割賦販売法施行規則
Ordinance for Enforcement of the Installment Sales Act
昭和三十六年十一月十四日通商産業省令第九十五号
Ordinance of the Ministry of International Trade and Industry No. 95 of November 14, 1961
割賦販売法(昭和三十六年法律第百五十九号)の規定に基づき、および同法を実施するため、割賦販売法施行規則を次のように制定する。
The Ordinance for Enforcement of the Installment Sales Act shall be established as follows based on the provisions of the Installment Sales Act (Act No. 159 of 1961) for the purpose of enforcing said Act.
目次
Table of Contents
第一章 割賦販売
Chapter I Installment Sales
第一節 総則 (第一条―第十一条)
Section 1 General Provisions (Articles 1 to 11)
第二節 前払式割賦販売 (第十二条―第二十六条)
Section 2 Prepaid Installment Sales (Articles 12 to 26)
第二章 ローン提携販売 (第二十七条―第三十五条)
Chapter II Loan Affiliated Installment Sales (Articles 27 to 35)
第三章 信用購入あつせん
Chapter III Intermediation of Credit Purchases
第一節 包括信用購入あつせん
Section 1 Intermediation of Comprehensive Credit Purchases
第一款 業務 (第三十六条―第六十二条)
Subsection 1 Business (Articles 36 to 62)
第二款 包括信用購入あつせん業者の登録等 (第六十三条―第六十八条)
Subsection 2 Registration, etc. of Comprehensive Credit Purchase Intermediaries (Articles 63 to 68)
第二節 個別信用購入あつせん
Section 2 Intermediation of Individual Credit Purchases
第一款 業務 (第六十九条―第九十八条)
Subsection 1 Business (Articles 69 to 98)
第二款 個別信用購入あつせん業者の登録等 (第九十九条―第百三条)
Subsection 2 Registration, etc. of Individual Credit Purchase Intermediaries (Articles 99 to 103)
第三節 指定信用情報機関
Section 3 Designated Credit Information Institutions
第一款 通則 (第百四条―第百八条)
Subsection 1 General Rules (Articles 104 to 108)
第二款 業務 (第百九条―第百十四条)
Subsection 2 Business (Articles 109 to 114)
第三款 監督 (第百十五条―第百十七条)
Subsection 3 Supervision (Articles 115 to 117)
第四款 加入包括信用購入あつせん業者及び加入個別信用購入あつせん業者 (第百十八条―第百二十一条)
Subsection 4 Participating Comprehensive Credit Purchase Intermediaries and Participating Individual Credit Purchase Intermediaries (Articles 118 to 121)
第四章 前払式特定取引 (第百二十二条―第百二十五条)
Chapter IV Specified Prepaid Transactions (Articles 122 and 125)
第五章 指定受託機関 (第百二十六条―第百三十一条)
Chapter V Designated Entrusted Institutions (Articles 126 to 131)
第六章 クレジットカード番号等の適切な管理等 (第百三十二条・第百三十三条)
Chapter VI Proper Management, etc. of Credit Card Numbers, etc. (Articles 132 and 133)
第七章 認定割賦販売協会 (第百三十四条・第百三十五条)
Chapter VII Certified Installment Sales Association (Articles 134 and 135)
第八章 雑則 (第百三十六条―第百四十一条)
Chapter VIII Miscellaneous Provisions (Articles 136 to 141)
附 則
Supplementary Provisions
第一章 割賦販売
Chapter I Installment Sales
第一節 総則
Section 1 General Provisions
(割賦販売条件の表示の方法)
(Method for Indication of the Terms and Conditions of Installment Sales)
第一条 割賦販売法(昭和三十六年法律第百五十九号。以下「法」という。)第三条第一項各号の事項は、次に定めるところにより示さなければならない。ただし、同項第四号の事項にあつては、賦払金の支払の方法が購入者又は役務の提供を受ける者(以下本節、第二章、第三章(第四十四条から第四十七条まで、第五十六条から第五十八条まで、第七十二条、第七十三条の二、第七十四条第一項第四号及び第二項、第八十九条から第九十一条まで並びに第三節を除く。)、第七章及び別表第一において「購入者等」という。)の要求により支払の間隔については第二項第一号に、額については同項第二号に該当する場合以外の場合になつたとき又は割賦手数料が二千五百円未満のときは、示さないことができる。
Article 1 (1) The matters set forth in the items of Article 3, paragraph (1) of the Installment Sales Act (Act No. 159 of 1961; hereinafter referred to as the "Act") shall be indicated as specified in the following items; provided, however, that the matters set forth in item (iv) of said paragraph may be omitted in cases where, in respect of a payment method of installments, the interval of paying the installments is other than those specified in paragraph (2), item (i) and the amount of the installments is other than those specified in item (ii) of said paragraph as requested by a purchaser or a service recipient (hereinafter referred to as a "Purchaser, etc." in this Section, Chapter II, Chapter III (excluding Articles 44 to 47, Articles 56 to 58, Article 72, Article 73-2, Article 74, paragraph (1), item (iv) and paragraph (2), Articles 89 to 91, and Section 3), Chapter VII, and appended table 1) or where the installment fee is less than 2,500 yen:
一 特定商取引に関する法律(昭和五十一年法律第五十七号)第二条第一項第一号に規定する営業所等(第六十九条第一項第一号において「営業所等」という。)において見やすい方法により掲示し、又は書面により提示すること。
(i) the matters shall be displayed by readily visible means at a business office, etc. as prescribed in Article 2, paragraph (1), item (i) of the Act on Specified Commercial Transactions (Act No. 57 of 1976) (referred to as a "Business Office, etc." in Article 69, paragraph (1), item (i)) or in writing;
二 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(ii) the terms listed in the left-hand column of the following table shall be used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights or the value of the services upon the delivery of goods or the transfer of rights or upon the conclusion of the contract to offer services
割賦販売価格
selling price by installment payment
割賦販売の方法により商品又は権利を販売する場合の価格
the price in the case of selling goods or rights by the installment sales method
割賦提供価格
offering price by installment payment
割賦販売の方法により役務を提供する場合の価格
the price in the case of offering services by the installment sales method
割賦価格
price by installment payment
割賦販売の方法により商品若しくは権利を販売し、又は役務を提供する場合の価格
the price in the case of selling goods or rights or offering services by the installment sales method
分割払価格
price by installment payment
月賦価格
price by monthly installment payment
割賦販売の方法により商品若しくは権利を販売し、又は役務を提供する場合の価格であつて賦払金の支払が月一回であるもの
the price in the case of selling goods or rights or offering services by the installment sales method and where the payment of installments is to be made once every month
前払式割賦販売価格
price by prepaid installment sales
前払式割賦販売の方法により販売する場合の価格
the price in the case of selling by the prepaid installment sales method
予約積立価格
price by reservation fund
月掛予約価格
price by monthly reservation
前払式割賦販売の方法により販売する場合の価格であつて賦払金の支払が月一回であるもの
the price in the case of selling by the prepaid installment sales method and where the payment of installments is to be made once every month
頭金
initial deposit
割賦販売の方法により指定商品若しくは指定権利を販売する契約又は指定役務を提供する契約(以下「割賦販売の契約」という。)の締結に際し購入者等が割賦販売業者に支払う金額
the amount of money that the Purchaser, etc. pays to the installment seller upon the conclusion of the contract to sell designated goods or designated rights or to offer designated services by the installment sales method (hereinafter referred to as the "Contract for Installment Sales")
初回金
initial payment
申込金
application fee
購入者等が割賦販売の契約の予約を目的として割賦販売業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the installment seller for the purpose of making a reservation for the Contract for Installment Sales and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
支払期間
period of payment
割賦販売の契約が締結された時から当該契約に基づく賦払金の支払が完了する時までの期間
the period from the time when the Contract for Installment Sales is concluded to the time when the payment of installments based on said contract is completed
支払回数
number of payments
割賦販売に係る頭金若しくは初回金を除いた商品若しくは権利の代金又は役務の対価の支払回数
the number of payments of the charge for the goods or rights or the value of the services, excluding the initial deposit or initial payment for installment sales
分割回数
number of installments
割賦手数料
installment fee
金利、信用調査費、集金費、事務管理費、貸倒補てん費その他何らの名義をもつてするを問わず割賦販売に係る手数料として割賦販売業者が購入者等に対し支払わせるものの総額(抵当権の設定の登記若しくは登録若しくはこれらの抹消に要する手数料又は公正証書の作成に要する手数料(法令に規定する手数料に限る。以下「登記等手数料」という。)を割賦販売の手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the installment seller requests the Purchaser, etc. to pay as the fee for installment sales, whatever their names, such as interest, credit check expenses, collection expenses, administrative expenses, bad debt expenses and the like (when it is clearly stated that any fee for registration or recording of the establishment of a mortgage or for the cancellation thereof, or any fee for preparation of a notarial deed (limited to any fee as prescribed in laws and regulations; hereinafter referred to as the "Fee for Registration, etc.") shall not be included in the fee for installment sales, the amount that remains after deducting the Fee for Registration, etc.)
分割払手数料
fee for installment payments
実質年率
annualized rate in real terms
次項の規定により算定した割賦販売の手数料の料率
the rate of the fee for installment sales calculated as prescribed in the following paragraph
賦払金
installments
割賦販売に係る各回ごとの商品若しくは権利の代金又は役務の対価の支払金額
the amount of each installment payment of the charge for the goods or rights or the value of the services pertaining to installment sales
分割払金
Installments
月掛金
monthly installments
前払式割賦販売に係る各回ごとの代金の支払金額であつて支払が月一回のもの
the amount of each installment payment of the charge pertaining to prepaid installment sales for which payment of installments is to be made once every month
三 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ること。
(iii) letters and numbers in 8-point or larger as specified in Japanese Industrial Standard (JIS) Z-8305 shall be used;
四 法第三条第一項第四号の事項は、次項に規定する方法により算定した割賦手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iv) the matters set forth in Article 3, paragraph (1), item (iv) of the Act shall be indicated as the rate of the installment fee calculated as prescribed in the following paragraph, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
2 法第三条第一項第四号の経済産業省令で定める方法は、別表第一第一号に定める方法とする。ただし、賦払金の支払の方法が、支払の間隔については第一号に、額については第二号に該当する場合以外の場合にあつては、同表第二号に定める方法とすることができる。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 3, paragraph (1), item (iv) of the Act shall be the method specified in row (i) of appended table 1; provided, however, that said method may be the method specified in row (ii) of said table in cases where, in respect of a payment method of installments, the interval of paying installments is other than those specified in item (i) and the amount of the installments is other than those specified in item (ii):
一 賦払金の支払の間隔が次のいずれかに該当する場合
(i) where the interval of paying installments falls under either of the following:
イ 支払期間における賦払金の支払が月一回であり、かつ、等間隔である場合
(a) where the payment of installments during the period of payment is to be made once every month at regular intervals;
ロ イに掲げる場合を除き、契約の締結された日から第一回の賦払金の支払日の前日までの期間が二月未満であつて、第一回の賦払金の支払日から支払期間の終了の日までの支払が月一回であり、かつ、等間隔である場合
(b) except in the cases listed in (a), where it is less than two months from the day of concluding the contract to the day preceding the day of the first installment payment, and where, during the period from the day of the first installment payment to the final day of the period of payment, the payment of installments is to be made once every month at regular intervals;
二 賦払金の額が次のいずれかに該当する場合
(ii) where the amount of installments falls under any of the following:
イ 賦払金の額が均等である場合
(a) where installments are of the same amount;
ロ 任意の一回の賦払金を除く他の賦払金の額が均等であり、当該均等な賦払金の額と異なる一回の賦払金の額が他の均等な賦払金の額の一・五倍に相当する額以下の額である場合
(b) where installments except for any one installment are of the same amount and said one different installment is an amount of not more than 150 percent of that of other equal installments;
ハ 支払期間のうちに六月、七月、八月、十二月若しくは一月が含まれている場合(支払期間が一年未満の場合に限る。)であつて、支払期間において当該六月、七月、八月、十二月若しくは一月のうちの一の月のみにおける賦払金(以下「特定月の賦払金」という。)以外の賦払金についてイ若しくはロに該当しており、かつ、特定月の賦払金の額が他の賦払金の額を超えている場合又は支払期間のうちに六月、七月若しくは八月と十二月若しくは一月が含まれている場合であつて、支払期間において当該六月、七月若しくは八月のうちの一の月と十二月若しくは一月のうちの一の月の賦払金(以下「特定の二月の賦払金」という。)以外の賦払金についてイ若しくはロに該当しており、かつ、特定の二月の賦払金の額が同額で他の賦払金の額を超えている場合
(c) where the period of payment includes any of June, July, August, December, or January (limited to the cases where the period of payment is less than one year), and the installments for the period of payment except for an installment for any of said June, July, August, December, or January (hereinafter referred to as the "Installment for the Specified Month") falls under (a) or (b) and the amount of the Installment for the Specified Month exceeds that of the other installments; or where the period of payment includes any of June, July, or August, and either of December or January, and the installments for the period of payment except for an installment for any of said June, July or August, and an installment for either of said December or January (hereinafter referred to as the "Installments for the Specified Two Months") falls under (a) or (b) and the Installments for the Specified Two Months are of the same amount and exceed the amount of the other installments.
第二条 法第三条第二項各号の事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 2 (1) When an installment seller delivers a document containing the matters set forth in the items of Article 3, paragraph (2) of the Act, it shall follow the rules specified in the following items:
一 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the following table shall be used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
Selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights or the value of the services upon the delivery of goods or the transfer of rights or upon the conclusion of the contract to offer services
割賦販売価格
selling price by installment payment
割賦販売の方法により商品又は権利を販売する場合の価格
the price in the case of selling goods or rights by the installment sales method
割賦提供価格
offering price by installment payment
割賦販売の方法により役務を提供する場合の価格
the price in the case of offering services by the installment sales method
割賦価格
price by installment payment
割賦販売の方法により商品若しくは権利を販売し、又は役務を提供する場合の価格
the price in the case of selling goods or rights or offering services by the installment sales method
分割払価格
price by installment payment
月賦価格
price by monthly installment payment
割賦販売の方法により商品若しくは権利を販売し、又は役務を提供する場合の価格であつて賦払金の支払が月一回であるもの
the price in the case of selling goods or rights or offering services by the installment sales method and where the payment of installments is to be made once every month
頭金
initial deposit
割賦販売の契約の締結に際し購入者等が割賦販売業者に支払う金額
the amount of money that the Purchaser, etc. pays to the installment seller upon the conclusion of the Contract for Installment Sales
初回金
initial payment
申込金
application fee
購入者等が割賦販売の契約の予約を目的として割賦販売業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the installment seller for the purpose of making a reservation for the Contract for Installment Sales and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
支払期間
period of payment
割賦販売の契約が締結された時から当該契約に基づく賦払金の支払が完了する時までの期間
the period from the time when the Contract for Installment Sales is concluded to the time when the payment of installments based on said contract is completed
支払回数
number of payments
割賦販売に係る頭金若しくは初回金を除いた商品若しくは権利の代金又は役務の対価の支払回数
the number of payments of the charge for the goods or rights or the value of the services, excluding the initial deposit or initial payment for installment sales
分割回数
number of installments
割賦手数料
installment fee
金利、信用調査費、集金費、事務管理費、貸倒補てん費その他何らの名義をもつてするを問わず割賦販売に係る手数料として割賦販売業者が購入者等に対し支払わせるものの総額(登記等手数料を割賦販売の手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the installment seller requests the Purchaser, etc. to pay as the fee for installment sales, whatever their names, such as interest, credit check expenses, collection expenses, administrative expenses, bad debt expenses, and the like (when it is clearly stated that any Fee for Registration, etc. shall not be included in the fee for installment sales, the amount that remains after deducting the Fee for Registration, etc.)
分割払手数料
fee for installment payments
実質年率
annualized rate in real terms
次項の規定により算定した割賦販売の手数料の料率
the rate of the fee for installment sales calculated as prescribed in the following paragraph
賦払金
installments
割賦販売に係る各回ごとの商品若しくは権利の代金又は役務の対価の支払金額
the amount of each installment payment of the charge for the goods or rights or the value of the services pertaining to installment sales
分割払金
installment payments
二 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ること。
(ii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第三条第二項第二号の事項は、次項に規定する方法により算定した割賦手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in Article 3, paragraph (2), item (ii) of the Act shall be indicated as the rate of the installment fee calculated as prescribed in the following paragraph, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
2 法第三条第二項第二号の経済産業省令で定める方法は、別表第一第一号に定める方法とする。ただし、賦払金の支払の方法が、支払の間隔については前条第二項第一号に、額については同項第二号に該当する場合以外の場合にあつては、同表第二号に定める方法とすることができる。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 3, paragraph (2), item (ii) of the Act shall be the method specified in row (i) of appended table 1; provided, however, that said method may be the method specified in row (ii) of said table in cases where, in respect of a payment method of installments, the interval of paying installments is other than those specified in paragraph (2), item (i) of the preceding Article and the amount of the installments is other than those specified in item (ii) of said paragraph:
3 法第三条第二項第三号の経済産業省令で定める事項は、次のとおりとする。
(3) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 3, paragraph (2), item (iii) of the Act shall be as follows:
一 商品若しくは権利の割賦販売価格又は役務の割賦提供価格の具体的算定例
(i) a concrete example of the calculation of the selling price by installment payment of goods or rights or the price by installment payment for the provision of services;
二 極度額(割賦販売の方法により指定商品若しくは指定権利を購入し、又は指定役務を受領することができる額の上限であつて、あらかじめ定められたものをいう。次条第三項第二号において同じ。)について定めがあるときは、その金額
(ii) when there is an agreement on the credit line (meaning the maximum amount for purchasing goods or rights or for receiving services by the installment sales method that is specified in advance; the same shall apply in paragraph (3), item (ii) of the following Article), said amount;
三 前号に定めるもののほか、カード等の利用に関する特約があるときは、その内容
(iii) in addition to what is provided for in the preceding item, when there are any special agreements concerning the use of a card, etc., the details thereof.
第三条 法第三条第三項各号の事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 3 (1) When an installment seller delivers a document containing the matters set forth in the items of Article 3, paragraph (3) of the Act, it shall follow the rules specified in the following items:
一 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the following table shall be used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights or the value of the services upon the delivery of goods or the transfer of rights or upon the conclusion of the contract to offer services
頭金
initial deposit
割賦販売の契約の締結に際し購入者等が割賦販売業者に支払う金額
the amount of money that the Purchaser, etc. pays to the installment seller upon the conclusion of the Contract for Installment Sales
初回金
initial payment
申込金
application fee
購入者等が割賦販売の契約の予約を目的として割賦販売業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the installment seller for the purpose of making a reservation for the Contract for Installment Sales and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
割賦手数料
installment fee
金利、信用調査費、集金費、事務管理費、貸倒補てん費その他何らの名義をもつてするを問わず割賦販売に係る手数料として割賦販売業者が購入者等に対し支払わせるものの総額(登記等手数料を割賦販売の手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the installment seller requests the Purchaser, etc. to pay as the fee for installment sales, whatever their names, such as interest, credit check expenses, collection expenses, administrative expenses, bad debt expenses, and the like (when it is clearly stated that any Fee for Registration, etc. shall not be included in the fee for installment sales, the amount that remains after deducting the Fee for Registration, etc.)
実質年率
annualized rate in real terms
次項の規定により算定した割賦販売の手数料の料率
the rate of the fee for installment sales calculated as prescribed in the following paragraph
弁済金
tender
割賦販売に係る各回ごとの商品若しくは権利の代金又は役務の対価の支払金額
the amount of each installment payment of the charge for the goods or rights or the value of the services pertaining to installment sales
二 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ること。
(ii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第三条第三項第二号の事項は、次項に規定する方法により算定した割賦手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in Article 3, paragraph (3), item (ii) of the Act shall be indicated as the rate of the installment fee calculated as prescribed in the following paragraph, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
2 法第三条第三項第二号の経済産業省令で定める方法は、別表第一第三号に定める方法とする。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 3, paragraph (3), item (ii) of the Act shall be the method specified in row (iii) of appended table 1.
3 法第三条第三項第三号の経済産業省令で定める事項は、次のとおりとする。
(3) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 3, paragraph (3), item (iii) of the Act shall be as follows:
一 弁済金の額の具体的算定例
(i) a concrete example of the calculation of the amount of a tender;
二 極度額について定めがあるときは、その金額
(ii) when there is an agreement on the credit line, said amount;
三 前号に定めるもののほか、カード等の利用に関する特約があるときは、その内容
(iii) in addition to what is provided for in the preceding item, when there are any special agreements concerning the use of a card, etc., the details thereof.
第四条 法第三条第四項の規定により、同条第一項、第二項又は第三項の割賦販売の方法により指定商品若しくは指定権利を販売する場合の販売条件又は指定役務を提供する場合の提供条件について広告するときは、それぞれ同条第一項各号、第二項各号又は第三項各号の事項について次の各号に定めるところにより表示しなければならない。ただし、同条第一項第四号の事項にあつては、割賦手数料が二千五百円未満のときは、表示しないことができる。
Article 4 When an installment seller advertises, pursuant to the provisions of Article 3, paragraph (4) of the Act, the conditions for the sale in cases of selling designated goods or designated rights or the conditions for the provision in cases of designated services being provided by the installment sales method prescribed in paragraph (1), paragraph (2), or paragraph (3) of said Article, it shall indicate the relevant matters set forth respectively in the items of paragraph (1), the items of paragraph (2), or the items of paragraph (3) of said Article, as specified in the following items; provided, however, that the matters set forth in paragraph (1), item (iv) of said Article may be omitted in cases where the installment fee is less than 2,500 yen:
一 法第三条第一項各号、第二項各号又は第三項各号の事項について、それぞれ第一条第一項第二号、第二条第一項第一号又は第三条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) with regard to the matters set forth in the items of paragraph (1), the items of paragraph (2), or the items of paragraph (3) of Article 3 of the Act, the terms listed respectively in the left-hand column of the relevant table of Article 1, paragraph (1), item (ii), Article 2, paragraph (1), item (i), or Article 3, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said relevant table;
二 書面により広告を行う場合にあつては、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ること。
(ii) where the advertisement is made in writing, letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第三条第一項第四号、第二項第二号又は第三項第二号の事項は、それぞれ第一条第二項、第二条第二項又は第三条第二項に規定する方法により算定した割賦手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in paragraph (1), item (iv), paragraph (2), item (ii), or paragraph (3), item (ii) of Article 3 of the Act shall be indicated as the rate of the installment fee calculated as prescribed respectively in Article 1, paragraph (2), Article 2, paragraph (2), or Article 3, paragraph (2), on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
(書面の交付等)
(Delivery of Documents, etc.)
第五条 法第四条第一項第七号の経済産業省令で定める事項は、次のとおりとする。ただし、法第三条第二項の割賦販売の方法により指定商品若しくは指定権利を販売する契約又は指定役務を提供する契約を締結した場合においては第六号に掲げる事項を、同項の割賦販売の方法により指定商品を販売する契約であつて当該契約に係る指定商品の種類が二以上あるものを締結した場合においては第三号から第五号までに掲げる事項(現金販売価格が三千円に満たない指定商品(当該契約に係る指定商品のうち現金販売価格が最も高額であるものを除く。)に係るものに限る。)をそれぞれ記載しないことができる。
Article 5 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 4, paragraph (1), item (vii) of the Act shall be as follows; provided, however, that the matters listed in item (vi) may be omitted where an installment seller has concluded a contract to sell designated goods or designated rights or to provide designated services by the installment sales method set forth in Article 3, paragraph (2) of the Act, and the matters listed in items (iii) to (v) may be omitted where an installment seller has concluded a contract to sell designated goods by the installment sales method set forth in said paragraph to which two or more types of designated goods pertain (such matters that may be omitted shall be limited to those pertaining to the types of designated goods whose selling price in cash is less than 3,000 yen (excluding a type of designated goods whose selling price in cash is the highest of all the designated goods pertaining to said contract)):
一 割賦販売業者の名称及び住所又は電話番号
(i) the name and address or telephone number of the installment seller;
二 契約年月日
(ii) the date of the contract;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び機種又は型式(権利又は役務の場合にあつては、当該権利又は当該役務の種類)
(iv) the trademark, manufacturer, unit type, or model of the goods (in the case of rights or services, the type of said rights or said services);
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which that the rights can be exercised or the services can be received under the contract);
六 頭金又は初回金の額
(vi) the amount of the initial deposit or the initial payment;
七 賦払金の支払回数
(vii) the number of payments of installments;
八 割賦販売の契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(viii) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Installment Sales;
九 前払式割賦販売の場合を除き、支払時期の到来していない賦払金の支払を請求することについての定めがあるときは、その内容
(ix) excluding the case of prepaid installment sales, when there is an agreement on the demand for the payment of installments that have not yet become due, the details thereof;
十 賦払金の支払の義務が履行されない場合(契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めがあるときは、その内容
(x) when there is an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to pay installments (excluding cases where the contract has been cancelled), the details thereof;
十一 役務の提供が指定商品又は指定権利の販売の条件となつているときは、当該役務の内容、提供時期その他当該役務に関する事項
(xi) when the provision of services is one of the conditions for the sale of designated goods or designated rights, the details of said services, the timing of their provision, and any other matters concerning said services;
十二 商品の販売が指定権利の販売又は指定役務の提供の条件となつているときは、当該商品の内容、引渡し時期その他当該商品に関する事項
(xii) when the sale of goods is one of the conditions for the sale of designated rights or the provision of designated services, the details of said goods, the delivery time, and any other matters concerning said goods;
十三 権利の販売が指定商品の販売又は指定役務の提供の条件となつているときは、当該権利の内容、移転時期その他当該権利に関する事項
(xiii) when the sale of rights is one of the conditions for the sale of designated goods or the provision of designated services, the details of said rights, the timing of their transfer, and any other matters concerning said rights;
十四 商品に隠れた瑕疵がある場合の責任についての定めがあるときは、その内容
(xiv) when there is an agreement on the liability in cases where the goods have any hidden defect, the details thereof;
十五 前各号に掲げるもののほか特約があるときは、その内容
(xv) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof;
十六 割賦販売の契約が連鎖販売個人契約又は業務提供誘引販売個人契約であるときは、その旨
(xvi) when the Contract for Installment Sales is a personal multilevel marketing contract or a personal business opportunity related sales contract, to that effect.
第六条 法第四条第一項の規定(法第三条第一項の割賦販売の場合に限る。)により法第四条第一項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 6 (1) When an installment seller delivers, pursuant to the provisions of Article 4, paragraph (1) of the Act (limited to the case of installment sales as set forth in Article 3, paragraph (1) of the Act), a document containing the matters listed in the items of Article 4, paragraph (1) of the Act, it shall follow the rules specified in the following items:
一 第一条第一項第二号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 1, paragraph (1), item (ii) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 法第四条第一項第五号に掲げる事項については、その内容が次の基準に合致していること。
(ii) with regard to the matters listed in Article 4, paragraph (1), item (v) of the Act, the details thereof must be in accordance with the following criteria:
イ 購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. may not cancel the contract;
ロ 割賦販売の契約の締結の前に割賦販売業者が見本、カタログ等により購入者等に対し提示した当該契約の内容と当該購入者等が受領した商品若しくは権利又は提供を受ける役務が相違している場合には、購入者等は、当該契約の解除をすることができる旨が定められていること。
(b) it is provided that if the details of said contract presented by the installment seller by way of using samples, catalogues, and the like, prior to the conclusion of the Contract for Installment Sales, differ from the goods or rights received or the services to be received by the Purchaser, etc., said Purchaser, etc. may cancel said contract;
ハ 購入者等の支払義務の不履行により契約を解除することができる場合は、割賦販売業者が定める一定期間にわたり義務の不履行があつた場合であつて、割賦販売業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(c) it is provided that the cancellation of the contract due to a failure of the Purchaser, etc. to perform the obligation to make payments is allowed only when the failure to perform the obligation has continued for a certain period of time as specified by the installment seller, and the installment seller has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period;
ニ 購入者等の責に帰すべき事由により契約が解除された場合の損害賠償等の額についての定めが法第六条第一項、第三項及び第四項の規定に合致していること。
(d) an agreement on the amount of damages, etc. in cases where the contract has been cancelled due to a cause imputable to the Purchaser, etc. complies with the provisions of Article 6, paragraph (1), paragraph (3) and paragraph (4) of the Act;
ホ 割賦販売業者の責に帰すべき事由により契約が解除された場合における割賦販売業者の義務に関し、民法(明治二十九年法律第八十九号)第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(e) with regard to the obligation of the installment seller in cases where the contract has been cancelled due to a cause imputable to the installment seller, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code (Act No. 89 of 1896);
三 法第四条第一項第六号並びに前条第九号、第十号、第十四号及び第十五号に掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(iii) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in Article 4, paragraph (1), item (vi) of the Act and item (ix), item (x), item (xiv), and item (xv) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 所有権の移転に関する事項
(i) matters concerning the transfer of ownership
イ 商品の所有権の移転の時期が明示されていること。
(a) the time for the transfer of ownership of goods is clearly indicated
ロ 商品の所有権の移転前においては、購入者は、当該商品を担保に供し、譲渡し、又は転売することができない旨が定められていること。
(b) it is provided that the purchaser may not pledge the goods as collateral, or transfer or resell the goods, prior to the transfer of ownership of said goods
二 支払時期の到来していない賦払金の支払の請求に関する事項
(ii) matters concerning the demand for the payment of installments that have not yet become due
イ 購入者等の支払義務の不履行により支払時期の到来していない賦払金の支払を請求することができる場合は、割賦販売業者が定める一定期間にわたり義務の不履行があつた場合であつて、割賦販売業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(a) it is provided that the payment of installments that have not yet become due may be demanded due to a failure of the Purchaser, etc. to perform the obligation to make payments only when the failure to perform the obligation has continued for a certain period of time as specified by the installment seller, and the installment seller has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ロ 購入者等の支払義務の不履行以外の事由により支払時期の到来していない賦払金の支払を請求することができる場合として、購入者等の信用が著しく悪化した場合又は重要な契約条項違反があつた場合以外の場合が定められていないこと。
(b) no other case than the case of the significant deterioration of the credit of the Purchaser, etc. or a violation of any important contract clause is provided as the case where the payment of installments that have not yet become due may be demanded due to reasons other than a failure of the Purchaser, etc. to perform the obligation to make payments
三 賦払金の支払の義務が履行されない場合(契約が解除された場合を除く。)の損害賠償額又は違約金に関する事項
(iii) matters concerning the amount of damages or a penalty charge in the case of any failure to perform the obligation to pay installments (excluding cases where the contract has been cancelled)
賦払金の支払の義務が履行されない場合(契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めが法第六条第二項の規定に合致していること。
an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to pay installments (excluding cases where the contract has been cancelled) complies with the provisions of Article 6, paragraph (2) of the Act
四 商品に隠れた瑕疵がある場合の責任に関する事項
(iv) matters concerning liability in cases where the goods have any hidden defect
商品に隠れた瑕疵(道路運送車両法(昭和二十六年法律第百八十五号)の規定による臨時運行以外の運行の用に供された旨が明示されている自動車に係る瑕疵であつて、当該運行の用に供されたことにより通常生ずるものを除く。)がある場合に割賦販売業者が当該瑕疵について責任を負わない旨が定められていないこと。
it is not provided that in cases where the goods have any hidden defect (excluding any defect in automobiles where it is clear that they have been used for a purpose other than for temporary special service under the Road Vehicles Act (Act No. 185 of 1951) and where such defect is generally caused by such usage), the installment seller assumes no liability for said defect
五 法第四条第一項第六号並びに前条第九号、第十号及び第十四号に掲げるもの以外の特約
(v) special agreements other than those listed in Article 4, paragraph (1), item (vi) of the Act and item (ix), item (x), and item (xiv) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
四 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ること。
(iv) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
2 前項の規定は、法第三条第二項の割賦販売の場合に準用する。この場合において、前項中「第一条第一項第二号」とあるのは、「第二条第一項第一号」と読み替えるものとする。
(2) The provisions of the preceding paragraph shall apply mutatis mutandis to the installment sales set forth in Article 3, paragraph (2) of the Act. In this case, the term "Article 1, paragraph (1), item (ii)" in the preceding paragraph shall be deemed to be replaced with "Article 2, paragraph (1), item (i)."
第七条 法第四条第二項第六号の経済産業省令で定める事項は、次のとおりとする。ただし、割賦販売の契約であつて当該契約に係る指定商品の種類が二以上あるものを締結した場合においては、第三号から第五号までに掲げる事項(現金販売価格が三千円に満たない指定商品(当該契約に係る指定商品のうち現金販売価格が最も高額であるものを除く。)に係るものに限る。)を記載しないことができる。
Article 7 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 4, paragraph (2), item (vi) of the Act shall be as follows; provided, however, that the matters listed in items (iii) to (v) may be omitted where an installment seller has concluded a Contract for Installment Sales to which two or more types of designated goods pertain (such matters that may be omitted shall be limited to those pertaining to the types of designated goods whose selling price in cash is less than 3,000 yen (excluding a type of designated goods whose selling price in cash is the highest of all the designated goods pertaining to said contract)):
一 割賦販売業者の名称及び住所又は電話番号
(i) the name and address or telephone number of the installment seller;
二 契約年月日
(ii) the date of the contract;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び機種又は型式(権利又は役務の場合にあつては、当該権利又は当該役務の種類)
(iv) the trademark, manufacturer, unit type, or model of the goods (in the case of rights or services, the type of said rights or said services);
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which the rights can be exercised or the services can be received under the contract);
六 割賦販売の契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(vi) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Installment Sales;
七 支払時期の到来していない弁済金の支払を請求することについての定めがあるときは、その内容
(vii) when there is an agreement on the demand for the payment of tenders that have not yet become due, the details thereof;
八 弁済金の支払の義務が履行されない場合(契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めがあるときは、その内容
(viii) when there is an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to pay tenders (excluding cases where the contract has been cancelled), the details thereof;
九 役務の提供が指定商品又は指定権利の販売の条件となつているときは、当該役務の内容、提供時期その他当該役務に関する事項
(ix) when the provision of services is one of the conditions for the sale of designated goods or designated rights, the details of said services, the timing of their provision, and any other matters concerning said services;
十 商品の販売が指定権利の販売又は指定役務の提供の条件となつているときは、当該商品の内容、引渡し時期その他当該商品に関する事項
(x) when the sale of goods is one of the conditions for the sale of designated rights or the provision of designated services, the details of said goods, the delivery time, and any other matters concerning said goods;
十一 権利の販売が指定商品の販売又は指定役務の提供の条件となつているときは、当該権利の内容、移転時期その他当該権利に関する事項
(xi) when the sale of rights is one of the conditions for the sale of designated goods or the provision of designated services, the details of said rights, the timing of their transfer, and any other matters concerning said rights;
十二 商品に隠れた瑕疵がある場合の責任についての定めがあるときは、その内容
(xii) when there is an agreement on the liability in cases where the goods have any hidden defect, the details thereof;
十三 前各号に掲げるもののほか特約があるときは、その内容
(xiii) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof;
十四 割賦販売の契約が連鎖販売個人契約又は業務提供誘引販売個人契約であるときは、その旨
(xiv) when the Contract for Installment Sales is a personal multilevel marketing contract or a personal business opportunity related sales contract, to that effect.
