項後段の規定により交付する書面に記載されている場合には、当該事項を除く。)とする。
(7) The reference, in the second sentence of Article 17, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (2) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover (in cases where the contents of the changes to the relevant matters are stated in the documents to be delivered pursuant to the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, these matters are excluded).
8 法第二十四条の五第二項において準用する法第十七条第五項後段に規定する内閣府令で定める事項は、第十三条第四項各号(第二号及び第三号を除く。)に掲げる保証の対象となる貸付けに係る契約の区分に応じ、当該各号に定める事項とする。
(8) The reference, in the second sentence of Article 17, paragraph (5) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters that each item of Article 13, paragraph (4) (excluding items (ii) and (iii)) prescribes for the category of loan contract, as set forth in the item, which the guarantee is to cover.
9 第十一条第四項並びに第十三条第八項、第十一項及び第十五項の規定は、受託弁済に係る求償権等を譲り受けた者が法第二十四条の五第二項において準用する法第十七条の規定により交付すべき書面を作成する場合について準用する。
(9) The provisions of Article 11, paragraph (4), and Article 13, paragraphs (8), (11) and (15) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment prepares the documents to be delivered pursuant to Article 17 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act.
(受託弁済に係る求償権等譲渡後の受取証書の交付)
(Delivery of Receipt After the Assignment of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十 法第二十四条の五第二項において準用する法第十八条第一項第六号に規定する内閣府令で定める事項は、第十五条第一項各号に掲げる事項とする。
Article 26-20 (1) The reference, in Article 18, paragraph (1), item (vi) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means the matters set forth in the items of Article 15, paragraph (1).
2 第十五条第三項の規定は、受託弁済に係る求償権等を譲り受けた者が法第二十四条の五第二項において準用する法第十八条第一項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 15, paragraph (3) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment prepares the documents to be delivered pursuant to Article 18, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act.
3 法第二十四条の五第二項において準用する法第十八条第三項に規定する内閣府令で定める書面は、第十五条第四項に定める書面とする。
(3) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to documents specified by Cabinet Office Order means documents specified in Article 15, paragraph (4).
4 第十一条第四項及び第十五条第五項の規定は、受託弁済に係る求償権等を譲り受けた者が前項の書面を作成する場合について準用する。
(4) The provisions of Article 11, paragraph (4), and Article 15, paragraph (5) apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment prepares the documents prescribed in the preceding paragraph.
5 法第二十四条の五第二項において読み替えて準用する法第十八条第三項に規定する内閣府令で定める手続は、受託弁済に係る求償権等を譲り受けた者が、当該求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(5) The reference, in Article 18, paragraph (3) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-5, paragraph (2) of the Act, to procedure specified by Cabinet Office Order means that the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment notifies the counterparty to the Contract for a Loan connected with the Right to Reimbursement, etc. Pertaining to Performance under Entrustment and any other person paying all or part of a claim under the contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の五第二項において準用する法第十八条第三項に規定する内閣府令で定める書面を交付する旨
(i) that the assignee will issue the document specified by Cabinet Office Order which is referred to in Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act;
二 法第二十四条の五第二項において準用する法第十八条第三項の規定により同条第一項の規定による書面の交付に代えて同条第三項各号に掲げる事項を記載した書面を交付する旨
(ii) that, pursuant to Article 18, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, the assignee will issue a document giving the information set forth in the items of Article 18, paragraph (3) of the Act in lieu of issuing a document under Article 18, paragraph (1) of the Act; and
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
6 法第二十四条の五第二項において読み替えて準用する法第十八条第四項に規定する内閣府令で定める手続は、受託弁済に係る求償権等を譲り受けた者が、当該求償権等に係る貸付けの契約の相手方その他の当該契約に基づく債権の全部又は一部について弁済をする者に対し、次に掲げる事項を通知し、当該弁済をする者が第三号に規定する一定の期間内に第一号及び第二号に掲げる事項について異議を述べないこととする。
(6) The reference, in Article 18, paragraph (4) of the Act as applied mutatis mutandis following the deemed replacement of terms pursuant to Article 24-5, paragraph (2) of the Act, to a procedure specified by Cabinet Office Order means that the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment notifies the counterparty to the Contract for a Loan connected with the Right to Reimbursement, etc. Pertaining to Performance under Entrustment and any other person paying all or part of a claim under the contract of the following matters, and no person paying on such a claim states an objection to the matters set forth in items (i) and (ii) within the fixed period referred to in item (iii):
一 法第二十四条の五第二項において準用する法第十八条第四項の規定により同条第一項に規定する書面の交付又は同条第三項の内閣府令で定める書面の交付若しくは同項の規定により同条第一項の規定による書面の交付に代えて交付する書面の交付に代えて同項若しくは同条第三項に規定する事項又は同項の内閣府令で定める書面に記載すべき事項を電磁的方法により提供する旨
(i) that, pursuant to Article 18, paragraph (4) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, the assignee will use electronic or magnetic means to provide the information prescribed in Article 18, paragraph (1) or (3) of the Act or the information required to be stated in the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article, in lieu of issuing a document as prescribed in paragraph (1) of that Article; in lieu of issuing the document specified by Cabinet Office Order which is referred to in paragraph (3) of that Article; or in lieu of issuing, pursuant to that paragraph, the document that is to be issued in lieu of the document prescribed in paragraph (1) of that Article;
二 その用いる電磁的方法の種類及び内容として、次に掲げる事項
(ii) the following information as to the type and details of the electronic or magnetic means that will be used:
イ 第一条の二の二第一項第二号に定める方法のうち受託弁済に係る求償権等を譲り受けた者が使用するもの
(a) which of the means specified in Article 1-2-2, paragraph (1), item (ii) the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment will use; and
ロ ファイルへの記録の方式
(b) in what format the data will be recorded in the file;
三 前二号に掲げる事項について異議があるときは、一定の期間内に異議を述べるべき旨
(iii) that any objection to a matter set forth in the preceding two items must be stated within a fixed period.
7 第五項第三号及び前項第三号の期間は、一月を下つてはならない。
(7) The periods referred to in paragraph (5), item (iii) and item (iii) of the preceding paragraph must not be shorter than one month.
(受託弁済に係る求償権等譲渡後の帳簿の備付け)
(Keeping of Books After the Assignment of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十の二 第十六条の規定は、受託弁済に係る求償権等を譲り受けた者が法第二十四条の五第二項において準用する法第十九条の帳簿を作成する場合について準用する。この場合において、第十六条第一項第二号中「第二号から」とあるのは「第四号から」と、同項第三号中「締結したとき」とあるのは「締結されているとき、又は締結したとき」と読み替えるものとする。
Article 26-20-2 The provisions of Article 16 apply mutatis mutandis to the case where the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment prepares the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act. In this case, the term "items (ii) to" in Article 16, paragraph (1), item (ii) is deemed to be replaced with "items (iv) to," and the phrase "is concluded" in item (iii) of that paragraph is deemed to be replaced with "has been concluded or is concluded."
第二十六条の二十の三 受託弁済に係る求償権等を譲り受けた者は、法第二十四条の五第二項において準用する法第十九条の帳簿を、譲り受けた受託弁済に係る求償権等ごとに、当該求償権等の最終の返済期日(当該求償権等が弁済その他の事由により消滅したときにあつては、当該求償権等の消滅した日)から少なくとも十年間保存しなければならない。ただし、当該求償権等が極度方式貸付けに係る契約に係るものである場合には、当該求償権等に係る極度方式基本契約に基づく極度方式貸付けに係る契約に係る受託弁済に係る求償権等のうち譲り受けたものの最終の返済期日(これらの求償権等のすべてが弁済その他の事由により消滅したときにあつては、その消滅した日)のうち最後のものから少なくとも十年間保存しなければならない。
Article 26-20-3 (1) An assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment must preserve the books prescribed in Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act for each assigned Right to Reimbursement, etc. Pertaining to Performance under Entrustment, for at least ten years from the final repayment due date of the relevant Right to Reimbursement, etc. (in cases where the relevant Right to Reimbursement, etc. has extinguished upon performance or on any other grounds, the day on which the Right toReimbursement, etc. extinguished); provided, however, that, in cases where the relevant Right toReimbursement, etc. is one under a contract for a Revolving Credit Loan, the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. must preserve the relevant books for ten years from, among the final repayment due dates of the assigned Rights to Obtain Reimbursement, etc. Pertaining to Performance under Entrustment under the contract for a Revolving Credit Loan based on the Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. (in cases where all of these Rights to Obtain Reimbursement, etc. have extinguished upon performance or on any other grounds, the day on which the Rights to Obtain Reimbursement, etc. extinguished), the latest date.
2 受託弁済に係る求償権等を譲り受けた者は、その営業所等が現金自動設備であるときは、帳簿の備付けを行うことを要しない。
(2) In cases where the Business Office, etc. of the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment is an Automatic Cash Machine, the assignee is not required to keep books.
(受託弁済に係る求償権等譲渡後の帳簿の閲覧方法)
(Method of Inspection of Books After the Assignment of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十の四 受託弁済に係る求償権等を譲り受けた者は、法第二十四条の五第二項において準用する法第十九条の規定に基づき、同条の帳簿をその営業所等ごと(営業所等を有しない者にあつては、住所地又は居所地)に備え置き、同項において準用する法第十九条の二に規定するときを除くほか、その営業時間内に、請求者の請求に応じて閲覧又は謄写をさせなければならない。
Article 26-20-4 An assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment must keep the books referred to in Article 19 of the Act at each Business Office, etc. thereof (or at the domicile or residence of a person with no Business Office, etc.) based on the provisions of Article 19 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, and except in cases provided in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, must allow a person requesting to inspect or copy them to do so during its business hours.
(受託弁済に係る求償権等譲渡後の帳簿の閲覧等請求権者)
(Person Entitled to Request the Inspection of Books After the Assignment of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十の五 法第二十四条の五第二項において準用する法第十九条の二に規定する内閣府令で定める者は、次に掲げる者とする。
Article 26-20-5 The reference, in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to persons specified by Cabinet Office Order means:
一 法第二十四条の五第二項において準用する法第十九条の二の債務者等(以下この条において単に「債務者等」という。)又は債務者等であつた者の法定代理人、後見監督人、保佐人、保佐監督人、補助人又は補助監督人
(i) a statutory agent, supervisor of guardian, curator, supervisor of curator, assistant, or supervisor of assistant of the Obligor, etc. prescribed in Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act (hereinafter simply referred to as the "Obligor, etc." in this Article) or a person that was formerly an Obligor, etc.;
二 債務者等又は債務者等であつた者の相続人
(ii) the heir of the Obligor, etc. or the person that was formerly an Obligor, etc.;
三 債務者等若しくは債務者等であつた者のために又は債務者等若しくは債務者等であつた者に代わつて弁済をした者
(iii) a person that made the performance on behalf or in lieu of the Obligor, etc. or the person that was formerly an Obligor, etc.; and
四 債務者等若しくは債務者等であつた者又は前各号に掲げる者から法第二十四条の五第二項において準用する法第十九条の二の請求について代理権を付与された者
(iv) a person that has been empowered the right of representation for the request under Article 19-2 of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act from an Obligor, etc., a person that was formerly an Obligor, etc. or the persons set forth in the preceding items.
(受託弁済に係る求償権等譲渡後の特定公正証書の作成に係る説明事項)
(Matters to be Explained in Regard to the Preparation of Specifies Notarized Deeds After the Assignment of Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十一 法第二十四条の五第二項において準用する法第二十条第三項第二号に規定する内閣府令で定めるものは、特定公正証書に記載された内容の債務の不履行の場合には、受託弁済に係る求償権等を譲り受けた者は、訴訟の提起を行わずに、特定公正証書により債務者等の財産に対する強制執行をすることができる旨とする。
Article 26-21 (1) The reference, in Article 20, paragraph (3), item (ii) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means, in cases of failure to perform the obligations stated in the Specified Notarized Deeds, a statement to the effect that the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment may carry out a compulsory execution against the assets of the Obligor, etc. pursuant to the Specified Notarized Deeds without the filing of a lawsuit.
2 第十八条第二項の規定は、受託弁済に係る求償権等を譲り受けた者が法第二十四条の五第二項において準用する法第二十条第三項の規定により交付すべき書面を作成する場合について準用する。
(2) The provisions of Article 18, paragraph (2) of the Act apply mutatis mutandis to the cases where the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee prepares the documents to be delivered pursuant to Article 20, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act.
(受託弁済に係る求償権等譲渡後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Assignment of the Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十二 法第二十四条の五第二項において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-22 The reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る法第二十四条の五第二項において準用する法第十七条第一項各号に掲げる事項(当該受託弁済に係る求償権等を譲り受けた者の商号、名称又は氏名及び第十三条第一項第一号ソに掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act related to the claim to be collected (excluding the trade name or name of the relevant assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment and the matters set forth in Article 13, paragraph (1), item (i), sub-item (r));
三 取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、当該契約の基本となる極度方式基本契約に係る法第二十四条の五第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ソに掲げる事項を除く。)
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-item (r)); and
四 保証人に対し取立てをするときは、法第二十四条の五第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第十四号に掲げる事項を除く。)
(iv) in cases of collecting claims from the guarantor, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), item (xiv)).
(受託弁済に係る求償権等の再譲渡を受ける者に対する通知)
(Notice to the Assignee of the Reassigned Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十三 法第二十四条の五第二項において準用する同条第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23 (1) The reference, in Article 24-5, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, to matters specified by Cabinet Office Order means:
一 当該受託弁済に係る求償権等が貸金業者の貸付けの契約に基づく債務の弁済により発生したこと。
(i) that the relevant Right to Reimbursement, etc. Pertaining to Performance under Entrustment has accrued from the performance of the obligation under the Contract for a Loan made by the Money Lender;
二 法第二十四条の五第二項において準用する法第十七条第一項各号に掲げる事項(第十三条第一項第一号ホ、ト、タ及びソ(売渡担保にあつては、タ及びソに限る。)に掲げる事項を除く。)
(ii) the matters set forth in the items of Article 17, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (e), (g), (p), and (r) (in cases of a collateral by sale, limited to sub-items (p) and (r)));
三 極度方式貸付けに係る契約に係る受託弁済に係る求償権等であるときは、法第二十四条の五第二項において準用する法第十七条第二項各号に掲げる事項(第十三条第三項第一号ホ、ト、ヨ、タ及びソ(売渡担保にあつてはヨ、タ及びソに限り、金銭の貸借の媒介にあつてはタ及びソに限る。)並びに第二号ハに掲げる事項を除く。)
(iii) in cases of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment related to a contract for a Revolving Credit Loan, the matters set forth in the items of Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-items (e), (g), (o), (p), and (r) (limited to, in cases of a collateral by sale, sub-items (o), (p), and (r), and in cases of money brokerage, sub-items (p) and (r)), and item (ii), sub-item (c));
四 当該債権について保証契約を締結したときは、法第二十四条の五第二項において準用する法第十七条第三項に掲げる事項(第十二条の二第五項第七号及び第十四号に掲げる事項を除く。)
(iv) in cases where a guarantee contract is concluded for the relevant claim, the matters set forth in Article 17, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-5, paragraph (2) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (vii) and (xiv)); and
五 再譲渡年月日及び当該債権の額
(v) the date of reassignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の再譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the reassignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 法第二十四条の五第二項において準用する同条第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used to give the notice under Article 24-5, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article.