第八条 法第四条第二項の規定により同項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 8 When an installment seller delivers, pursuant to the provisions of Article 4, paragraph (2) of the Act, a document containing the matters listed in the items of said paragraph, it shall follow the rules specified in the following items:
一 第三条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 3, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 法第四条第二項第四号に掲げる事項については、その内容が次の基準に合致していること。
(ii) with regard to the matters listed in Article 4, paragraph (2), item (iv) of the Act, the details thereof must be in accordance with the following criteria:
イ 購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. may not cancel the contract;
ロ 割賦販売の契約の締結の前に割賦販売業者が見本、カタログ等により購入者等に対し提示した当該契約の内容と当該購入者等が受領した商品若しくは権利又は提供を受ける役務が相違している場合には、購入者等は、当該契約の解除をすることができる旨が定められていること。
(b) it is provided that if the details of said contract presented by the installment seller by way of using samples, catalogues, and the like, prior to the conclusion of the Contract for Installment Sales, differ from the goods or rights received or the services to be received by the Purchaser, etc., said Purchaser, etc. may cancel said contract;
ハ 購入者等の支払義務の不履行により契約を解除することができる場合は、割賦販売業者が定める一定期間にわたり義務の不履行があつた場合であつて、割賦販売業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(c) it is provided that the cancellation of the contract due to a failure of the Purchaser, etc. to perform the obligation to make payments is allowed only when the failure to perform the obligation has continued for a certain period of time as specified by the installment seller, and the installment seller has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period;
ニ 割賦販売業者の責に帰すべき事由により契約が解除された場合における割賦販売業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(d) with regard to the obligation of the installment seller in cases where the contract has been cancelled due to a cause imputable to the installment seller, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code;
三 法第四条第二項第五号並びに前条第七号、第十二号及び第十三号に掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(iii) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in Article 4, paragraph (2), item (v) of the Act and item (vii), item (xii), and item (xiii) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 所有権の移転に関する事項
(i) matters concerning the transfer of ownership
イ 商品の所有権の移転の時期が明示されていること。
(a) the time for the transfer of ownership of goods is clearly indicated
ロ 商品の所有権の移転前においては、購入者は、当該商品を担保に供し、譲渡し、又は転売することができない旨が定められていること。
(b) it is provided that the purchaser may not pledge the goods as collateral, or transfer or resell the goods, prior to the transfer of ownership of said goods
二 支払時期の到来していない弁済金の支払の請求に関する事項
(ii) matters concerning the demand for the payment of tenders that have not yet become due
イ 購入者等の支払義務の不履行により支払時期の到来していない弁済金の支払を請求することができる場合は、割賦販売業者が定める一定期間にわたり義務の不履行があつた場合であつて、割賦販売業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(a) it is provided that the payment of tenders that have not yet become due may be demanded due to a failure of the Purchaser, etc. to perform the obligation to make payments only when the failure to perform the obligation has continued for a certain period of time as specified by the installment seller, and the installment seller has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ロ 購入者等の支払義務の不履行以外の事由により支払時期の到来していない弁済金の支払を請求することができる場合として、購入者等の信用が著しく悪化した場合又は重要な契約条項違反があつた場合以外の場合が定められていないこと。
(b) no other case than the case of the significant deterioration of the credit of the Purchaser, etc. or a violation of any important contract clause is provided as the case where the payment of tenders that have not yet become due may be demanded due to reasons other than a failure of the Purchaser, etc. to perform the obligation to make payments
三 商品に隠れた瑕疵がある場合の責任に関する事項
(iii) matters concerning liability in cases where the goods have any hidden defect
商品に隠れた瑕疵(道路運送車両法の規定による臨時運行以外の運行の用に供された旨が明示されている自動車に係る瑕疵であつて、当該運行の用に供されたことにより通常生ずるものを除く。)がある場合に割賦販売業者が当該瑕疵について責任を負わない旨が定められていないこと。
it is not provided that in cases where the goods have any hidden defect (excluding any defect in automobiles where it is clear that they have been used for a purpose other than for temporary special service under the Road Vehicles Act and where such defect is generally caused by such usage), the installment seller assumes no liability for said defect
四 法第四条第二項第五号並びに前条第七号及び第十二号に掲げるもの以外の特約
(iv) special agreements other than those listed in Article 4, paragraph (2), item (v) of the Act and item (vii) and item (xii) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
四 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ること。
(iv) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
第九条 法第四条第三項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 9 When an installment seller delivers a document containing the matters listed in the items of Article 4, paragraph (3) of the Act, it shall follow the rules specified in the following items:
一 第三条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 3, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 弁済金の算定根拠については、遅延損害金及び割賦販売の手数料以外の債務のうち未払として残つている額、弁済金の内訳その他弁済金の額の算出に必要な事項を記載すること。
(ii) with regard to the grounds for the calculation of tenders, the amount of the unpaid portion of any obligations other than delay damages and the fee for installment sales, the breakdown of tenders, and any other matters necessary for calculating tenders shall be indicated;
三 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ること。
(iii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
(情報通信の技術を利用する方法)
(Means of Using Information and Communications Technology)
第十条 法第四条の二の経済産業省令で定める方法は、次に掲げる方法とする。
Article 10 (1) The means specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 4-2 of the Act shall be the following:
一 電子情報処理組織を使用する方法のうちイ又はロに掲げるもの
(i) means of using an electronic data processing system as listed in (a) or (b):
イ 割賦販売業者の使用に係る電子計算機と利用者又は購入者等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、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
(a) means of sending a document through a telecommunication line connecting the computer used by the installment seller and the computer used by the user or the Purchaser, etc., and recording it in a file on the computer used by the recipient;
ロ 割賦販売業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書面に記載すべき事項を電気通信回線を通じて利用者又は購入者等の閲覧に供し、当該利用者又は購入者等の使用に係る電子計算機に備えられたファイルに当該事項を記録する方法(法第四条の二前段に規定する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あつては、割賦販売業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)
(b) means of providing a user or Purchaser, etc. with the matters to be indicated in a document which are recorded in a file on the computer used by the installment seller for inspection through a telecommunication line, and recording said matters in a file on the computer used by said user or Purchaser, etc. (in the case of consenting or refusing to accept the provision of matters through the means prescribed in the first sentence of Article 4-2 of the Act, means of recording to that effect in a file on the computer used by the installment seller);
二 磁気ディスク、シー・ディー・ロムその他これらに準ずる方法により一定の事項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書面に記載すべき事項を記録したものを交付する方法
(ii) means of delivering a file, prepared in the form of a magnetic disk, CD-ROM, or any other equivalent means that may reliably store certain matters, which contains the matters to be indicated in a document.
2 前項に掲げる方法は、利用者又は購入者等がファイルへの記録を出力することによる書面を作成することができるものでなければならない。
(2) The means listed in the preceding paragraph shall be the one that allow the user or the Purchaser, etc. to prepare a document by outputting the contents recorded in the file.
3 第一項第一号の「電子情報処理組織」とは、割賦販売業者の使用に係る電子計算機と、利用者又は購入者等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 "electronic data processing system" set forth in paragraph (1), item (i) shall mean the electronic data processing system that connects the computer used by the installment seller and the computer used by the user or the Purchaser, etc. through a telecommunication line.
第十一条 割賦販売法施行令(昭和三十六年政令第三百四十一号。以下「令」という。)第二条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 11 The type and details of the means to be indicated pursuant to the provisions of Article 2 of the Order for Enforcement of the Installment Sales Act (Cabinet Order No. 341 of 1961; hereinafter referred to as the "Order") shall be the following matters:
一 前条第一項に規定する方法のうち割賦販売業者が使用するもの
(i) the means prescribed in paragraph (1) of the preceding Article that is used by the installment seller;
二 ファイルへの記録の方式
(ii) the method of recording in the file.
第二節 前払式割賦販売
Section 2 Prepaid Installment Sales
(許可の申請)
(Application for License)
第十二条 法第十二条第一項の申請書は、様式第一によるものとする。
Article 12 (1) A written application as set forth in Article 12, paragraph (1) of the Act shall be prepared in accordance with Form 1.
2 法第十二条第二項の経済産業省令で定める書類は、次のとおりとする。
(2) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 12, paragraph (2) of the Act shall be as follows:
一 許可申請書提出日前一月以内の一定の日の現在において様式第二により作成した財産に関する調書及び様式第三により作成した許可申請書提出日の直前事業年度の収支に関する調書並びに許可申請書提出日の直前五事業年度(事業年度が六月の法人にあつては、直前十事業年度)の貸借対照表(関連する注記を含む。第百二十二条第二項第一号において同じ。)、損益計算書(関連する注記を含む。同号において同じ。)及び株主資本等変動計算書(関連する注記を含む。同号において同じ。)又はこれらに代わる書面
(i) the record on the property prepared in accordance with Form 2 as of a certain day within one month prior to the day of submitting the written application for a license, the record on the income and expenditure for the business year immediately prior to the day of submitting the written application for a license prepared in accordance with Form 3, and the balance sheets (including related notes; the same shall apply in Article 122, paragraph (2), item (i)), profit and loss statements (including related notes; the same shall apply in said item), and statements of changes in net assets (including related notes; the same shall apply in said item) for the last five business years immediately prior to the day of submitting the written application for a license (with regard to a corporation whose business term is six months, for the last ten business terms) or any alternative documents;
二 次の事項を記載した許可後五事業年度(事業年度が六月の法人にあつては、許可後十事業年度)の業務計画書
(ii) documented business plans for the coming five business years (with regard to a corporation whose business term is six months, for the coming ten business terms) after obtaining a license that contains the following matters:
イ 前払式割賦販売の方法により販売しようとする指定商品の販売計画
(a) sales plans of designated goods that the person intends to sell by the prepaid installment sales method;
ロ 収支計画
(b) income and expenditure plans;
ハ 資金計画
(c) financial plans;
三 役員の履歴書
(iii) curricula vitae of officers;
四 法第十五条第一項第六号から第八号までの規定に該当しないことを誓約する書面
(iv) a document to pledge that the person does not fall under any of the provisions of Article 15, paragraph (1), items (vi) to (viii) of the Act;
五 前払式割賦販売に関する代理店を有するときは、代理店契約書の写し
(v) when the person has any agency office related to prepaid installment sales, a copy of the agency contract;
六 申請の日前一年間における指定商品の種類別の前払式割賦販売の方法による販売額
(vi) the sales amount of designated goods sold by the prepaid installment sales method, by type of goods, for one year prior to the day of filing an application.
3 法第十二条第三項の経済産業省令で定める電磁的記録は、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)第三条第一項に定める行政機関等の使用に係る電子計算機から入手され記録されたものとする。
(3) The electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 12, paragraph (3) of the Act shall be the information obtained and recorded from the computer used by administrative organs, etc. as prescribed in Article 3, paragraph (1) of the Act on Utilizing Information Communications Technology in Administrative Procedures, etc. (Act No. 151 of 2002).
(前払式割賦販売契約約款の基準)
(Criteria for the Terms of a Contract for Prepaid Installment Sales)
第十三条 法第十五条第一項第五号の経済産業省令で定める基準は、次のとおりとする。
Article 13 The criteria specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 15, paragraph (1), item (v) of the Act shall be as follows:
一 次の事項が記載される欄があること。
(i) there shall be columns to indicate the following:
イ 販売者の名称および住所
(a) the name and address of the seller;
ロ 購入者の氏名
(b) the name of the purchaser;
ハ 契約番号
(c) a contract number;
ニ 契約年月日
(d) the date of the contract;
ホ 商品名
(e) the names of the goods;
ヘ 商品の商標又は製造者名及び機種又は型式
(f) the trademarks, manufacturers, unit types, or models of the goods;
ト 商品の数量
(g) the quantity of the goods;
チ 前払式割賦販売価格
(h) the price by prepaid installment sales; and
リ 賦払金の金額、回数、支払時期及び支払の方法
(i) the amount, number, time of payment, and means of the payment of installments;
二 第一条第一項第二号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(ii) the terms listed in the left-hand column of the table of Article 1, paragraph (1), item (ii) shall be used, with the meanings as defined respectively in the right-hand column of said table;
三 次の表の上欄の事項(商品の引渡しを受ける前に代金の一部を支払う旨を定める前払式割賦販売契約約款にあつては、同欄の一から五までの項の事項)が記載されており、かつ、その内容が同表の下欄の基準に合致していること。
(iii) the matters set forth in the left-hand column of the following table (with regard to the terms of a contract for prepaid installment sales that provide that a part of the charge shall be paid before receiving the delivery of goods, the matters set forth in rows (i) to (v) of said column) shall be indicated and the details thereof must be in accordance with the criteria set forth in the right-hand column of said table:
記載すべき事項
Matters to be indicated
内容の基準
Criteria
一 領収書の発行に関すること。
(i) matters concerning the issuance of receipts
支払の方法が集金又は持参の場合には、領収書を発行する旨が定められていること。
it is provided that where installment payments are to be collected or brought in, receipts shall be issued
二 商品の引渡し時期に関すること。
(ii) matters concerning the time of the delivery of goods
引渡し時期として商品の引渡しを受ける前に支払うべき代金の完済後三十日以内の一定期間が定められていること。
a certain period within 30 days after the full payment of the charge that is to be paid before receiving the delivery of goods is specified as the time of the delivery
三 契約の解除に関すること。
(iii) matters concerning the cancellation of the contract
購入者の支払義務の不履行により契約を解除する場合は、販売者が定める一定期間にわたり義務の不履行があつた場合であつて、販売者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨及び販売者の責に帰すべき事由により契約の目的を達することができなくなつた場合には、購入者は当該契約を解除することができる旨が定められていること。
it is provided that the cancellation of the contract due to a failure of the purchaser to perform the obligation to make payments is allowed only when the failure to perform the obligation has continued for a certain period of time as specified by the seller, and the seller has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period, and that in cases where the purpose of the contract can no longer be achieved due to a cause imputable to the seller, the purchaser may cancel said contract
四 契約の解除に伴う損害賠償等の額に関すること。
(iv) matters concerning the amount of damages, etc. due to the cancellation of the contract
購入者の責に帰すべき事由により契約を解除する場合には、契約解除の日から六十日以内の一定の期間内に購入者が既に支払つた金額から契約の締結及び履行のために通常要する費用の額を控除した額を払い戻す旨が定められており、かつ、その額が、購入者が容易に計算することができる方法により明確に表示されていること、並びに販売者の責に帰すべき事由により契約を解除する場合には、遅滞なく、支払済金額及び支払済金額に法定利率を乗じた額以上の一定額の合計額を払い戻す旨が定められていること。
it is provided that in cases where the contract is cancelled due to a cause imputable to the purchaser, the seller shall refund the amount, which is obtained by deducting the expenses generally required for concluding and performing the contract from the amount already paid by the purchaser, during a certain period within 60 days from the day of cancelling the contract; and said amount to be refunded is clearly indicated in such a way that the purchaser can easily make a calculation; and it is provided that in cases where the contract is cancelled due to a cause imputable to the seller, the seller shall refund, without delay, the sum of the amount already paid plus a certain amount not less than the amount obtained by multiplying the amount already paid by the statutory interest rate
五 代金残額の一括支払いに関すること。
(v) matters concerning the lump-sum payment of the remaining amount of the charge
購入者は、賦払金の支払の途中において、契約に係る商品の現金販売価格から支払済金額及び支払済金額に法定利率を乗じた額以上の一定額の合計額を控除した額を現金で支払つた場合には、当該商品の引渡しを受け、契約を結了することができる旨が定められていること。
it is provided that in cases where the purchaser pays in cash, in the middle of paying installments, the amount that remains after deducting, from the selling price in cash of the goods pertaining to the contract, the sum of the amount already paid plus a certain amount not less than the amount obtained by multiplying the amount already paid by the statutory interest rate, the purchaser may receive the delivery of said goods and complete the contract
六 支払完済前の商品引渡しに関すること。
(vi) matters concerning the delivery of goods before the full payment
購入者は、販売者が定める一定の回数以上賦払金を支払つた場合であつて、販売者が定める条件に適合するときは、当該割賦販売契約の内容を変更して商品の引渡しを受けることができる旨及びこの場合において販売者は支払済金額及び支払済金額に法定利率を乗じた額以上の一定額の合計額を変更後の代金の一部に充当する旨が定められていること。
it is provided that in cases where the purchaser has paid installments a certain number of times or more as specified by the seller and meets the requirements specified by the seller, the purchaser may change the details of said Contract for Installment Sales and take delivery of the goods, and that in this case, the seller shall allocate the sum of the amount already paid plus a certain amount not less than the amount obtained by multiplying the amount already paid by the statutory interest rate for a part of the charge after the change to the contract
四 次の事項が記載されていないこと。
(iv) the following matters shall not be indicated:
イ 前払式割賦販売契約約款の再交付をする場合において、その再交付に通常要する費用を超えて手数料を徴収すること。
(a) that in cases where the terms of the contract for prepaid installment sales are reissued, fees exceeding the expenses generally required for the reissuance are collected;
ロ 契約締結後に販売者が消費税及び地方消費税の増額以外の理由により価格の引上げを行うことができること。
(b) that the seller may raise the price after concluding the contract for any reason other than an increase of the consumption tax and the local consumption tax;
ハ 契約締結後に販売者が契約に係る商品を変更することができること。
(c) that the seller may change goods pertaining to the contract after concluding the contract;
ニ 購入者からの契約の解除ができない旨の特約
(d) a special agreement to the effect that the purchaser may not cancel the contract;
ホ 法第二十七条第二項に規定する特約
(e) any special agreements as prescribed in Article 27, paragraph (2) of the Act;
ヘ 当該契約に係る訴の属する裁判所の管轄につき購入者に著しく不利となる特約
(f) a special agreement that is significantly disadvantageous to the purchaser with regard to the jurisdiction of the court that covers actions pertaining to said contract;
ト イからヘまでに掲げるもののほか、法令に違反する特約又は購入者に著しく不利となる特約
(g) in addition to what are listed in (a) to (f), any special agreements that are in violation of laws and regulations or significantly disadvantageous to the purchaser;
五 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ること。
(v) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
(営業保証金の供託の届出)
(Notification of Deposit of Business Security Money)
第十四条 法第十六条第二項(法第十八条第二項及び第二十二条第三項において準用する場合を含む。)の規定による届出は、様式第四による届出書を提出してしなければならない。
Article 14 Notification under Article 16, paragraph (2) of the Act (including cases where applied mutatis mutandis pursuant to Article 18, paragraph (2), and Article 22, paragraph (3) of the Act) shall be made by submitting a written notification prepared in accordance with Form 4.
(営業保証金等に充てることができる有価証券)
(Securities that can be Allocated for Business Security Money, etc.)
第十五条 法第十七条第二項(法第十八条第二項、第十八条の三第五項、第二十二条第三項及び第二十二条の二第三項において準用する場合を含む。)の経済産業省令で定める有価証券は、次の各号に掲げるものとする。
Article 15 Securities specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 17, paragraph (2) of the Act (including cases where applied mutatis mutandis pursuant to Article 18, paragraph (2), Article 18-3, paragraph (5), Article 22, paragraph (3), and Article 22-2, paragraph (3) of the Act) shall be those listed in the following items:
一 金融商品取引法(昭和二十三年法律第二十五号)第二条第一項第一号から第三号までに規定する債券
(i) bonds and debentures as prescribed in Article 2, paragraph (1), items (i) to (iii) of the Financial Instruments and Exchange Act (Act No. 25 of 1948);
二 前号に掲げるもののほか、担保付社債信託法(明治三十八年法律第五十二号)による担保付社債券及び法令により優先弁済を受ける権利を保証されている社債券(自己の社債券及び会社法(平成十七年法律第八十六号)による特別清算開始の命令を受け、特別清算終結の決定の確定がない会社、破産法(平成十六年法律第七十五号)による破産手続開始の決定を受け、破産終結の決定若しくは破産廃止の決定の確定がない会社、民事再生法(平成十一年法律第二百二十五号)による再生手続開始の決定を受け、再生手続終結の決定若しくは再生手続廃止の決定の確定がない会社又は会社更生法(平成十四年法律第百五十四号)による更生手続開始の決定を受け、更生手続終結の決定若しくは更生手続廃止の決定の確定がない会社が発行した社債券を除く。)
(ii) in addition to what are listed in the preceding item, secured debentures under the Secured Debenture Trust Act (Act No. 52 of 1905) and debentures guaranteeing the right to receive preferential payment under laws and regulations (excluding own debentures and debentures issued by a company that has received an order of commencement of special liquidation proceedings under the Companies Act (Act No. 86 of 2005) and for which an order for termination of the special liquidation proceedings has not become final and binding, a company that has received an order of commencement of bankruptcy proceedings under the Bankruptcy Act (Act No. 75 of 2004) and for which an order for termination of the bankruptcy proceedings or an order for discontinuance of the bankruptcy proceedings has not become final and binding, a company that has received an order of commencement of rehabilitation proceedings under the Civil Rehabilitation Act (Act No. 225 of 1999) and for which an order for termination of the rehabilitation proceedings or an order for discontinuance of the rehabilitation proceedings has not become final and binding, or a company that has received an order of commencement of reorganization proceedings under the Corporate Reorganization Act (Act No. 154 of 2002) and for which an order for termination of the reorganization proceedings or an order for discontinuance of the reorganization proceedings has not become final and binding);
三 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)第八十八条に規定する振替国債
(iii) paperless national government bonds as prescribed in Article 88 of the Act on Book-Entry Transfer of Bonds, Shares, etc. (Act No. 75 of 2001).
(営業保証金等に充てることができる有価証券の価額)
(Value of Securities that can be Allocated for Business Security Money, etc.)
第十六条 法第十七条第二項(法第十八条第二項、第十八条の三第五項、第二十二条第三項及び第二十二条の二第三項において準用する場合を含む。)の規定により前条の有価証券を営業保証金又は前受業務保証金に充てる場合における当該有価証券の価額は、次の各号に掲げる有価証券の区分に従い、それぞれ当該各号に掲げる額とする。
Article 16 (1) In cases where the securities set forth in the preceding Article are allocated for business security money or security money for prepaid services pursuant to the provisions of Article 17, paragraph (2) of the Act (including cases where applied mutatis mutandis pursuant to Article 18, paragraph (2), Article 18-3, paragraph (5), Article 22, paragraph (3), and Article 22-2, paragraph (3) of the Act), the value of said securities shall be the amount listed respectively in the following items, in accordance with the category of securities listed in the relevant item:
一 前条第一号又は第三号に掲げる有価証券については、その額面金額の百分の九十五
(i) with regard to the securities listed in item (i) or item (iii) of the preceding Article, 95 percent of the face value;
二 前条第二号に掲げる有価証券については、その額面金額の百分の九十
(ii) with regard to the securities listed in item (ii) of the preceding Article, 90 percent of the face value.
2 割引の方法により発行した債券で供託の日から償還期限までの期間が五年を超えるものについては、前項の規定の適用については、その発行価額に別記算式により算出した額を加えた額を額面金額とみなす。
(2) When applying the provisions of the preceding paragraph to bonds and debentures issued by means of a discount where there are over five years from the day of the deposit to the due date for reimbursement, the amount obtained by adding the amount calculated by the appended formula to their issue price shall be deemed to be their face value.
(前受金保全措置)
(Preservative Measures for Advances Received)
第十七条 法第十八条の四第一項及び第二十二条第二項の規定による届出は、様式第五による届出書を提出してしなければならない。
Article 17 Notification under Article 18-4, paragraph (1), and Article 22, paragraph (2) of the Act shall be made by submitting a written notification prepared in accordance with Form 5.
第十八条 法第十八条の五第三項の承認の申請は、様式第六による申請書を提出してしなければならない。
Article 18 (1) An application for approval as set forth in Article 18-5, paragraph (3) of the Act shall be filed by submitting a written application prepared in accordance with Form 6.
2 法第十八条の五第五項の承認の申請は、様式第七の申請書を提出してしなければならない。
(2) An application for approval as set forth in Article 18-5, paragraph (5) of the Act shall be filed by submitting a written application prepared in accordance with Form 7.
3 前項の申請書には、供託委託契約を解除したことを証する書面を添付しなければならない。
(3) The written application set forth in the preceding paragraph shall be attached with a document certifying that the deposit entrustment contract has been cancelled.
(承継の届出)
(Notification of Succession)
第十九条 法第十八条の六第二項の規定による届出は、様式第八による届出書を提出してしなければならない。
Article 19 (1) Notification under Article 18-6, paragraph (2) of the Act shall be made by submitting a written notification prepared in accordance with Form 8.
2 法第十八条の六第二項の事実を証する書面は、次のとおりとする。
(2) Documents certifying the fact set forth in Article 18-6, paragraph (2) of the Act shall be as follows:
一 登記事項証明書並びに役員の履歴書及び第十二条第二項第四号に規定する書面
(i) a certificate of the registered matters, curricula vitae of officers, and a document as prescribed in Article 12, paragraph (2), item (iv);
二 事業の全部を譲り受けたことによつて許可割賦販売業者の地位を承継した法人にあつては、事業譲渡契約書の写し
(ii) with regard to a corporation that has succeeded to the status of a licensed installment seller by accepting a transfer of all the business, a copy of the business transfer contract.
(変更の届出)
(Notification of Change)
第二十条 法第十九条第一項の規定による届出は、様式第九による届出書を提出してしなければならない。
Article 20 (1) Notification under Article 19, paragraph (1) of the Act shall be made by submitting a written notification prepared in accordance with Form 9.
2 法第十九条第二項の規定による届出は、様式第十による届出書を提出してしなければならない。
(2) Notification under Article 19, paragraph (2) of the Act shall be made by submitting a written notification prepared in accordance with Form 10.
3 法第十九条第四項において準用する法第十二条第二項の経済産業省令で定める書類は、次のとおりとする。
(3) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 12, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 19, paragraph (4) of the Act shall be as follows:
一 法第十九条第一項の規定による届出にあつては、次に掲げるもの
(i) with regard to notification under Article 19, paragraph (1) of the Act, the following documents:
イ その変更に係る事項を証する書類
(a) a document certifying the matters pertaining to the change;
ロ その変更が新たに就任した役員に係るものであるときは、当該役員の履歴書及び第十二条第二項第四号に掲げる書面(法第十五条第一項第八号に係るものに限る。)
(b) when the change pertains to an officer that has newly taken office, the curriculum vitae of said officer, and documents listed in Article 12, paragraph (2), item (iv) (limited to those pertaining to Article 15, paragraph (1), item (viii) of the Act);
ハ その変更が新たに前払式割賦販売に関する代理店を設置したことに係るものであるときは、代理店契約書の写し
(c) when the change pertains to the establishment of a new agency office related to prepaid installment sales, a copy of the agency contract;
二 法第十九条第二項の規定による届出にあつては、変更前及び変更後の前払式割賦販売契約約款
(ii) with regard to a notification under Article 19, paragraph (2) of the Act, the terms of the contract for prepaid installment sales prior to and after the change.
(帳簿の備付け)
(Maintenance of Books)
第二十一条 法第十九条の二の帳簿は、主たる営業所(主たる営業所に備える帳簿に第三項各号に掲げる事項をすべて記載することが困難な場合には、主たる営業所及び従たる営業所であつて経済産業大臣に様式第十一による届出書の提出があつたもの)に備えなければならない。
Article 21 (1) Books as set forth in Article 19-2 of the Act shall be maintained at the principal business office (where it is difficult to indicate all the matters listed in the items of paragraph (3) in books maintained at the principal business office, such books shall be maintained at the principal business office and secondary business offices for which a written notification prepared in accordance with Form 11 has been submitted to the Minister of Economy, Trade and Industry).
2 帳簿は、閉鎖の日から起算して二年間保存しなければならない。
(2) Books shall be preserved for two years from the day of the closing.
3 法第十九条の二の経済産業省令で定める事項は、次のとおりとする。
(3) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 19-2 of the Act shall be as follows:
一 前払式割賦販売の契約を締結した者の氏名及び住所
(i) the name and address of the person that has concluded the contract for prepaid installment sales;
二 契約番号
(ii) the contract number;
三 商品名
(iii) the names of the goods;
四 前払式割賦販売の契約に係る商品の代金の全部又は一部として受領した前受金(以下「予約前受金」という。)の残高
(iv) the balance of advances received that have been received as the whole or a part of the charge for goods pertaining to the contract for prepaid installment sales (hereinafter referred to as "Reservation Advances Received");
五 営業所又は代理店ごとの月末における予約前受金の合計額及び契約件数
(v) the total amount of Reservation Advances Received and the number of contracts at month-end for each business office or agency office.
4 主たる営業所及び第一項に規定する従たる営業所に帳簿を備える場合においては、主たる営業所に備える帳簿には、帳簿を備える営業所ごとの月末における予約前受金の合計額及び契約件数を記載しなければならない。
(4) In cases where books are maintained at the principal business office and the secondary business offices prescribed in paragraph (1), the total amount of Reservation Advances Received and the number of contracts at month-end for each business office where books are maintained shall be indicated in the books maintained at the principal office.
(改善命令に係る収支率等)
(Income and Expenditure Ratio, etc. Pertaining to Order for Improvement)
第二十二条 法第二十条の二第一項第一号の経済産業省令で定める率は、百分の百とする。
Article 22 (1) The ratio specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 20-2, paragraph (1), item (i) of the Act shall be 100 percent.
2 法第二十条の二第一項第二号の経済産業省令で定める率は、百分の九十とする。
(2) The ratio specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 20-2, paragraph (1), item (ii) of the Act shall be 90 percent.
3 法第二十条の二第一項第三号の経済産業省令で定める場合は、次のとおりとする。
(3) The cases specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 20-2, paragraph (1), item (iii) of the Act shall be as follows:
一 資産の合計額から負債の合計額を控除した額が資本金又は出資の額に満たないとき。
(i) when the amount that remains after deducting the total amount of liabilities from the total amount of assets is less than the amount of stated capital or capital contributions;
二 予約前受金の合計額又は負債の合計額が財産の状況に照らし著しく過大であるとき。
(ii) when the total amount of Reservation Advances Received or the total amount of liabilities is significantly excessive in light of the status of the property;
三 前払式割賦販売に係る繰延費用を過大に計上しているときその他経理処理が不健全なとき。
(iii) when costs for deferral pertaining to prepaid installment sales are recorded in an inflated manner or accounting procedures are otherwise unsound;
四 基準日において前受金保全措置により前払式割賦販売の契約によつて生じた債務の弁済に充てることができる額が当該基準日に係る基準額を下回つたとき。
(iv) when the amount that may be allocated for the tender arising from the contract for prepaid installment sales based on preservative measures for advances received, as of the base date, is less than the base amount for said base date;
五 販売員、集金員その他従業員に対する指導監督が十分でないとき。
(v) when the guidance and supervision for salespersons, bill collectors, and other workers is not sufficient;
六 代理店(代理店が法人であるときは、その業務を執行する社員、取締役、執行役その他の法人の代表者)に対する指導が十分でないとき。
(vi) when the guidance for agency offices (when an agency office is a corporation, the guidance for members, directors, executive officers, and other representatives of the corporation that execute the business) is not sufficient;
七 購入者に対して、前払式割賦販売の契約に関する事項であつてその判断に影響を及ぼすこととなる重要なものにつき、事実を告げないとき、又は不実のこと若しくは誤解させるおそれのあることを告げたとき。
(vii) when the licensed installment seller has failed to convey the truth to the purchaser or has conveyed to them false information or information that may cause a misunderstanding with regard to important matters concerning the contract for prepaid installment sales that may affect the judgment of the purchaser;
八 購入者に対して、不利益となるべき事実を告げずに、既に成立している前払式割賦販売の契約を消滅させて新たな前払式割賦販売の契約の申込みをさせ、又は新たな前払式割賦販売の契約の申込みをさせて既に成立している前払式割賦販売の契約を消滅させる行為を行つたとき。
(viii) when the licensed installment seller has failed to convey any disadvantageous facts to the purchaser and has had the purchaser extinguish the existing contract for prepaid installment sales and apply for a new contract for prepaid installment sales, or has had the purchaser apply for a new contract for prepaid installment sales and thereby extinguish the existing contract for prepaid installment sales;
九 前払式割賦販売契約約款に記載されている義務を履行しないとき。
(ix) when the obligations stated in the terms of the contract for prepaid installment sales have not been performed;
十 前払式割賦販売契約約款の内容が第十三条の基準に適合しないとき。
(x) when the details of the terms of the contract for prepaid installment sales do not comply with the criteria set forth in Article 13.
(収益の額等の計算)
(Calculation of the Amount of Revenues, etc.)
第二十三条 法第二十条の二第二項に規定する収益の額は、純売上高(役務収益を含む。)の額及び営業外収益の額を合計して計算するものとする。この場合において、割賦販売に係る未実現利益を貸借対照表の負債の部に計上している許可割賦販売業者については、その未実現利益の当該事業年度における増加額は、収益の額から控除し、減少額は、収益の額に算入するものとする。
Article 23 (1) The amount of revenues prescribed in Article 20-2, paragraph (2) of the Act shall be calculated by totaling net sales (including service revenues) and non-operating revenues. In this case, regarding a licensed installment seller that records unrealized profits on installment sales in the liabilities section on the balance sheet, any increase in said unrealized profits on installment sales for the relevant business year shall be deducted from the amount of revenues and any decrease shall be included in the amount of revenues.
2 法第二十条の二第二項に規定する費用の額は、売上原価(役務原価を含む。)の額、販売費及び一般管理費の額並びに営業外費用の額を合計して計算するものとする。
(2) The amount of expenses prescribed in Article 20-2, paragraph (2) of the Act shall be calculated by totaling the cost of sales (including service costs), selling expenses, general administration expenses, and non-operating expenses.
3 前二項の場合において、前期損益修正その他通常の営業活動以外の原因により発生した特別の利益又は損失の額は、収益又は費用の額に算入しないものとする。
(3) In the cases referred to in the preceding two paragraphs, the amount of special profits or losses arising from prior-period adjustments or from sources other than regular business activities shall not be included in the amount of revenues or expenses.
4 法第二十条の二第二項に規定する流動資産の合計額は、次の各号に掲げる資産の額を合計して計算するものとする。
(4) The total amount of current assets prescribed in Article 20-2, paragraph (2) of the Act shall be calculated by totaling the following:
一 現金
(i) cash;
二 預金
(ii) deposits;
三 受取手形
(iii) notes receivable;
四 売掛金
(iv) accounts receivable;
五 有価証券(投資有価証券を除く。)
(v) securities (excluding investment securities);
六 投資有価証券(第十五条第一号及び第二号に掲げるもの(同条第一号に掲げるものにあつては金融商品取引法第二条第一項第三号に規定する債券に限る。)並びに証券投資信託及び貸付信託の受益証券に限る。)
(vi) investment securities (limited to those listed in Article 15, item (i) and item (ii) (regarding those listed in item (i) of said Article, limited to debentures as prescribed in Article 2, paragraph (1), item (iii) of the Financial Instruments and Exchange Act), and beneficiary securities of securities investment trusts and loan trusts);
七 商品
(vii) goods;
八 製品
(viii) finished goods;
九 半製品
(ix) semi-finished goods;
十 原材料
(x) raw materials;
十一 仕掛品
(xi) work in process;
十二 貯蔵品
(xii) supplies;
十三 前渡金
(xiii) advance payments;
十四 前払費用(一年以内に償却されて費用となるべきものに限る。)
(xiv) prepaid expenses (limited to those to be redeemed and become expenses within one year);
十五 短期貸付金
(xv) short-term loans;
十六 立替金
(xvi) advances paid;
十七 未収入金
(xvii) accounts receivable;
十八 未収収益
(xviii) accrued income;
十九 前払式割賦販売に係る繰延費用
(xix) costs for deferral pertaining to prepaid installment sales;
二十 法第十六条第一項及び第十八条第一項並びに第二十二条第一項の規定により供託された営業保証金
(xx) business security money deposited pursuant to the provisions of Article 16, paragraph (1) and Article 18, paragraph (1), and Article 22, paragraph (1) of the Act;
二十一 法第十八条の三第一項及び第二十二条第二項の規定により前受金保全措置として供託された前受業務保証金
(xxi) security money for prepaid services deposited as a preservative measures for advances received pursuant to the provisions of Article 18-3, paragraph (1) and Article 22, paragraph (2) of the Act;
二十二 前各号に掲げるもの以外の資産(一年以内に現金化できると認められるものに限る。)
(xxii) assets other than those listed in the preceding items (limited to those that are deemed to be encashed within one year).