4 法第二十四条の五第二項において準用する同条第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、受託弁済に係る求償権等の再譲渡を受ける者の承諾を得て、同条第二項において準用する同条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、受託弁済に係る求償権等を譲り受けた者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Performance under Entrustment, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24-5, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Performance under Entrustment with the information of which it is to notify it pursuant to paragraph (1) of that Article. In such a case, the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment is deemed to have used a paper document to give the notice.
5 受託弁済に係る求償権等を譲り受けた者は、前項の規定により法第二十四条の五第二項において準用する同条第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、受託弁済に係る求償権等の再譲渡を受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of a reassigned Right to Reimbursement, etc. Pertaining to Performance under Entrustment with the information of which that assignee must be notified pursuant to Article 24-5, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article, the assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment must indicate to the assignee on reassignment the type and details of the electronic or magnetic means it will use and have that assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た受託弁済に係る求償権等を譲り受けた者は、受託弁済に係る求償権等の再譲渡を受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該受託弁済に係る求償権等の再譲渡を受ける者に対し、法第二十四条の五第二項において準用する同条第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該受託弁済に係る求償権等の再譲渡を受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If the original assignee of a Right to Reimbursement, etc. Pertaining to Performance under Entrustment that has obtained the assent under the preceding paragraph from the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Performance under Entrustment is informed thereby, in a paper document or by electronic or magnetic means, that the assignee on reassignment is unwilling to be provided with information by electronic or magnetic means, the original assignee must not use electronic or magnetic means to provide the assignee on reassignment with the information of which notice must be given pursuant to Article 24-5, paragraph (1) of the Act as applied mutatis mutandis pursuant to paragraph (2) of that Article; provided, however, that this does not apply if the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Performance under Entrustment reaffirms the assent under the preceding paragraph.
(債権を譲り受ける者に対する通知)
(Notice to the Assignee of the Claim)
第二十六条の二十三の二 貸金業を営む者(貸金業者を除く。以下この条から第二十六条の二十三の十九までにおいて同じ。)が貸付けに係る契約に基づく債権を他人に譲渡する場合について、法第二十四条の六において準用する法第二十四条第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-2 (1) With regard to the cases where the person in the Money Lending Business (excluding Money Lenders; hereinafter the same applies in this Article through Article 26-23-19) assigns the claim under a loan contract to others, the reference, in Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 当該債権に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所(当該債権が極度方式貸付けに係る契約に基づく債権であるときは、記載を要しない。)
(i) the trade name, name and address of the person in the Money Lending Business that concluded the loan contract related to the relevant claim (in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, statement of the above information may be omitted);
二 当該債権に係る貸付けに係る契約の契約年月日
(ii) the date of the loan contract related to the relevant claim;
三 法第十七条第一項第三号から第八号までに掲げる事項(第十三条第一項第一号イ、ホ、ト、ワ及びタからソまで(手形の割引及び金銭の貸借の媒介にあつてはイ、レ及びソに限り、売渡担保にあつてはイ及びタからソまでに限る。)に掲げる事項を除き、当該債権が極度方式貸付けに係る契約に基づく債権であるときは、次号に掲げる事項と同一の内容のものを除く。)。この場合において、第十三条第一項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(iii) the matters set forth in Article 17, paragraph (1), items (iii) through (viii) of the Act (excluding the matters set forth in Article 13, paragraph (1), item (i), sub-items (a), (e), (g), (m), and (p) through (r) (limited to, in cases of a discount of negotiable instrument and money brokerage, sub-items (a), (q), and (r), and in cases of a collateral by sale, sub-items (a) and (p) through (r)), and in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in the following items). In this case, the term "the Money Lender" in Article 13, paragraph (1), item (i), sub-item (c) is deemed to be replaced with "the person in the Money Lending Business."
四 当該債権が極度方式貸付けに係る契約に基づく債権であるときは、当該債権に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所並びに法第十七条第二項第四号から第七号までに掲げる事項(第十三条第三項第一号イ、ホ、ト、ワ及びヨからソまで(手形の割引にあつてはイ、レ及びソに限り、売渡担保にあつてはイ及びヨからソまでに限り、金銭の貸借の媒介にあつてはイ及びタからソまでに限る。)並びに第二号ハに掲げる事項を除く。)。この場合において、第十三条第三項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(iv) in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, the trade name or name and address of the person in the Money Lending Business that concluded the Basic Contract for a Revolving Credit Loan related to the relevant claim, as well as the matters set forth in Article 17, paragraph (2), items (iv) through (vii) of the Act (excluding the matters set forth in Article 13, paragraph (3), item (i), sub-items (a), (e), (g), (m), and (o) through (r) (limited to, in cases of a discount of negotiable instrument, sub-items (a), (q), and (r), in cases of a collateral by sale, sub-items (a) and (o) through (r), and in cases of money brokerage, sub-items (a) and (p) through (r)), and item (ii), sub-item (c)). In this case the term "the Money Lender" in Article 13, paragraph (3), item (i), sub-item (c) is deemed to be replaced with "the person in the Money Lending Business."
五 当該債権について保証契約を締結したときは、次に掲げる事項
(v) in cases where a guarantee contract is concluded for the relevant claim, the following matters:
イ 貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the person in the Money Lending Business;
ロ 法第十六条の二第三項第二号から第六号までに掲げる事項(第十二条の二第五項第三号、第七号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、第十二条の二第五項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(b) the matters set forth in Article 16-2, paragraph (3), items (ii) through (vi) of the Act (excluding the matters set forth in Article 12-2, paragraph (5), items (iii), (vii), (xiii), and (xiv)). In this case, the term "the Money Lender" in Article 12-2, paragraph (5), item (v) is deemed to be replaced with "the person in the Money Lending Business"; and
ハ 保証契約の契約年月日
(c) the date of the guarantee contract;
六 譲渡年月日及び当該債権の額
(vi) the date of assignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the assignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 法第二十四条の六において準用する法第二十四条第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used to give the notice under Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act.
4 法第二十四条の六において準用する法第二十四条第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、債権を譲り受ける者の承諾を得て、法第二十四条の六において準用する法第二十四条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、貸金業を営む者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the claim, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, the person in the Money Lending Business may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the claim with the information of which it is to notify it pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act. In such a case, the person in the Money Lending Business is deemed to have used a paper document to give the notice.
5 貸金業を営む者は、前項の規定により法第二十四条の六において準用する法第二十四条第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、債権を譲り受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of a claim with the information of which that assignee must be notified pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, a person in the Money Lending Business must indicate to the assignee the type and details of the electronic or magnetic means it will use and have the assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た貸金業を営む者は、債権を譲り受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該債権を譲り受ける者に対し、法第二十四条の六において準用する法第二十四条第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該債権を譲り受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If a person in the Money Lending Business that has obtained the assent under the preceding paragraph from the assignee of the claim is informed thereby, in a paper document or by electronic or magnetic means, that the assignee is unwilling to be provided with information by electronic or magnetic means, the person in the Money Lending Business must not use electronic or magnetic means to provide the assignee with the information of which notice must be given pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act; provided, however, that this does not apply if the assignee of the claim reaffirms the assent under the preceding paragraph.