5 法第二十条の二第二項に規定する流動負債の合計額は、次の各号に掲げる負債を合計して計算するものとする。
(5) The total amount of current liabilities prescribed in Article 20-2, paragraph (2) of the Act shall be calculated by totaling the following:
一 支払手形
(i) notes payable;
二 買掛金
(ii) accounts payable;
三 短期借入金
(iii) short-term loans payable;
四 未払金
(iv) accounts payable;
五 未払費用
(v) accrued expenses;
六 前受金
(vi) advance received;
七 預り金
(vii) deposits received;
八 前受収益
(viii) unearned revenue;
九 未払法人税等
(ix) accrued income tax, etc.;
十 前各号に掲げるもの以外の負債(一年以内に支払い又は返済されると認められるものに限る。)
(x) liabilities other than those listed in the preceding items (limited to those that are deemed to be paid or repaid within one year).
6 第四項又は前項に規定する資産又は負債の額は、その計算をしようとする日(以下「計算日」という。)における帳簿価額(第四項第三号、第四号、第十五号及び第十七号に掲げる資産については貸倒引当金を控除した額。以下同じ。)により計算するものとする。ただし、資産にあつては、その帳簿価額が当該資産を計算日において評価した額を超えるとき、負債にあつては、その帳簿価額が当該負債を計算日において評価した額を下回るときは、その評価した額により計算するものとする。
(6) The amount of assets or liabilities prescribed in paragraph (4) or the preceding paragraph shall be calculated based on the book value (regarding assets listed in paragraph (4), item (iii), item (iv), item (xv), and item (xvii), based on the amount that remains after deducting allowances for doubtful accounts; the same shall apply hereinafter) as of the day on which said amount is to be calculated (hereinafter referred to as the "Calculation Day"); provided, however, that when the book value of the assets exceeds the amount of the assets assessed as of the Calculation Day or the book value of the liabilities is below the amount of the liabilities assessed as of the Calculation Day, the calculation shall be based on said assessed amount.
(供託委託契約の受託者が供託した前受業務保証金の取戻し)
(Recovery of Security Money for Prepaid Services Deposited by an Entrusted Person under a Deposit Entrustment Contract)
第二十四条 法第二十条の四第二項の承認の申請は、様式第十二による申請書を提出してしなければならない。
Article 24 An application for approval as set forth in Article 20-4, paragraph (2) of the Act shall be filed by submitting a written application prepared in accordance with Form 12.
(処分の公示)
(Public Notice of Disposition)
第二十五条 法第二十四条(法第二十六条において準用する場合を含む。)の規定による公示は、官報に掲載してするものとする。
Article 25 A public notice under Article 24 of the Act (including cases where applied mutatis mutandis pursuant to Article 26 of the Act) shall be given by publishing it in an official gazette.
(廃止の届出)
(Notification of Abolishment)
第二十六条 法第二十六条第一項の規定による届出は、様式第十三による届出書を提出してしなければならない。
Article 26 Notification under Article 26, paragraph (1) of the Act shall be made by submitting a written notification prepared in accordance with Form 13.
第二章 ローン提携販売
Chapter II Loan Affiliated Installment Sales
(ローン提携販売条件の表示の方法)
(Method for Indication of the Terms and Conditions of Loan Affiliated Installment Sales)
第二十七条 法第二十九条の二第一項各号の事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 27 (1) When a loan affiliated installment seller delivers a document containing the matters set forth in the items of Article 29-2, paragraph (1) of the Act, it shall follow the rules specified in the following items:
一 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the following table shall be used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights or the value of the services upon the delivery of goods or the transfer of rights or upon the conclusion of the contract to offer services
返済総額
total amount of the repayment
ローン提携販売の方法により商品若しくは権利を販売し、又は役務を提供する場合の価格(保証料その他の手数料を含む。)及びローン提携販売に係る借入金の利息の合計額
the sum of the price in the case of selling goods or rights or offering services by the loan affiliated installment sales method (including guarantee commission and other fees) plus interest on loans pertaining to the loan affiliated installment sales
頭金
initial deposit
ローン提携販売の方法により指定商品若しくは指定権利を販売する契約又は指定役務を提供する契約(以下「ローン提携販売の契約」という。)の締結に際し購入者等がローン提携販売業者に支払う金額
the amount of money that the Purchaser, etc. pays to the loan affiliated installment seller upon the conclusion of the contract to sell designated goods or designated rights or to offer designated services by the loan affiliated installment sales method (hereinafter referred to as the "Contract for Loan Affiliated Installment Sales")
申込金
application fee
購入者等がローン提携販売の契約の予約を目的としてローン提携販売業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the loan affiliated installment seller for the purpose of making a reservation for the Contract for Loan Affiliated Installment Sales and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
返還期間
period of return of loans
ローン提携販売の契約が締結された時から当該契約に基づく分割返済金の返済が完了するまでの期間
the period from the time when the Contract for Loan Affiliated Installment Sales is concluded to the time when the payment of installment payments based on said contract is completed
返済期間
period of repayment
返還回数
number of return of loans
ローン提携販売に係る借入金を返還する回数
the number of times to return the loans pertaining to the loan affiliated installment sales
返済回数
number of repayments
融資手数料
loan handling commission
借入金の利息、保証料、信用調査費、事務管理費その他何らの名義をもつてするを問わずローン提携販売に係る手数料としてローン提携販売業者(購入者等の債務の保証について、ローン提携販売業者から委託を受けて保証を行う者を含む。)又は融資を行う者(購入者等がローン提携販売の方法により指定商品若しくは指定権利を購入し、又は指定役務の提供を受ける場合において、支払総額の全部又は一部に充てるための借入金の借入れを行う相手方をいう。)が購入者等に対し支払わせるものの総額(登記等手数料をローン提携販売に係る手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the loan affiliated installment seller (including the person who guarantees the obligations of the Purchaser, etc., entrusted by the loan affiliated installment seller) or the person who provides loans (meaning the counterparty from whom the Purchaser, etc. obtains loans to be allocated for the whole or a part of the total amount of the payment when purchasing designated goods or designated rights or receiving the offering of designated services by the loan affiliated installment sales method) requests the Purchaser, etc. to pay as the fee for loan affiliated installment sales, whatever their names, such as interest on loans, guarantee commission, credit check expenses, administrative expenses, and the like (when it is clearly stated that the Fee for Registration, etc. shall not be included in the fee for loan affiliated installment sales, the amount that remains after deducting the Fee for Registration, etc.)
実質年率
annualized rate in real terms
次項の規定により算定したローン提携販売に係る手数料の料率
the rate of the fee for loan affiliated installment sales calculated as prescribed in the following paragraph
分割返済金
installment payments
ローン提携販売に係る各回ごとの借入金の返還分(利息の支払分を含む。)
the amount of each installment payment of the loans pertaining to loan affiliated installment sales (including the amount of interest payment)
分割返済額
the amount of installment payments
二 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ること。
(ii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第二十九条の二第一項第二号の事項は、次項に規定する方法により算定した融資手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in Article 29-2, paragraph (1), item (ii) of the Act shall be indicated as the rate of the loan handling commission calculated as prescribed in the following paragraph, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
2 法第二十九条の二第一項第二号の経済産業省令で定める方法は、別表第一第一号に定める方法とする。ただし、分割返済金の返済の方法が、返済の間隔については第一号に、額については第二号に該当する場合以外の場合にあつては、同表第二号に定める方法とすることができる。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 29-2, paragraph (1), item (ii) of the Act shall be the method specified in row (i) of appended table 1; provided, however, that said method may be the method specified in row (ii) of said table in cases where the interval of repaying installment payments is other than those specified in item (i) and the amount of the repayments is other than those specified in item (ii):
一 分割返済金の返済の間隔が次のいずれかに該当する場合
(i) where the interval of repaying installment payments falls under either of the following:
イ 返済期間における分割返済金の返済が月一回であり、かつ、等間隔である場合
(a) where the repayment of installment payments during the period of repayment is to be made once every month at regular intervals;
ロ イに掲げる場合を除き、契約の締結された日から第一回の分割返済金の返済日の前日までの期間が二月未満であつて、第一回の分割返済金の返済日から返済期間の終了の日までの返済が月一回であり、かつ、等間隔である場合
(b) except in cases listed in (a), where it is less than two months from the day of concluding the contract to the day preceding the day of repaying the first installment payment, and where, from the day of repaying the first installment payment to the final day of the period of repayment, the repayment of installment payments is to be made once every month at regular intervals;
二 分割返済金の額が次のいずれかに該当する場合
(ii) where the amount of installment payments falls under any of the following:
イ 分割返済金の額が均等である場合
(a) where installment payments are of the same amount;
ロ 任意の一回の分割返済金を除く他の分割返済金の額が均等であり、当該均等な分割返済金の額と異なる一回の分割返済金の額が他の均等な分割返済金の額の一・五倍に相当する額以下の額である場合
(b) where installment payments except for any one installment payment are of the same amount and said one different installment payment is of an amount not more than 150 percent of that of other equal installment payments;
ハ 返済期間のうちに六月、七月、八月、十二月若しくは一月が含まれている場合(返済期間が一年未満の場合に限る。)であつて、返済期間において当該六月、七月、八月、十二月若しくは一月のうちの一の月のみにおける分割返済金(以下「特定月の分割返済金」という。)以外の分割返済金についてイ若しくはロに該当しており、かつ、特定月の分割返済金の額が他の分割返済金の額を超えている場合又は返済期間のうちに六月、七月若しくは八月と十二月若しくは一月が含まれている場合であつて、返済期間において当該六月、七月若しくは八月のうちの一の月と十二月若しくは一月のうちの一の月の分割返済金(以下「特定の二月の分割返済金」という。)以外の分割返済金についてイ若しくはロに該当しており、かつ、特定の二月の分割返済金の額が同額で他の分割返済金の額を超えている場合
(c) where the period of repayment includes any of June, July, August, December, or January (limited to the cases where the period of repayment is less than one year), and any of the installment payments for the period of repayment except for an installment payment for any of said June, July, August, December, or January (hereinafter referred to as the "Installment Payment for the Specified Month") falls under (a) or (b) and the amount of the Installment Payment for the Specified Month exceeds that of the other installment payments; or where the period of repayment includes any of June, July, or August, and either of December or January, and any of the installment payments for the period of repayment except for an installment payment for any of said June, July or August, and an installment payment for either of said December or January (hereinafter referred to as the "Installment Payments for the Specified Two Months") falls under (a) or (b) and the Installment Payments for the Specified Two Months are of the same amount and exceed the amount of the other installment payments.
3 法第二十九条の二第一項第三号の経済産業省令で定める事項は、次のとおりとする。
(3) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 29-2, paragraph (1), item (iii) of the Act shall be as follows:
一 支払総額の具体的算定例
(i) a concrete example of the calculation of the total amount of the payment;
二 極度額(ローン提携販売の方法により指定商品若しくは指定権利を購入し、又は指定役務を受領することができる額の上限であつて、あらかじめ定められたものをいう。次条第三項第二号において同じ。)について定めがあるときは、その金額
(ii) when there is an agreement on the credit line (meaning a maximum amount for purchasing designated goods or designated rights or for receiving designated services by the loan affiliated installment sales method that is specified in advance; the same shall apply in paragraph (3), item (ii) of the following Article), said amount;
三 前号に定めるもののほか、カード等の利用に関する特約があるときは、その内容
(iii) in addition to what is provided for in the preceding item, when there are any special agreements concerning the use of a card, etc., the details thereof.
第二十八条 法第二十九条の二第二項各号の事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 28 (1) When a loan affiliated installment seller delivers a document containing the matters set forth in the items of Article 29-2, paragraph (2) of the Act, it shall follow the rules specified in the following items:
一 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the following table shall be used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in cases where the full amount of the charge for the goods or rights or the value of the services is received on delivery of the goods or transfer of rights or upon the conclusion of the contract to offer the service
頭金
initial deposit
ローン提携販売の契約の締結に際し購入者等がローン提携販売業者に支払う金額
the amount of money that the Purchaser, etc. pays to the loan affiliated installment seller upon the conclusion of the Contract for Loan Affiliated Installment Sales
申込金
initial deposit
購入者等がローン提携販売の契約の予約を目的としてローン提携販売業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the loan affiliated installment seller for the purpose of making a reservation for the Contract for Loan Affiliated Installment Sales and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
融資手数料
loan handling commission
借入金の利息、保証料、信用調査費、事務管理費その他何らの名義をもつてするを問わずローン提携販売に係る手数料としてローン提携販売業者(購入者等の債務の保証について、ローン提携販売業者から委託を受けて保証を行う者を含む。)又は融資を行う者(購入者等がローン提携販売の方法により指定商品若しくは指定権利を購入し、又は指定役務の提供を受ける場合において、支払総額の全部又は一部に充てるための借入金の借入れを行う相手方をいう。)が購入者等に対し支払わせるものの総額(登記等手数料をローン提携販売に係る手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the loan affiliated installment seller (including the person who guarantees the obligations of the Purchaser, etc., entrusted by the loan affiliated installment seller) or the person who provides loans (meaning the counterparty from whom the Purchaser, etc. obtains loans to be allocated for the whole or a part of the total amount of the payment when purchasing designated goods or designated rights or receiving the offering of designated services by the loan affiliated installment sales method) requests the Purchaser, etc. to pay as the fee for loan affiliated installment sales, whatever their names, such as interest on loans, guarantee commission, credit check expenses, administrative expenses, and the like (when it is clearly stated that the Fee for Registration, etc. shall not be included in the fee for loan affiliated installment sales, the amount that remains after deducting the Fee for Registration, etc.)
実質年率
annualized rate in real terms
次項の規定により算定したローン提携販売に係る手数料の料率
the rate of the fee for loan affiliated installment sales calculated as prescribed in the following paragraph
弁済金
tender
ローン提携販売に係る各回ごとの借入金の返還分(利息の支払分を含む。)
the amount of each installment payment of the loans pertaining to loan affiliated installment sales (including the amount of the interest payment)
二 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ること。
(ii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第二十九条の二第二項第二号の事項は、次項に規定する方法により算定した融資手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in Article 29-2, paragraph (2), item (ii) of the Act shall be indicated as the rate of the loan handling commission calculated as prescribed in the following paragraph, on an annual rate basis, down to at least to three decimal places, and no other rates shall be indicated.
2 法第二十九条の二第二項第二号の経済産業省令で定める方法は、別表第一第三号に定める方法とする。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 29-2, paragraph (2), item (ii) of the Act shall be the method specified in row (iii) of appended table 1.
3 法第二十九条の二第二項第三号の経済産業省令で定める事項は、次のとおりとする。
(3) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 29-2, paragraph (2), item (iii) of the Act shall be as follows:
一 弁済金の額の具体的算定例
(i) a concrete example of the calculation of the amount of a tender;
二 極度額について定めがあるときは、その金額
(ii) when there is an agreement on the credit line, said amount;
三 前号に定めるもののほか、カード等の利用に関する特約があるときは、その内容
(iii) in addition to what is provided for in the preceding item, when there are any special agreements concerning the use of a card, etc., the details thereof.
第二十九条 法第二十九条の二第三項の規定により、同条第一項又は第二項のローン提携販売の方法により指定商品若しくは指定権利を販売する場合の販売条件又は指定役務を提供する場合の提供条件について広告をするときは、それぞれ同条第一項各号又は第二項各号の事項について次の各号に定めるところにより表示しなければならない。
Article 29 When a loan affiliated installment seller advertises, pursuant to the provisions of Article 29-2, paragraph (3) of the Act, the conditions for the sale in cases of selling designated goods or designated rights or for the provision in cases of providing designated services, by the loan affiliated installment sales method prescribed in paragraph (1) or paragraph (2) of said Article, the seller shall indicate the relevant matters set forth respectively in the items of paragraph (1) or the items of paragraph (2) of said Article as specified in the following items:
一 法第二十九条の二第一項各号又は第二項各号の事項について、それぞれ第二十七条第一項第一号又は前条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) with regard to the matters set forth in the items of paragraph (1) or the items of paragraph (2) of Article 29-2 of the Act, the terms listed respectively in the left-hand column of the relevant table of Article 27, paragraph (1), item (i), or paragraph (1), item (i) of the preceding Article shall be used, with the meanings as defined respectively in the right-hand column of said relevant table;
二 書面により広告を行う場合にあつては、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ること。
(ii) where the advertisement is made in writing, letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第二十九条の二第一項第二号又は第二項第二号の事項は、それぞれ第二十七条第二項又は前条第二項に規定する方法により算定した融資手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in paragraph (1), item (ii), or paragraph (2), item (ii) of Article 29-2 of the Act shall be indicated as the rate of the loan handling commission calculated as prescribed respectively in Article 27, paragraph (2), or paragraph (2) of the preceding Article, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
(書面の交付等)
(Delivery of Documents, etc.)
第三十条 法第二十九条の三第一項第七号の経済産業省令で定める事項は、次のとおりとする。ただし、法第二十九条の二第一項のローン提携販売の方法により指定商品を販売する契約であつて、当該契約に係る指定商品の種類が二以上あるものを締結した場合においては、第三号から第五号までに掲げる事項(現金販売価格が三千円に満たない指定商品(当該契約に係る指定商品のうち現金販売価格が最も高額であるものを除く。)に係るものに限る。)を記載しないことができる。
Article 30 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 29-3, paragraph (1), item (vii) of the Act shall be as follows; provided, however, that the matters listed in items (iii) to (v) may be omitted where a loan affiliated installment seller has concluded a contract to sell designated goods by the loan affiliated installment sales method set forth in Article 29-2, paragraph (1) of the Act to which two or more types of designated goods pertain (such matters that may be omitted shall be limited to those pertaining to the types of designated goods whose selling price in cash is less than 3,000 yen (excluding a type of designated goods whose selling price in cash is the highest of all the designated goods pertaining to said contract)):
一 ローン提携販売業者の名称及び住所又は電話番号
(i) the name and address or telephone number of the loan affiliated installment seller;
二 契約年月日
(ii) the date of the contract;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び機種又は型式(権利又は役務の場合にあつては、当該権利又は当該役務の種類)
(iv) the trademark, manufacturer, unit type, or model of the goods (in the case of rights or services, the type of said rights or said services);
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which the rights can be exercised or the services can be received under the contract);
六 返還回数
(vi) the number of repayments;
七 ローン提携販売の契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(vii) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Loan Affiliated Installment Sales;
八 ローン提供業者に対する抗弁に関する事項
(viii) the matters concerning any defense against the loan affiliated installment seller;
九 役務の提供が指定商品又は指定権利の販売の条件となつているときは、当該役務の内容、提供時期その他当該役務に関する事項
(ix) when the provision of services is one of the conditions for the sale of designated goods or designated rights, the details of said services, the timing of their provision, and any other matters concerning said services;
十 商品の販売が指定権利の販売又は指定役務の提供の条件となつているときは、当該商品の内容、引渡し時期その他当該商品に関する事項
(x) when the sale of goods is one of the conditions for the sale of designated rights or the provision of designated services, the details of said goods, the delivery time, and any other matters concerning said goods;
十一 権利の販売が指定商品の販売又は指定役務の提供の条件となつているときは、当該権利の内容、移転時期その他当該権利に関する事項
(xi) when the sale of rights is one of the conditions for the sale of designated goods or the provision of designated services, the details of said rights, the timing of their transfer, and any other matters concerning said rights;
十二 商品に隠れた瑕疵がある場合の責任についての定めがあるときは、その内容
(xii) when there is an agreement on the liability in cases where the goods have any hidden defect, the details thereof;
十三 前各号に掲げるもののほか特約があるときは、その内容
(xiii) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof;
十四 ローン提携販売の契約が連鎖販売個人契約又は業務提供誘引販売個人契約であるときは、その旨
(xiv) when the Contract for Loan Affiliated Installment Sales is a personal multilevel marketing contract or a personal business opportunity related sales contract, to that effect.
第三十一条 法第二十九条の三第一項の規定により同項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 31 When a loan affiliated installment seller delivers, pursuant to the provisions of Article 29-3, paragraph (1) of the Act, a document containing the matters listed in the items of said paragraph, it shall follow the rules specified in the following items:
一 第二十七条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 27, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 法第二十九条の三第一項第五号に掲げる事項については、その内容が次の基準に合致していること。
(ii) with regard to the matters listed in Article 29-3, paragraph (1), item (v) of the Act, the details thereof must be in accordance with the following criteria:
イ 購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. may not cancel the contract;
ロ ローン提携販売の契約の締結の前にローン提携販売業者が見本、カタログ等により購入者等に対し提示した当該契約の内容と当該購入者等が受領した商品若しくは権利又は提供を受ける役務が相違している場合には、購入者等は、当該契約の解除をすることができる旨が定められていること。
(b) it is provided that if the details of said contract presented by the loan affiliated installment seller by way of using samples, catalogues, and the like, prior to the conclusion of the Contract for Loan Affiliated Installment Sales, differ from the goods or rights received or the services to be received by the Purchaser, etc., said Purchaser, etc. may cancel said contract;
ハ ローン提携販売業者の責に帰すべき事由により契約が解除された場合におけるローン提携販売業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(c) with regard to the obligation of the loan affiliated installment seller in cases where the contract has been cancelled due to a cause imputable to the loan affiliated installment seller, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code;
三 前条第八号に掲げる事項については、その内容に、指定商品若しくは指定権利の販売につきそれを販売したローン提携販売業者又は指定役務の提供につきそれを提供するローン提携販売業者に対して生じている事由をもつて、分割返済金の返済の請求をするローン提供業者に対抗できる旨が定められていること。
(iii) it shall be provided that with regard to the matters listed in item (viii) of the preceding Article, the grounds arising regarding the details thereof for the loan affiliated installment seller that has sold designated goods or designated rights or is to provide designated services may be asserted against the loan affiliated installment seller that demands the repayment of installment payments;
四 法第二十九条の三第一項第六号並びに前条第十二号及び第十三号に掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(iv) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in Article 29-3, paragraph (1), item (vi) of the Act and item (xii) and item (xiii) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 所有権の移転に関する事項
(i) matters concerning the transfer of ownership
イ 商品の所有権の移転の時期が明示されていること。
(a) the time for the transfer of ownership of goods is clearly indicated
ロ 商品の所有権の移転前においては、購入者は、当該商品を担保に供し、譲渡し、又は転売することができない旨が定められていること。
(b) it is provided that the purchaser may not pledge the goods as collateral, or transfer or resell the goods, prior to the transfer of ownership of said goods
二 商品に隠れた瑕疵がある場合の責任に関する事項
(ii) matters concerning the liability in cases where the goods have any hidden defect
商品に隠れた瑕疵(道路運送車両法の規定による臨時運行以外の運行の用に供された旨が明示されている自動車に係る瑕疵であつて、当該運行の用に供されたことにより通常生ずるものを除く。)がある場合にローン提携販売業者が当該瑕疵について責任を負わない旨が定められていないこと。
it is not provided that in cases where the goods have any hidden defect (excluding any defect in automobiles where it is clear that they have been used for a purpose other than for temporary special service under the Road Vehicles Act and where such defect is generally caused by such usage), the loan affiliated installment seller assumes no liability for said defect
三 法第二十九条の三第一項第六号及び前条第十二号に掲げるもの以外の特約
(iii) special agreements other than those listed in Article 29-3, paragraph (1), item (vi) of the Act and item (xii) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
五 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ること。
(v) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
第三十二条 法第二十九条の三第二項第六号の経済産業省令で定める事項は、次のとおりとする。ただし、ローン提携販売の契約であつて当該契約に係る指定商品の種類が二以上あるものを締結した場合においては、第三号から第五号までに掲げる事項(現金販売価格が三千円に満たない指定商品(当該契約に係る指定商品のうち現金販売価格が最も高額であるものを除く。)に係るものに限る。)を記載しないことができる。
Article 32 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 29-3, paragraph (2), item (vi) of the Act shall be as follows; provided, however, that the matters listed in items (iii) to (v) may be omitted where a loan affiliated installment seller has concluded a Contract for Loan Affiliated Installment Sales to which two or more types of designated goods pertain (such matters that may be omitted shall be limited to those pertaining to the types of designated goods whose selling price in cash is less than 3,000 yen (excluding a type of designated goods whose selling price in cash is the highest of all the designated goods pertaining to said contract)):
一 ローン提携販売業者の名称及び住所又は電話番号
(i) the name and address or telephone number of the loan affiliated installment seller;
二 契約年月日
(ii) the date of the contract;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び機種又は型式(権利又は役務の場合にあつては、当該権利又は当該役務の種類)
(iv) the trademark, manufacturer, unit type, or model of the goods (in the case of rights or services, the type of said rights or said services);
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which the rights can be exercised or the services can be received under the contract);
六 ローン提携販売の契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(vi) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Loan Affiliated Installment Sales;
七 ローン提供業者に対する抗弁に関する事項
(vii) the matters concerning any defense against the loan affiliated installment seller;
八 役務の提供が指定商品又は指定権利の販売の条件となつているときは、当該役務の内容、提供時期その他当該役務に関する事項
(viii) when the provision of services is one of the conditions for the sale of designated goods or designated rights, the details of said services, the timing of their provision, and any other matters concerning said services;
九 商品の販売が指定権利の販売又は指定役務の提供の条件となつているときは、当該商品の内容、引渡し時期その他当該商品に関する事項
(ix) when the sale of goods is one of the conditions for the sale of designated rights or the provision of designated services, the details of said goods, the delivery time, and any other matters concerning said goods;
十 権利の販売が指定商品の販売又は指定役務の提供の条件となつているときは、当該権利の内容、移転時期その他当該権利に関する事項
(x) when the sale of rights is one of the conditions for the sale of designated goods or the provision of designated services, the details of said rights, the timing of their transfer, and any other matters concerning said rights;
十一 商品に隠れた瑕疵がある場合の責任についての定めがあるときは、その内容
(xi) when there is an agreement on the liability in cases where the goods have any hidden defect, the details thereof;
十二 前各号に掲げるもののほか特約があるときは、その内容
(xii) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof;
十三 ローン提携販売の契約が連鎖販売個人契約又は業務提供誘引販売個人契約であるときは、その旨
(xiii) when the Contract for Loan Affiliated Installment Sales is a personal multilevel marketing contract or a personal business opportunity related sales contract, to that effect.
第三十三条 法第二十九条の三第二項の規定により同項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 33 When a loan affiliated installment seller delivers, pursuant to the provisions of Article 29-3, paragraph (2) of the Act, a document containing the matters listed in the items of said paragraph, it shall follow the rules specified in the following items:
一 第二十八条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 28, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 法第二十九条の三第二項第四号に掲げる事項については、その内容が次の基準に合致していること。
(ii) with regard to the matters listed in Article 29-3, paragraph (2), item (iv) of the Act, the details thereof must be in accordance with the following criteria:
イ 購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. cannot cancel the contract;
ロ ローン提携販売の契約の締結の前にローン提携販売業者が見本、カタログ等により購入者等に対し提示した当該契約の内容と当該購入者等が受領した商品若しくは権利又は提供を受ける役務が相違している場合には、購入者等は、当該契約の解除をすることができる旨が定められていること。
(b) it is provided that if the details of said contract presented by the loan affiliated installment seller by way of using samples, catalogues, and the like, prior to the conclusion of the Contract for Loan Affiliated Installment Sales, differ from the goods or rights received or the services to be received by the Purchaser, etc., said Purchaser, etc. may cancel said contract;
ハ ローン提携販売業者の責に帰すべき事由により契約が解除された場合におけるローン提携販売業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(c) with regard to the obligation of the loan affiliated installment seller in cases where the contract has been cancelled due to a cause imputable to the loan affiliated installment seller, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code;
三 前条第七号に掲げる事項については、その内容に、指定商品若しくは指定権利の販売につきそれを販売したローン提携販売業者又は指定役務の提供につきそれを提供するローン提携販売業者に対して生じている事由をもつて、弁済金の返済の請求をするローン提供業者に対抗できる旨が定められていること。
(iii) it shall be provided that with regard to the matters listed in item (vii) of the preceding Article, the grounds arising regarding the details thereof for the loan affiliated installment seller that has sold designated goods or designated rights or is to provide designated services may be asserted against the loan affiliated installment seller that demands the repayment of tenders;
四 法第二十九条の三第二項第五号、前条第十一号及び第十二号に掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(iv) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in Article 29-3, paragraph (2), item (v) of the Act, and item (xi) and item (xii) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 所有権の移転に関する事項
(i) matters concerning the transfer of ownership
イ 商品の所有権の移転の時期が明示されていること。
(a) the time for the transfer of ownership of goods is clearly indicated
ロ 商品の所有権の移転前においては、購入者は、当該商品を担保に供し、譲渡し、又は転売することができない旨が定められていること。
(b) it is provided that the purchaser may not pledge the goods as collateral, or transfer or resell the goods, prior to the transfer of ownership of said goods
二 商品に隠れた瑕疵がある場合の責任に関する事項
(ii) matters concerning the liability in cases where the goods have any hidden defect
商品に隠れた瑕疵(道路運送車両法の規定による臨時運行以外の運行の用に供された旨が明示されている自動車に係る瑕疵であつて、当該運行の用に供されたことにより通常生ずるものを除く。)がある場合にローン提携販売業者が当該瑕疵について責任を負わない旨が定められていないこと。
it is not provided that in cases where the goods have any hidden defect (excluding any defect in automobiles where it is clear that they have been used for a purpose other than for temporary special service under the Road Vehicles Act and where such defect is generally caused by such usage), the loan affiliated installment seller assumes no liability for said defect
三 法第二十九条の三第二項第五号及び前条第十一号に掲げるもの以外の特約
(iii) special agreements other than those listed in Article 29-3, paragraph (2), item (v) of the Act and item (xi) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
五 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ること。
(v) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
(情報通信の技術を利用する方法)
(Means of Using Information and Communications Technology)
第三十四条 法第二十九条の四第一項において読み替えて準用する法第四条の二の経済産業省令で定める方法は、次に掲げる方法とする。
Article 34 (1) The means specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 4-2 of the Act as applied mutatis mutandis pursuant to Article 29-4, paragraph (1) of the Act shall be the following:
一 電子情報処理組織を使用する方法のうちイ又はロに掲げるもの
(i) means of using an electronic data processing system as listed in (a) or (b):
イ ローン提携販売業者の使用に係る電子計算機と利用者又は購入者等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、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
(a) means of sending a document through a telecommunication line connecting the computer used by the loan affiliated installment seller and the computer used by the user or the Purchaser, etc., and recording it in a file on the computer used by the recipient;
ロ ローン提携販売業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書面に記載すべき事項を電気通信回線を通じて利用者又は購入者等の閲覧に供し、当該利用者又は購入者等の使用に係る電子計算機に備えられたファイルに当該事項を記録する方法(法第二十九条の四第一項において読み替えて準用する法第四条の二前段に規定する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あつては、ローン提携販売業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)
(b) means of providing the user or Purchaser, etc. with the matters to be indicated in a document which are recorded in a file on the computer used by the loan affiliated installment seller for inspection through a telecommunication line, and recording said matters in a file on the computer used by said user or Purchaser, etc. (in the case of consenting or refusing to accept the provision of matters through the means prescribed in the first sentence of Article 4-2 of the Act as applied mutatis mutandis pursuant to Article 29-4, paragraph (1) of the Act, means of recording to that effect in a file on the computer used by the loan affiliated installment seller);
二 磁気ディスク、シー・ディー・ロムその他これらに準ずる方法により一定の事項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書面に記載すべき事項を記録したものを交付する方法
(ii) means of delivering a file, prepared in the form of a magnetic disk, CD-ROM, or any other equivalent means that may reliably store certain matters, which contains the matters to be indicated in a document.
2 前項に掲げる方法は、利用者又は購入者等がファイルへの記録を出力することによる書面を作成できるものでなければならない。
(2) The means listed in the preceding paragraph shall be the one that allows the user or the Purchaser, etc. to prepare a document by outputting the contents recorded in the file.
3 第一項第一号の「電子情報処理組織」とは、ローン提携販売業者の使用に係る電子計算機と、利用者又は購入者等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 "electronic data processing system" set forth in paragraph (1), item (i) shall mean the electronic data processing system that connects the computer used by the loan affiliated installment seller and the computer used by the user or the Purchaser, etc. through a telecommunication line.
第三十五条 令第十七条において読み替えて準用する令第二条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 35 The type and details of the means to be indicated pursuant to the provisions of Article 2 of the Order as applied mutatis mutandis pursuant to Article 17 of the Order by replacing the terms shall be the following matters:
一 前条第一項に規定する方法のうちローン提携販売業者が使用するもの
(i) the means prescribed in paragraph (1) of the preceding Article that is used by the loan affiliated installment seller;
二 ファイルへの記録の方式
(ii) the method of recording in the file.
第三章 信用購入あつせん
Chapter III Intermediation of Credit Purchases
第一節 包括信用購入あつせん
Section 1 Intermediation of Comprehensive Credit Purchases
第一款 業務
Subsection 1 Business
(包括信用購入あつせんの取引条件の表示の方法)
(Method for Indication of the Conditions for the Intermediation of Comprehensive Credit Purchases)
第三十六条 法第三十条第一項各号の事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 36 (1) When a comprehensive credit purchase intermediary delivers a document containing the matters set forth in the items of Article 30, paragraph (1) of the Act, it shall follow the rules specified in the following items:
一 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the following table are used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights or the value of the services upon the delivery of goods or the transfer of rights or upon the conclusion of the contract to offer services
支払総額
total amount of the payment
購入した商品若しくは権利の現金販売価格又は提供を受ける役務の現金提供価格及び包括信用購入あつせんの手数料の合計額
the sum of the selling price in cash of the goods or rights purchased or the offering price in cash of the services to be received plus fees for the intermediation of comprehensive credit purchases
頭金
initial deposit
包括信用購入あつせんに係る販売の方法により商品若しくは指定権利を販売する契約又は包括信用購入あつせんに係る提供の方法により役務を提供する契約(以下「包括信用購入あつせん関係販売等契約」という。)の締結に際し購入者等が包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者に支払う金額
the amount of money that the Purchaser, etc. pays to the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases upon the conclusion of the contract to sell goods or designated rights by the method of sales pertaining to the intermediation of comprehensive credit purchases or to offer services by the method of offering pertaining to the intermediation of comprehensive credit purchases (hereinafter referred to as the "Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases")
申込金
application fee
購入者等が包括信用購入あつせん関係販売等契約の予約を目的として包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases for the purpose of making a reservation for the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
支払期間
period of payment
包括信用購入あつせん関係受領契約が締結された時から当該契約に基づく支払分の支払が完了する時までの期間
the period from the time when the contract for contract for receiving the intermediation of comprehensive credit purchases is concluded to the time when the payments based on said contract are completed
支払回数
number of payments
包括信用購入あつせんに係る頭金を除いた商品若しくは権利の代金又は役務の対価の支払回数
the number of payments of the charge for the goods or rights or the value of the services, excluding the initial deposit for the intermediation of comprehensive credit purchases
分割回数
number of installments
包括信用購入あつせんの手数料
fee for the intermediation of comprehensive credit purchases
金利、信用調査費、集金費、事務管理費、貸倒補てん費その他何らの名義をもつてするを問わず包括信用購入あつせんに係る手数料として包括信用購入あつせん業者が購入者等に対し支払わせるものの総額(登記等手数料を包括信用購入あつせんの手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the comprehensive credit purchase intermediary requests the Purchaser, etc. to pay as the fee for the intermediation of comprehensive credit purchases, whatever their names, such as interest, credit check expenses, collection expenses, administrative expenses, bad debt expenses, and the like (when it is clearly stated that any Fee for Registration, etc. shall not be included in the fee for the intermediation of comprehensive credit purchases, the amount that remains after deducting the Fee for Registration, etc.)
分割払手数料
fee for installment payments
実質年率
annualized rate in real terms
次項の規定により算定した包括信用購入あつせんの手数料の料率
the rate of the fee for the intermediation of comprehensive credit purchases calculated as prescribed in the following paragraph
支払分
payments
包括信用購入あつせんに係る各回ごとの商品若しくは権利の代金又は役務の対価(包括信用購入あつせんの手数料を含む。)の支払金額
the amount of each installment payment of the charge for the goods or rights or the value of the services pertaining to the intermediation of comprehensive credit purchases (including the fee for the intermediation of comprehensive credit purchases)
分割支払額
the amount of installment payments
分割支払金
installment payments
二 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ること。
(ii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第三十条第一項第二号の事項は、次項に規定する方法により算定した包括信用購入あつせんの手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in Article 30, paragraph (1), item (ii) of the Act shall be indicated as the rate of the fee for the intermediation of comprehensive credit purchases calculated as prescribed in the following paragraph, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
2 法第三十条第一項第二号の経済産業省令で定める方法は、別表第一第一号に定める方法とする。ただし、支払分の支払の方法が、支払の間隔については第一号に、額については第二号に該当する場合以外の場合にあつては、同表第二号に定める方法とすることができる。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30, paragraph (1), item (ii) of the Act shall be the method specified in row (i) of appended table 1; provided, however, that said method may be the method specified in row (ii) of said table in cases where the interval of making payments is other than those specified in item (i), and the amount of the payments is other than those specified in item (ii):
一 支払分の支払の間隔が次のいずれかに該当する場合
(i) where the interval of making payments falls under either of the following:
イ 支払期間における支払分の支払が月一回であり、かつ、等間隔である場合
(a) where payment during the period of payment is to be made once every month at regular intervals;
ロ イに掲げる場合を除き、包括信用購入あつせん関係受領契約の締結された日から第一回の支払分の支払日の前日までの期間が二月未満であつて、第一回の支払分の支払日から支払期間の終了の日までの支払が月一回であり、かつ、等間隔である場合
(b) except in cases listed in (a), where it is less than two months from the day of concluding the contract for receiving the intermediation of comprehensive credit purchases to the day preceding the day of the first payment, and where, during the period from the day of the first payment to the final day of the period of payment, payment is to be made once every month at regular intervals;
二 支払分の額が次のいずれかに該当する場合
(ii) where the amount of the payments falls under any of the following:
イ 支払分の額が均等である場合
(a) where payments are of the same amount;
ロ 任意の一回の支払分を除く他の支払分の額が均等であり、当該均等な支払分の額と異なる一回の支払分の額が他の均等な支払分の額の一・五倍に相当する額以下の額である場合
(b) where payments except for any particular payment are of the same amount and said one different payment is of an amount of not more than 150 percent of that of other equal payments;
ハ 支払期間のうちに六月、七月、八月、十二月若しくは一月が含まれている場合(支払期間が一年未満の場合に限る。)であつて、支払期間において当該六月、七月、八月、十二月若しくは一月のうちの一の月のみにおける支払分(以下「特定月の支払分」という。)以外の支払分についてイ若しくはロに該当しており、かつ、特定月の支払分の額が他の支払分の額を超えている場合又は支払期間のうちに六月、七月若しくは八月と十二月若しくは一月が含まれている場合であつて、支払期間において当該六月、七月若しくは八月のうちの一の月と十二月若しくは一月のうちの一の月の支払分(以下「特定の二月の支払分」という。)以外の支払分についてイ若しくはロに該当しており、かつ、特定の二月の支払分の額が同額で他の支払分の額を超えている場合
(c) where the period of payment includes any of June, July, August, December, or January (limited to the cases where the period of payment is less than one year), and any of the payments for the period of payment except for a payment for any of said June, July, August, December, or January (hereinafter referred to as the "Payment for the Specified Month") falls under (a) or (b) and the amount of the Payment for the Specified Month exceeds that of the other payments; or where the period of payment includes any of June, July, or August, and either of December or January, and any of the payments for the period of payment except for a payment for any of said June, July or August, and a payment for either of said December or January (hereinafter referred to as the "Payments for the Specified Two Months") falls under (a) or (b) and the Payments for the Specified Two Months are of the same amount and exceed the amount of the other payments.
3 法第三十条第一項第三号の経済産業省令で定める事項は、次のとおりとする。
(3) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30, paragraph (1), item (iii) of the Act shall be as follows:
一 支払総額の具体的算定例
(i) a concrete example of the calculation of the total amount of the payment;
二 極度額について定めがあるときは、その金額
(ii) when there is an agreement on the credit line, said amount;
三 前号に定めるもののほか、カード等の利用に関する特約があるときは、その内容
(iii) in addition to what is provided for in the preceding item, when there are any special agreements concerning the use of a card, etc., the details thereof.
第三十七条 法第三十条第二項各号の事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 37 (1) When a comprehensive credit purchase intermediary delivers a document containing the matters set forth in the items of Article 30, paragraph (2) of the Act, it shall follow the rules specified in the following items:
一 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the following table shall be used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights or the value of the services upon the delivery of goods or the transfer of rights or upon the conclusion of the contract to offer services
頭金
initial deposit
包括信用購入あつせん関係販売等契約の締結に際し購入者等が包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者に支払う金額
the amount of money that the Purchaser, etc. pays to the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases upon the conclusion of the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases
申込金
application fee
購入者等が包括信用購入あつせん関係販売等契約の予約を目的として包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases for the purpose of making a reservation for the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
包括信用購入あつせんの手数料
fee for the intermediation of comprehensive credit purchases
金利、信用調査費、集金費、事務管理費、貸倒補てん費その他何らの名義をもつてするを問わず包括信用購入あつせんに係る手数料として包括信用購入あつせん業者が購入者等に対し支払わせるものの総額(登記等手数料を包括信用購入あつせんの手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the comprehensive credit purchase intermediary requests the Purchaser, etc. to pay as the fee for the intermediation of comprehensive credit purchases, whatever their names, such as interest, credit check expenses, collection expenses, administrative expenses, bad debt expenses, and the like (when it is clearly stated that any Fee for Registration, etc. shall not be included in the fee for the intermediation of comprehensive credit purchases, the amount that remains after deducting the Fee for Registration, etc.)
実質年率
annualized rate in real terms
次項の規定により算定した包括信用購入あつせんの手数料の料率
the rate of the fee for the intermediation of comprehensive credit purchases calculated as prescribed in the following paragraph
弁済金
tender
包括信用購入あつせんに係る各回ごとの商品若しくは権利の代金又は役務の対価(包括信用購入あつせんの手数料を含む。)の支払金額
the amount of each installment payment of the charge for the goods or rights or the value of the services pertaining to the intermediation of comprehensive credit purchases (including the fee for the intermediation of comprehensive credit purchases)
二 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ること。
(ii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第三十条第二項第二号の事項は、次項に規定する方法により算定した包括信用購入あつせんの手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in Article 30, paragraph (2), item (ii) of the Act shall be indicated as the rate of the fee for installment sales calculated as prescribed in the following paragraph, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
2 法第三十条第二項第二号の経済産業省令で定める方法は、別表第一第三号に定める方法とする。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30, paragraph (2), item (ii) of the Act shall be the method specified in row (iii) of appended table 1.
3 法第三十条第二項第三号の経済産業省令で定める事項は、次のとおりとする。
(3) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30, paragraph (2), item (iii) of the Act shall be as follows:
一 弁済金の額の具体的算定例
(i) a concrete example of the calculation of the amount of a tender;
二 極度額について定めがあるときは、その金額
(ii) when there is an agreement on the credit line, said amount;
三 前号に定めるもののほか、カード等の利用に関する特約があるときは、その内容
(iii) in addition to what is provided for in the preceding item, when there are any special agreements concerning the use of a card, etc., the details thereof.
第三十八条 法第三十条第三項の規定により、包括信用購入あつせんをする場合の取引条件について広告するときは、同条第一項各号又は第二項各号の事項について次の各号に定めるところにより表示しなければならない。
Article 38 When a comprehensive credit purchase intermediary advertises, pursuant to the provisions of Article 30, paragraph (3) of the Act, the transaction conditions for the intermediation of comprehensive credit purchases, it shall indicate the relevant matters set forth respectively in the items of paragraph (1), or the items of paragraph (2) of said Article as specified in the following items:
一 法第三十条第一項各号又は第二項各号の事項について、それぞれ第三十六条第一項第一号又は第三十七条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) with regard to the matters set forth in the items of paragraph (1), or the items of paragraph (2) of Article 30 of the Act, the terms listed respectively in the left-hand column of the relevant table of Article 36, paragraph (1), item (i), or Article 37, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said relevant table;
二 書面により広告を行う場合にあつては、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ること。
(ii) where the advertisement is made in writing, letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第三十条第一項第二号又は第二項第二号の事項は、それぞれ第三十六条第二項又は第三十七条第二項に規定する方法により算定した包括信用購入あつせんの手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in paragraph (1), item (ii), or paragraph (2), item (ii) of Article 30 of the Act shall be indicated as the rate of the fee for the intermediation of comprehensive credit purchases calculated as prescribed respectively in Article 36, paragraph (2), or Article 37, paragraph (2), on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
(包括支払可能見込額の調査等)
(Investigation into the Projected Comprehensive Acceptable Amount)
第三十九条 法第三十条の二第一項本文の経済産業省令で定める事項は、次のとおりとする。
Article 39 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in the main clause of Article 30-2, paragraph (1) of the Act shall be as follows:
一 年収
(i) the annual income;
二 預貯金
(ii) the balance of deposits or savings;
三 信用購入あつせんに係る債務の支払の状況
(iii) the payment status with regard to obligations pertaining to the intermediation of credit purchases;
四 借入れの状況
(iv) the loan status;
五 前各号に掲げるもののほか、包括支払可能見込額の算定に影響を与える事項であつて客観的に判断することができるもの
(v) in addition to what are listed in the preceding items, any other matters affecting the calculation of the projected comprehensive acceptable amount that can be judged objectively.
第四十条 法第三十条の二第一項本文の規定により前条各号に掲げる事項を調査する場合であつて、包括信用購入あつせんをするためカード等を利用者(個人である利用者に限る。以下この条から第四十八条まで、第五十六条から第五十八条まで、第三節及び別表第二において同じ。)に交付し又は付与しようとするときは、次項から第六項までに定めるところによる。
Article 40 (1) In cases where a comprehensive credit purchase intermediary investigates the matters listed in the items of the preceding Article, pursuant to the provisions of the main clause of Article 30-2, paragraph (1) of the Act, and when it intends to deliver or grant a card, etc. to a user (limited to a user that is an individual; hereinafter the same shall apply in this Article through to Article 48, Articles 56 to 58, Section 3, and appended table 2), it shall follow the rules specified in the following paragraph to paragraph (6).
2 前条第一号に掲げる事項の調査については、利用者から受ける年収の申告(申告を受けることができない場合にあつては、当該利用者から申告を受けた年齢、勤務先等の情報による年収の合理的な推定)によらなければならない。ただし、包括信用購入あつせんをするためカード等を次に掲げる者に交付し又は付与しようとする場合(第二号に掲げる者に交付し又は付与しようとする場合にあつては事前に書面その他の適切な方法により同号に規定する親族の同意を得たとき、第三号に掲げる者に交付し又は付与しようとする場合にあつては事前に書面その他の適切な方法により当該者の配偶者の同意を得たときに限る。)には、次の各号に定めるところによることができる。
(2) An investigation into the matters listed in item (i) of the preceding Article shall be based on a report of annual income by a user (when such report cannot be obtained, based on a presumption of annual income made rationally by information received from the user such as the age of the user or the user's employer); provided, however, that in cases where a comprehensive credit purchase intermediary intends to deliver or grant a card, etc. to any person listed as follows in order for the intermediation of comprehensive credit purchases (limited to cases where prior consent has been obtained in writing or by any other appropriate means from a relative as prescribed in item (ii) when intending to deliver or grant a card, etc. to a person as listed in said item or from the spouse when intending to deliver or grant a card, etc. to a person as listed in item (iii)), it may follow the rules specified in the following items:
一 主として配偶者の収入により生計を維持している者であつて、年収が百三万円以下であるもの(以下「特定配偶者」という。) 当該特定配偶者から受けるその配偶者の年収の申告(申告を受けることができない場合にあつては、当該特定配偶者から申告を受けたその配偶者の年齢、勤務先等の情報による年収の合理的な推定)により、当該特定配偶者及びその配偶者の年収を合算して算定すること。
(i) a person who makes a living mainly by depending on the income of their spouse and whose annual income is not more than 1,030,000 yen (hereinafter referred to as a "Dependent Spouse"): making a calculation, based on a report by said Dependent Spouse concerning the annual income of their spouse (when such report by said Dependent Spouse cannot be obtained, based on a presumption of their spouse's annual income made rationally by information received from the Dependent Spouse such as the age of their spouse or their spouse's employer), by totaling the annual income of said Dependent Spouse and that of their spouse;
二 二親等内の親族(配偶者を除く。以下この条、第四十五条及び第七十二条において同じ。)の収入により生計を維持している者 当該親族から受ける当該親族の年収の申告(申告を受けることができない場合にあつては、当該親族から申告を受けた当該親族の年齢、勤務先等の情報による年収の合理的な推定)により、当該者及び当該親族の年収を合算して算定すること。
(ii) a person who makes a living by depending on the income of a relative within the second degree of kinship (excluding their spouse; hereinafter the same shall apply in this Article, Article 45, and Article 72): making a calculation, based on a report by said relative concerning said relative's own annual income (when such report cannot be obtained, based on a presumption of the relative's annual income made rationally by information such as the age of the relative as of the time of obtaining a report by the relative or the relative's place of employment), by totaling the annual income of said person and that of said relative;
三 その収入及びその配偶者の収入により生計を維持している者(特定配偶者を除く。以下この条、第四十五条及び第七十二条において同じ。) 当該配偶者から受ける当該配偶者の年収の申告(申告を受けることができない場合にあつては、当該配偶者から申告を受けた当該配偶者の年齢、勤務先等の情報による年収の合理的な推定)により、当該者及び当該配偶者の年収を合算して算定すること。
(iii) a person who makes a living from their own income and the income of their spouse (excluding a Dependent Spouse; hereinafter the same shall apply in this Article, Article 45, and Article 72): making a calculation, based on a report by said spouse concerning the spouse's own annual income (when such report cannot be obtained, based on a presumption of the spouse's annual income made rationally by information such as the age of the spouse as of the time of obtaining a report by the spouse or the spouse's place of employment), by totaling the annual income of said person and that of their spouse.
3 前条第二号に掲げる事項の調査については、利用者の利益の保護を図るため必要があると認める場合には、当該利用者から受ける預貯金の申告によらなければならない。ただし、包括信用購入あつせんをするためカード等を次に掲げる者に交付し又は付与しようとする場合(第二号に掲げる者に交付し又は付与しようとする場合にあつては事前に書面その他の適切な方法により同号に規定する親族の同意を得たとき、第三号に掲げる者に交付し又は付与しようとする場合にあつては事前に書面その他の適切な方法により当該者の配偶者の同意を得たときに限る。)には、次の各号に定めるところによることができる。
(3) When it is deemed to be necessary for protecting the interests of a user, an investigation into the matters listed in item (ii) of the preceding Article shall be based on a report of the balance of deposits or savings received from the user; provided, however, that in cases where a comprehensive credit purchase intermediary intends to deliver or grant a card, etc. to any person listed as follows in order for the intermediation of comprehensive credit purchases (limited to cases where prior consent has been obtained in writing or by any other appropriate means from a relative as prescribed in item (ii) when intending to deliver or grant a card, etc. to a person as listed in said item or from the spouse when intending to deliver or grant a card, etc. to a person as listed in item (iii)), it may follow the rules specified in the following items:
一 特定配偶者 当該特定配偶者の利益の保護を図るため必要があると認める場合には、当該特定配偶者から受けるその配偶者の預貯金の申告により、当該特定配偶者及びその配偶者の預貯金を合算して算定すること。
(i) a Dependent Spouse: when it is deemed to be necessary for protecting the interests of said Dependent Spouse, making a calculation, based on a report by said Dependent Spouse concerning their spouse's balance of deposits or savings, by totaling the balance of deposits or savings of said Dependent Spouse and that of their spouse;
二 二親等内の親族の収入により生計を維持している者 当該者の利益の保護を図るため必要があると認める場合には、当該親族から受ける当該親族の預貯金の申告により、当該者及び当該親族の預貯金を合算して算定すること。
(ii) a person who makes a living by depending on the income of a relative within the second degree of kinship: when it is deemed to be necessary for protecting the interests of said person, making a calculation, based on a report by said relative concerning said relative's own balance of deposits or savings, by totaling the balance of deposits or savings of said person and that of said relative;
三 その収入及びその配偶者の収入により生計を維持している者 当該者の利益の保護を図るため必要があると認める場合には、当該配偶者から受ける当該配偶者の預貯金の申告により、当該者及び当該配偶者の預貯金を合算して算定すること。
(iii) a person who makes a living from their own income and the income of their spouse: when it is deemed to be necessary for protecting the interests of said person, making a calculation, based on a report by the spouse concerning the spouse's own balance of deposits or savings, by totaling the balance of deposits or savings of said person and that of their spouse.
4 前条第三号に掲げる事項の調査については、利用者の当該包括信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して行わなければならない。ただし、包括信用購入あつせんをするためカード等を次に掲げる者に交付し又は付与しようとする場合であつて、前二項の規定により、特定配偶者及びその配偶者の年収若しくは預貯金を合算して算定するとき、二親等内の親族の収入により生計を維持している者及び当該親族の年収若しくは預貯金を合算して算定するとき又はその収入及びその配偶者の収入により生計を維持している者並びに当該配偶者の年収若しくは預貯金を合算して算定するときは、次の各号に定めるところによらなければならない。
(4) An investigation into the matters listed in item (iii) of the preceding Article shall be carried out by confirming a user's payment status with regard to obligations pertaining to the intermediation of credit purchases to said comprehensive credit purchase intermediary; provided, however, that in cases where a comprehensive credit purchase intermediary intends to deliver or grant a card, etc. to any person listed as follows for the intermediation of comprehensive credit purchases, and when it makes a calculation by totaling the annual income or the balance of deposits or savings of a Dependent Spouse and the annual income or the balance of deposits or savings of their spouse, when it makes a calculation by totaling the annual income or the balance of deposits or savings of a person who makes a living by depending on the income of a relative within the second degree of kinship and the annual income or the balance of deposits or savings of said relative, or when it makes a calculation by totaling the annual income or the balance of deposits or savings of a person who makes a living from their own income and the income of their spouse and the annual income or the balance of deposits or savings of said spouse, pursuant to the provisions of the preceding two paragraphs, the comprehensive credit purchase intermediary shall follow the rules specified in the following items:
一 特定配偶者 当該特定配偶者から受けるその配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法により、当該特定配偶者及びその配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定すること。
(i) a Dependent Spouse: making a calculation by totaling the obligation pertaining to the intermediation of credit purchases of said Dependent Spouse and their spouse which has not yet become due or for which the payment obligations have not been performed, based on a report by said Dependent Spouse concerning their spouse's obligation pertaining to the intermediation of credit purchases which has not yet become due or for which the payment obligations have not been performed, or by any other appropriate means;
二 二親等内の親族の収入により生計を維持している者 当該親族から受ける当該親族の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法により、当該者及び当該親族の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定すること。
(ii) a person who makes a living by depending on the income of a relative within the second degree of kinship: making a calculation by totaling the obligation pertaining to the intermediation of credit purchases of said person and said relative which has not yet become due or for which the payment obligations have not been performed, based on a report by said relative concerning said relative's own obligation pertaining to the intermediation of credit purchases which has not yet become due or for which the payment obligations have not been performed, or by any other appropriate means;
三 その収入及びその配偶者の収入により生計を維持している者 当該配偶者から受ける当該配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法により、当該者及び当該配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定すること。
(iii) a person who makes a living from their own income and the income of their spouse: making a calculation by totaling the obligation pertaining to the intermediation of credit purchases of said person and their spouse which has not yet become due or for which the payment obligations have not been performed, based on a report by said spouse concerning the spouse's own obligation pertaining to the intermediation of credit purchases which has not yet become due or for which the payment obligations have not been performed, or by any other appropriate means.
5 前条第四号に掲げる事項の調査については、利用者の当該包括信用購入あつせん業者からの借入れの状況その他の当該利用者の借入れの状況を勘案して行わなければならない。
(5) An investigation into the matters listed in item (iv) of the preceding Article shall be carried out by taking into consideration a user's loan status from said comprehensive credit purchase intermediary and any other loan status of the user.
6 前条第五号に掲げる事項の調査については、利用者から受ける当該事項の申告その他の適切な方法により行わなければならない。
(6) An investigation into the matters listed in item (v) of the preceding Article shall be carried out based on a report received from the user concerning said matters or by any other appropriate means.
第四十一条 法第三十条の二第一項本文の規定により第三十九条各号に掲げる事項を調査する場合であつて、包括信用購入あつせんをするため、利用者に交付し又は付与しているカード等についてそれに係る有効期間(包括信用購入あつせんに係る購入又は受領の方法により商品若しくは権利を購入し、又は役務を受領することができる期間であつて、あらかじめ定められたものをいう。以下この条、第四十三条第一項第五号、同条第二項及び第四十七条の二において同じ。)を更新するためにカード等を当該利用者に交付し又は付与しようとするとき(当該利用者に交付し又は付与しているカード等に付随するカード等(以下「付随カード等」という。)についてそれに係る有効期間を更新するために付随カード等を当該利用者に交付し又は付与しようとするときを除く。)は、前条第二項から第四項まで及び第六項の申告を受けた事項等(変更があつたと認めるときは、その変更後のもの)及び当該利用者の当該包括信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して、並びに当該利用者の借入れの状況を勘案して行わなければならない。
Article 41 (1) In cases where a comprehensive credit purchase intermediary investigates the matters listed in the items of Article 39, pursuant to the provisions of the main clause of Article 30-2, paragraph (1) of the Act, and intends to deliver or grant a card, etc. to a user for the purpose of renewing the effective period for a card, etc. already delivered or granted to the user for the intermediation of comprehensive credit purchases (the effective period shall mean the period during which goods or rights can be purchased or services can be received by the method of purchase or receipt pertaining to the intermediation of comprehensive credit purchases, which is specified in advance; hereinafter the same shall apply in this Article, Article 43, paragraph (1), item (v), Article 43, paragraph (2) and Article 47-2) (excluding cases where the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. associated with a card, etc. already delivered or granted to the user (hereinafter referred to as an "Associated Card, etc.") for the purpose of renewing the effective period for the Associated Card, etc.), the comprehensive credit purchase intermediary shall confirm the matters reported under paragraphs (2) to (4) and paragraph (6) of the preceding Article (when it is deemed that there has been any change to such matters, the matters after the change) and the user's payment status with regard to obligations pertaining to the intermediation of credit purchases to said comprehensive credit purchase intermediary, and shall take into account the user's loan status.
2 前項の調査は、当該有効期間を更新しようとする日の六月前からその更新の日までの間に、一回行えば足りるものとする。
(2) It shall be sufficient to carry out the investigation set forth in the preceding paragraph once during the period between six months prior to the day on which the comprehensive credit purchase intermediary intends to renew said effective period up to the day of the renewal.
第四十二条 法第三十条の二第一項本文の規定により第三十九条各号に掲げる事項を調査する場合であつて、利用者に交付し又は付与したカード等についてそれに係る極度額を増額しようとするときは、第四十条第二項から第四項まで及び第六項の申告を受けた事項等(変更があつたと認めるときは、その変更後のもの)及び当該利用者の当該包括信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して、並びに当該利用者の借入れの状況を勘案して行わなければならない。
Article 42 In cases where a comprehensive credit purchase intermediary investigates the matters listed in the items of Article 39, pursuant to the provisions of the main clause of Article 30-2, paragraph (1) of the Act, and intends to increase the credit line pertaining to a card, etc. already delivered or granted to a user, the comprehensive credit purchase intermediary shall confirm the matters reported under paragraphs (2) to (4) and paragraph (6) of Article 40 (when it is deemed that there has been any change to such matters, the matters after the change) and the user's payment status with regard to obligations pertaining to the intermediation of credit purchases to said comprehensive credit purchase intermediary, and shall take into account the user's loan status.
第四十三条 法第三十条の二第一項ただし書の経済産業省令で定める場合は、次に掲げる場合とする。
Article 43 (1) The cases specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in the proviso to Article 30-2, paragraph (1) of the Act shall be the cases listed as follows:
一 包括信用購入あつせんをするため極度額が三十万円以下のカード等を利用者に交付し若しくは付与しようとする場合又は利用者に交付し若しくは付与したカード等についてそれに係る極度額を三十万円を上限として増額しようとする場合(これらのうち、第四十一条又は第四十二条の場合に該当する場合を含み、次のいずれかに該当する場合を除く。)
(i) cases where the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. with a credit line of not more than 300,000 yen to a user for the intermediation of comprehensive credit purchases, or intends to increase the credit line pertaining to a card, etc. already delivered or granted to a user up to the limit of 300,000 yen (including cases that fall under Article 41 or Article 42 and excluding cases that fall under any of the following):
イ 指定信用情報機関が保有する特定信用情報を使用することにより、当該カード等を当該利用者に交付し若しくは付与しようとする時点又は当該カード等についてそれに係る極度額を増額しようとする時点において、当該利用者の支払の義務が履行されないと認めるとき。
(a) when it is deemed, by using the specified credit information held by the designated credit information institution, that the user's payment obligations will not be performed as of the time when the comprehensive credit purchase intermediary intends to deliver or grant said card, etc. to the user or intends to increase the credit line pertaining to said card, etc.;
ロ 指定信用情報機関が保有する特定信用情報を使用することにより、当該利用者の当該包括信用購入あつせん業者に対する包括信用購入あつせんに係る債務の額が五十万円を、又は支払時期の到来していない若しくは支払の義務が履行されていない包括信用購入あつせんに係る債務の額が百万円を超えると認めるとき。
(b) when it is deemed, by using the specified credit information held by the designated credit information institution, that the amount of the user's obligation pertaining to the intermediation of comprehensive credit purchases to said comprehensive credit purchase intermediary exceeds 500,000 yen or the amount of the user's obligation pertaining to the intermediation of comprehensive credit purchases which has not yet become due or for which the payment obligations have not been performed exceeds 1,000,000 yen;
二 利用者に交付し又は付与したカード等についてそれに係る極度額を当該利用者の求めに応じ一時的に増額しようとする場合であつて、当該利用者が当該カード等を提示し又は通知して、包括信用購入あつせん関係販売業者から商品若しくは権利を購入し、又は包括信用購入あつせん関係役務提供事業者から役務の提供を受ける目的及び当該包括信用購入あつせん関係販売業者若しくは当該包括信用購入あつせん関係役務提供事業者の名称又はこれに相当するものをあらかじめ確認した場合において、次のいずれかに該当するとき。
(ii) cases where the comprehensive credit purchase intermediary intends to increase the credit line pertaining to a card, etc. already delivered or granted to a user temporarily in response to a request from the user, and has confirmed, in advance, the purpose for which the user purchases goods or rights from the seller for the intermediation of comprehensive credit purchases or receives services from the service provider for the intermediation of comprehensive credit purchases upon the presentation of said card, etc. or card details, and the name or any equivalent information of the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases, and when falling under any of the following:
イ 極度額を一時的に増額しようとする期間が三月以内の場合であつて、当該増額された後の極度額が法第三十条の二第一項本文の規定による調査により得られた事項を基礎として算定した包括支払可能見込額に法第三十条の二の二本文の経済産業大臣が定める割合を乗じて得た額(正当な理由があつて法第三十条の二第一項本文の規定による調査を行つていない場合は、当該カード等に係る極度額(現に当該カード等についてそれに係る極度額を利用者の求めに応じ一時的に増額している場合にあつては、一時的に増額する前の極度額))の二倍に相当する額を超えない場合において、当該増額された後の極度額が当該目的に照らして相当であると認めるとき。
(a) cases where the period during which the credit line is temporarily increased is not more three months and the increased credit line does not exceed twice the amount obtained by multiplying the projected comprehensive acceptable amount calculated, based on the information obtained through an investigation under the main clause of Article 30-2, paragraph (1) of the Act, by the rate specified by the Minister of Economy, Trade, and Industry set forth in the main clause of Article 30-2-2 of the Act (in cases where an investigation under the main clause of Article 30-2, paragraph (1) of the Act has not been carried out for any justifiable grounds, twice the credit line pertaining to said card, etc. (in cases where the credit line pertaining to said card, etc. has already been increased temporarily in response to the request from the user, the credit line prior to the temporary increase)), and when the increased credit line is deemed to be reasonable in light of said purpose;
ロ 当該利用者が臨時的かつ短期的な収入を得る見込みがあると認められる場合であつて、当該増額された後の極度額が当該収入に照らして相当であると認めるとき。
(b) cases where the user is deemed to be likely to earn temporary short-term income, and when the increased credit line is deemed to be reasonable in light of said income;
ハ 当該利用者が当該カード等を提示し又は通知して、包括信用購入あつせん関係販売業者から当該利用者若しくは当該利用者の親族で当該利用者と生計を一にする者の生命若しくは身体を保護するため緊急に必要があると認められる商品若しくは権利を購入し、又は包括信用購入あつせん関係役務提供事業者から当該利用者若しくは当該利用者の親族で当該利用者と生計を一にする者の生命若しくは身体を保護するため緊急に必要があると認められる役務の提供を受ける場合であつて、当該増額された後の極度額が当該目的に照らして相当であると認めるとき。
(c) cases where the user purchases goods or rights, which are deemed to be urgently necessary to protect the life or body of the user or any of their relatives who has the same livelihood as the user, from the seller for the intermediation of comprehensive credit purchases, or is provided with services, which are deemed to be urgently necessary to protect the life or body of the user or their relative who has the same livelihood as the user, from the service provider for the intermediation of comprehensive credit purchases, upon the presentation of said card, etc. or card details, and when the increased credit line is deemed to be reasonable in light of said purpose;
三 第四十一条の場合(同条の場合であつて、第一号の規定により、包括信用購入あつせんをするため極度額が三十万円以下のカード等を利用者に交付し又は付与しようとするときを含む。)であつて、利用者の当該包括信用購入あつせん業者に対する包括信用購入あつせんに係る債務の額が五万円に満たないとき。
(iii) cases set forth in Article 41 (including cases set forth in said Article where the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. with a credit line of not more than 300,000 yen to a user for the intermediation of comprehensive credit purchases), and when the user's obligation pertaining to the intermediation of comprehensive credit purchases to said comprehensive credit purchase intermediary is less than 50,000 yen;
四 包括信用購入あつせん業者が、法第三十条の二第一項本文の規定による調査により得られた事項を基礎として算定した包括支払可能見込額に法第三十条の二の二本文の経済産業大臣が定める割合を乗じて得た額(正当な理由があつて法第三十条の二第一項本文の規定による調査を行つていない場合は、利用者に交付し又は付与したカード等に係る極度額)の範囲内で、付随カード等を利用者に交付し若しくは付与しようとする場合又は当該付随カード等についてそれに係る極度額を増額しようとする場合
(iv) cases where the comprehensive credit purchase intermediary intends to deliver or grant an Associated Card, etc. to a user within an amount obtained by multiplying the projected comprehensive acceptable amount calculated, based on the information obtained through an investigation under the main clause of Article 30-2, paragraph (1) of the Act, by the rate specified by the Minister of Economy, Trade, and Industry set forth in the main clause of Article 30-2-2 of the Act (in cases where an investigation under the main clause of Article 30-2, paragraph (1) of the Act has not been carried out on any justifiable grounds, within the credit line pertaining to a card, etc. already delivered or granted to the user), or intends to increase the credit line pertaining to said Associated Card, etc.;
五 第一号、第三号又は前号に掲げるもののほか、包括信用購入あつせん業者が、カード等を利用者に交付し又は付与した時から当該カード等についてそれに係る有効期間の満了の日までに、当該カード等に代えてカード等を利用者に交付し又は付与しようとする場合(カード等についてそれに係る有効期間を更新しようとする場合を除く。)
(v) in addition to what are listed in item (i), item (iii), or the preceding item, cases where the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. to a user in lieu of a card already delivered or granted, during the period from the time when the comprehensive credit purchase intermediary delivered or granted said card, etc. up to the day of the expiration of the effective period for said card, etc. (excluding cases where the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc.).