第二十六条の二十三の三 削除
Article 26-23-3 Deleted
(債権譲渡後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Assignment of the Claim)
第二十六条の二十三の四 貸金業を営む者の貸付けに係る契約に基づく債権の譲渡があつた場合について、法第二十四条の六において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-4 With regard to the cases where the claim under the loan contract made by a person in the Money Lending Business has been assigned, the reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る次に掲げる事項(取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、次号に掲げる事項と同一の内容のものを除く。)
(ii) the following matters related to the claim to be collected (in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, excluding the matters same as those set forth in the following item):
イ 当該債権に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the person in the Money Lending Business that concluded a loan contract related to the relevant claim;
ロ 債権の譲受年月日及び当該債権に係る貸付けに係る契約の契約年月日
(b) the date of the acceptance of the assignment of the claim and the date of the loan contract related to the relevant claim;
ハ 貸付けの金額及び譲り受けた債権の額
(c) the amount of Loan and the amount of the assigned claim;
ニ 法第十七条第一項第四号から第七号までに掲げる事項
(d) the matters set forth in Article 17, paragraph (1), items (iv) through (vii) of the Act;
ホ 第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びタからソまで(金銭の貸借の媒介にあつては、イ、レ及びソに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(e) the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matter set forth in item (i), sub-items (a), (e), (m), and (p) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q), and (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
三 取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、当該契約の基本となる極度方式基本契約に係る次に掲げる事項
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the following matters related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract:
イ 当該債権に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the person in the Money Lending Business that concluded the Basic Contract for a Revolving Credit Loan related to the relevant claim;
ロ 法第十七条第二項第四号から第六号までに掲げる事項
(b) the matters set forth in Article 17, paragraph (2), items (iv) through (vi) of the Act;
ハ 第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びヨからソまで(金銭の貸借の媒介にあつては、イ及びタからソまでに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(c) the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), and (p) through (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
四 保証人に対し取立てをするときは、次に掲げる事項
(iv) in cases of collecting claims from the guarantor, the following matters:
イ 債権を譲り受けた者及び当該債権に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the assignee of the claim and the person in the Money Lending Business that concluded a loan contract related to the relevant claim;
ロ 法第十六条の二第三項第二号、第三号及び第五号に掲げる事項
(b) the matters set forth in Article 16-2, paragraph (3), items (ii), (iii) and (v) of the Act;
ハ 第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項
(c) the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item;
ニ 第十二条の二第五項各号に掲げる事項(同項第三号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、同項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(d) the matters set forth in the items of Article 12-2, paragraph (5) (excluding the matters set forth in items (iii), (xiii), and (xiv) of that paragraph). In this case, the term "the Money Lender" in item (v) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
ホ 保証契約の契約年月日
(e) the date of the guarantee contract.
(債権の再譲渡を受ける者に対する通知)
(Notice to the Assignee of the Reassigned Claim)
第二十六条の二十三の五 貸金業を営む者の貸付けに係る契約に基づく債権を譲り受けた者について、法第二十四条の六において準用する法第二十四条第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-5 (1) With regard to the assignee of the claim under the loan contract made by a person in the Money Lending Business, the reference, in Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 債権を譲り受けた者及び当該債権に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所(極度方式貸付けに係る契約に基づく債権であるときは、当該債権に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所の記載を要しない。)
(i) the trade name, name and address of the assignee of the claim and the person in the Money Lending Business that concluded a loan contract related to the relevant claim (in cases of a claim under the contract for a Revolving Credit Loan, statement of the trade name, name and address of the person in the Money Lending Business that concluded a loan contract related to the relevant claim may be omitted);
二 債権の譲受年月日及び当該債権に係る貸付けに係る契約の契約年月日
(ii) the date of acceptance of the assignment of the claim and the date of the loan contract related to the relevant claim;
三 貸付けの金額及び譲り受けた債権の額
(iii) the amount of Loan and the amount of assigned claim;
四 法第十七条第一項第四号から第七号までに掲げる事項(極度方式貸付けに係る契約に基づく債権であるときは、第六号に掲げる事項と同一の内容のものを除く。)
(iv) the matters set forth in Article 17, paragraph (1), items (iv) through (vii) of the Act (in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in the item (vi));
五 第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ト、ワ及びタからソまで(金銭の貸借の媒介にあつては、イ、レ及びソに限る。)に掲げる事項を除き、極度方式貸付けに係る契約に基づく債権であるときは、第七号に掲げる事項と同一の内容のものを除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(v) the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (g), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q), and (r)), and in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in the item (vii)). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business."
六 極度方式貸付けに係る契約に基づく債権であるときは、当該債権に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所並びに法第十七条第二項第四号から第六号までに掲げる事項
(vi) in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, the trade name or name and address of the person in the Money Lending Business and with whom the Basic Contract for a Revolving Credit Loan related to the relevant claim has been concluded, as well as the matters set forth in Article 17, paragraph (2), items (iv) through (vi) of the Act;
七 極度方式貸付けに係る契約に基づく債権であるときは、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ト、ワ及びヨからソまで(金銭の貸借の媒介にあつては、イ及びタからソまでに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(vii) in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (g), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q), and (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business."
八 当該債権について保証契約を締結したときは、次に掲げる事項
(viii) in cases where a guarantee contract is concluded for the relevant claim, the following matters:
イ 債権を譲り受けた者及び当該債権に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the assignee of the claim and the person in the Money Lending Business that concluded a loan contract related to the relevant claim;
ロ 法第十六条の二第三項第二号、第三号及び第五号に掲げる事項
(b) the matters set forth in Article 16-2, paragraph (3), items (ii), (iii) and (v) of the Act;
ハ 第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項
(c) the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item;
ニ 第十二条の二第五項各号に掲げる事項(同項第三号、第七号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、同項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(d) the matters set forth in the items of Article 12-2, paragraph (5) (excluding the matters set forth in items (iii), (vii), (xiii), and (xiv) of that paragraph). In this case, the term "the Money Lender" in item (v) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
ホ 保証契約の契約年月日
(e) the date of the guarantee contract; and
九 再譲渡年月日及び当該債権の額
(ix) the date of reassignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の再譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the reassignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 貸金業を営む者の貸付けに係る契約に基づく債権を譲り受けた者が行う法第二十四条の六において準用する法第二十四条第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used for the notice under Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act which is to be given by the assignee of a claim under a loan contract with a person in the Money Lending Business.
4 貸金業を営む者の貸付けに係る契約に基づく債権を譲り受けた者が行う法第二十四条の六において準用する法第二十四条第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、債権の再譲渡を受ける者の承諾を得て、法第二十四条の六において準用する法第二十四条第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、貸金業を営む者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the reassigned claim, in lieu of using a paper document as under the preceding paragraph to give the notice under Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act which must be given by the assignee of a claim under a loan contract with a person in the Money Lending Business, the assignee of the claim may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the reassigned claim with the information of which it is to notify it pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act. In such a case, the person in the Money Lending Business is deemed to have used a paper document to give the notice.