2 包括信用購入あつせん業者は、前項各号に掲げる場合には、次の各号に掲げる場合の区分に応じ、利用者ごとに、当該各号に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等(付随カード等を含む。)についてそれに係る有効期間(第一号に掲げる場合(カード等についてそれに係る有効期間を更新しようとする場合を除く。)には更新された後の有効期間を含み、第一号に掲げる場合(カード等についてそれに係る有効期間を更新しようとする場合に限る。)又は第二号、第三号、第四号若しくは第五号に掲げる場合には更新された後の有効期間を除く。)の満了の日又は当該有効期間内に締結したすべての包括信用購入あつせん関係受領契約(当該カード等(付随カード等を含む。)に係るものに限る。)に定められた最終の支払期日のうち最後のもの(これらの契約に基づく包括信用購入あつせんに係る債務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 comprehensive credit purchase intermediary shall, in the cases listed in the items of the preceding paragraph, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, in writing or as electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period for a card, etc. (including an Associated Card, etc.) (such effective period shall include the effective period after the renewal in the cases listed in item (i) (excluding cases where the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc.) and shall exclude the effective period after the renewal in the cases listed in item (i) (limited to cases where the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc.), item (ii), item (iii), item (iv), or item (v)), or the last one of the final due dates specified under all the contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc. (including an Associated Card, etc.)) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under these contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:
一 前項第一号に掲げる場合 次に掲げる事項
(i) cases listed in item (i) of the preceding paragraph: the following matters:
イ 契約年月日(カード等についてそれに係る極度額を増額しようとする場合にあつては増額した年月日、カード等についてそれに係る有効期間を更新しようとする場合にあつてはその更新しようとする年月日及び指定信用情報機関が保有する特定信用情報を使用して調査を行つた年月日)
(a) the date of the contract (in cases where the comprehensive credit purchase intermediary intends to increase the credit line pertaining to a card, etc., the date of the increase of the credit line, and in cases where the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc., the date for the renewal, and the date on which the comprehensive credit purchase intermediary carried out an investigation by using the specified credit information held by the designated credit information institution);
ロ 利用者に交付し又は付与したカード等についてそれに係る極度額(カード等についてそれに係る極度額を増額しようとする場合にあつては、増額した後の極度額)
(b) the credit line pertaining to a card, etc. already delivered or granted to the user (in cases where the comprehensive credit purchase intermediary intends to increase the credit line pertaining to a card, etc., the increased credit line);
ハ 指定信用情報機関が保有する特定信用情報を使用して行つた調査の結果
(c) the results of the investigation carried out by using the specified credit information held by the designated credit information institution;
ニ 当該包括信用購入あつせん業者に対する包括信用購入あつせんに係る債務の額
(d) the amount of the obligation pertaining to the intermediation of comprehensive credit purchases to said comprehensive credit purchase intermediary;
二 前項第二号に掲げる場合 次に掲げる事項
(ii) cases listed in item (ii) of the preceding paragraph: the following matters:
イ 利用者の求めがあつた日及びカード等についてそれに係る極度額を増額した年月日
(a) the day on which a request was made by the user and the date on which the credit line pertaining to a card, etc. was increased;
ロ 増額した期間
(b) the period for the increase of the credit line;
ハ 増額した後の極度額
(c) the increased credit line;
ニ 利用者がカード等を提示し又は通知して、包括信用購入あつせん関係販売業者から商品若しくは権利を購入し、又は包括信用購入あつせん関係役務提供事業者から役務の提供を受ける目的
(d) the purpose for which the user purchases goods or rights from the seller for the intermediation of comprehensive credit purchases or is provided with services by the service provider for the intermediation of comprehensive credit purchases upon the presentation of a card, etc. or card details;
ホ あらかじめ確認した包括信用購入あつせん関係販売業者若しくは包括信用購入あつせん関係役務提供事業者の名称又はこれに相当するもの
(e) the name or any equivalent information of the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases that has been confirmed in advance;
ヘ 増額した期間において、利用者がカード等を提示し又は通知して、商品若しくは権利を購入した包括信用購入あつせん関係販売業者、又は役務の提供を受ける包括信用購入あつせん関係役務提供事業者の名称又はこれに相当するもの
(f) the name or any equivalent information of the seller for the intermediation of comprehensive credit purchases from which the user has purchased goods or rights or of the service provider for the intermediation of comprehensive credit purchases by which the user is to be provided with services, upon the presentation of a card, etc. or card details, during the period for the increase of the credit line;
ト 利用者が得る見込みがあると認められる臨時的かつ短期的な収入(前項第二号ロに該当するときに限る。)
(g) the temporary short-term income that the user is deemed to be likely to earn (limited to the cases falling under item (ii), (b) of the preceding paragraph);
三 前項第三号に掲げる場合 次に掲げる事項
(iii) cases listed in item (iii) of the preceding paragraph: the following matters:
イ 利用者に交付し又は付与しているカード等についてそれに係る有効期間を更新しようとする年月日及び当該利用者の当該包括信用購入あつせん業者に対する包括信用購入あつせんに係る債務の額を調査した年月日
(a) the date on which the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc. already delivered or granted to the user and the date on which the comprehensive credit purchase intermediary investigated the user's obligation pertaining to the intermediation of comprehensive credit purchases to said comprehensive credit purchase intermediary;
ロ 利用者に交付し又は付与したカード等についてそれに係る極度額
(b) the credit line pertaining to a card, etc. already delivered or granted to the user;
ハ 当該包括信用購入あつせん業者に対する包括信用購入あつせんに係る債務の額
(c) the amount of the obligation pertaining to the intermediation of comprehensive credit purchases to said comprehensive credit purchase intermediary;
四 前項第四号に掲げる場合 次に掲げる事項
(iv) cases listed in item (iv) of the preceding paragraph: the following matters:
イ 付随カード等についてそれに係る契約年月日(付随カード等についてそれに係る極度額を増額しようとする場合にあつては、増額した年月日)
(a) the date of the contract pertaining to an Associated Card, etc. (in cases where the comprehensive credit purchase intermediary intends to increase the credit line pertaining to an Associated Card, etc., the date of the increase of the credit line);
ロ 利用者に交付し又は付与した付随カード等についてそれに係る極度額(付随カード等についてそれに係る極度額を増額しようとする場合にあつては、増額した後の極度額)
(b) the credit line pertaining to an Associated Card, etc. already delivered or granted to the user (in cases where the comprehensive credit purchase intermediary intends to increase the credit line pertaining to an Associated Card, etc., the increased credit line);
五 前項第五号に掲げる場合 カード等を利用者に交付し又は付与しようとする年月日
(v) cases listed in item (v) of the preceding paragraph: the date on which the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. to the user.
第四十四条 法第三十条の二第二項の経済産業省令で定める資産は、利用者又は購入者等(個人である購入者又は個人である役務の提供を受ける者に限る。以下この条から第四十七条まで、第五十六条から第五十八条まで、第七十二条、第七十三条の二、第七十四条第一項第四号及び第二項、第八十九条から第九十一条まで、第三節並びに別表第二において同じ。)が所有し、自己の居住の用に供する建物(当該建物が二以上ある場合には、これらの建物のうち、当該利用者又は購入者等が主として居住の用に供する一の建物に限る。以下この条において「住宅」という。)又は住宅の用に供されている土地若しくは当該土地に設定されている地上権とする。
Article 44 The assets specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30-2, paragraph (2) of the Act shall be a building that a user or Purchaser, etc. (limited to a purchaser who is an individual or a service recipient who is an individual; hereinafter the same shall apply in this Article through to Article 47, Articles 56 to 58, Article 72, Article 73-2, Article 74, paragraph (1), item (iv) and paragraph (2), Articles 89 to 91, Section 3, and appended table 2) owns and uses for their own residential purpose (when they own two or more such buildings, limited to a single building out of those buildings that said user or Purchaser, etc. mainly uses for their own residential purpose; hereinafter referred to as the "Residence" in this Article), land that a user or Purchaser, etc. owns and uses as their Residence, or the superficies right established on said land.
第四十五条 法第三十条の二第二項の経済産業省令で定める額(以下この条及び次条第一項第二号において「生活維持費」という。)は、別表第二の上欄に掲げる利用者又は購入者等及びその者と生計を一にする者の合計数(ただし、当該利用者又は購入者等の包括支払可能見込額又は個別支払可能見込額を算定するために法第三十条の二第一項本文又は第三十五条の三の三第一項本文の規定による調査をするに当たり、第四十条第二項第一号若しくは第二号又は第七十二条第二項第一号若しくは第二号の規定による年収の合算をしない場合にあつては、一人とする。)の区分並びに同表の中欄に掲げる場合の区分に応じ、同表の下欄に掲げる額とする。
Article 45 (1) The amount specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30-2, paragraph (2) of the Act (hereinafter referred to as the "Subsistence Cost" in this Article and paragraph (1), item (ii) of the following Article) shall be the amount listed in the right-hand column of appended table 2, in accordance with the category of the total number of users or Purchasers, etc. and persons who have the same livelihood as said users or Purchasers, etc. as listed in the left-hand column of said table (provided, however, that when the comprehensive credit purchase intermediary does not total the annual income as prescribed in Article 40, paragraph (2), item (i) or item (ii), or Article 72, paragraph (2), item (i) or item (ii), when carrying out an investigation under the main clause of Article 30-2, paragraph (1) or the main clause of Article 35-3-3, paragraph (1) of the Act in order to calculate the projected comprehensive acceptable amount or the projected individual acceptable amount of said users or Purchasers, etc., the total number shall be one), and in accordance with the category of the cases listed in the middle column of said table.
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生活維持費は、当該各号に定めるところによることができる。
(2) Notwithstanding the provisions of the preceding paragraph, the Subsistence Cost in the following cases may be as specified respectively in the following items:
一 包括信用購入あつせん業者が、包括信用購入あつせんをするためカード等を二親等内の親族の収入により生計を維持している者であつて当該親族と同居しているものに交付し若しくは付与しようとする場合又は当該者に交付し若しくは付与したカード等についてそれに係る極度額を増額しようとする場合において、当該者の包括支払可能見込額を算定するために法第三十条の二第一項本文の規定による調査をするに当たり、第四十条第二項第二号の規定による年収の合算をしないとき。 ないものとする。
(i) cases where the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. to a person who makes a living by depending on the income of a relative within the second degree of kinship and lives with said relative, or intends to increase the credit line pertaining to a card, etc. already delivered or granted to said person, and when the comprehensive credit purchase intermediary does not total annual income as prescribed in Article 40, paragraph (2), item (ii), when carrying out an investigation under the main clause of Article 30-2, paragraph (1) of the Act in order to calculate the projected comprehensive acceptable amount of said person: it shall be deemed that there is no Subsistence Cost;
二 包括信用購入あつせん業者が、包括信用購入あつせんをするためカード等をその収入及びその配偶者の収入により生計を維持している者に交付し若しくは付与しようとする場合又は当該者に交付し若しくは付与したカード等についてそれに係る極度額を増額しようとする場合において、当該者の包括支払可能見込額を算定するために法第三十条の二第一項本文の規定による調査をするに当たり、第四十条第二項第三号の規定による年収の合算をしないとき。 前項の規定による当該者に係る生活維持費を当該者の年収及び当該配偶者から申告を受けた年収(申告を受けることができない場合にあつては、当該配偶者から申告を受けた当該配偶者の年齢、勤務先等の情報により合理的に推定した年収。第五号において同じ。)に応じて按分した額(当該配偶者からその年収の申告を受けることができない場合であつてその合理的な推定ができないときにあつては、前項の規定による当該者に係る生活維持費の二分の一に相当する額。第五号において同じ。)とする。
(ii) cases where the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. to a person who makes a living from their own income and the income of their spouse, or intends to increase the credit line pertaining to a card, etc. already delivered or granted to said person, and when the comprehensive credit purchase intermediary does not total the annual income as prescribed in Article 40, paragraph (2), item (iii), when carrying out an investigation under the main clause of Article 30-2, paragraph (1) of the Act in order to calculate the projected comprehensive acceptable amount of said person: the Subsistence Cost shall be the amount obtained by dividing the Subsistence Cost of said person under the preceding paragraph proportionally in accordance with said person's annual income and the spouse's annual income reported by the spouse (when such report cannot be obtained, the spouse's annual income presumed rationally by information such as the age of the spouse as of the time of obtaining a report by the spouse or the spouse's place of employment; the same shall apply in item (v)) (when a report by the spouse concerning the spouse's own annual income cannot be obtained, and said annual income cannot be presumed rationally, the amount equivalent to 50 percent of the Subsistence Cost of said person under the preceding paragraph; the same shall apply in item (v));
三 個別信用購入あつせん業者が、特定配偶者であつてその配偶者と同居しているものを相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合であつて、個別信用購入あつせんに係る販売の方法により商品若しくは指定権利(日常生活において必要とされるものを除く。第七十二条第二項第一号ロ、第三項第一号ロ及び第四項第一号ロにおいて同じ。)を販売する契約又は個別信用購入あつせんに係る提供の方法により役務(日常生活において必要とされるものを除く。同条第二項第一号ロ、第三項第一号ロ及び第四項第一号ロにおいて同じ。)を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合において、当該特定配偶者の個別支払可能見込額を算定するために法第三十五条の三の三第一項本文の規定による調査をするに当たり、第七十二条第二項第一号(同号ロに係る部分に限る。)の規定による年収の合算をしないとき。 ないものとする。
(iii) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases with a Dependent Spouse who lives with their spouse, intending to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or designated rights (excluding those that are deemed to be necessary for everyday life; the same shall apply in paragraph (2), item (i), (b), paragraph (3), item (i), (b), and paragraph (4), item (i), (b) of Article 72) by the method of sales pertaining to the intermediation of individual credit purchases or a contract to provide services (excluding those that are deemed to be necessary for everyday life; the same shall apply in paragraph (2), item (i), (b), paragraph (3), item (i), (b), and paragraph (4), item (i), (b) of said Article) by the method of provision pertaining to the intermediation of individual credit purchases, and when the individual credit purchase intermediary does not total the annual income as prescribed in Article 72, paragraph (2), item (i) (limited to the part pertaining to (b) of said item), when carrying out an investigation under the main clause of Article 35-3-3, paragraph (1) of the Act in order to calculate the projected individual acceptable amount of said Dependent Spouse: it shall be deemed that there is no Subsistence Cost;
四 個別信用購入あつせん業者が、二親等内の親族の収入により生計を維持している者であつて当該親族と同居しているものを相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合において、当該者の個別支払可能見込額を算定するために法第三十五条の三の三第一項本文の規定による調査をするに当たり、第七十二条第二項第二号の規定による年収の合算をしないとき。 ないものとする。
(iv) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases with a person who makes a living by depending on the income of a relative within the second degree of kinship and lives with said relative, and when the individual credit purchase intermediary does not total the annual income as prescribed in Article 72, paragraph (2), item (ii), when carrying out an investigation under the main clause of Article 35-3-3, paragraph (1) of the Act in order to calculate the projected individual acceptable amount of said person: it shall be deemed that there is no Subsistence Cost;
五 個別信用購入あつせん業者が、その収入及びその配偶者の収入により生計を維持している者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合において、当該者の個別支払可能見込額を算定するために法第三十五条の三の三第一項本文の規定による調査をするに当たり、第七十二条第二項第三号の規定による年収の合算をしないとき。 前項の規定による当該者に係る生活維持費を当該者の年収及び当該配偶者から申告を受けた年収に応じて按分した額とする。
(v) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases with a person who makes a living from their own income and the income of their spouse, and when the individual credit purchase intermediary does not total the annual income as prescribed in Article 72, paragraph (2), item (iii), when carrying out an investigation under the main clause of Article 35-3-3, paragraph (1) of the Act in order to calculate the projected individual acceptable amount of said person: the Subsistence Cost shall be the amount obtained by dividing the Subsistence Cost of said person under the preceding paragraph proportionally in accordance with the annual income of said person and the spouse's annual income reported by the spouse.
3 前二項の規定にかかわらず、包括信用購入あつせん業者又は個別信用購入あつせん業者が、利用者又は購入者等の居住地域を確認する場合における当該利用者又は購入者等に係る生活維持費は、第一項又は前項の規定による当該利用者又は購入者等に係る生活維持費に、次の各号に掲げる当該利用者又は購入者等の居住地域の区分(別表第三に定める居住地域の区分をいう。次条において同じ。)に応じ、当該各号に定める割合を乗じて得た額とすることができる。
(3) Notwithstanding the provisions of the preceding two paragraphs, the Subsistence Cost of a user or a Purchaser, etc. in cases where a comprehensive credit purchase intermediary or an individual credit purchase intermediary confirms the residential area of the user or the Purchaser, etc. may be the amount obtained by multiplying the Subsistence Cost of the user or the Purchaser, etc. under paragraph (1) or the preceding paragraph by the rate specified in the following items, in accordance with the category of residential areas of the user or the Purchaser, etc. listed in said relevant items (meaning the category of residential areas specified in appended table 3; the same shall apply in the following Article):
一 第一区分 百分の九十
(i) category 1: 90 percent;
二 第二区分 百分の八十五
(ii) category 2: 85 percent.
第四十六条 別表第三に掲げる市町村(特別区を含む。以下この条及び別表第三において同じ。)の廃置分合があつた場合には、次の各号に掲げる区域に居住する利用者又は購入者等の居住地域の区分は、当該各号に定める市町村により定まる。
Article 46 (1) In cases where there has been any reorganization of the municipalities listed in appended table 3 (including special wards; hereinafter the same shall apply in this Article and appended table 3), the category of residential areas of a user or a Purchaser, etc. residing in areas listed in the following items shall be specified by the municipality specified in said relevant items:
一 廃置分合により市町村の区域の全部又は一部が他の市町村に編入された場合における当該廃置分合後の当該市町村の区域 当該市町村
(i) in cases where the whole or a part of a municipality has been incorporated into another municipality as a result of reorganization, the area in said municipality after the reorganization: said municipality;
二 廃置分合により市町村を新たに置いた場合における当該廃置分合後の当該市町村の区域 当該区域が当該廃置分合前に属していた市町村(当該市町村が二以上あるときは、利用者又は購入者等に係る生活維持費が最も高額なもの)
(ii) in cases where a new municipality has been established as a result of reorganization, the area in said municipality after the reorganization: the municipality to which said area belonged prior to the reorganization (when there are two or more such municipalities, the municipality where the Subsistence Cost of the user or the Purchaser, etc. is the highest).
2 別表第三に掲げる市町村の境界変更があつた場合には、当該境界変更に係る区域に居住する利用者又は購入者等の居住地域の区分は、当該境界変更により当該区域が属することとなつた市町村により定まる。
(2) In cases where there have been any changes to the border of the municipalities listed in appended table 3, the category of residential areas of a user or a Purchaser, etc. residing in areas pertaining to said border changes shall be specified by the municipality to which said area has come to belong as a result of said border changes.
第四十七条 法第三十条の二第三項の経済産業省令で定めるものは、基礎特定信用情報(信用購入あつせんに係る債務の支払の状況を除く。)その他利用者又は購入者等の信用購入あつせんに係る支払能力に関する情報をいう。
Article 47 The information specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30-2, paragraph (3) of the Act shall be basic specified credit information (excluding the payment status with regard to obligations pertaining to the intermediation of credit purchases) and any other information concerning the ability to pay of a user or a Purchaser, etc. pertaining to the intermediation of credit purchases.
第四十七条の二 法第三十条の二第四項の規定により、包括信用購入あつせん業者は、次の各号に掲げる場合の区分に応じ、利用者ごとに、次に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等についてそれに係る有効期間(第一号に掲げる場合には更新された後の有効期間を含み、第二号に掲げる場合には更新された後の有効期間を除く。)の満了の日又は当該有効期間内に締結したすべての包括信用購入あつせん関係受領契約(当該カード等に係るものに限る。)に定められた最終の支払期日のうち最後のもの(これらの契約に基づく包括信用購入あつせんに係る債務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 47-2 A comprehensive credit purchase intermediary shall, pursuant to the provisions of Article 30-2, paragraph (4) of the Act, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, by means of documents or electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period for a card, etc. (including the effective period after the renewal in the cases listed in item (i) and excluding the effective period after the renewal in the cases listed in item (ii)), or the last one of the final due dates specified under all the contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc.) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under those contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:
一 第四十条又は第四十二条で定めるところにより調査を行う場合又は第四十二条の場合 次に掲げる事項
(i) cases where the comprehensive credit purchase intermediary carries out an investigation pursuant to the provisions of Article 40 or Article 42, or cases set forth in Article 42: the following matters:
イ 契約年月日(カード等についてそれに係る極度額を増額しようとする場合にあつては、増額した年月日)
(a) the date of the contract (in cases where the comprehensive credit purchase intermediary intends to increase the credit line pertaining to a card, etc., the date of the increase of the credit line);
ロ 利用者に交付し又は付与したカード等についてそれに係る極度額(カード等についてそれに係る極度額を増額しようとする場合にあつては、増額した後の極度額)
(b) the credit line pertaining to a card, etc. already delivered or granted to the user (in cases where the comprehensive credit purchase intermediary intends to increase the credit line pertaining to a card, etc., the increased credit line);
ハ 法第三十条の二第一項本文の規定による調査の結果(法第三十条の二第三項の規定により、指定信用情報機関が保有する特定信用情報を使用して行つた調査の結果を含む。)
(c) the results of the investigation under the main clause of Article 30-2, paragraph (1) of the Act (including the results of the investigation carried out by using the specified credit information held by the designated credit information institution, pursuant to the provisions of Article 30-2, paragraph (3) of the Act);
ニ 第四十条第二項各号列記以外の部分又は第三項各号列記以外の部分の同意を得たときは、当該同意に関する事項
(d) when consent has been obtained concerning the part other than those listed in the items of Article 40, paragraph (2) or the part other than those listed in the items of paragraph (3), the matters concerning said consent;
ホ その他法第三十条の二第一項本文の規定による調査に使用した書面又はその写し
(e) any other documents used for the investigation under the main clause of Article 30-2, paragraph (1) of the Act or a copy thereof;
二 第四十一条で定めるところにより調査を行う場合 次に掲げる事項
(ii) cases where the comprehensive credit purchase intermediary carries out an investigation pursuant to the provisions of Article 41: the following matters:
イ 利用者に交付し又は付与しているカード等についてそれに係る有効期間を更新しようとする年月日及び法第三十条の二第一項本文の規定による調査を行つた年月日
(a) the date on which the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc. already delivered or granted to the user and the date on which the comprehensive credit purchase intermediary carried out the investigation under the main clause of Article 30-2, paragraph (1) of the Act;
ロ 利用者に交付し又は付与したカード等についてそれに係る極度額
(b) the credit line pertaining to a card, etc. already delivered or granted to the user;
ハ 法第三十条の二第一項本文の規定による調査の結果(法第三十条の二第三項の規定により、指定信用情報機関が保有する特定信用情報を使用して行つた調査の結果を含む。)
(c) the results of the investigation under the main clause of Article 30-2, paragraph (1) of the Act (including the results of the investigation carried out by using the specified credit information held by the designated credit information institution, pursuant to the provisions of Article 30-2, paragraph (3) of the Act);
ニ 第四十条第二項各号列記以外の部分又は第三項各号列記以外の部分の同意を得たときは、当該同意に関する事項
(d) when consent has been obtained concerning the part other than those listed in the items of Article 40, paragraph (2) or the part other than those listed in the items of paragraph (3), the matters concerning said consent;
ホ その他法第三十条の二第一項本文の規定による調査に使用した書面又はその写し
(e) any other documents used for the investigation under the main clause of Article 30-2, paragraph (1) of the Act or a copy thereof.
(包括支払可能見込額を超える場合のカード等の交付等の禁止に係る利用者の保護に支障を生ずることがない場合)
(Cases Causing No Hindrances with the Protection of Users Pertaining to the Prohibition of Delivery, etc. of a Card, etc. in Cases Exceeding the Projected Comprehensive Acceptable Amount)
第四十八条 法第三十条の二の二ただし書の経済産業省令で定める場合は、第四十三条第一項各号に掲げる場合とする。
Article 48 The cases specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in the proviso to Article 30-2-2 of the Act shall be the cases listed in the items of Article 43, paragraph (1).
(書面の交付等)
(Delivery of Documents, etc.)
第四十九条 法第三十条の二の三第一項第三号の経済産業省令で定める事項は、次のとおりとする。
Article 49 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30-2-3, paragraph (1), item (iii) of the Act shall be as follows:
一 包括信用購入あつせん業者の名称及び住所又は電話番号並びに包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の名称
(i) the name and address or telephone number of the comprehensive credit purchase intermediary, and name of the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases;
二 契約年月日
(ii) the date of the contract;
三 支払分の支払回数
(iii) the number of payments;
四 包括信用購入あつせん関係受領契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(iv) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the contract for receiving the intermediation of comprehensive credit purchases;
五 包括信用購入あつせん業者に対する抗弁に関する事項
(v) the matters concerning any defense against the comprehensive credit purchase intermediary;
六 包括信用購入あつせん関係受領契約の解除に関する定めがあるときは、その内容
(vi) when there is an agreement on the cancellation of the contract for receiving the intermediation of comprehensive credit purchases, the details thereof;
七 支払時期の到来していない支払分の支払を請求することについての定めがあるときは、その内容
(vii) when there is an agreement on the demand for the payments that have not yet become due, the details thereof;
八 支払分の支払の義務が履行されない場合(包括信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めがあるときは、その内容
(viii) when there is an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of comprehensive credit purchases has been cancelled), the details thereof;
九 前各号に掲げるもののほか特約があるときは、その内容
(ix) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof.
第五十条 法第三十条の二の三第一項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 50 When a comprehensive credit purchase intermediary delivers a document containing the matters listed in the items of Article 30-2-3, paragraph (1) of the Act, it shall follow the rules specified in the following items:
一 第三十六条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 36, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 前条第五号に掲げる事項については、その内容に、商品若しくは指定権利の販売につきそれを販売した包括信用購入あつせん関係販売業者又は役務の提供につきそれを提供する包括信用購入あつせん関係役務提供事業者に対して生じている事由をもつて、支払分の支払の請求をする包括信用購入あつせん業者に対抗できる旨が定められていること。
(ii) it shall be provided that with regard to the matters listed in item (v) of the preceding Article, the grounds arising regarding the details thereof for the seller for the intermediation of comprehensive credit purchases that has sold goods or designated rights or for the service provider for the intermediation of comprehensive credit purchases that is to provide services may be asserted against the comprehensive credit purchase intermediary that demands the payments;
三 前条第六号から第九号までに掲げる事項のうち次の表の上欄に掲げる事項について定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(iii) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in items (vi) to (ix) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 包括信用購入あつせん関係受領契約の解除に関する事項
(i) matters concerning the cancellation of the contract receiving the intermediation of comprehensive credit purchases
イ 購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. cannot cancel the contract
ロ 購入者等の支払義務の不履行により契約を解除することができる場合は、包括信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、包括信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その義務が履行されない場合に限る旨が定められていること。
(b) it is provided that the cancellation of the contract due to a failure of the Purchaser, etc. to perform the obligation to make payments is allowed only when the failure to perform the obligation has continued for a certain period of time as specified by the comprehensive credit purchase intermediary, and the comprehensive credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ハ 購入者等の責に帰すべき事由により契約が解除された場合の損害賠償等の額についての定めが法第三十条の三第一項の規定に合致していること。
(c) an agreement on the amount of damages, etc. in cases where the contract has been cancelled due to a cause imputable to the Purchaser, etc. complies with the provisions of Article 30-3, paragraph (1) of the Act
ニ 包括信用購入あつせん業者の責に帰すべき事由により契約が解除された場合における包括信用購入あつせん業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(d) with regard to the obligation of the comprehensive credit purchase intermediary in cases where the contract has been cancelled due to a cause imputable to the comprehensive credit purchase intermediary, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code
二 支払時期の到来していない支払分の支払の請求に関する事項
(ii) matters concerning the demand for the payments that have not yet become due
イ 購入者等の支払義務の不履行により支払時期の到来していない支払分の支払を請求することができる場合は、包括信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、包括信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(a) it is provided that the payments that have not yet become due may be demanded due to a failure of the Purchaser, etc. to perform the obligation to make payments only when the failure to perform the obligation has continued for a certain period of time as specified by the comprehensive credit purchase intermediary, and the comprehensive credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ロ 購入者等の支払義務の不履行以外の事由により支払時期の到来していない支払分の支払を請求することができる場合として、購入者等の信用が著しく悪化した場合又は重要な契約条項違反があつた場合以外の場合が定められていないこと。
(b) no other case than the case of the significant deterioration of the credit of the Purchaser, etc. or a violation of any important contract clause is provided as the case where the payments that have not yet become due may be demanded due to reasons other than a failure of the Purchaser, etc. to perform the obligation to make payments
三 支払分の支払の義務が履行されない場合(包括信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額又は違約金に関する事項
(iii) matters concerning the amount of damages or a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of comprehensive credit purchases has been cancelled)
支払分の支払の義務が履行されない場合(包括信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めが法第三十条の三第二項の規定に合致していること。
an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of comprehensive credit purchases has been cancelled) complies with the provisions of Article 30-3, paragraph (2) of the Act
四 前条第六号から第八号までに掲げるもの以外の特約
(iv) special agreements other than those listed in items (vi) to (viii) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
四 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ること。
(iv) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
第五十一条 法第三十条の二の三第二項第三号の経済産業省令で定める事項は、次のとおりとする。
Article 51 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30-2-3, paragraph (2), item (iii) of the Act shall be as follows:
一 包括信用購入あつせん業者の名称及び住所又は電話番号並びに包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の名称
(i) the name and address or telephone number of the comprehensive credit purchase intermediary, and name of the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases;
二 契約年月日
(ii) the date of the contract;
三 包括信用購入あつせん関係受領契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(iii) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the contract for receiving the intermediation of comprehensive credit purchases;
四 包括信用購入あつせん業者に対する抗弁に関する事項
(iv) the matters concerning any defense against the comprehensive credit purchase intermediary;
五 包括信用購入あつせん関係受領契約の解除に関する定めがあるときは、その内容
(v) when there is an agreement on the cancellation of the contract for receiving the intermediation of comprehensive credit purchases, the details thereof;
六 支払時期の到来していない弁済金の支払を請求することについての定めがあるときは、その内容
(vi) when there is an agreement on the demand for the payments that have not yet become due, the details thereof;
七 弁済金の支払の義務が履行されない場合(包括信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めがあるときは、その内容
(vii) when there is an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to pay tenders (excluding cases where the contract for receiving the intermediation of comprehensive credit purchases has been cancelled), the details thereof;
八 前各号に掲げるもののほか特約があるときは、その内容
(viii) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof.
第五十二条 法第三十条の二の三第二項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 52 When a comprehensive credit purchase intermediary delivers a document containing the matters set forth in the items of Article 30-2-3, paragraph (2) of the Act, it shall follow the rules specified in the following items:
一 第三十七条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 37, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 前条第四号に掲げる事項については、その内容に、商品若しくは指定権利の販売につきそれを販売した包括信用購入あつせん関係販売業者又は役務の提供につきそれを提供する包括信用購入あつせん関係役務提供事業者に対して生じている事由をもつて、弁済金の支払の請求をする包括信用購入あつせん業者に対抗できる旨が定められていること。
(ii) it shall be provided that with regard to the matters listed in item (iv) of the preceding Article, the grounds arising regarding the details thereof for the seller for the intermediation of comprehensive credit purchases that has sold goods or designated rights or for the service provider for the intermediation of comprehensive credit purchases that is to provide services may be asserted against the comprehensive credit purchase intermediary that demands the payment of the tenders.
三 前条第五号、第六号及び第八号に掲げる事項のうち次の表の上欄に掲げる事項について定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(iii) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in item (v), item (vi), and item (viii) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 包括信用購入あつせん関係受領契約の解除に関する事項
(i) matters concerning the cancellation of the contract receiving the intermediation of comprehensive credit purchases
イ 購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. cannot cancel the contract
ロ 購入者等の支払義務の不履行により契約を解除することができる場合は、包括信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、包括信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その義務が履行されない場合に限る旨が定められていること。
(b) it is provided that the cancellation of the contract due to a failure of the Purchaser, etc. to perform the obligation to make payments is allowed only when the failure to perform the obligation has continued for a certain period of time as specified by the comprehensive credit purchase intermediary, and the comprehensive credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ハ 包括信用購入あつせん業者の責に帰すべき事由により契約が解除された場合における包括信用購入あつせん業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(c) with regard to the obligation of the comprehensive credit purchase intermediary in cases where the contract has been cancelled due to a cause imputable to the comprehensive credit purchase intermediary, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code
二 支払時期の到来していない弁済金の支払の請求に関する事項
(ii) matters concerning the demand for the payment of tenders that have not yet become due
イ 購入者等の支払義務の不履行により支払時期の到来していない弁済金の支払を請求することができる場合は、包括信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、包括信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(a) it is provided that the tenders that have not yet become due may be demanded due to a failure of the Purchaser, etc. to perform the obligation to make payments only when the failure to perform the obligation has continued for a certain period of time as specified by the comprehensive credit purchase intermediary, and the comprehensive credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ロ 購入者等の支払義務の不履行以外の事由により支払時期の到来していない弁済金の支払を請求することができる場合として、購入者等の信用が著しく悪化した場合又は重要な契約条項違反があつた場合以外の場合が定められていないこと。
(b) no other case than the case of the significant deterioration of the credit of the Purchaser, etc. or a violation of any important contract clause is provided as the case where the payment of tenders that have not yet become due may be demanded due to reasons other than a failure of the Purchaser, etc. to perform the obligation to make payments
三 前条第五号から第七号までに掲げるもの以外の特約
(iii) special agreements other than those listed in items (v) to (vii) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
四 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ること。
(iv) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
第五十三条 法第三十条の二の三第三項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 53 When a comprehensive credit purchase intermediary delivers a document containing the matters set forth in the items of Article 30-2-3, paragraph (3) of the Act, it shall follow the rules specified in the following items:
一 第三十七条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 37, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 弁済金の算定根拠については、遅延損害金及び包括信用購入あつせんの手数料以外の債務のうち未払として残つている額、弁済金の内訳その他弁済金の額の算出に必要な事項を記載すること。
(ii) with regard to the grounds for the calculation of tenders, the amount of the unpaid portion of obligations other than delay damages and the fee for intermediation of comprehensive credit purchases, the breakdown of tenders, and other matters necessary for calculating tenders shall be indicated;
三 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ること。
(iii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
第五十四条 法第三十条の二の三第四項第四号の経済産業省令で定める事項は、次のとおりとする。ただし、包括信用購入あつせん関係役務提供契約であつて当該契約に係る役務(法第二条第五項に規定する指定役務を除く。)の現金提供価格が一万円に満たないもの又は包括信用購入あつせん関係役務提供契約であつて役務の提供を受ける者がカード等を提示し若しくは通知して、若しくはそれと引換えに、役務の提供を受けるときは、直ちに当該役務の全部の履行が行われることが通例である役務(法第二条第五項に規定する指定役務を除く。次項において同じ。)を提供するものを締結した場合においては第四号、第五号、第八号、第九号及び第十一号に掲げる事項(当該役務の提供を受ける者から当該各号に掲げる事項を記載した書面の交付を求められた場合における当該事項を除く。)を、包括信用購入あつせん関係販売契約であつて当該契約に係る商品の種類が二以上あるものを締結した場合においては第三号から第五号までに掲げる事項(現金販売価格が三千円に満たない商品(当該契約に係る商品のうち現金販売価格が最も高額であるものを除く。)に係るものに限る。)をそれぞれ記載しないことができる。
Article 54 (1) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 30-2-3, paragraph (4), item (iv) of the Act shall be as follows; provided, however, that in cases where a comprehensive credit purchase intermediary has concluded a service contract for the intermediation of comprehensive credit purchases under which the price in cash for the provision of services pertaining to said contract (excluding the designated services prescribed in Article 2, paragraph (5) of the Act) is less than 10,000 yen or a service contract for the intermediation of comprehensive credit purchases to provide services that are usually performed in full immediately when a service recipient presents a card, etc. or card details, or in exchange therefor (excluding the designated services prescribed in Article 2, paragraph (5) of the Act; the same shall apply in the following paragraph), the matters listed in item (iv), item (v), item (viii), item (ix), and item (xi) (excluding the matters listed in said items when said service recipient has demanded the issuance of a document containing said matters) may be omitted; and in cases where a comprehensive credit purchase intermediary has concluded a sales contract for the intermediation of comprehensive credit purchases to which two or more types of goods pertain, the matters listed in items (iii) to (v) may be omitted (such matters that may be omitted shall be limited to those pertaining to the types of goods whose selling price in cash is less than 3,000 yen (excluding a type of goods whose selling price in cash is the highest of all the goods pertaining to said contract)):
一 包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の名称及び住所又は電話番号
(i) the name and address or telephone number of the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases;
二 契約年月日
(ii) the date of the contract;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び機種又は型式(権利又は役務の場合にあつては、当該権利又は当該役務の種類)
(iv) the trademark, manufacturer, unit type, or model of the goods (in the case of rights or services, the type of said rights or said services);
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which the rights can be exercised or the services can be received under the contract);
六 包括信用購入あつせん関係販売等契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(vi) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases;
七 役務の提供が商品又は指定権利の販売の条件となつているときは、当該役務の内容、提供時期その他当該役務に関する事項
(vii) when the provision of services is one of the conditions for the sale of goods or designated rights, the details of said services, the timing of their provision, and any other matters concerning said services;
八 商品の販売が指定権利の販売又は役務の提供の条件となつているときは、当該商品の内容、引渡し時期その他当該商品に関する事項
(viii) when the sale of goods is one of the conditions for the sale of designated rights or the provision of services, the details of said goods, the delivery time, and any other matters concerning said goods;
九 権利の販売が商品の販売又は役務の提供の条件となつているときは、当該権利の内容、移転時期その他当該権利に関する事項
(ix) when the sale of rights is one of the conditions for the sale of goods or the provision of services, the details of said rights, the timing of their transfer, and any other matters concerning said rights;
十 商品に隠れた瑕疵がある場合の責任についての定めがあるときは、その内容
(x) when there is an agreement on liability in cases where the goods have any hidden defect, the details thereof;
十一 前各号に掲げるもののほか特約があるときは、その内容
(xi) when there are any other special agreements in addition to those listed in the preceding items, the details thereof;
十二 包括信用購入あつせん関係販売等契約が連鎖販売個人契約又は業務提供誘引販売個人契約であるときは、その旨
(xii) when the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases is a personal multilevel marketing contract or a personal business opportunity related sales contract, to that effect.
2 購入者等が、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者と対面することなく、かつ、勧誘を受けることなく機器にカード等を提示し若しくは通知して、又はそれと引換えに、商品若しくは指定権利を購入し、又は役務の提供を受ける場合であつて、次の各号に掲げる場合のいずれかに該当する契約を締結した場合においては、前項の規定にかかわらず、同項各号に掲げる事項を記載しないことができる。
(2) In cases where a Purchaser, etc. purchases goods or designated rights or receives services by presenting a card, etc. or card details to a machine, or in exchange therefor, without meeting face to face with a seller for the intermediation of comprehensive credit purchases or a service provider for the intermediation of comprehensive credit purchases nor receiving the solicitation therefrom, and where a contract falling under any of the following has been concluded, the matters listed in the items of the preceding paragraph may be omitted, notwithstanding the provisions of said paragraph:
一 包括信用購入あつせん関係販売契約であつて購入者がカード等を提示し若しくは通知して、又はそれと引換えに、商品若しくは指定権利を購入するときは、直ちに当該商品の引渡し若しくは当該指定権利の移転がされる商品又は指定権利を販売するもの
(i) a sales contract for the intermediation of comprehensive credit purchases to sell goods or designated rights that are usually delivered or transferred immediately when the purchaser purchases goods or designated rights by presenting a card, etc. or card details, or in exchange therefor;
二 包括信用購入あつせん関係役務提供契約であつて役務の提供を受ける者がカード等を提示し若しくは通知して、又はそれと引換えに、役務の提供を受けるときは、直ちに当該役務の全部の履行が行われることが通例である役務を提供するもの
(ii) a service contract for the intermediation of comprehensive credit purchases to provide services that are usually performed in full immediately when the service recipient is provided with services by presenting a card, etc. or card details, or in exchange therefor.
第五十五条 法第三十条の二の三第四項の規定により同項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 55 When a comprehensive credit purchase intermediary delivers a document containing the matters set forth in the items of Article 30-2-3, paragraph (4) of the Act, pursuant to the provisions of said paragraph, it shall follow the rules specified in the following items:
一 包括信用購入あつせんに係る商品若しくは権利の販売若しくは役務の提供について、それぞれ第三十六条第一項第一号又は第三十七条第一項第一号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) with regard to the sales of goods or rights or the provision of services pertaining to the intermediation of comprehensive credit purchases, the terms listed in the left-hand column of the relevant table of Article 36, paragraph (1), item (i) or Article 37, paragraph (1), item (i) shall be used, with the meanings as defined respectively in the right-hand column of said relevant table;
二 法第三十条の二の三第四項第三号に掲げる事項については、その内容が次の基準に合致していること。
(ii) with regard to the matters listed in Article 30-2-3, paragraph (4), item (iii) of the Act, the details thereof must be in accordance with the following criteria:
イ 購入者等からの包括信用購入あつせん関係販売等契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. may not cancel the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases;
ロ 包括信用購入あつせん関係販売等契約の締結の前に包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者が見本、カタログ等により購入者等に対し提示した当該契約の内容と当該購入者等が受領した商品若しくは権利又は提供を受ける役務が相違している場合には、購入者等は、当該契約の解除をすることができる旨が定められていること。
(b) it is provided that if the details of the contract presented by the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases by way of using samples, catalogues, and the like, prior to the conclusion of the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases, differ from the goods or rights received or the services to be received by the Purchaser, etc., said Purchaser, etc. may cancel said contract;
ハ 包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の責に帰すべき事由により包括信用購入あつせん関係販売等契約が解除された場合における包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(c) with regard to the obligation of the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases in cases where the Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases has been cancelled due to a cause imputable to the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code;
三 前条第一項第十号及び第十一号に掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(iii) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in item (x) and item (xi) of paragraph (1) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 商品に隠れた瑕疵がある場合の責任に関する事項
(i) matters concerning liability in cases where the goods have any hidden defect
商品に隠れた瑕疵(道路運送車両法の規定による臨時運行以外の運行の用に供された旨が明示されている自動車に係る瑕疵であつて、当該運行の用に供されたことにより通常生ずるものを除く。)がある場合に包括信用購入あつせん関係販売業者が当該瑕疵について責任を負わない旨が定められていないこと。
it is not provided that in cases where the goods have any hidden defect (excluding any defect in automobiles where it is clear that they have been used for a purpose other than for temporary special service under the Road Vehicles Act and where such defect is generally caused by such usage), the seller for the intermediation of comprehensive credit purchases assumes no liability for said defect
二 前条第十号に掲げるもの以外の特約
(ii) special agreements other than those listed in item (x) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
四 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ること。
(iv) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
(業務の運営に関する措置)
(Measures Concerning Operation of Business)
第五十六条 包括信用購入あつせん業者は、法第三十条の五の二の規定によりその取り扱う利用者又は購入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 56 When a comprehensive credit purchase intermediary entrusts the safety management of information on users or Purchasers, etc. that it handles, the supervision of workers, and the handling of said information, pursuant to the provisions of Article 30-5-2 of the Act, it shall take necessary and appropriate measures for supervising the entrusted person so as to prevent the leakage or loss of or damage to said information.
第五十七条 包括信用購入あつせん業者は、法第三十条の五の二の規定により特定信用情報提供等業務を行う者から提供を受けた情報であつて利用者又は購入者等の支払能力に関するものを、支払能力調査以外の目的に使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 57 A comprehensive credit purchase intermediary shall take measures for ensuring that it shall not use any information concerning the ability to pay of users or Purchasers, etc. that it has received, pursuant to the provisions of Article 30-5-2 of the Act, from a person engaging in the business of specified credit information services, etc., for any other purposes than for the investigation into the ability to pay.
第五十八条 包括信用購入あつせん業者は、法第三十条の五の二の規定によりその取り扱う利用者又は購入者等に関する人種、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。第九十一条において同じ。)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に使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 58 A comprehensive credit purchase intermediary shall take measures for ensuring that it shall not use any information on users or Purchasers, etc. concerning their race, creed, family origin, domicile of origin, health and medical care, or criminal background, or any other special private information (meaning unpublished information that the comprehensive credit purchase intermediary comes to know in the course of business; the same shall apply in Article 91) that it handles pursuant to the provisions of Article 30-5-2 of the Act, for any other purposes than for ensuring the proper operation of the business and other purposes that are deemed to be necessary.
第五十九条 包括信用購入あつせん業者は、法第三十条の五の二の規定により包括信用購入あつせん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 59 When a comprehensive credit purchase intermediary entrusts the business of the intermediation of comprehensive credit purchases to a third party, pursuant to the provisions of Article 30-5-2 of the Act, it shall take the following measures, in accordance with the contents of said business:
一 当該業務を適確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 for entrusting the business to a person that has the ability to perform it properly;
二 当該業務の委託を受けた者(以下この条及び第九十二条において「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適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 for carrying out necessary and appropriate supervision over the person that has been entrusted with said business (hereinafter referred to as the "Entrusted Person" in this Article and Article 92), such as through inspecting whether or not the Entrusted Person is performing said business properly by confirming, regularly or as necessary, the status of the Entrusted Person's performance of said business, and through having said person make the required improvements;
三 受託者が行う当該業務に係る利用者又は購入者等からの苦情の適切かつ迅速な処理のために必要な措置
(iii) measures necessary for appropriately and promptly processing complaints from users or Purchasers, etc. pertaining to said business performed 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、当該業務に係る利用者又は購入者等の利益の保護に支障が生じること等を防止するための措置
(iv) measures for preventing any hindrance to the protection of the interests of users or Purchasers, etc. pertaining to said business, such as through entrusting said business to another third party promptly in the event that the Entrusted Person cannot perform said business properly;
五 受託者が当該業務を適確に遂行していない場合であつて当該業務に係る利用者又は購入者等の利益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) measures for taking necessary measures such as changing or canceling the contract for the entrustment of said business, in cases where the Entrusted Person does not perform said business properly and it is necessary for protecting the interests of users or Purchasers, etc. pertaining to said business.
第六十条 包括信用購入あつせん業者は、法第三十条の五の二の規定により利用者又は購入者等からの苦情(法第三十五条の三の十九第一項の規定による対抗を含む。以下この条において同じ。)の適切かつ迅速な処理のために必要な措置を講じるときは、次の各号に定めるところによらなければならない。
Article 60 When a comprehensive credit purchase intermediary takes measures necessary for processing complaints from users or Purchasers, etc. (including the assertion under Article 35-3-19, paragraph (1) of the Act; hereinafter the same shall apply in this Article) properly and promptly, pursuant to the provisions of Article 30-5-2 of the Act, it shall follow the rules specified in the following items:
一 利用者又は購入者等からの苦情を受け付けたときは、遅滞なく、当該苦情に係る事項の原因を究明すること。
(i) when receiving complaints from users or Purchasers, etc., the comprehensive credit purchase intermediary shall search for the causes of the matters pertaining to said complaints without delay;
二 前号の規定による原因究明により知つた事項からみて、同号の苦情に係る事項の原因が次のいずれかに係るものであると認めるときは、当該苦情の内容に応じ、当該苦情の処理のために必要な事項を調査すること。
(ii) when deeming that the causes of the matters pertaining to the complaints set forth in the preceding item relate to any of the following, in light of the information obtained through the search for the causes of the complaints set forth in said item, the comprehensive credit purchase intermediary shall investigate matters necessary for processing said complaints, in accordance with the details of the complaints:
イ 包括信用購入あつせん関係販売業者(法第三十条の二の三第四項に規定する包括信用購入あつせん関係販売業者のうち包括信用購入あつせん関係立替払取次業者と包括信用購入あつせん関係立替払取次ぎに係る契約を締結した販売業者を除いたものをいう。次号イにおいて同じ。)又は包括信用購入あつせん関係役務提供事業者(同項に規定する包括信用購入あつせん関係役務提供事業者のうち包括信用購入あつせん関係立替払取次業者と包括信用購入あつせん関係立替払取次ぎに係る契約を締結した役務提供事業者を除いたものをいう。次号イにおいて同じ。)が包括信用購入あつせん関係販売等契約の申込み又は締結の勧誘をするに際し、法第三十五条の三の七各号のいずれかに該当する行為をしたこと。
(a) that the seller for the intermediation of comprehensive credit purchases (meaning the seller for the intermediation of comprehensive credit purchases as prescribed in Article 30-2-3, paragraph (4) of the Act other than a seller that has concluded a contact for the brokerage of advance payment for the intermediation of comprehensive credit purchases with a brokerage agency of advance payment for the intermediation of comprehensive credit purchases; the same shall apply in (a) of the following item) or the service provider for the intermediation of comprehensive credit purchases (meaning the service provider for the intermediation of comprehensive credit purchases as prescribed in said paragraph other than a service provider that has concluded a contact for the brokerage of advance payment for the intermediation of comprehensive credit purchases with a brokerage agency of advance payment for the intermediation of comprehensive credit purchases; the same shall apply in (a) of the following item) has conducted an act falling under any of the items of Article 35-3-7 of the Act, upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Comprehensive Credit Purchases;
ロ 包括信用購入あつせん業者が包括信用購入あつせんに係る業務に関し利用者又は購入者等の利益の保護に欠ける行為をしたこと。
(b) that the comprehensive credit purchase intermediary has conducted any acts which fall short of protecting the interests of users or Purchasers, etc. with regard to the business pertaining to the intermediation of comprehensive credit purchases;
三 第一号の規定による原因究明、認定割賦販売協会の保有する情報の確認その他の方法により知つた事項からみて、次のいずれかに該当するときは、当該苦情の内容に応じ、当該苦情の処理のために必要な事項を調査すること。
(iii) when falling under any of the following, in light of the information obtained through the search for the causes of the complaints under item (i) or the confirmation of information held by a certified installment sales association or by any other means, the comprehensive credit purchase intermediary shall investigate matters necessary for processing said complaints, in accordance with the details of the complaints:
イ 利用者又は購入者等からの苦情であつて、当該苦情に係る事項の原因が包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者による包括信用購入あつせんに係る業務に関する利用者又は購入者等の利益の保護に欠ける行為に係るもの(苦情に係る事項の原因が前号イに規定するものにある苦情を除く。以下このイにおいて同じ。)の発生状況及び当該包括信用購入あつせん業者と包括信用購入あつせんに係る契約を締結した販売業者又は役務提供事業者(当該包括信用購入あつせん関係販売業者又は当該包括信用購入あつせん関係役務提供事業者を除く。以下この号において「他の包括信用購入あつせん関係販売業者等」という。)による包括信用購入あつせんに係る業務に関する利用者又は購入者等の利益の保護に欠ける行為に係る苦情の発生状況からみて、当該包括信用購入あつせん関係販売業者又は当該包括信用購入あつせん関係役務提供事業者が当該他の包括信用購入あつせん関係販売業者等に比し、利用者又は購入者等の利益の保護に欠けると認められるとき。
(a) when in light of how complaints have been filed by users or Purchasers, etc. concerning acts which fall short of protecting the interests of users or Purchasers, etc. with regard to the business pertaining to the intermediation of comprehensive credit purchases conducted by the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases (excluding complaints the causes of which are as prescribed in (a) of the preceding item; hereinafter the same shall apply in this subitem) and how complaints have been filed by users or Purchasers, etc. concerning acts which fall short of protecting the interests of users or Purchasers, etc. with regard to the business pertaining to the intermediation of comprehensive credit purchases conducted by a seller or a service provider that has concluded a contract for the intermediation of comprehensive credit purchases with said comprehensive credit purchase intermediary (excluding said seller for the intermediation of comprehensive credit purchases or said service provider for the intermediation of comprehensive credit purchases; hereinafter referred to as the "Other Seller, etc. for the Intermediation of Comprehensive Credit Purchases" in this item), it is deemed that said seller for the intermediation of comprehensive credit purchases or said service provider for the intermediation of comprehensive credit purchases lacks in protection of the interests of users or Purchasers, etc. compared with said Other Seller, etc. for the Intermediation of Comprehensive Credit Purchases;
ロ 利用者又は購入者等からの苦情であつて、当該苦情に係る事項の原因が包括信用購入あつせん関係販売業者(包括信用購入あつせん関係立替払取次業者と包括信用購入あつせん関係立替払取次ぎに係る契約を締結した販売業者に限る。)又は包括信用購入あつせん関係役務提供事業者(包括信用購入あつせん関係立替払取次業者と包括信用購入あつせん関係立替払取次ぎに係る契約を締結した役務提供事業者に限る。)による包括信用購入あつせんに係る業務に関する利用者又は購入者等の利益の保護に欠ける行為に係るものの発生状況からみて、当該包括信用購入あつせん関係販売業者又は当該包括信用購入あつせん関係役務提供事業者が包括信用購入あつせんに係る業務に関し利用者又は購入者等の利益の保護に欠けると認められるとき。
(b) when in light of how complaints have been filed by users or Purchasers, etc. concerning acts which fall short of protecting the interests of users or Purchasers, etc. with regard to the business pertaining to the intermediation of comprehensive credit purchases conducted by the seller for the intermediation of comprehensive credit purchases (limited to the seller that has concluded a contract for the brokerage of advance payment for the intermediation of comprehensive credit purchases with a brokerage agency of advance payment for the intermediation of comprehensive credit purchases) or the service provider for the intermediation of comprehensive credit purchases (limited to the service provider that has concluded a contract for the brokerage of advance payment for the intermediation of comprehensive credit purchases with a brokerage agency of advance payment for the intermediation of comprehensive credit purchases), it is deemed that said seller for the intermediation of comprehensive credit purchases or said service provider for the intermediation of comprehensive credit purchases lacks in protection of the interests of users or Purchasers, etc. with regard to the business pertaining to the intermediation of comprehensive credit purchases;
四 前二号の規定による調査の結果に基づき、包括信用購入あつせんに係る業務に関し改善が必要な場合には、所要の措置を講じること。
(iv) in cases where it is necessary, based on the results of the investigation under the preceding two items, to make improvements to the business pertaining to the intermediation of comprehensive credit purchases, the comprehensive credit purchase intermediary shall take required measures.
(情報通信の技術を利用する方法)
(Means of Using Information and Communications Technology)
第六十一条 法第三十条の六において読み替えて準用する法第四条の二の経済産業省令で定める方法は、次に掲げる方法とする。
Article 61 (1) The means specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 4-2 of the Act as applied mutatis mutandis pursuant to Article 30-6 of the Act shall be the following:
一 電子情報処理組織を使用する方法のうちイ又はロに掲げるもの
(i) means of using an electronic data processing system listed in (a) or (b):
イ 包括信用購入あつせん業者、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の使用に係る電子計算機と利用者又は購入者等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、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
(a) means of sending a document through a telecommunication line connecting the computer used by the comprehensive credit purchase intermediary, the seller for the intermediation of comprehensive credit purchases, or the service provider for the intermediation of comprehensive credit purchases and the computer used by the user or the Purchaser, etc., and recording it in a file on the computer used by the recipient;
ロ 包括信用購入あつせん業者、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業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書面に記載すべき事項を電気通信回線を通じて利用者又は購入者等の閲覧に供し、当該利用者又は購入者等の使用に係る電子計算機に備えられたファイルに当該事項を記録する方法(法第三十条の六において読み替えて準用する法第四条の二前段に規定する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あつては、包括信用購入あつせん業者、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業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)
(b) means of providing the user or Purchaser, etc. with the matters to be indicated in a document which are recorded in a file on the computer used by the comprehensive credit purchase intermediary, the seller for the intermediation of comprehensive credit purchases, or the service provider for the intermediation of comprehensive credit purchases, for inspection through a telecommunication line, and recording said matters in a file on the computer used by said user or Purchaser, etc. (in the case of consenting or refusing to accept the provision of matters through the means prescribed in the first sentence of Article 4-2 of the Act as applied mutatis mutandis pursuant to Article 30-6 of the Act, means of recording to that effect in a file on the computer used by the comprehensive credit purchase intermediary, the seller for the intermediation of comprehensive credit purchases, or the service provider for the intermediation of comprehensive credit purchases);
二 磁気ディスク、シー・ディー・ロムその他これらに準ずる方法により一定の事項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書面に記載すべき事項を記録したものを交付する方法
(ii) means of delivering a file, prepared in the form of a magnetic disk, CD-ROM, or any other equivalent means that may reliably store certain matters, which contains the matters to be indicated in a document.
2 前項に掲げる方法は、利用者又は購入者等がファイルへの記録を出力することによる書面を作成できるものでなければならない。
(2) The means listed in the preceding paragraph shall be the one that allows the user or the Purchaser, etc. to prepare a document by outputting the contents recorded in the file.
3 第一項第一号の「電子情報処理組織」とは、包括信用購入あつせん業者、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の使用に係る電子計算機と、利用者又は購入者等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 "electronic data processing system" set forth in paragraph (1), item (i) shall mean the electronic data processing system that connects the computer used by the comprehensive credit purchase intermediary, the seller for the intermediation of comprehensive credit purchases, or the service provider for the intermediation of comprehensive credit purchases and the computer used by the user or the Purchaser, etc. through a telecommunication line.
第六十二条 令第二十三条において読み替えて準用する令第二条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 62 The type and details of the means to be indicated pursuant to the provisions of Article 2 of the Order as applied mutatis mutandis pursuant to Article 23 of the Order shall be the following matters:
一 前条第一項に規定する方法のうち包括信用購入あつせん業者、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者が使用するもの
(i) the means prescribed in paragraph (1) of the preceding Article that is used by the comprehensive credit purchase intermediary, the seller for the intermediation of comprehensive credit purchases, or the service provider for the intermediation of comprehensive credit purchases;
二 ファイルへの記録の方式
(ii) the method of recording in the file.
第二款 包括信用購入あつせん業者の登録等
Subsection 2 Registration, etc. of Comprehensive Credit Purchase Intermediaries
(登録の申請)
(Application for Registration)
第六十三条 法第三十二条第一項の申請書は、様式第十四によるものとする。
Article 63 (1) A written application as set forth in Article 32, paragraph (1) of the Act shall be prepared in accordance with Form 14.
2 法第三十二条第二項の経済産業省令で定める書類は、次のとおりとする。
(2) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (2) of the Act shall be as follows:
一 登録申請書提出日前一月以内の一定の日の現在において様式第二により作成した財産に関する調書並びに登録申請書提出日の直前事業年度の貸借対照表(関連する注記を含む。第九十九条第二項第一号本文において同じ。)、損益計算書(関連する注記を含む。同号において同じ。)及び株主資本等変動計算書(関連する注記を含む。同号において同じ。)又はこれらに代わる書面。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、会社法第四百三十五条第一項又は第六百十七条第一項の規定により成立のときに作成する貸借対照表(関連する注記を含む。第九十九条第二項第一号ただし書において同じ。)又はこれに代わる書面
(i) the record on the property prepared in accordance with Form 2 as of a certain day within one month prior to the day of submitting the written application for registration, and the balance sheet (including related notes; the same shall apply in the main clause of Article 99, paragraph (2), item (i)) and profit and loss statements (including related notes; the same shall apply in said item), and statements of changes in net assets (including related notes; the same shall apply in said item) for the business year immediately prior to the day of submitting the written application for registration, or any alternative documents; provided, however, that with regard to a corporation that has been established in the business year containing the day of filing the application for registration, the balance sheet (including related notes; the same shall apply in the proviso to Article 99, paragraph (2), item (i)) that is to be prepared upon the establishment of said corporation pursuant to the provisions of Article 435, paragraph (1) or Article 617, paragraph (1) of the Companies Act, or any alternative documents;
二 兼営事業がある場合には、その種類及び概要を記載した書面
(ii) in cases where there are any additional businesses, the documents stating the types and an outline thereof;
三 役員(法第三十二条第一項第四号に規定する役員をいう。第六十七条第二項第二号、第九十九条第二項第三号及び第百二条第二項第二号において同じ。)の履歴書(役員が法人であるときは、当該役員の沿革を記載した書面。第六十七条第二項第二号、第九十九条第二項第三号及び第百二条第二項第二号において同じ。)
(iii) curricula vitae of officers (meaning officers as prescribed in Article 32, paragraph (1), item (iv) of the Act; the same shall apply in Article 67, paragraph (2), item (ii), Article 99, paragraph (2), item (iii), and Article 102, paragraph (2), item (ii)) (when an officer is a corporation, the documents stating the history of said officer; the same shall apply in Article 67, paragraph (2), item (ii), Article 99, paragraph (2), item (iii), and Article 102, paragraph (2), item (ii));
四 株主若しくは社員の名簿及び親会社(会社法第二条第四号に規定する親会社をいう。以下同じ。)の株主若しくは社員の名簿又はこれらに代わる書面
(iv) the list of names of shareholders or members, and the list of names of shareholders or members of the parent company (meaning a parent company as prescribed in Article 2, item (iv) of the Companies Act; the same shall apply hereinafter), or any alternative documents;
五 加入指定信用情報機関の商号又は名称を記載した書面
(v) a document stating the trade names or names of participating designated credit information institutions;
六 特定信用情報提供契約を締結している特定信用情報提供等業務を行う者(加入指定信用情報機関を除く。第九十九条第二項第六号において同じ。)の商号又は名称を記載した書面
(vi) a document stating the trade names or names of persons that have concluded a specified credit information service contract and that perform the business of specified credit information services, etc. (excluding participating designated credit information institutions; the same shall apply in Article 99, paragraph (2), item (vi));
七 包括信用購入あつせんに係る業務に関する社内規則等(包括信用購入あつせん業者又はその役員(業務を執行する社員、取締役若しくは執行役又はこれらに準ずる者をいう。次条第一項第四号、第六十五条第三号、第九十九条第二項第七号及び第百条第三号において同じ。)、使用人その他の従業者が遵守すべき規則その他これに準ずるものであつて包括信用購入あつせん業者が作成するものをいう。第六十六条において同じ。)
(vii) the internal rules, etc. concerning the business pertaining to the intermediation of comprehensive credit purchases (meaning rules that are to be followed by the comprehensive credit purchase intermediary or its officers (meaning members, directors, or executive officers that execute the business or any equivalent persons; the same shall apply in paragraph (1), item (iv) of the following Article, Article 65, item (iii), Article 99, paragraph (2), item (vii), and Article 100, item (iii)), workers, and other employees, and other equivalent rules prepared by the comprehensive credit purchase intermediary; the same shall apply in Article 66);
八 包括信用購入あつせんに係る業務に関する組織図
(viii) an organization chart concerning the business pertaining to the intermediation of comprehensive credit purchases;
九 法第三十三条の二第一項第四号から第十号までの規定に該当しないことを誓約する書面
(ix) a document to pledge that the person does not fall under any of the provisions of Article 33-2, paragraph (1), items (iv) to (x) of the Act.
3 第十二条第三項の規定は、法第三十二条第三項の経済産業省令で定める電磁的記録に準用する。
(3) The provisions of Article 12, paragraph (3) shall apply mutatis mutandis to the electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (3) of the Act.
(取締役等と同等以上の支配力を有する者)
(A Person Having the Same or Greater Influence as Directors, etc.)
第六十四条 法第三十二条第一項第四号に規定する経済産業省令で定めるものは、次の各号のいずれかに該当するものとする。
Article 64 (1) The person specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (1), item (iv) of the Act shall be a person that falls under any of the following items:
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。以下この条において同じ。)の百分の二十五を超える議決権に係る株式又は出資(以下この条において「株式等」という。)を自己又は他人(仮設人を含む。次号において同じ。)の名義をもつて所有している個人
(i) an individual that holds shares or capital contributions (hereinafter referred to as "Shares, etc." in this Article) pertaining to 25 percent or more of the voting rights of all the shareholders, etc. of said corporation (meaning the voting rights of all shareholders, all members, or all contributors (with regard to a stock company, excluding the voting rights pertaining to the shares which cannot be exercised for all matters that are subject to a resolution at a general meeting of shareholders and including the voting rights pertaining to the shares for which the shareholder is deemed to have voting rights pursuant to the provisions of Article 879, paragraph (3) of the Companies Act); hereinafter the same shall apply in this Article) under their own name or the name of another person (including a temporary establisher; the same shall apply in the following item);
二 当該法人の親会社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 Shares, etc. pertaining to 50 percent or more of the voting rights of all the shareholders, etc. of the parent company of said corporation under their own name or the name of another person;
三 当該法人の業務を執行する社員又はこれ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 executing the business of said corporation or in cases where a person equivalent thereto is a corporation, a person that is to perform such duties;
四 当該法人の役員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) an officer of said corporation or in cases where any person listed 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(同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 cases set forth in item (i) or item (ii) of the preceding paragraph, the voting rights held by persons listed in these provisions shall include the voting rights pertaining to Shares, etc. that cannot be asserted against the issuer pursuant to the provisions of Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Book-Entry Transfer of Bonds, Shares, etc. (including 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 said Article) of said Act).
(不正な行為等をするおそれがあると認められる法人)
(A Juridical Person Deemed to be Likely to Conduct Illegal Acts, etc.)
第六十五条 法第三十三条の二第一項第九号に規定する経済産業省令で定めるものは、次の各号のいずれかに該当する法人とする。
Article 65 The corporation specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 33-2, paragraph (1), item (ix) of the Act shall be that which falls under any of the following items:
一 法第三十四条の二第一項各号又は第二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期間内に法第三十五条の三において準用する法第二十六条第一項の規定による届出をした法人(包括信用購入あつせんの営業の廃止について相当の理由のある法人を除く。以下この条において同じ。)で、当該届出の日から五年を経過しない法人
(i) a corporation which has made a notification under Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act during the period from the day on which a notice was given, pursuant to the provisions of Article 15 of the Administrative Procedure Act (Act No. 88 of 1993), pertaining to a disposition of rescission of registration on the grounds that the corporation falls under any of the items of paragraph (1) or the items of paragraph (2) of Article 34-2 of the Act to the day on which said disposition is made or it is determined not to make said disposition (such corporation shall exclude a corporation that has reasonable grounds for the abolition of its business of the intermediation of comprehensive credit purchases; hereinafter the same shall apply in this Article), and for which five years have not passed from the day of making said notification;
二 前号の期間内に法第三十五条の三において準用する法第二十六条第一項の規定による届出をした法人の業務を執行する社員又はこれに準ずる者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廃止の日までの間にその地位にあつたもの(法人に限る。)で、当該届出の日から五年を経過しない法人
(ii) a person that used to be a member executing the business or any equivalent person of a corporation that has made a notification under Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act during the period set forth in the preceding item, and that was in said position during the period from the day 30 days prior to the day on which a notice as set forth in the preceding item was given up to the day of abolishing said corporation (such person shall be limited to a corporation), and for which five years have not passed from the day of making said notification;
三 役員のうちに、第一号の期間内に法第三十五条の三において準用する法第二十六条第一項の規定による届出をした法人の役員であつた者であつて第一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者のある法人
(iii) a corporation which has, as one of its officers, a person that used to be an officer of a corporation that has made a notification under Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act during the period set forth in item (i), and that was in said position during the period from the day 30 days prior to the day on which a notice as set forth in item (i) was given up to the day of abolishing said corporation, and for which five years have not passed from the day of making said notification.
(包括信用購入あつせんの公正かつ適確な実施を確保するために必要な体制)
(Systems Necessary for Securing Fair and Proper Performance of the Intermediation of Comprehensive Credit Purchases)
第六十六条 法第三十三条の二第一項第十号に規定する経済産業省令で定める体制は、次のとおりとする。
Article 66 (1) The systems specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 33-2, paragraph (1), item (x) of the Act shall be as follows:
一 法第三十条の二第一項本文に規定する調査、法第三十五条の十六第一項及び第四項に規定する措置その他法に定める措置の円滑な実施を確保するために必要な体制
(i) a system necessary for securing the smooth implementation of an investigation as prescribed in the main clause of Article 30-2, paragraph (1) of the Act, measures prescribed in Article 35-16, paragraph (1) and paragraph (4) of the Act, and other measures specified in the Act;
二 利用者又は購入者等の苦情を適切かつ迅速に処理するために必要な体制
(ii) a system necessary for appropriately and promptly processing complaints from users or Purchasers, etc.;
三 包括信用購入あつせんの公正かつ適確な実施を確保するため十分な社内規則等を定めていること。
(iii) sufficient internal rules, etc. shall be established so as to secure the fair and proper performance of the intermediation of comprehensive credit purchases;
四 法若しくは法の規定に基づく命令又は社内規則等を遵守するために必要な体制
(iv) a system necessary for complying with the provisions of the Act, orders based on the provisions of the Act, or internal rules, etc.;
2 前項第三号の社内規則等は包括信用購入あつせんに係る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, etc. set forth in item (iii) of the preceding paragraph shall include provisions that clarify allocation of responsibility concerning the operation of the intermediation of comprehensive credit purchases.
(変更登録の申請)
(Application for Registration of Change)
第六十七条 法第三十三条の三第一項の申請書は、様式第十五によるものとする。
Article 67 (1) A written application as set forth in Article 33-3, paragraph (1) of the Act shall be prepared in accordance with Form 15.
2 法第三十三条の三第二項において準用する法第三十二条第二項の経済産業省令で定める書類は、次のとおりとする。
(2) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 33-3, paragraph (2) of the Act shall be as follows:
一 その変更に係る事項を証する書類
(i) a document certifying the matters pertaining to the change;
二 その変更が新たに就任した役員に係るものであるときは、当該役員の履歴書及び第六十三条第二項第九号に掲げる書面(法第三十三条の二第一項第六号に係るものに限る。)
(ii) when the change pertains to an officer that has newly taken office, the curriculum vitae of said officer, and a document listed in Article 63, paragraph (2), item (ix) (limited to a document pertaining to Article 33-2, paragraph (1), item (vi) of the Act).
(準用規定)
(Provisions to be Applied Mutatis Mutandis)
第六十八条 第十四条から第十六条まで、第二十五条及び第二十六条の規定は、包括信用購入あつせんを業として営む場合に準用する。この場合において、第十四条中「法第十六条第二項(法第十八条第二項及び第二十二条第三項において準用する場合を含む。)」とあるのは「法第三十五条の三並びに同条において準用する法第十八条第二項及び第二十二条第三項において準用する法第十六条第二項」と、第十五条及び第十六条第一項中「法第十七条第二項(法第十八条第二項、第十八条の三第五項、第二十二条第三項及び第二十二条の二第三項において準用する場合を含む。)」とあるのは「法第三十五条の三並びに同条において準用する法第十八条第二項、第二十二条第三項及び第二十二条の二第三項において準用する法第十七条第二項」と、第二十五条中「法第二十四条(法第二十六条において準用する場合を含む。)」とあるのは「法第三十五条の三において準用する法第二十四条」と、第二十六条中「法第二十六条第一項」とあるのは「法第三十五条の三において準用する法第二十六条第一項」と読み替えるものとする。
Article 68 The provisions of Articles 14 to 16, Article 25, and Article 26 shall apply mutatis mutandis to the case of engaging in the intermediation of comprehensive credit purchases in the course of trade. In this case, the term "Article 16, paragraph (2) of the Act (including cases where applied mutatis mutandis pursuant to Article 18, paragraph (2) and Article 22, paragraph (3) of the Act)" in Article 14 shall be deemed to be replaced with "Article 35-3 of the Act, and Article 16, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 18, paragraph (2) and Article 22, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act"; the term "Article 17, paragraph (2) of the Act (including cases where applied mutatis mutandis pursuant to Article 18, paragraph (2), Article 18-3, paragraph (5), Article 22, paragraph (3), and Article 22-2, paragraph (3) of the Act)" in Article 15 and Article 16, paragraph (1) shall be deemed to be replaced with "Article 35-3 of the Act, and Article 17, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 18, paragraph (2), Article 22, paragraph (3), and Article 22-2, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act"; the term "Article 24 of the Act (including cases where applied mutatis mutandis pursuant to Article 26 of the Act)" in Article 25 shall be deemed to be replaced with "Article 24 of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act"; and the term "Article 26, paragraph (1) of the Act" in Article 26 shall be deemed to be replaced with "Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act."