5 貸金業を営む者の貸付けに係る契約に基づく債権を譲り受けた者は、前項の規定により法第二十四条の六において準用する法第二十四条第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、債権の再譲渡を受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of a reassigned claim with the information of which that assignee must be notified pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, the assignee of the claim under a loan contract with a person in the Money Lending Business must indicate to the assignee on reassignment the type and details of the electronic or magnetic means it will use and have that assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た貸金業を営む者の貸付けに係る契約に基づく債権を譲り受けた者は、債権の再譲渡を受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該債権の再譲渡を受ける者に対し、法第二十四条の六において準用する法第二十四条第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該債権の再譲渡を受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If the original assignee of a claim under a loan contract with a person in the Money Lending Business that has obtained the assent under the preceding paragraph from the assignee of the reassigned claim is informed thereby, in a paper document or by electronic or magnetic means, that the assignee on reassignment is unwilling to be provided with information by electronic or magnetic means, the original assignee must not use electronic or magnetic means to provide the assignee on reassignment with the information of which notice must be given pursuant to Article 24, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act; provided, however, that this does not apply if the assignee of the reassigned claim reaffirms the assent under the preceding paragraph.
(保証業者に対する通知)
(Notice to Guarantee Business Operators)
第二十六条の二十三の六 法第二十四条の六において準用する法第二十四条の二第一項の規定による通知は、書面により行わなければならない。
Article 26-23-6 (1) A paper document must be used to give the notice under Article 24-2, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act.
2 法第二十四条の六において準用する法第二十四条の二第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、保証業者の承諾を得て、法第二十四条の六において準用する法第二十四条の二第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、貸金業を営む者は、当該書面による通知をしたものとみなす。
(2) With the assent of the Guarantee Business Operator, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24-2, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, a person in the Money Lending Business may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the Guarantee Business Operator with the information of which it is to notify it pursuant to Article 24-2, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act. In such a case, the person in the Money Lending Business is deemed to have used a paper document to give the notice.
3 貸金業を営む者は、前項の規定により法第二十四条の六において準用する法第二十四条の二第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、保証業者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(3) Before seeking to apply the preceding paragraph so as to provide a Guarantee Business Operator with the information of which it must be notified pursuant to Article 24-2, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, a person in the Money Lending Business must indicate to the operator the type and details of the electronic or magnetic means it will use and have the operator assent to this in a paper document or by electronic or magnetic means.
4 前項の規定による承諾を得た貸金業を営む者は、保証業者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該保証業者に対し、法第二十四条の六において準用する法第二十四条の二第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該保証業者が再び前項の規定による承諾をした場合は、この限りでない。
(4) If a Money Lender that has obtained the assent under the preceding paragraph from a Guarantee Business Operator is informed thereby, in a paper document or by electronic or magnetic means, that the operator is unwilling to be provided with information by electronic or magnetic means, the Money Lender must not use electronic or magnetic means to provide the operator with the information of which notice must be given pursuant to Article 24-2, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act; provided, however, that this does not apply if the Guarantee Business Operator reaffirms the assent under the preceding paragraph.
第二十六条の二十三の七 削除
Article 26-23-7 Deleted
(保証等に係る求償権等取得後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Acquisition of the Right to Reimbursement Pertaining to Guarantee)
第二十六条の二十三の八 保証業者が保証等に係る求償権等を取得した場合について、法第二十四条の六において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-8 With regard to the cases where a Guarantee Business Operator has acquired the Right to Reimbursement, etc. Pertaining to Guarantee, etc., the reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る次に掲げる事項(取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、次号に掲げる事項と同一の内容のものを除く。)
(ii) the following matters related to the claim to be collected (in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, excluding the matters same as those set forth in the following item):
イ 当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the assignee of the claim and the person in the Money Lending Business that concluded a loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 保証等に係る求償権等の取得年月日及び当該保証等に係る求償権等に係る貸付けに係る契約の契約年月日
(b) the date of acquisition of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the date of the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ハ 保証等に係る求償権等の額及び当該保証等に係る求償権等に係る貸付けに係る契約の貸付けの金額
(c) the amount of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the amount of Loan under the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ニ 法第十七条第一項第四号から第七号までに掲げる事項
(d) the matters set forth in Article 17, paragraph (1), items (iv) through (vii) of the Act;
ホ 第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びタからソまで(金銭の貸借の媒介にあつては、イ、レ及びソに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(e) the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q), and (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business."
三 取り立てる債権が極度方式貸付けに係る契約に係るものであるときは、当該契約の基本となる極度方式基本契約に係る次に掲げる事項
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the following matters related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract:
イ 保証等に係る求償権等に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the person in the Money Lending Business that concluded a Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 法第十七条第二項第四号から第六号までに掲げる事項
(b) the matters set forth in Article 17, paragraph (2), items (iv) through (vi) of the Act;
ハ 第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びヨからソまで(金銭の貸借の媒介にあつては、イ及びタからソまでに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(c) the matters that each item Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (m) and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), and (p) through (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
四 保証人に対し取立てをするときは、次に掲げる事項
(iv) in cases of collecting claims from the guarantor, the following matters:
イ 保証業者及び当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the Guarantee Business Operator and the person in the Money Lending Business that concluded a Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 法第十六条の二第三項第二号、第三号及び第五号に掲げる事項
(b) the matters set forth in Article 16-2, paragraph (3), items (ii), (iii) and (v) of the Act;
ハ 第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項
(c) the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item;
ニ 第十二条の二第五項各号に掲げる事項(同項第三号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、同項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(d) the matters set forth in the items of Article 12-2, paragraph (5) (excluding the matters set forth in items (iii), (xiii), and (xiv) of that paragraph). In this case, the term "the Money Lender" in item (v) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
ホ 保証契約の契約年月日
(e) the date of the guarantee contract.
(受託弁済者に対する通知)
(Notice to Persons Entrusted With Performance)
第二十六条の二十三の九 法第二十四条の六において準用する法第二十四条の三第一項の規定による通知は、書面により行わなければならない。
Article 26-23-9 (1) A paper document must be used to give the notice under Article 24-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act.
2 法第二十四条の六において準用する法第二十四条の三第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、受託弁済者の承諾を得て、法第二十四条の六において準用する法第二十四条の三第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、貸金業を営む者は、当該書面による通知をしたものとみなす。
(2) With the assent of the Person Entrusted With Performance, in lieu of using a paper document as under the preceding paragraph to give a notice under Article 24-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, a person in the Money Lending Business may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the Person Entrusted With Performance with the information of which it is to notify it pursuant to Article 24-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act. In such a case, the person in the Money Lending Business is deemed to have used a paper document to give the notice.
3 貸金業を営む者は、前項の規定により法第二十四条の六において準用する法第二十四条の三第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、受託弁済者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(3) Before seeking to apply the preceding paragraph so as to provide a Person Entrusted With Performance with the information of which it must be notified pursuant to Article 24-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, a person in the Money Lending Business must indicate to the Person Entrusted With Performance the type and details of the electronic or magnetic means it will use and have that person assent to this in a paper document or by electronic or magnetic means.
4 前項の規定による承諾を得た貸金業を営む者は、受託弁済者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該受託弁済者に対し、法第二十四条の六において準用する法第二十四条の三第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該受託弁済者が再び前項の規定による承諾をした場合は、この限りでない。
(4) If a Money Lender that has obtained the assent under the preceding paragraph from a Person Entrusted With Performance is informed thereby, in a paper document or by electronic or magnetic means, that the person is unwilling to be provided with information by electronic or magnetic means, the Money Lender must not use electronic or magnetic means to provide the person with the information of which notice must be given pursuant to Article 24-3, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act; provided, however, that this does not apply if the Person Entrusted With Performance reaffirms the assent under the preceding paragraph.