第二節 個別信用購入あつせん
Section 2 Intermediation of Individual Credit Purchases
第一款 業務
Subsection 1 Business
(個別信用購入あつせんの取引条件の表示)
(Indication of the Conditions for the Intermediation of Individual Credit Purchases)
第六十九条 法第三十五条の三の二第一項各号の事項を示すときは、次の各号に定めるところによらなければならない。ただし、同項第四号の事項にあつては、支払分の支払の方法が購入者等の要求により支払の間隔については第三十六条第二項第一号に、額については同項第二号に該当する場合以外の場合になつたとき又は個別信用購入あつせんの手数料が二千五百円未満のときは、示さないことができる。この場合において、同項中「包括信用購入あつせん関係受領契約」とあるのは、「個別信用購入あつせん関係受領契約」と読み替えるものとする。
Article 69 (1) The matters set forth in the items of Article 35-3-2, paragraph (1) of the Act shall be indicated as specified in the following items; provided, however, that the matters set forth in item (iv) of said paragraph may be omitted in cases where the interval of making the payments is other than those specified in Article 36, paragraph (2), item (i) and the amount of the payments is other than those specified in item (ii) of said paragraph as requested by a Purchaser, etc., or where the fee for the intermediation of individual credit purchases is less than 2,500 yen. In this case, the term "a contract for receiving the intermediation of comprehensive credit purchases" in said paragraph shall be deemed to be replaced with "a contract for receiving the intermediation of individual credit purchases":
一 営業所等において見やすい方法により掲示し、又は書面により提示すること。
(i) the matters shall be displayed by readily visible means at a Business Office, etc. or in writing;
二 次の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(ii) the terms listed in the left-hand column of the following table shall be used, with the meanings as defined respectively in the right-hand column of said table:
用語
Term
定義
Definition
現金販売価格
Selling price in cash
商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights upon the delivery of goods or the transfer of rights
現金提供価格
offering price in cash
役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the value of the services upon the conclusion of the contract to offer services
現金価格
price in cash
商品の引渡し若しくは権利の移転又は役務を提供する契約の締結と同時にその代金又は対価の全額を受領する場合の価格
the price in the case of receiving the full amount of the charge for the goods or rights or the value of the services upon the delivery of goods or the transfer of rights or upon the conclusion of the contract to offer services
支払総額
total amount of the payment
購入した商品若しくは権利の現金販売価格又は提供を受ける役務の現金提供価格及び個別信用購入あつせんの手数料の合計額
the sum of the selling price in cash of the goods or rights purchased or the offering price in cash of the services to be received plus fees for the intermediation of individual credit purchases
頭金
initial deposit
個別信用購入あつせん関係販売契約又は個別信用購入あつせん関係役務提供契約(以下「個別信用購入あつせん関係販売等契約」という。)の締結に際し購入者等が個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者に支払う金額
the amount of money that the Purchaser, etc. pays to the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases upon the conclusion of the sales contract for the intermediation of individual credit purchases or a service contract for the intermediation of individual credit purchases (hereinafter referred to as the "Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases")
申込金
application fee
購入者等が個別信用購入あつせん関係販売等契約の予約を目的として個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者に支払う金額であつて、契約が締結された場合には頭金に充当され、契約が締結されなかつた場合には返還されるもの
the amount of money that the Purchaser, etc. pays to the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases for the purpose of making a reservation for the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases and which is to be allocated for the initial deposit when the contract is concluded or to be returned when the contract is not concluded
支払期間
Period of payment
個別信用購入あつせん関係受領契約が締結された時から当該契約に基づく支払分の支払が完了する時までの期間
the period from the time when the contract for receiving the intermediation of individual credit purchases is concluded to the time when the payments based on said contract are completed
支払回数
number of payments
個別信用購入あつせんに係る頭金を除いた商品若しくは権利の代金又は役務の対価の支払回数
the number of payments of the charge for the goods or rights or the value of the services, excluding the initial deposit for the intermediation of individual credit purchases
分割回数
number of installments
個別信用購入あつせんの手数料
fee for the intermediation of individual credit purchases
金利、信用調査費、集金費、事務管理費、貸倒補てん費その他何らの名義をもつてするを問わず個別信用購入あつせんに係る手数料として個別信用購入あつせん業者が購入者等に対し支払わせるものの総額(登記等手数料を個別信用購入あつせんの手数料に含めない旨が明示されているときは、登記等手数料を控除した額)
the total amount of money that the individual credit purchase intermediary requests the Purchaser, etc. to pay as the fee for the intermediation of individual credit purchases, whatever their names, such as interest, credit check expenses, collection expenses, administrative expenses, bad debt expenses, and the like (when it is clearly stated that any Fee for Registration, etc. shall not be included in the fee for the intermediation of individual credit purchases, the amount that remains after deducting the Fee for Registration, etc.)
分割払手数料
fee for installment payments
実質年率
annualized rate in real terms
次項の規定により算定した個別信用購入あつせんの手数料の料率
the rate of the fee for the intermediation of individual credit purchases calculated as prescribed in the following paragraph
支払分
payments
個別信用購入あつせんに係る各回ごとの商品若しくは権利の代金又は役務の対価(個別信用購入あつせんの手数料を含む。)の支払金額
the amount of each installment payment of the charge for the goods or rights or the value of the services pertaining to the intermediation of individual credit purchases (including the fee for the intermediation of individual credit purchases)
分割支払額
the amount of installment payments
分割支払金
installment payments
三 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ること。
(iii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
四 法第三十五条の三の二第一項第四号の事項は、次項に規定する方法により算定した個別信用購入あつせんの手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iv) the matters set forth in Article 35-3-2, paragraph (1), item (iv) of the Act shall be indicated as the rate of the fee for the intermediation of individual credit purchases calculated as prescribed in the following paragraph, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
2 法第三十五条の三の二第一項第四号の経済産業省令で定める方法は、別表第一第一号に定める方法とする。ただし、支払分の支払の方法が、支払の間隔については第三十六条第二項第一号に、額については同項第二号に該当する場合以外の場合にあつては、同表第二号に定める方法とすることができる。この場合において、同項中「包括信用購入あつせん関係受領契約」とあるのは、「個別信用購入あつせん関係受領契約」と読み替えるものとする。
(2) The method specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-2, paragraph (1), item (iv) of the Act shall be the method specified in item (i) of appended table 1; provided, however, that said method may be the method specified in item (ii) of said table in cases where the interval of making payments is other than those specified in Article 36, paragraph (2), item (i), and the amount of the payments is other than those specified in item (ii) of said paragraph. In this case, the term "a contract for receiving the intermediation of comprehensive credit purchases" in said paragraph shall be deemed to be replaced with "a contract for receiving the intermediation of individual credit purchases."
第七十条 法第三十五条の三の二第二項の規定により、個別信用購入あつせんに係る販売又は提供の方法により商品若しくは指定権利を販売する場合の販売条件又は役務を提供する場合の提供条件について広告するときは、同条第一項各号の事項について次の各号に定めるところにより表示しなければならない。ただし、同条第一項第四号の事項にあつては、個別信用購入あつせんの手数科が二千五百円未満のときは、表示しないことができる。
Article 70 When a seller for the intermediation of individual credit purchases or a service provider for the intermediation of individual credit purchases advertises, pursuant to the provisions of Article 35-3-2, paragraph (2) of the Act, the conditions for the sale in the case of selling goods or designated rights or for providing services by the method of sales or provision pertaining to the intermediation of individual credit purchases, it shall indicate the relevant matters set forth respectively in the items of paragraph (1) of said Article as specified in the following items; provided, however, that the matters set forth in paragraph (1), item (iv) of said Article may be omitted in cases where the fee for the intermediation of individual credit purchases is less than 2,500 yen:
一 前条第一項第二号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of paragraph (1), item (ii) of the preceding Article shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 書面により広告を行う場合にあつては、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ること。
(ii) where the advertisement is made in writing, letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used;
三 法第三十五条の三の二第一項第四号の事項は、前条第二項に規定する方法により算定した個別信用購入あつせんの手数料の料率を年利建てで少なくとも〇・一パーセントの単位まで示し、かつ、当該料率以外の料率を示さないこと。
(iii) the matters set forth in Article 35-3-2, paragraph (1), item (iv) of the Act shall be indicated as the rate of the fee for the intermediation of individual credit purchases calculated as prescribed respectively in paragraph (2) of the preceding Article, on an annual rate basis, down to at least three decimal places, and no other rates shall be indicated.
(個別支払可能見込額の調査等)
(Investigation into the Projected Individual Acceptable Amount)
第七十一条 法第三十五条の三の三第一項本文の経済産業省令で定める事項は、次のとおりとする。
Article 71 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in the main clause of Article 35-3-3, paragraph (1) of the Act shall be as follows:
一 年収
(i) the annual income;
二 預貯金
(ii) the balance of deposits or savings;
三 信用購入あつせんに係る債務の支払の状況
(iii) the payment status with regard to obligations pertaining to the intermediation of credit purchases;
四 借入れの状況
(iv) the loan status;
五 個別信用購入あつせんに係る購入の方法により購入される商品の価額
(v) the value of goods to be purchased by the method of purchases pertaining to the intermediation of individual credit purchases;
六 前各号に掲げるもののほか、個別支払可能見込額の算定に影響を与える事項であつて客観的に判断することができるもの
(vi) in addition to what are listed in the preceding items, other matters affecting the calculation of the projected individual acceptable amount that can be judged objectively.
第七十二条 法第三十五条の三の三第一項本文の規定により前条各号に掲げる事項を調査するときは、次項から第七項までに定めるところによる。
Article 72 (1) In cases where an individual credit purchase intermediary investigates the matters listed in the items of the preceding Article, pursuant to the provisions of the main clause of Article 35-3-3, paragraph (1) of the Act, it shall follow the rules specified in the following paragraph to paragraph (7).
2 前条第一号に掲げる事項の調査については、購入者等から受ける年収の申告(申告を受けることができない場合にあつては、当該購入者等から申告を受けた年齢、勤務先等の情報による年収の合理的な推定)によらなければならない。ただし、次に掲げる者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合(第一号に掲げる者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合であつて同号ロに掲げる場合にあつては事前に書面その他の適切な方法により当該者の配偶者の同意を得たとき、第二号又は第三号に掲げる者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合にあつては事前に書面その他の適切な方法により第二号に規定する親族又は当該者の配偶者の同意を得たときに限る。)には、次の各号に定めるところによることができる。
(2) An investigation into the matters listed in item (i) of the preceding Article shall be based on a report of the annual income by a Purchaser, etc. (when such report cannot be obtained, based on a presumption of the annual income made rationally by information such as the age of the Purchaser, etc. as of the time of obtaining a report or place of employment of the Purchaser, etc.); provided, however, that in cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases with any person listed as follows (limited to cases where prior consent has been obtained in writing or by any other appropriate means from the spouse when intending to conclude a contract for receiving the intermediation of individual credit purchases with a person as listed in item (i) and when falling under the cases listed in (b) of said item, or from a relative as prescribed in item (ii) or the spouse when intending to conclude a contract for receiving the intermediation of individual credit purchases with a person as listed in item (ii) or item (iii)), it may follow the rules specified in the following items:
一 特定配偶者 次に掲げる場合には、次に定めるところにより、当該特定配偶者及びその配偶者の年収を合算して算定すること。
(i) a Dependent Spouse: in the following cases, making a calculation by totaling the annual income of said Dependent Spouse and their spouse as specified as follows:
イ 個別信用購入あつせんに係る販売の方法により日常生活において必要とされる商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により日常生活において必要とされる役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合 特定配偶者から受けるその配偶者の年収の申告(申告を受けることができない場合にあつては、当該特定配偶者から申告を受けたその配偶者の年齢、勤務先等の情報による年収の合理的な推定)によること。
(a) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or designated rights that are deemed to be necessary for everyday life by the method of sales pertaining to the intermediation of individual credit purchases or a contract to provide services that are deemed to be necessary for everyday life by the method of provision pertaining to the intermediation of individual credit purchases: based on a report by the Dependent Spouse concerning the annual income of their spouse (when such report by said Dependent Spouse cannot be obtained, based on a presumption of their spouse's annual income made rationally by information such as the age of their spouse as of the time of obtaining a report by said Dependent Spouse or their spouse's place of employment);
ロ 個別信用購入あつせんに係る販売の方法により商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合 その配偶者から受ける当該配偶者の年収の申告(申告を受けることができない場合にあつては、当該配偶者から申告を受けた当該配偶者の年齢、勤務先等の情報による年収の合理的な推定)によること。
(b) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or designated rights by the method of sales pertaining to the intermediation of individual credit purchases or a contract to provide services by the method of provision pertaining to the intermediation of individual credit purchases: based on a report by the spouse concerning the spouse's own annual income (when such report cannot be obtained, based on a presumption of the spouse's annual income made rationally by information such as the age of the spouse as of the time of obtaining a report by the spouse or the spouse's place of employment);
二 二親等内の親族の収入により生計を維持している者 当該親族から受ける当該親族の年収の申告(申告を受けることができない場合にあつては、当該親族から申告を受けた当該親族の年齢、勤務先等の情報による年収の合理的な推定)により、当該者及び当該親族の年収を合算して算定すること。
(ii) a person who makes a living by depending on the income of a relative within the second degree of kinship: making a calculation, based on a report by said relative concerning said relative's own annual income (when such report cannot be obtained, based on a presumption of the relative's annual income made rationally by information such as the age of the relative as of the time of obtaining a report by the relative or the relative's place of employment), by totaling the annual income of said person and that of said relative;
三 その収入及びその配偶者の収入により生計を維持している者 当該配偶者から受ける当該配偶者の年収の申告(申告を受けることができない場合にあつては、当該配偶者から申告を受けた当該配偶者の年齢、勤務先等の情報による年収の合理的な推定)により、当該者及び当該配偶者の年収を合算して算定すること。
(iii) a person who makes a living by their own income and the income of their spouse: making a calculation, based on a report by said spouse concerning the spouse's own annual income (when such report cannot be obtained, based on a presumption of the spouse's annual income made rationally by information such as the age of the spouse as of the time of obtaining a report by the spouse or the spouse's place of employment), by totaling the annual income of said person and that of their spouse.
3 前条第二号に掲げる事項の調査については、購入者等の利益の保護を図るため必要があると認める場合には、当該購入者等から受ける預貯金の申告によらなければならない。ただし、次に掲げる者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合(第一号に掲げる者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合であつて同号ロに掲げる場合にあつては事前に書面その他の適切な方法により当該者の配偶者の同意を得たとき、第二号又は第三号に掲げる者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合にあつては事前に書面その他の適切な方法により第二号に規定する親族又は当該者の配偶者の同意を得たときに限る。)には、次の各号に定めるところによることができる。
(3) When it is deemed to be necessary for protecting the interests of a Purchaser, etc., an investigation into the matters listed in item (ii) of the preceding Article shall be based on a report of the balance of deposits or savings by said Purchaser, etc.; provided, however, that in cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases with any person listed as follows (limited to cases where prior consent has been obtained in writing or by any other appropriate means from the spouse when intending to conclude a contract for receiving the intermediation of individual credit purchases with a person as listed in item (i) and when falling under the cases listed in (b) of said item, or from a relative as prescribed in item (ii) or the spouse when intending to conclude a contract for receiving the intermediation of individual credit purchases with a person as listed in item (ii) or item (iii)), it may follow the rules specified in the following items:
一 特定配偶者 次に掲げる場合には、次に定めるところにより、当該特定配偶者及びその配偶者の預貯金を合算して算定すること。
(i) a Dependent Spouse: in the following cases, making a calculation by totaling the balance of deposits or savings of said Dependent Spouse and their spouse as specified as follows:
イ 個別信用購入あつせんに係る販売の方法により日常生活において必要とされる商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により日常生活において必要とされる役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合 当該特定配偶者の利益の保護を図るため必要があると認める場合には、当該特定配偶者から受けるその配偶者の預貯金の申告によること。
(a) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or designated rights that are deemed to be necessary for everyday life by the method of sales pertaining to the intermediation of individual credit purchases or a contract to provide services that are deemed to be necessary for everyday life by the method of provision pertaining to the intermediation of individual credit purchases: when it is deemed to be necessary for protecting the interests of said Dependent Spouse, based on a report by the Dependent Spouse concerning the balance of deposits or savings of their spouse;
ロ 個別信用購入あつせんに係る販売の方法により商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合 当該特定配偶者の利益の保護を図るため必要があると認める場合には、その配偶者から受ける当該配偶者の預貯金の申告によること。
(b) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or designated rights by the method of sales pertaining to the intermediation of individual credit purchases or a contract to provide services by the method of provision pertaining to the intermediation of individual credit purchases: when it is deemed to be necessary for protecting the interests of said Dependent Spouse, based on a report by the spouse concerning the spouse's own balance of deposits or savings;
二 二親等内の親族の収入により生計を維持している者 当該者の利益の保護を図るため必要があると認める場合には、当該親族から受ける当該親族の預貯金の申告により、当該者及び当該親族の預貯金を合算して算定すること。
(ii) a person who makes a living by depending on the income of a relative within the second degree of kinship: when it is deemed to be necessary for protecting the interests of said person, making a calculation, based on a report by said relative concerning said relative's own balance of deposits or savings, by totaling the balance of deposits or savings of said person and that of said relative;
三 その収入及びその配偶者の収入により生計を維持している者 当該者の利益の保護を図るため必要があると認める場合には、当該配偶者から受ける当該配偶者の預貯金の申告により、当該者及び当該配偶者の預貯金を合算して算定すること。
(iii) a person who makes a living by their own income and the income of their spouse: when it is deemed to be necessary for protecting the interests of said person, making a calculation, based on a report by the spouse concerning the spouse's own balance of deposits or savings, by totaling the balance of deposits or savings of said person and that of their spouse.
4 前条第三号に掲げる事項の調査については、購入者等の当該個別信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して行わなければならない。ただし、次に掲げる者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合であつて、前二項の規定により、特定配偶者及びその配偶者の年収若しくは預貯金を合算して算定するとき、二親等内の親族の収入により生計を維持している者及び当該親族の年収若しくは預貯金を合算して算定するとき又はその収入及びその配偶者の収入により生計を維持している者並びに当該配偶者の年収若しくは預貯金を合算して算定するときは、次の各号に定めるところによらなければならない。
(4) An investigation into the matters listed in item (iii) of the preceding Article shall be carried out by confirming the payment status of a Purchaser, etc. with regard to obligations pertaining to the intermediation of credit purchases to said individual credit purchase intermediary; provided, however, that in cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases with any person listed as follows, and when it makes a calculation by totaling the annual income or the balance of deposits or savings of a Dependent Spouse and the annual income or the balance of deposits or savings of their spouse, when it makes a calculation by totaling the annual income or the balance of deposits or savings of a person who makes a living by depending on the income of a relative within the second degree of kinship and the annual income or the balance of deposits or savings of said relative, or when it makes a calculation by totaling the annual income or the balance of deposits or savings of a person who makes a living by their own income and the income of their spouse and the annual income or the balance of deposits or savings of said spouse, pursuant to the provisions of the preceding two paragraphs, the individual credit purchase intermediary shall follow the rules specified in the following items:
一 特定配偶者 次に掲げる場合には、次に定めるところにより、当該特定配偶者及びその配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定すること。
(i) a Dependent Spouse: in the following cases, making a calculation by totaling the obligation pertaining to the intermediation of credit purchases of said Dependent Spouse and their spouse which has not yet become due or for which the payment obligations have not been performed, as specified as follows;
イ 個別信用購入あつせんに係る販売の方法により日常生活において必要とされる商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により日常生活において必要とされる役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合 当該特定配偶者から受けるその配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法によること。
(a) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or designated rights that are necessary for everyday life by the method of sales pertaining to the intermediation of individual credit purchases or a contract to provide services that are necessary for everyday life by the method of provision pertaining to the intermediation of individual credit purchases: based on a report by said Dependent Spouse concerning their spouse's obligation pertaining to the intermediation of credit purchases which has not yet become due or for which the payment obligations have not been performed, or by any other appropriate means;
ロ 個別信用購入あつせんに係る販売の方法により商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合 その配偶者から受ける当該配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法によること。
(b) cases where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or designated rights by the method of sales pertaining to the intermediation of individual credit purchases or a contract to provide services by the method of provision pertaining to the intermediation of individual credit purchases: based on a report by the spouse concerning the spouse's own obligation pertaining to the intermediation of credit purchases which has not yet become due or for which the payment obligations have not been performed, or by any other appropriate means;
二 二親等内の親族の収入により生計を維持している者 当該親族から受ける当該親族の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法により、当該者及び当該親族の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定すること。
(ii) a person who makes a living by depending on the income of a relative within the second degree of kinship: making a calculation by totaling the obligation pertaining to the intermediation of credit purchases of said person and said relative which has not yet become due or for which the payment obligations have not been performed, based on a report by said relative concerning said relative's own obligation pertaining to the intermediation of credit purchases which has not yet become due or for which the payment obligations have not been performed, or by any other appropriate means;
三 その収入及びその配偶者の収入により生計を維持している者 当該配偶者から受ける当該配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法により、当該者及び当該配偶者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定すること。
(iii) a person who makes a living by their own income and the income of their spouse: making a calculation by totaling the obligation pertaining to the intermediation of credit purchases of said person and the spouse which has not yet become due or for which the payment obligations have not been performed, based on a report by the spouse concerning the spouse's own obligation pertaining to the intermediation of credit purchases which has not yet become due or for which the payment obligations have not been performed, or by any other appropriate means.
5 前条第四号に掲げる事項の調査については、購入者等の当該個別信用購入あつせん業者からの借入れの状況その他の当該購入者等の借入れの状況を勘案して行わなければならない。
(5) An investigation into the matters listed in item (iv) of the preceding Article shall be carried out by taking into consideration the loan status of a Purchaser, etc. from said individual credit purchase intermediary and any other loan status of the Purchaser, etc.
6 前条第五号に掲げる事項の調査については、当該商品と同種の商品を換価して得ることが見込まれる額等を勘案して合理的に算定(算定を適切に行うことができないと認める場合を除く。)しなければならない。
(6) An investigation into the matters listed in item (v) of the preceding Article shall be carried out by making a calculation rationally, taking into consideration the amount that is likely to be obtained when realizing goods of the same type as said goods (excluding cases where a proper calculation is deemed to be impossible).
7 前条第六号に掲げる事項の調査については、購入者等から受ける当該事項の申告その他の適切な方法により行わなければならない。
(7) An investigation into the matters listed in item (vi) of the preceding Article shall be carried out based on a report by a Purchaser, etc. concerning said matters or by any other appropriate means.
第七十三条 法第三十五条の三の三第一項ただし書の経済産業省令で定める場合は、特定契約(法第三十五条の三の五第一項各号のいずれかに該当する契約をいう。以下同じ。)以外の契約であつて、個別信用購入あつせんに係る販売の方法により耐久性を有し、かつ、定型的な条件で販売するのに適する商品で生活に必要とされるもの(購入者(個人である購入者に限る。以下この項及び第七十四条第一項第二号において同じ。)の支払総額が十万円以下である商品に限る。)を販売する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合(指定信用情報機関が保有する特定信用情報を使用することにより、当該契約を締結しようとする時点において当該購入者の支払の義務が履行されないと認めるとき又は個別信用購入あつせんに係る販売の方法により生活に必要とされない分量の商品を販売する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとするときを除く。)とする。
Article 73 (1) The cases specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in the proviso to Article 35-3-3, paragraph (1) of the Act shall be the cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract other than a specified contract (meaning a contract falling under any of the items of Article 35-3-5, paragraph (1) of the Act; the same shall apply hereinafter) to sell goods that are deemed to be necessary for life and are durable and suitable for the sales under regular conditions (limited to goods for which a purchaser (limited to a purchaser who is an individual; hereinafter the same shall apply in this paragraph, and Article 74, paragraph (1), item (ii)) is to pay not more than 100,000 yen in total) by the method of sales pertaining to the intermediation of individual credit purchases (excluding cases where it is deemed, by using the specified credit information held by the designated credit information institution, that the purchaser's payment obligations will not be performed as of the time of concluding said contract, or where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods of the quantity deemed to be unnecessary for life by the method of sales pertaining to the intermediation of individual credit purchases).
2 個別信用購入あつせん業者は、前項に定める場合には、購入者ごとに、次の各号に掲げる事項の記録を、書面又は電磁的記録をもつて作成し、個別信用購入あつせん関係受領契約に定められた最終の支払期日(当該契約に基づく個別信用購入あつせんに係る債務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)までの間保存しなければならない。
(2) An individual credit purchase intermediary shall, in the cases prescribed in the preceding paragraph, prepare a record on the matters listed in the following items for each purchaser, by means of documents or electromagnetic records, and shall preserve said record up to the final due date specified under the contract for receiving the intermediation of individual credit purchases (when the obligation pertaining to the intermediation of individual credit purchases under said contract has been extinguished through the payment thereof or on other grounds, the day of the extinguishment):
一 契約年月日
(i) the date of the contract;
二 当該契約が特定契約以外の契約であること。
(ii) the fact that said contract is a contract other than a specified contract;
三 個別信用購入あつせんに係る販売の方法により販売する商品名及びその数量
(iii) the name and the quantity of the goods to be sold by the method of sales pertaining to the intermediation of individual credit purchases;
四 購入者の支払総額
(iv) the total amount of the payment by the purchaser;
五 指定信用情報機関が保有する特定信用情報を使用して行つた調査の結果
(v) the results of the investigation carried out by using the specified credit information held by the designated credit information institution.
3 第四十四条の規定は、法第三十五条の三の三第二項の経済産業省令で定める資産に準用する。
(3) The provisions of Article 44 shall apply mutatis mutandis to assets specified by Ordinance of the Ministry of Economy, Trade and Industry as set forth in Article 35-3-3, paragraph (2) of the Act.
第七十三条の二 法第三十五条の三の三第四項の規定により、個別信用購入あつせん業者は、購入者等ごとに、次に掲げる事項の記録を、書面又は電磁的記録をもつて作成し、個別信用購入あつせん関係受領契約に定められた最終の支払期日(当該契約に基づく個別信用購入あつせんに係る債務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)までの間保存しなければならない。
Article 73-2 An individual credit purchase intermediary shall, pursuant to the provisions of Article 35-3-3, paragraph (4) of the Act, prepare a record on the following matters for each Purchaser, etc. by means of documents or electromagnetic records, and shall preserve said record up to the final due date specified under the contract for receiving the intermediation of individual credit purchases (when the obligation pertaining to the intermediation of individual credit purchases under said contract has been extinguished through the payment thereof or on other grounds, the day of the extinguishment):
一 契約年月日
(i) the date of the contract;
二 購入者等の支払総額
(ii) the total amount of the payment by the Purchaser, etc.;
三 法第三十五条の三の三第一項本文の規定による調査の結果(法第三十五条の三の三第三項の規定により、指定信用情報機関が保有する特定信用情報を使用して行つた調査の結果を含む。)
(iii) the results of the investigation under the main clause of Article 35-3-3, paragraph (1) of the Act (including the results of the investigation carried out by using the specified credit information held by the designated credit information institution, pursuant to the provisions of Article 35-3-3, paragraph (3) of the Act);
四 第七十二条第二項各号列記以外の部分又は第三項各号列記以外の部分の同意を得たときは、当該同意に関する事項
(iv) when consent has been obtained concerning the part other than those listed in the items of Article 72, paragraph (2) or the part other than those listed in the items of paragraph (3), the matters concerning said consent;
五 その他法第三十五条の三の三第一項本文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 the main clause of Article 35-3-3, paragraph (1) of the Act or a copy thereof.
(個別支払可能見込額を超える場合の個別信用購入あつせん関係受領契約の締結の禁止に係る購入者等の保護に支障を生ずることがない場合)
(Cases Causing No Hindrances with the Protection of Purchasers, etc. Pertaining to the Prohibition of Conclusion of a Contract for Receiving the Intermediation of Individual Credit Purchases in Cases Exceeding the Projected Individual Acceptable Amount)
第七十四条 法第三十五条の三の四ただし書の経済産業省令で定める場合は、次に掲げる場合とする。
Article 74 (1) The cases specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in the proviso to Article 35-3-4 of the Act shall be the cases listed as follows:
一 第七十三条第一項に定める場合
(i) cases specified in Article 73, paragraph (1);
二 個別信用購入あつせんに係る販売の方法により耐久性を有し、かつ、定型的な条件で販売するのに適する商品で生活に必要とされるものを販売する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合であつて、当該商品の用途、過去の同種の商品の利用の状況その他の購入者が当該商品を生活において必要とする事情及び当該購入者の生活の状況に関し当該購入者から調査した事項並びに法第三十五条の三の三第一項本文の規定による調査により得られた事項に基づき、当該商品が当該購入者の生活に必要であること及び当該購入者が当該商品を購入する意思を有すること並びに当該購入者の支払総額及び当該商品の数量が当該購入者の生活水準に照らして相当であることを確認した場合
(ii) cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods that are deemed to be necessary for everyday life and are durable and suitable for selling under regular conditions, and it has been confirmed, based on the information obtained from the purchaser concerning the usage of said goods, how the purchaser used goods of the same type in the past, any other reasons that the purchaser needs said goods in life, and the circumstances of the purchaser's life, and on the information obtained through an investigation under the main clause of Article 35-3-3 paragraph (1) of the Act, that said goods are necessary for the purchaser's life, that the purchaser has the intention of purchasing said goods, and that the total amount to be paid by the purchaser and the quantity of said goods are reasonable in light of the living standards of the purchaser;
三 個別信用購入あつせんに係る提供の方法により役務の提供を受ける者(個人である役務の提供を受ける者に限る。以下この号において同じ。)又は当該役務の提供を受ける者の親族で当該役務の提供を受ける者と生計を一にする者を対象とする学力の教授を提供する契約(法第三十五条の三の五第一項第四号に規定する特定継続的役務提供等契約(以下「特定継続的役務提供等契約」という。)を除く。)に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合であつて、当該役務の提供を受ける者が当該役務を必要とする事情及び当該役務の提供を受ける者の生活の状況に関し当該役務の提供を受ける者から調査した事項並びに法第三十五条の三の三第一項本文の規定による調査により得られた事項に基づき、当該役務の提供を受ける者が当該役務を必要とすること及び当該役務の提供を受ける意思を有すること並びに当該役務の提供を受ける者の支払総額及び当該役務の回数又は期間が当該役務の提供を受ける者の生活水準に照らして相当であることを確認した場合
(iii) cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that pertains to a contract to provide lessons of academic skills for a service recipient (limited to a service recipient who is an individual; hereinafter the same shall apply in this item) or a relative of the service recipient who has the same livelihood as the service recipient (excluding a specified continuous service contract as prescribed in Article 35-3-5, paragraph (1), item (iv) of the Act (hereinafter referred to as a "Specified Continuous Service Contract")) by the method of provision pertaining to the intermediation of individual credit purchases, and it has been confirmed, based on the information obtained from the service recipient concerning the reasons that the service recipient needs said services, and the circumstances of the service recipient's life, and on the information obtained through an investigation under the main clause of Article 35-3-3, paragraph (1) of the Act, that said services are necessary for the service recipient, that the service recipient has the intention of being provided with said services, and that the total amount to be paid by the service recipient and the number of times or the period in which they are provided with said services are reasonable in light of the living standards of the service recipient;
四 個別信用購入あつせんに係る販売又は提供の方法により購入者等若しくは当該購入者等の親族で当該購入者等と生計を一にする者の生命若しくは身体を保護するため緊急に必要があると認める商品を販売する契約又は役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合であつて、当該購入者等が当該商品又は当該役務を緊急に必要とする事情及び当該購入者等の生活の状況に関し当該購入者等から調査した事項並びに法第三十五条の三の三第一項本文の規定による調査により得られた事項に基づき、当該購入者等が当該商品又は当該役務を緊急に必要とすること及び当該商品を購入し又は当該役務の提供を受ける意思を有すること並びに当該購入者等の支払総額及び当該商品の数量又は当該役務の回数若しくは期間が当該購入者等の緊急に必要とする事情に照らして相当であることを確認した場合
(iv) cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods or provide services which are deemed to be urgently necessary to protect the life or body of the Purchaser, etc. or a relative of the Purchaser, etc. who has the same livelihood as the Purchaser, etc., by the method of sales or provision pertaining to the intermediation of individual credit purchases, and it has been confirmed, based on the information obtained from the Purchaser, etc. concerning the reasons that the Purchaser, etc. urgently needs said goods or services, and the circumstances of the life of the Purchaser, etc., and on the information obtained through an investigation under the main clause of Article 35-3-3 paragraph (1) of the Act, that said goods or services are urgently necessary for the Purchaser, etc., that the Purchaser, etc. has the intention of purchasing said goods or receiving the provision of said services, and that the total amount to be paid by the Purchaser, etc. and the quantity of said goods or the number of times or the period in which they are provided with said services are reasonable in light of the reasons that the Purchaser, etc. urgently needs said goods or services.
2 個別信用購入あつせん業者は、前項第二号から第四号までに掲げる場合には、購入者等ごとに、前項第二号から第四号までの規定に基づく確認に関する記録を、書面又は電磁的記録をもつて作成し、個別信用購入あつせん関係受領契約に定められた最終の支払期日(当該契約に基づく個別信用購入あつせんに係る債務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)までの間保存しなければならない。
(2) An individual credit purchase intermediary shall, in the cases listed items (ii) to (iv) of the preceding paragraph, prepare a confirmation record as specified under items (ii) to (iv) of the preceding paragraph for each Purchaser, etc., by means of documents or electromagnetic records, and shall preserve said record up to the final due date specified under the contract for receiving the intermediation of individual credit purchases (when the obligation pertaining to the intermediation of individual credit purchases under said contract has been extinguished through the payment thereof or on other grounds, the day of the extinguishment).
(個別信用購入あつせん関係販売契約等の勧誘に係る調査等)
(Investigation into Solicitation of a Sales Contract for the Intermediation of Individual Credit Purchases, etc.)