第二十六条の二十三の十 削除
Article 26-23-10 Deleted
(受託弁済に係る求償権等取得後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Acquisition of the Right to Reimbursement Pertaining to Performance under Entrustment)
第二十六条の二十三の十一 貸金業を営む者の委託を受けて当該貸金業を営む者の貸付けの契約に基づく債務の弁済をした者が受託弁済に係る求償権等を取得した場合について、法第二十四条の六において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-11 With regard to the cases where the person that makes performance of the obligation under the Contract for a Loan made by a person in the Money Lending Business with the entrustment of the relevant person in the Money Lending Business has acquired the Right to Reimbursement, etc. Pertaining to Performance under Entrustment, the reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る次に掲げる事項(取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、次号に掲げる事項と同一の内容のものを除く。)
(ii) the following matters related to the claim to be collected (in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, excluding the matters same as those set forth in the following item):
イ 当該受託弁済者に弁済を委託した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the person in the Money Lending Business that entrusted the performance to the relevant Person Entrusted With Performance;
ロ 受託弁済に係る求償権等の取得年月日及び当該受託弁済に係る求償権等に係る貸付けに係る契約の契約年月日
(b) the date of acquisition of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment, and the date of the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Performance under Entrustment;
ハ 受託弁済に係る求償権等の額及び当該受託弁済に係る求償権等に係る貸付けに係る契約の貸付けの金額
(c) the amount of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment, and the amount of Loan under the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Performance under Entrustment;
ニ 法第十七条第一項第四号から第七号までに掲げる事項
(d) the matters set forth in Article 17, paragraph (1), items (iv) through (vii) of the Act;
ホ 第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びタからソまで(金銭の貸借の媒介にあつては、イ、レ及びソに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(e) the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (m), and (p) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q) and (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
三 取り立てる債権が極度方式貸付けに係る契約に係るものであるときは、当該契約の基本となる極度方式基本契約に係る次に掲げる事項
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the following matters related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract:
イ 受託弁済に係る求償権等に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the Guarantee Business Operator and the person in the Money Lending Business that concluded a Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. Pertaining to Performance under Entrustment;
ロ 法第十七条第二項第四号から第六号までに掲げる事項
(b) the matters set forth in Article 17, paragraph (2), items (iv) through (vi) of the Act; and
ハ 第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びヨからソまで(金銭の貸借の媒介にあつては、イ及びタからソまでに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(c) the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), and (p) through (r) )). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
四 保証人に対し取立てをするときは、次に掲げる事項
(iv) in cases of collecting claims from the guarantor, the following matters:
イ 受託弁済者及び当該受託弁済者に弁済を委託した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the Person Entrusted With Performance and the Guarantee Business Operator and the person in the Money Lending Business that entrusted the performance to the relevant Person Entrusted With Performance;
ロ 法第十六条の二第三項第二号、第三号及び第五号に掲げる事項
(b) the matters set forth in Article 16-2, paragraph (3), items (ii), (iii) and (v) of the Act;
ハ 第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項
(c) the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item;
ニ 第十二条の二第五項各号に掲げる事項(同項第三号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、同項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(d) the matters set forth in the items of Article 12-2, paragraph (5) (excluding the matters set forth in items (iii), (xiii), and (xiv) of that paragraph). In this case, the term "the Money Lender" in item (v) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
ホ 保証契約の契約年月日
(e) the date of the guarantee contract.
(保証等に係る求償権等を譲り受ける者に対する通知)
(Notice to the Assignee of the Right to Reimbursement Pertaining to Guarantee)
第二十六条の二十三の十二 保証業者が保証等に係る求償権等を他人に譲渡する場合について、法第二十四条の六において準用する法第二十四条の四第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-12 (1) With regard to the cases where a Guarantee Business Operator assigns the Right to Reimbursement, etc. Pertaining to Guarantee, etc. to others, the reference, in Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 当該保証等に係る求償権等が貸金業を営む者の貸付けに係る契約に係る保証により発生したこと。
(i) that the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc. has accrued from the guarantee pertaining to the loan contract made by a person in the Money Lending Business;
二 保証業者及び当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所(極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所の記載を要しない。)
(ii) the trade name, name and address of the Guarantee Business Operator and the person in the Money Lending Business that concluded a loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc. (in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to a contract for a Revolving Credit Loan, statements of the trade name, name and address of the person in the Money Lending Business that concluded a loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc. may be omitted);
三 保証等に係る求償権等の取得年月日及び当該保証等に係る求償権等に係る貸付けに係る契約の契約年月日
(iii) the date of acquisition of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the date of the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
四 保証等に係る求償権等の額及び当該保証等に係る求償権等に係る貸付けに係る契約の貸付けの金額
(iv) the amount of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the amount of the Loan under the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
五 法第十七条第一項第四号から第七号までに掲げる事項(極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、第七号に掲げる事項と同一の内容のものを除く。)
(v) the matters set forth in Article 17, paragraph (1), items (iv) through (vii) of the Act (in cases of a Right to Reimbursement, etc. Pertaining to Guarantee related to a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in item (vii));
六 第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ト、ワ及びタからソまで(金銭の貸借の媒介にあつては、イ、レ及びソに限る。)に掲げる事項を除き、極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、第八号に掲げる事項と同一の内容のものを除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(vi) the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (g), (m), and (p) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q) and (r)), and in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in item (viii)). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
七 極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、当該保証等に係る求償権等に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所並びに法第十七条第二項第四号から第六号までに掲げる事項
(vii) in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to the contract for a Revolving Credit Loan, the trade name, name and address of the person in the Money Lending Business that concluded a Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc., and the matters set forth in Article 17, paragraph (2), items (iv) through (vi) of the Act;
八 極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ト、ワ及びヨからソまで(金銭の貸借の媒介にあつては、イ及びタからソまでに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(viii) in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc., the matters specified in the items that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (g), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), and (p) through (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
九 当該債権について保証契約を締結したときは、次に掲げる事項
(ix) in cases where a guarantee contract is concluded for the relevant claim, the following matters:
イ 保証業者及び当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the Guarantee Business Operator and the person in the Money Lending Business that concluded a loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 法第十六条の二第三項第二号、第三号及び第五号に掲げる事項
(b) the matters set forth in Article 16-2, paragraph (3), items (ii), (iii) and (v) of the Act;
ハ 第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項
(c) the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item;
ニ 第十二条の二第五項各号に掲げる事項(同項第三号、第七号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、同項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(d) the matters set forth in the items of Article 12-2, paragraph (5) (excluding the matters set forth in items (iii), (vii), (xiii), and (xiv) of that paragraph). In this case, the term "the Money Lender" in item (v) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
ホ 保証契約の契約年月日
(e) the date of the guarantee contract; and
十 譲渡年月日及び当該債権の額
(x) the date of assignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the assignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 保証業者が行う法第二十四条の六において準用する法第二十四条の四第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used for the notice under Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act which is to be given by a Guarantee Business Operator.
4 保証業者が行う法第二十四条の六において準用する法第二十四条の四第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、保証等に係る求償権等を譲り受ける者の承諾を得て、法第二十四条の六において準用する法第二十四条の四第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、保証業者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc., in lieu of using a paper document as under the preceding paragraph to give the notice under Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act which must be given by a Guarantee Business Operator, the Guarantee Business Operator may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. with the information of which it is to notify it pursuant to Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act. In such a case, the Guarantee Business Operator is deemed to have used a paper document to give the notice.
5 保証業者は、前項の規定により法第二十四条の六において準用する法第二十四条の四第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、保証等に係る求償権等を譲り受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. with the information of which it must be notified pursuant to Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, a Guarantee Business Operator must indicate to the assignee the type and details of the electronic or magnetic means it will use and have the assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た保証業者は、保証等に係る求償権等を譲り受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該保証等に係る求償権等を譲り受ける者に対し、法第二十四条の六において準用する法第二十四条の四第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該保証等に係る求償権等を譲り受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If a Guarantee Business Operator that has obtained the assent under the preceding paragraph from the assignee of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. is informed thereby, in a paper document or by electronic or magnetic means, that the assignee is unwilling to be provided with information by electronic or magnetic means, the Guarantee Business Operator must not use electronic or magnetic means to provide the assignee with the information of which notice must be given pursuant to Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act; provided, however, that this does not apply if the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. reaffirms the assent under the preceding paragraph.
第二十六条の二十三の十三 削除
Article 26-23-13 Deleted
(保証等に係る求償権等譲渡後の取立てに当たり明らかにすべき事項)
(Matters to be Disclosed upon the Collection After the Assignment of the Right to Reimbursement Pertaining to Guarantee)
第二十六条の二十三の十四 保証等に係る求償権等の譲渡があつた場合について、法第二十四条の六において準用する法第二十一条第三項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-14 With regard to case where the Right to Reimbursement, etc. Pertaining to Guarantee, etc. has been assigned, the reference, in Article 21, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 取立てを行う者の弁済受領権限の基礎となる事実
(i) facts to be the basis of the right to receive performance of the person conducting collection;
二 取り立てる債権に係る次に掲げる事項(取り立てる債権が極度方式貸付けに係る契約に基づくものであるときは、次号に掲げる事項と同一の内容のものを除く。)
(ii) the following matters related to the claim to be collected (in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, excluding the matters same as those set forth in the following item):
イ 当該保証等に係る求償権等を取得した保証業者及び当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the Guarantee Business Operator that acquired the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the person in the Money Lending Business that concluded a loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 保証等に係る求償権等の譲受年月日、当該保証等に係る求償権等の取得年月日及び当該保証等に係る求償権等に係る貸付けに係る契約の契約年月日
(b) the date of acceptance of the assignment of the Right to Reimbursement, etc. Pertaining to Guarantee, etc., the date of acquisition of the relevant Right to Reimbursement, etc. Pertaining to Guarantee, and the date of the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ハ 保証等に係る求償権等の額及び当該保証等に係る求償権等に係る貸付けに係る契約の貸付けの金額
(c) the amount of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the amount of the Loan under the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ニ 法第十七条第一項第四号から第七号までに掲げる事項
(d) the matters set forth in Article 17, paragraph (1), items (iv) through (vii) of the Act;
ホ 第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びタからソまで(金銭の貸借の媒介にあつては、イ、レ及びソに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(e) the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (m), and (p) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q), and (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
三 取り立てる債権が極度方式貸付けに係る契約に係るものであるときは、当該契約の基本となる極度方式基本契約に係る次に掲げる事項
(iii) in cases where the claim to be collected is one under a contract for a Revolving Credit Loan, the following matters related to the Basic Contract for a Revolving Credit Loan which forms the basis for the relevant contract:
イ 当該保証等に係る求償権等に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the person in the Money Lending Business that concluded a Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 法第十七条第二項第四号から第六号までに掲げる事項
(b) the matters set forth in Article 17, paragraph (2), items (iv) through (vi) of the Act;
ハ 第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ワ及びヨからソまで(金銭の貸借の媒介にあつては、イ及びタからソまでに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(c) the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (m) and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), and (p), through (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
四 保証人に対し取立てをするときは、次に掲げる事項
(iv) in cases of collecting claims from the guarantor, the following matters:
イ 保証等に係る求償権等を譲り受けた者、当該保証等に係る求償権等を取得した保証業者及び当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc., of the Guarantee Business Operator that acquired the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc., and of the person in the Money Lending Business that concluded a loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 法第十六条の二第三項第二号、第三号及び第五号に掲げる事項
(b) the matters set forth in Article 16-2, paragraph (3), items (ii), (iii), and (v) of the Act;
ハ 第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項
(c) the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item;
ニ 第十二条の二第五項各号に掲げる事項(同項第三号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、同項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(d) the matters set forth in the items of Article 12-2, paragraph (5) (excluding the matters set forth in items (iii), (xiii), and (xiv) of that paragraph). In this case, the term "the Money Lender" in item (v) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
ホ 保証契約の契約年月日
(e) the date of the guarantee contract.
(保証等に係る求償権等の再譲渡を受ける者に対する通知)
(Notice to the Assignee of the Reassigned Right to Reimbursement Pertaining to Guarantee)
第二十六条の二十三の十五 保証等に係る求償権等の譲渡があつた場合について、法第二十四条の六において準用する法第二十四条の四第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-15 (1) With regard to the cases where the Right to Reimbursement, etc. Pertaining to Guarantee, etc. has been assigned, the reference, in Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 当該保証等に係る求償権等が貸金業を営む者の貸付けに係る契約に係る保証により発生したこと。
(i) that the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc. has accrued from the guarantee pertaining to the loan contract made by a person in the Money Lending Business;
二 保証等に係る求償権等を譲り受けた者、当該保証等に係る求償権等を取得した保証業者及び当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所(極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所の記載を要しない。)
(ii) the trade name, name and address of the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc., of the Guarantee Business Operator that acquired the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc., and of the person in the Money Lending Business that concluded a loan contract related to the relevant Right toReimbursement, etc. Pertaining to Guarantee, etc. (in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to the contract for a Revolving Credit Loan, statements of the trade name, name and address of the person in the Money Lending Business that concluded a loan contract related to that Right to Reimbursement, etc. Pertaining to Guarantee, etc. may be omitted);
三 保証等に係る求償権等の譲受年月日、当該保証等に係る求償権等の取得年月日及び当該保証等に係る求償権等に係る貸付けに係る契約の契約年月日
(iii) the date of acceptance of the assignment of the Right to Reimbursement, etc. Pertaining to Guarantee, etc., the date of acquisition of the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc., and the date of the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
四 保証等に係る求償権等の額及び当該保証等に係る求償権等に係る貸付けに係る契約の貸付けの金額
(iv) the amount of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. and the amount of the Loan under the loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
五 法第十七条第一項第四号から第七号までに掲げる事項(極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、第七号に掲げる事項と同一の内容のものを除く。)
(v) the matters set forth in Article 17, paragraph (1), items (iv) through (vii) of the Act (in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc., excluding the matters of the same content as those set forth in item (vii));
六 第十三条第一項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ト、ワ及びタからソまで(金銭の貸借の媒介にあつては、イ、レ及びソに限る。)に掲げる事項を除き、極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、第八号に掲げる事項と同一の内容のものを除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(vi) the matters that each item of Article 13, paragraph (1) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (g), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), (q), and (r)), and in cases where the relevant claim is a claim under a contract for a Revolving Credit Loan, excluding the matters of the same content as those set forth in the item (viii)). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
七 極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、当該保証等に係る求償権等に係る極度方式基本契約を締結した貸金業を営む者の商号、名称又は氏名及び住所並びに法第十七条第二項第四号から第六号までに掲げる事項
(vii) in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to the contract for a Revolving Credit Loan, the trade name, name and address of the person in the Money Lending Business that concluded a Basic Contract for a Revolving Credit Loan related to the relevant Right to Reimbursement Pertaining to Guarantee, etc., or the matters set forth in Article 17, paragraph (2), items (iv) through (vi) of the Act;
八 極度方式貸付けに係る契約に係る保証等に係る求償権等であるときは、第十三条第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項(同項第一号イ、ホ、ト、ワ及びヨからソまで(金銭の貸借の媒介にあつては、イ及びタからソまでに限る。)に掲げる事項を除く。)。この場合において、同項第一号ハ中「貸金業者」とあるのは、「貸金業を営む者」とする。
(viii) in cases of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. related to a contract for a Revolving Credit Loan, the matters that each item of Article 13, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item (excluding the matters set forth in item (i), sub-items (a), (e), (g), (m), and (o) through (r) of that paragraph (in cases of money brokerage, limited to sub-items (a), and (p) through (r))). In this case, the term "the Money Lender" in item (i), sub-item (c) of that paragraph is deemed to be replaced with "the person in the Money Lending Business";
九 当該債権について保証契約を締結したときは、次に掲げる事項
(ix) in cases where a guarantee contract is concluded for the relevant claim, the following matters:
イ 保証等に係る求償権等を譲り受けた者、当該保証等に係る求償権等を取得した保証業者及び当該保証等に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所
(a) the trade name, name and address of the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc., of the Guarantee Business Operator that acquired the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc., and of the person in the Money Lending Business that concluded a loan contract related to the relevant Right to Reimbursement, etc. Pertaining to Guarantee, etc.;
ロ 法第十六条の二第三項第二号、第三号及び第五号に掲げる事項
(b) the matters set forth in Article 16-2, paragraph (3), items (ii), (iii) and (v) of the Act;
ハ 第十二条の二第三項各号(第二号及び第三号を除く。)に掲げる貸付けに係る契約の区分に応じ、当該各号に定める事項
(c) the matters that each item of Article 12-2, paragraph (3) (excluding items (ii) and (iii)) prescribes for the category of loan contract set forth in the item;
ニ 第十二条の二第五項各号に掲げる事項(同項第三号、第七号、第十三号及び第十四号に掲げる事項を除く。)。この場合において、同項第五号中「貸金業者」とあるのは、「貸金業を営む者」とする。
(d) the matters set forth in the items of Article 12-2, paragraph (5) (excluding the matters set forth in items (iii), (vii), (xiii), and (xiv) of that paragraph). In this case, the term "the Money Lender" in item (v) of that paragraph is deemed to be replaced with "the person in the Money Lending Business"; and
ホ 保証契約の契約年月日
(e) the date of the guarantee contract; and
十 再譲渡年月日及び当該債権の額
(x) the date of reassignment and the amount of the relevant claim.
2 前項の規定は、抵当証券法第一条第一項に規定する抵当証券に記載された債権の再譲渡については適用しない。
(2) The provisions of the preceding paragraph do not apply to the reassignment of the claim stated on the mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act.
3 保証等に係る求償権等を譲り受けた者が行う法第二十四条の六において準用する法第二十四条の四第一項の規定による通知は、書面により行わなければならない。
(3) A paper document must be used for the notice under Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act which is to be given by the assignee of a Right to Reimbursement, etc. Pertaining to Guarantee, etc.
4 保証等に係る求償権等を譲り受けた者が行う法第二十四条の六において準用する法第二十四条の四第一項の規定による通知は、前項の規定による書面による通知に代えて、次項で定めるところにより、保証等に係る求償権等の再譲渡を受ける者の承諾を得て、法第二十四条の六において準用する法第二十四条の四第一項の規定により通知すべきものを電磁的方法により提供することができる。この場合において、保証等に係る求償権等を譲り受けた者は、当該書面による通知をしたものとみなす。
(4) With the assent of the assignee of a reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc., in lieu of using a paper document as under the preceding paragraph to give the notice under Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act which is to be given by the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc., the assignee may give notice by using electronic or magnetic means, pursuant to the following paragraph, to provide the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc. with the information of which it is to notify it pursuant to Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act. In such a case, the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. is deemed to have used a paper document to give the notice.
5 保証等に係る求償権等を譲り受けた者は、前項の規定により法第二十四条の六において準用する法第二十四条の四第一項の規定により通知すべきものを提供しようとするときは、あらかじめ、保証等に係る求償権等の再譲渡を受ける者に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。
(5) Before seeking to apply the preceding paragraph so as to provide the assignee of a reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc. with the information of which that assignee must be notified pursuant to Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, the assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. must indicate to the assignee on reassignment the type and details of the electronic or magnetic means it will use and have that assignee assent to this in a paper document or by electronic or magnetic means.
6 前項の規定による承諾を得た保証等に係る求償権等を譲り受けた者は、保証等に係る求償権等の再譲渡を受ける者から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該保証等に係る求償権等の再譲渡を受ける者に対し、法第二十四条の六において準用する法第二十四条の四第一項の規定により通知すべきものの提供を電磁的方法によつてしてはならない。ただし、当該保証等に係る求償権等の再譲渡を受ける者が再び前項の規定による承諾をした場合は、この限りでない。
(6) If the original assignee of a Right to Reimbursement, etc. Pertaining to Guarantee, etc. that has obtained the assent under the preceding paragraph from the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc. is informed thereby, in a paper document or by electronic or magnetic means, that the assignee on reassignment is unwilling to be provided with information by electronic or magnetic means, the original assignee must not use electronic or magnetic means to provide the assignee on reassignment with the information of which notice must be given pursuant to Article 24-4, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act; provided, however, that this does not apply if the assignee of the reassigned Right to Reimbursement, etc. Pertaining to Guarantee, etc. reaffirms the assent under the preceding paragraph.
(受託弁済に係る求償権等を譲り受ける者に対する通知)
(Notice to the Assignee of the Right to Reimbursement. Pertaining to Performance under Entrustment)
第二十六条の二十三の十六 貸金業を営む者の委託を受けて当該貸金業を営む者の貸付けの契約に基づく債務の弁済をした者が受託弁済に係る求償権等を他人に譲渡する場合について、法第二十四条の六において準用する法第二十四条の五第一項に規定する内閣府令で定める事項は、次に掲げる事項とする。
Article 26-23-16 (1) With regard to the cases where a person making the performance of obligation under the Contract for a Loan made by a person in the Money Lending Business with the entrustment of the person in the Money Lending Business assigns the Right to Reimbursement, etc. Pertaining to Guarantee, etc. to others, the reference, in Article 24-5, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 24-6 of the Act, to matters specified by Cabinet Office Order means:
一 当該受託弁済に係る求償権等が貸金業を営む者の貸付けの契約に基づく債務の弁済により発生したこと。
(i) that the relevant Right to Reimbursement, etc. Pertaining to Performance under Entrustment has accrued from the performance of the obligation under the Contract for a Loan made by a person in the Money Lending Business;
二 受託弁済者及び当該受託弁済者に弁済を委託した貸金業を営む者の商号、名称又は氏名及び住所(極度方式貸付けに係る契約に係る受託弁済に係る求償権等であるときは、当該受託弁済に係る求償権等に係る貸付けに係る契約を締結した貸金業を営む者の商号、名称又は氏名及び住所の記載を要しない。)
(ii) the trade name, name and address of the Person Entrusted With Performance and of the person in the Money Lending Business that entrusted the performance to the relevant Person Entrusted With Performance (in cases of a Right to Reimbursement, etc. Pertaining to Performance under Entrustment related to the contract for a Revolving Credit Loan, statements of the trade name, name and address of the person in the Money Lending Business may be omitted);
三 受託弁済に係る求償権等の取得年月日及び当該受託弁済に係る求償権等に係る貸付けに係る契約の契約年月日
(iii) the date of acquisition of the Right to Reimbursement, etc. Pertaining to Performance under Entrustmen