第七十五条 法第三十五条の三の五第一項の経済産業省令で定める事項は、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とする。
Article 75 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-5, paragraph (1) of the Act shall be the matters specified in the following items, in accordance with the categories listed in the respective items:
一 個別信用購入あつせん業者が個別信用購入あつせんに係る契約を販売業者又は役務提供事業者(特定商取引に関する法律第二条第一項に規定する訪問販売(以下「訪問販売」という。)を行う者、同条第三項に規定する電話勧誘販売(以下「電話勧誘販売」という。)を行う者、同法第三十三条第一項に規定する連鎖販売業(以下「連鎖販売業」という。)を行う者、同法第四十一条第一項に規定する特定継続的役務提供(以下「特定継続的役務提供」という。)を行う者又は同法第五十一条第一項に規定する業務提供誘引販売業(以下「業務提供誘引販売業」という。)を行う者に限る。以下この条及び次条において同じ。)と締結しようとする場合 次に掲げる事項
(i) cases where an individual credit purchase intermediary intends to conclude a contract for the intermediation of individual credit purchases with a seller or a service provider (limited to a person that engages in door-to-door sales as prescribed in Article 2, paragraph (1) of the Act on Specified Commercial Transactions (hereinafter referred to as "Door-to-Door Sales"), a person that engages in telemarketing sales as prescribed in paragraph (3) of said Article (hereinafter referred to as "Telemarketing Sales"), a person that engages in multilevel marketing as prescribed in Article 33, paragraph (1) of said Act (hereinafter referred to as "Multilevel Marketing"), a person that provides specified continuous service as prescribed in Article 41, paragraph (1) of said Act (hereinafter referred to as "Specified Continuous Service Provision"), or a person that engages in business opportunity related sales as prescribed in Article 51, paragraph (1) of said Act (hereinafter referred to as "Business Opportunity Related Sales"); hereinafter the same shall apply in this Article and the following Article): the following matters:
イ 当該販売業者又は当該役務提供事業者による特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘に関する基本的な事項
(a) the basic matters concerning the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract, carried out by the seller or the service provider;
ロ 当該販売業者が個別信用購入あつせんに係る販売の方法により販売しようとする商品若しくは指定権利又は当該役務提供事業者が個別信用購入あつせんに係る提供の方法により提供しようとする役務に関する事項(当該役務又は当該指定権利が特定継続的役務提供等契約に係るものであつて、当該役務の提供又は当該権利の行使による役務の提供に際し当該役務の提供を受ける者又は当該権利の購入者が購入する必要のある商品がある場合には、当該商品に関する事項を含む。)
(b) the matters concerning goods or designated rights that the seller intends to sell by the method of sales pertaining to the intermediation of individual credit purchases, or services that the service provider intends to provide by the method of provision pertaining to the intermediation of individual credit purchases (in cases where said services or said designated rights pertain to a Specified Continuous Service Contract and the service recipient or the purchaser of said rights need to purchase any goods when the seller or the service provider provides said services or provides services upon the exercise of said rights, including the matters concerning said goods);
ハ 当該販売業者又は当該役務提供事業者が連鎖販売業を行う者又は業務提供誘引販売業を行う者である場合にあつては、特定利益(特定商取引に関する法律第三十三条第一項に規定する特定利益をいう。以下同じ。)又はその業務提供誘引販売業に係る業務提供利益(同法第五十一条第一項に規定する業務提供利益をいう。以下同じ。)に関する事項
(c) in cases where the seller of the service provider engages in Multilevel Marketing or Business Opportunity Related Sales, the matters concerning the specified profit (meaning the specified profit prescribed in Article 33, paragraph (1) of the Act on Specified Commercial Transactions; the same shall apply hereinafter) or the business opportunity profit (meaning the business opportunity profit prescribed in Article 51, paragraph (1) of said Act; the same shall apply hereinafter) pertaining to the Business Opportunity Related Sales;
ニ 当該販売業者又は当該役務提供事業者の取引の状況及び財産の状況
(d) the status of the transactions and property of the seller or the service provider;
ホ 当該販売業者又は当該役務提供事業者が連鎖販売業を行う者、特定継続的役務提供を行う者又は業務提供誘引販売業を行う者である場合にあつては、特定商取引に関する法律第三十三条第一項に規定する連鎖販売取引(以下「連鎖販売取引」という。)、特定継続的役務提供に係る取引又は同法第五十一条第一項に規定する業務提供誘引販売取引(以下「業務提供誘引販売取引」という。)に係る業務を継続して行うに足りる体制に関する事項
(e) in cases where the seller of the service provider engages in Multilevel Marketing, Specified Continuous Service Provision, or Business Opportunity Related Sales, the matters concerning a system that is sufficient for continuously conducting businesses for multilevel marketing transactions as prescribed in Article 33, paragraph (1) of Act on Specified Commercial Transactions (hereinafter referred to as "Multilevel Marketing Transactions"), transactions pertaining to Specified Continuous Service Provision, or business opportunity related sales transactions as prescribed in Article 51, paragraph (1) of said Act (hereinafter referred to as "Business Opportunity Related Sales Transactions");
ヘ 当該販売業者又は当該役務提供事業者が行う特定取引(訪問販売若しくは電話勧誘販売に係る取引、連鎖販売取引、特定継続的役務提供に係る取引又は業務提供誘引販売取引をいう。以下この条及び次条において同じ。)に関する業務の停止の処分等に関する事項
(f) the matters concerning dispositions, etc. for the suspension of businesses for specified transactions (meaning transactions pertaining to Door-to-Door Sales or Telemarketing Sales, Multilevel Marketing Transactions, transactions pertaining to Specified Continuous Service Provision, or Business Opportunity Related Sales Transactions; hereinafter the same shall apply in this Article and the following Article) conducted by the seller or the service provider;
ト 当該販売業者又は当該役務提供事業者が特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘をするに際し、法第三十五条の三の七各号に掲げる行為をすることを防止するために必要な体制及び当該販売業者又は当該役務提供事業者が行う特定取引に関する苦情を適切かつ迅速に処理するために必要な体制の整備の状況に関する事項
(g) the matters concerning the status of the development of a system necessary for preventing the seller or the service provider from conducting acts listed in the items of Article 35-3-7 of the Act upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract, and a system necessary for appropriately and promptly processing complaints on specified transactions conducted by the seller or the service provider;
チ 当該販売業者又は当該役務提供事業者が行う特定取引に関する苦情の発生状況及びその内容に関する事項
(h) the matters concerning how complaints have been filed with regard to specified transactions conducted by the seller or the service provider and the contents of such complaints;
二 個別信用購入あつせん業者が特定契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約に係る申込みを受けた場合 次に掲げる事項
(ii) cases where an individual credit purchase intermediary has received an application for a contract for receiving the intermediation of individual credit purchases related to a specified contract that falls under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases: the following matters:
イ 当該個別信用購入あつせん関係販売等契約又は当該個別信用購入あつせん関係受領契約に関する事項につき告げられた内容が事実であるとの誤認若しくは当該事項に係る事実が存在しないとの誤認の有無又は当該事項につき提供された断定的判断の内容が確実であるとの誤認の有無に関する事項
(a) the matters concerning the existence of any mistaken belief that the information conveyed with regard to the matters concerning the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases or the contract for receiving the intermediation of individual credit purchases is true, any mistaken belief that there are no such facts pertaining to said matters, or any mistaken belief that the details of a conclusive determination provided on said matters are certain;
ロ 当該個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者による特定商取引に関する法律第六条第三項、第二十一条第三項、第三十四条第三項、第四十四条第三項若しくは第五十二条第二項の規定に違反する行為又は消費者契約法(平成十二年法律第六十一号)第四条第三項に規定する行為に関する事項
(b) the matters concerning acts in violation of Article 6, paragraph (3), Article 21, paragraph (3), Article 34, paragraph (3), Article 44, paragraph (3), or Article 52, paragraph (2) of the Act on Specified Commercial Transactions, or acts as prescribed in Article 4, paragraph (3) of the Consumer Contract Act (Act No. 61 of 2000) that are conducted by the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases that pertains to said Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases.
第七十六条 法第三十五条の三の五第一項の規定により前条第一号及び第二号に定める事項の調査については、次項から第十二項までに定めるところによる。
Article 76 (1) An investigation under Article 35-3-5, paragraph (1) of the Act into the matters specified in item (i) and item (ii) of the preceding Article shall be carried out as specified in the following paragraph to paragraph (12).
2 前条第一号に定める事項の調査は、個別信用購入あつせんに係る契約(販売業者又は役務提供事業者と締結しようとするものに限る。以下この条及び第七十八条において同じ。)の締結に先立つて行わなければならない。
(2) The investigation into the matters specified in item (i) of the preceding Article shall be carried out prior to the conclusion of a contract for the intermediation of individual credit purchases (limited to a contract that an individual credit purchase intermediary intends to conclude with a seller or a service provider; hereinafter the same shall apply in this Article and Article 78).
3 前条第一号イに掲げる事項は、次に掲げる事項を含むものでなければならない。
(3) The matters listed in item (i), (a) of the preceding Article shall be the matters including the following:
一 個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が行う特定取引の種類
(i) the type of specified transactions conducted by the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases;
二 個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者の氏名、住所及び電話番号(法人にあつては、名称、住所、電話番号及び代表者の氏名)
(ii) the name, address and telephone number of the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases (with regard to a corporation, the name, address, telephone number of the corporation and the name of the representative);
三 個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者の店舗その他の事業所の住所及び電話番号
(iii) the address and telephone number of a store or other place of business of the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases;
四 個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘を行う地域
(iv) the area where the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases carries out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract.
4 前条第一号ロに掲げる事項については、次に掲げるものを調査しなければならない。
(4) With regard to the matters listed in item (i), (b) of the preceding Article, an investigation shall be carried out into what are listed as follows:
一 個別信用購入あつせんに係る契約を締結しようとする販売業者が個別信用購入あつせんに係る販売の方法により販売しようとする商品若しくは指定権利又は個別信用購入あつせんに係る契約を締結しようとする役務提供事業者が個別信用購入あつせんに係る提供の方法により提供しようとする役務の種類を示すもの
(i) what indicates the type of goods or designated rights that the seller that intends to conclude a contract for the intermediation of individual credit purchases intends to sell by the method of sales pertaining to the intermediation of individual credit purchases or the type of services that the service provider that intends to conclude a contract for the intermediation of individual credit purchases intends to provide by the method of provision pertaining to the intermediation of individual credit purchases;
二 見本、カタログその他の個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘をするに際し当該勧誘の相手方に対し提示するもの
(ii) samples, catalogues, and other articles that the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases presents to the counterparty upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract;
三 個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘をするに際して告げた事項(前条第一号チに掲げる事項の調査により知つた苦情の内容が、特定商取引に関する法律第六条第一項、第二十一条第一項、第三十四条第一項、第四十四条第一項若しくは第二項若しくは第五十二条第一項の規定に違反する行為又は消費者契約法第四条第一項第一号に規定する行為に起因すると認められる場合における当該告げた事項に限る。)であつて、商品の性能、品質、効能若しくは必要数量又は役務若しくは権利に係る役務の効果に係るものの裏付けとなる根拠を示す資料
(iii) data which show the grounds for the matters that the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases has conveyed upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract (limited to the matters conveyed in cases where the details of the complaints discovered as a result of an investigation into the matters listed in item (i), (h) of the preceding Article are deemed to have been caused by any of the acts in violation of Article 6, paragraph (1), Article 21, paragraph (1), Article 34, paragraph (1), Article 44, paragraph (1) or paragraph (2), or Article 52, paragraph (1) of the Act on Specified Commercial Transactions, or the acts prescribed in Article 4, paragraph (1), item (i) of the Consumer Contract Act) and which pertain to the performance, quality, efficacy, or required quantity of goods or the effects of services or rights-related services.
5 前条第一号ハに掲げる事項については、個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘をするに際して告げた事項又は断定的判断を提供した事項(同号チに掲げる事項の調査により知つた苦情の内容が、特定商取引に関する法律第三十四条第一項若しくは第五十二条第一項の規定に違反する行為又は消費者契約法第四条第一項に規定する行為に起因すると認められる場合における当該告げた事項又は当該断定的判断を提供した事項に限る。)であつて、特定商取引に関する法律第三十四条第一項第四号又は第五十二条第一項第四号に掲げるものの裏付けとなる根拠を示す資料を調査しなければならない。
(5) With regard to the matters listed in item (i), (c) of the preceding Article, an investigation shall be carried out into data which show the grounds for the matters that the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases has conveyed or on which such seller or service provider has provided a conclusive determination upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract (limited to the matters conveyed or a conclusive determination provided in cases where the details of the complaints discovered as a result of an investigation into the matters listed in (h) of said item are deemed to have been caused by any of the acts in violation of Article 34, paragraph (1), or Article 52, paragraph (1) of the Act on Specified Commercial Transactions, or the acts prescribed in Article 4, paragraph (1) of the Consumer Contract Act) and which are listed in Article 34, paragraph (1), item (iv) or Article 52, paragraph (1), item (iv) of the Act on Specified Commercial Transactions.
6 前条第一号ニに掲げる事項については、調査の日の直前事業年度の貸借対照表及び損益計算書又はこれらに代わる書面による確認その他の方法により調査しなければならない。
(6) With regard to the matters listed in item (i), (d) of the preceding Article, an investigation shall be carried out by making a confirmation based on the balance sheet and profit and loss statements for the business year immediately prior to the day of the investigation or other equivalent documents, or by any other means.
7 前条第一号ホに掲げる事項については、事業計画書その他の連鎖販売取引、特定継続的役務提供に係る取引又は業務提供誘引販売取引に係る業務を継続して行うに足りる体制であることを示すものを調査しなければならない。
(7) With regard to the matters listed in item (i), (e) of the preceding Article, an investigation shall be carried out into a documented business plan or other articles showing that the system is sufficient for continuously conducting businesses for Multilevel Marketing Transactions, transactions pertaining to Specified Continuous Service Provision, or Business Opportunity Related Sales Transactions.
8 前条第一号ヘに掲げる事項は、次に掲げる事項を含むものでなければならない。
(8) The matters listed in item (i) of the preceding Article shall be the matters including the following:
一 調査の日前五年間に特定商取引に関する法律の規定による処分(同法第七条、第二十二条、第三十八条、第四十六条若しくは第五十六条の規定による指示又は同法第八条第一項、第二十三条第一項、第三十九条第一項から第三項まで、第四十七条第一項若しくは第五十七条第一項の規定による命令に限る。以下この項において同じ。)を受けたことの有無
(i) whether or not any disposition under the Act on Specified Commercial Transactions (limited to instructions under Article 7, Article 22, Article 38, Article 46, or Article 56 of said Act, or orders under Article 8, paragraph (1), Article 23, paragraph (1), Article 39, paragraphs (1) to (3), Article 47, paragraph (1), or Article 57, paragraph (1) of said Act; hereinafter the same shall apply in this paragraph) has ever been made within five years prior to the day of the investigation;
二 個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が調査の日前五年間に特定商取引に関する法律の規定による処分を受けたことのある法人の役員であつたことの有無
(ii) whether or not the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases has ever been an officer of a corporation which has received any disposition under the Act on Specified Commercial Transactions within five years prior to the day of the investigation;
三 個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が法人である場合にあつては、当該法人の役員のうち次のいずれかに該当する者の有無
(iii) in cases where the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases is a corporation, whether or not the corporation has either of the following as its officers:
イ 第一号の期間内に特定商取引に関する法律の規定による処分を受けたことのある者
(a) a person that has received any disposition under the Act on Specified Commercial Transactions within the period set forth in item (i);
ロ 第一号の期間内に特定商取引に関する法律の規定による処分を受けたことのある法人の役員であつた者
(b) a person that used to be an officer of a corporation which has received any disposition under the Act on Specified Commercial Transactions within the period set forth in item (i).
9 前条第一号チに掲げる事項については、認定割賦販売協会その他の特定取引に関する苦情の処理の業務を行う者の保有する情報を調査しなければならない。
(9) With regard to the matters listed in item (i), (h) of the preceding Article, an investigation shall be carried out into information held by a certified installment sales association or any other persons that process complaints concerning specified transactions.
10 前条第二号に掲げる事項に係る調査は、特定契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込みを受けた後、相当な期間をおいて、電話その他の方法により当該申込みをした者に対して行わなければならない。
(10) An investigation into the matters listed in item (ii) of the preceding Article shall be carried out, in a considerable period of time after receiving an application for a contract for receiving the intermediation of individual credit purchases related to a specified contract that falls under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, with regard to a person that has filed said application, by phone or by any other means.
11 前条第二号イに掲げる事項は、次に掲げる事項を含むものでなければならない。
(11) The matters listed in item (ii), (a) of the preceding Article shall be the matters including the following:
一 法第三十五条の三の八又は第三十五条の三の九第一項に規定する書面に記載すべき事項につき告げられた内容が事実であるとの誤認若しくは当該事項に係る事実が存在しないとの誤認又は当該事項につき提供された断定的判断(将来における変動が不確実な事項につき提供された断定的判断に限る。)の内容が確実であるとの誤認の有無
(i) the existence of any mistaken belief that the information conveyed with regard to the matters to be indicated in the document prescribed in Article 35-3-8 or Article 35-3-9, paragraph (1) of the Act is true, any mistaken belief that there are no such facts pertaining to said matters, or any mistaken belief that the details of a conclusive determination provided on said matters (limited to the assertive determination provided on matters which are uncertain and that may change in the future) are certain;
二 特定契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約に係る商品の性能、品質、効能若しくは必要数量又は役務若しくは権利に係る役務の効果に係る事項その他当該契約に係る商品若しくは指定権利又は役務に関し将来における変動が不確実な事項(法第三十五条の三の八又は第三十五条の三の九第一項に規定する書面に記載すべき事項を除く。)につき提供された断定的判断の有無
(ii) the existence of any conclusive determination provided with regard to matters concerning the performance, quality, efficacy, or required quantity of goods or the effects of services or rights-related services that pertain to the contract for receiving the intermediation of individual credit purchases related to a specified contract that falls under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, or with regard to other uncertain matters concerning goods or designated rights, or services pertaining to said contract that may change in the future (excluding the matters to be indicated in the document prescribed in Article 35-3-8 or Article 35-3-9, paragraph (1) of the Act);
三 特定契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約に係る商品若しくは指定権利又は役務に付随する商品若しくは権利又は役務その他法第三十五条の三の八又は第三十五条の三の九第一項の書面に記載されていない事項であつて当該申込みをした者の判断に影響を及ぼすこととなる重要なもの(次号において「重要事項」という。)の有無
(iii) the existence of any goods or designated rights, or any services associated with goods or designated rights, or services that pertain to the contract for receiving the intermediation of individual credit purchases related to a specified contract that falls under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, or any other matters that are not indicated in the document set forth in Article 35-3-8 or Article 35-3-9, paragraph (1) of the Act but are significant enough to affect the judgment of the person that has filed said application (referred to as "Significant Matters" in the following item);
四 前号の重要事項があるときは、重要事項につき告げられた内容が事実であるとの誤認又は重要事項に係る事実が存在しないとの誤認の有無
(iv) when there are any Significant Matters as set forth in the preceding item, the existence of any mistaken belief that the information conveyed with regard to the Significant Matters are true, or any mistaken belief that there are no such facts pertaining to the Significant Matters;
五 第一号から前号までに掲げるもののほか、当該個別信用購入あつせん関係販売等契約若しくは当該個別信用購入あつせん関係受領契約に関する事項であつて当該申込みをした者の判断に影響を及ぼすこととなる重要なものにつき告げられた内容が事実であるとの誤認若しくは当該事項に係る事実が存在しないとの誤認の有無又は当該事項につき提供された断定的判断(将来における変動が不確実な事項につき提供された断定的判断に限る。)の内容が確実であるとの誤認の有無
(v) in addition to what are listed in item (i) through to the preceding item, the existence of any mistaken belief that the information conveyed with regard to the matters concerning the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases or the contract for receiving the intermediation of individual credit purchases, which are important enough to affect the judgment of the person that has filed said application, is true, any mistaken belief that there are no such facts pertaining to said matters, or any mistaken belief that the details of a conclusive determination provided on said matters (limited to a conclusive determination provided on uncertain matters that may change in the future) are certain.
12 前条第二号ロに掲げる事項については、同号ロに規定する行為の有無を調査しなければならない。
(12) With regard to the matters listed in item (ii), (b) of the preceding Article, an investigation shall be carried out into the existence of any acts prescribed in (b) of said item.
第七十七条 個別信用購入あつせん業者は、次の各号に掲げる場合には、第七十五条各号に定める事項のほか、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を調査しなければならない。
Article 77 (1) An individual credit purchase intermediary shall, in the cases listed in the following items, investigate the matters specified in the following items, in accordance with the categories listed in the respective items, in addition to the matters specified in the items of Article 75:
一 第七十五条第二号イに掲げる事項の調査により前条第十一項第二号に規定する断定的判断(商品の性能、品質、効能若しくは必要数量又は役務若しくは権利に係る役務の効果に係る事項についての断定的判断に限る。)が提供されたことを知つた場合 当該断定的判断の提供を行つた個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者の有する当該断定的判断の提供に係る事項の裏付けとなる根拠を示す資料(ただし、既に当該資料を第七十五条第一号ロに掲げる事項の調査(前条第四項第三号に係るものに限る。)により調査した場合にあつては、当該資料を補完する資料)
(i) in cases where an investigation into the matters listed in Article 75, item (ii), (a) has revealed that the conclusive determination prescribed in paragraph (11), item (ii) of the preceding Article (limited to a conclusive determination on the matters pertaining to the performance, quality, efficacy, or required quantity of goods or the effects of services or rights-related services) has been provided: data held by the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases that has provided said conclusive determination that show the grounds for the matters pertaining to the provision of said conclusive determination (provided, however, that when said data have already been investigated in the course of an investigation into the matters listed in Article 75, item (i), (b) (limited to an investigation pertaining to paragraph (4), item (iii) of the preceding Article), data that complement said data);
二 第九十四条第一号の規定による原因究明により知つた事項からみて、同号の苦情に係る事項の原因が、個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者が特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘をするに際し、法第三十五条の三の七各号のいずれかに該当する行為をしたことにあると認める場合 次に掲げる事項
(ii) in cases where it is deemed, in light of the information obtained through the search for the causes of the complaints under Article 94, item (i), that the matters pertaining to the complaints set forth in said item have been caused by acts falling under any of the items of Article 35-3-7 of the Act that the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases had conducted, upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract: the following matters:
イ 当該行為の内容
(a) the details of said acts;
ロ 当該個別信用購入あつせん関係販売業者又は当該個別信用購入あつせん関係役務提供事業者に関する第七十五条第一号トに掲げる事項
(b) the matters listed in Article 75, item (i), (g) concerning the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases;
ハ その他当該苦情の内容に応じ、当該苦情に係る法第三十五条の三の七各号に掲げる行為の防止のために必要な事項
(c) any other matters necessary for preventing any acts listed in the items of Article 35-3-7 of the Act that pertain to said complaints, in accordance with the details thereof;
三 第九十四条第一号の規定による原因究明、認定割賦販売協会の保有する情報の確認その他の方法により知つた事項に基づき、購入者等からの苦情(法第三十五条の三の十二第一項に規定する申込みの撤回等若しくは法第三十五条の三の十三第一項、第三十五条の三の十四第一項、第三十五条の三の十五第一項若しくは第三十五条の三の十六第一項の規定による個別信用購入あつせん関係受領契約の申込み若しくはその承諾の意思表示の取消しの申出又は法第三十五条の三の十九第一項の規定による対抗を含む。以下この条及び第九十四条において同じ。)であつて当該苦情に係る事項の原因が個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者による特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘に係るもの(苦情に係る事項の原因が前号に規定するものである苦情を除く。以下この号において「特定契約関係苦情」という。)の発生状況及び当該個別信用購入あつせん業者と個別信用購入あつせんに係る契約を締結した販売業者又は役務提供事業者(当該個別信用購入あつせん関係販売業者又は当該個別信用購入あつせん関係役務提供事業者を除く。以下この号及び第九十四条第三号において「他の個別信用購入あつせん関係販売業者等」という。)による特定契約関係苦情の発生状況からみて、当該個別信用購入あつせん関係販売業者又は当該個別信用購入あつせん関係役務提供事業者が当該他の個別信用購入あつせん販売業者等に比し、購入者等の利益の保護に欠けると認められる場合 前号に定める事項
(iii) in cases where, based on the information obtained through the search for the causes of the complaints under Article 94, item (i), the confirmation of information held by a certified installment sales association or by any other means, and in light of how complaints have been filed by Purchasers, etc. (including the withdrawal, etc. of the application under Article 35-3-12, paragraph (1) of the Act, the notification of the rescission of the manifestation of an intention of applying for or accepting a contract for receiving the intermediation of individual credit purchases under Article 35-3-13, paragraph (1), Article 35-3-14, paragraph (1), Article 35-3-15, paragraph (1), or Article 35-3-16, paragraph (1) of the Act, or the assertion under Article 35-3-19, paragraph (1) of the Act; hereinafter the same shall apply in this Article and Article 94) concerning the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract carried out by the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases (excluding complaints that have been caused as prescribed in the preceding item; hereinafter referred to as "Complaints Concerning a Specified Contract" in this item) and how Complaints Concerning a Specified Contract have been filed by Purchasers, etc. concerning such specified contract carried out by a seller or a service provider that has concluded a contract for the intermediation of individual credit purchases with said individual credit purchase intermediary (excluding said seller for the intermediation of individual credit purchases or said service provider for the intermediation of individual credit purchases; hereinafter referred to as the "Other Seller, etc. for the Intermediation of Individual Credit Purchases" in this item and Article 94, item (iii)), it is deemed that said seller for the intermediation of individual credit purchases or said service provider for the intermediation of individual credit purchases lacks in protection of the interests of Purchasers, etc. compared with said Other Seller, etc. for the Intermediation of Individual Credit Purchases: the matters specified in the preceding item.
2 第九十四条第一号の規定による原因究明により知つた事項からみて、同号の苦情に係る事項の原因が、個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者による特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘に係る場合であつて、当該個別信用購入あつせん関係販売業者又は当該個別信用購入あつせん関係役務提供事業者に対して第七十五条第一号に定める事項の調査をしていなかつたときは、前項の規定にかかわらず、遅滞なく、当該調査をしなければならない。
(2) In cases where, in light of the information obtained through the search for the causes of the complaints under Article 94, item (i), the matters pertaining to the complaints set forth in said item have been caused by the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract carried out by a seller for the intermediation of individual credit purchases or a service provider for the intermediation of individual credit purchases, and when an investigation into the matters specified in Article 75, item (i) has not been carried out with regard to said seller for the intermediation of individual credit purchases or said service provider for the intermediation of individual credit purchases, said investigation shall be carried out without delay, notwithstanding the provisions of the preceding paragraph.
(個別信用購入あつせん関係販売契約等の勧誘に係る調査に関する記録の作成等)
(Preparation, etc. of a Record on Investigation into Solicitation of a Sales Contract for the Intermediation of Individual Credit Purchases, etc.)
第七十八条 法第三十五条の三の五第二項の規定により、次の各号に掲げる調査の区分に応じ、当該各号に定める事項の記録を、書面又は電磁的方法をもつて作成し、作成後五年間保存しなければならない。ただし、第一号に定める事項の記録については、個別信用購入あつせんに係る契約を締結した場合に限る。
Article 78 An individual credit purchase intermediary shall, pursuant to the provisions of Article 35-3-5, paragraph (2) of the Act, prepare a record on the matters specified in the following items in accordance with the categories of investigations listed in the respective items, in writing or in electromagnetic form, and shall preserve said record for five years after preparing it; provided, however, that a record on the matters specified in item (i) shall be prepared and preserved only in cases where the individual credit purchase intermediary has concluded a contract for the intermediation of individual credit purchases:
一 第七十五条第一号に定める事項の調査 次に掲げる事項
(i) investigation into the matters specified in Article 75, item (i): the following matters:
イ 調査年月日
(a) the date of the investigation;
ロ 当該調査の結果(当該調査に関して取得した書面その他の資料がある場合にあつては、当該資料を含む。)
(b) the results of the investigation (in cases where there are any documents or other data obtained in relation to said investigation, including said data);
ハ 当該調査に係る個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者と個別信用購入あつせんに係る契約を締結した場合には、当該契約の締結の年月日
(c) in cases where a contract for the intermediation of individual credit purchases has been concluded with a seller for the intermediation of individual credit purchases or a service provider for the intermediation of individual credit purchases that pertains to said investigation, the date of the conclusion of said contract;
二 第七十五条第二号に定める事項の調査 次に掲げる事項
(ii) investigation into the matters specified in Article 75, item (ii): the following matters:
イ 前号イ及びロに掲げる事項
(a) the matters listed in (a) and (b) of the preceding item;
ロ 当該調査に係る個別信用購入あつせん関係受領契約を締結した場合には、当該契約の締結の年月日
(b) in cases where a contract for receiving the intermediation of individual credit purchases pertaining to said investigation has been concluded, the date of the conclusion of said contract;
三 前条の規定による調査 第一号イ及びロに掲げる事項
(iii) investigation under the preceding Article: the matters listed in (a) and (b) of item (i).
(個別信用購入あつせん関係販売業者等による書面の交付)
(Delivery of Documents by a Seller for the Intermediation of Individual Credit Purchases, etc.)
第七十九条 法第三十五条の三の八第九号の経済産業省令で定める事項は、次のとおりとする。
Article 79 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-8, item (ix) of the Act shall be as follows:
一 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者及び個別信用購入あつせん業者の名称、住所及び電話番号
(i) the name, address, and telephone number of the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases, and the individual credit purchase intermediary;
二 個別信用購入あつせん関係販売等契約及び個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約の締結の年月日
(ii) the date of the conclusion of the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases and the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び型式
(iv) the trademark, manufacturer, or model of the goods;
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which the rights can be exercised or the services can be received under the contract);
六 頭金の額
(vi) the amount of the initial deposit;
七 個別信用購入あつせん関係販売等契約が連鎖販売個人契約であるときは、当該連鎖販売取引に伴う特定負担(特定商取引に関する法律第三十三条第一項に規定する特定負担をいう。次条第五号の表第一号上欄、第八十一条第七号、第八十二条第四号の表第一号上欄、第八十三条第七号及び第八十四条第四号の表第一号上欄において同じ。)及び特定利益に関する事項
(vii) when the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is a personal multilevel marketing contract, the matters concerning the specified burden (meaning the specified burden prescribed in Article 33, paragraph (1) of the Act on Specified Commercial Transactions; the same shall apply in the left-hand column of item (i) of the table of item (v) of the following Article, Article 81, item (vii), the left-hand column of item (i) of the table of Article 82, item (iv), Article 83, item (vii), and the left-hand column of item (i) of the table of Article 84, item (iv)) and the specified profit involved in the Multilevel Marketing Transactions;
八 個別信用購入あつせん関係販売等契約が業務提供誘引販売個人契約であるときは、当該業務提供誘引取引に伴う特定負担(特定商取引に関する法律第五十一条第一項に規定する特定負担をいう。次条第五号の表第三号上欄、第八十一条第八号、第八十二条第四号の表第三号上欄、第八十三条第八号及び第八十四条第四号の表第三号上欄において同じ。)に関する事項
(viii) when the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is a personal business opportunity related sales contract, the matters concerning the specified burden (meaning the specified burden prescribed in Article 51, paragraph (1) of the Act on Specified Commercial Transactions; the same shall apply in the left-hand column of item (iii) of the table of item (v) of the following Article, Article 81, item (viii), the left-hand column of item (iii) of the table of Article 82, item (iv), Article 83, item (viii), and the left-hand column of item (iii) of the table of Article 84, item (iv)) involved in the business opportunity related transactions;
九 支払分の支払回数
(ix) the number of payments;
十 個別信用購入あつせん関係販売等契約及び個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(x) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases and the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
十一 個別信用購入あつせん業者に対する抗弁に関する事項
(xi) the matters concerning any defense against the individual credit purchase intermediary;
十二 支払時期の到来していない支払分の支払を請求することについての定めがあるときは、その内容
(xii) when there is an agreement on the demand for the payments that have not yet become due, the details thereof;
十三 支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めがあるときは、その内容
(xiii) when there is an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled), the details thereof;
十四 役務の提供が商品又は指定権利の販売の条件となつているときは、当該役務の内容、提供時期その他当該役務に関する事項
(xiv) when the provision of services is one of the conditions for the sale of goods or designated rights, the details of said services, the timing of their provision, and any other matters concerning said services;
十五 商品の販売が指定権利の販売又は役務の提供の条件となつているときは、当該商品の内容、引渡し時期その他当該商品に関する事項
(xv) when the sale of goods is one of the conditions for the sale of designated rights or the provision of services, the details of said goods, the delivery time, and any other matters concerning said goods;
十六 権利の販売が商品の販売又は役務の提供の条件となつているときは、当該権利の内容、移転時期その他当該権利に関する事項
(xvi) when the sale of rights is one of the conditions for the sale of goods or the provision of services, the details of said rights, the timing of their transfer, and any other matters concerning said rights;
十七 商品に隠れた瑕疵がある場合の責任についての定めがあるときは、その内容
(xvii) when there is an agreement on the liability in cases where the goods have any hidden defect, the details thereof;
十八 前各号に掲げるもののほか特約があるときは、その内容
(xviii) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof;
十九 個別信用購入あつせん関係販売等契約が連鎖販売個人契約又は業務提供誘引販売個人契約であるときは、その旨
(xix) when the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is a personal multilevel marketing contract or a personal business opportunity related sales contract, to that effect.
第八十条 法第三十五条の三の八各号又は法第三十五条の三の九第二項第一号若しくは第四項第一号の規定により法第三十五条の三の八第五号若しくは第七号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 80 When an individual credit purchase intermediary delivers a document containing the matters set forth in Article 35-3-8, item (v) or item (vii) of the Act, pursuant to the provisions of the items of Article 35-3-8 of the Act or Article 35-3-9, paragraph (2), item (i) or paragraph (4), item (i) of the Act, it shall follow the rules specified in the following items:
一 第六十九条第一項第二号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 69, paragraph (1), item (ii) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 法第三十五条の三の八第五号に規定する基本的な事項の内容は、次のとおりとする。
(ii) the details of the basic matters prescribed in Article 35-3-8, item (v) of the Act shall be as follows:
イ 商品又は権利の再販売については、購入する商品又は権利の引渡し又は移転の方法その他商品又は権利の再販売についての条件のあるときは、その内容
(a) with regard to the resale of goods or rights, when there are any conditions for the method of the delivery or the transfer of goods or rights to purchase, or any other conditions for the resale of goods or rights, the details thereof;
ロ 商品又は権利の受託販売については、委託を受けて販売する商品又は権利の引渡し又は移転の方法、受け取つた代金の引渡しの時期及び方法その他商品又は権利の受託販売についての条件のあるときは、その内容
(b) with regard to the consignment sale of goods or rights, when there are any conditions for the method of the delivery or the transfer of goods or rights to sell on consignment, the time and method of the delivery of the received payment, or any other conditions for the consignment sale of goods or rights, the details thereof;
ハ 同種役務の提供について、条件のあるときは、その内容
(c) when there are any conditions for the provision of services of the same type, the details thereof;
三 法第三十五条の三の八第七号に規定する基本的な事項の内容は、次のとおりとする。
(iii) the details of the basic matters prescribed in Article 35-3-8, item (vii) of the Act shall be as follows:
イ 提供し、又はあつせんする業務の内容
(a) the details of the business to provide or intermediate;
ロ 一週間、一月間その他の一定の期間内に提供し、又はあつせんする業務の回数又は時間その他の提供し、又はあつせんする業務の量
(b) the number of times or the business hours to provide or intermediate and the quantity of the business to provide or intermediate during one week, one month, or any other certain period of time;
ハ 一回当たり又は一時間当たりの業務に対する報酬の単価その他の報酬の単価が定められている場合には、その単価
(c) when the unit rate of the reward for the business per time or per hour, or any other unit rate of the reward has been specified, such unit rate;
ニ ロ及びハにより定められるものその他の業務提供利益の計算の方法
(d) the method of the calculation of what are specified in (b) or (c) and other business opportunity profit;
ホ ニに掲げるもののほか、業務提供利益の全部又は一部が支払われないこととなる場合があるときは、その条件
(e) in addition to what are listed in (d), when there are any cases where the whole or a part of the business opportunity profit is not paid, the conditions therefor;
ヘ ニ及びホに掲げるもののほか、業務提供利益の支払の時期及び方法その他の業務提供利益の支払の条件
(f) in addition to what are listed in (d) and (e), the time and method of the payment of business opportunity profit and any other conditions for the payment of business opportunity profit;
四 法第三十五条の三の八第八号に掲げる事項については、その内容が次の基準に合致していること。
(iv) with regard to the matters listed in Article 35-3-8, item (viii) of the Act, the details thereof must be in accordance with the following criteria:
イ 個別信用購入あつせん関係販売等契約について、購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. may not cancel the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
ロ 個別信用購入あつせん関係販売等契約の締結の前に個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者が見本、カタログ等により購入者等に対し提示した当該契約の内容と当該購入者等が受領した商品若しくは権利又は提供を受ける役務が相違している場合には、購入者等は、当該契約の解除をすることができる旨が定められていること。
(b) it is provided that if the details of the contract presented by the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases by way of using samples, catalogues, and the like, prior to the conclusion of the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, differ from the goods or rights received or the services to be received by the Purchaser, etc., said Purchaser, etc. may cancel said contract;
ハ 購入者等が法第三十五条の三の十第一項第四号から第六号までに定める契約の相手方である場合には同条第五項本文の規定により個別信用購入あつせん関係販売等契約が解除されたものとみなされることを赤枠の中に赤字で記載すること。
(c) it is indicated in red in a red box that if the Purchaser, etc. is the counterparty of any of the contracts specified in Article 35-3-10, paragraph (1), items (iv) to (vi) of the Act, the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases shall be deemed to have been cancelled pursuant to the provisions of the main clause of paragraph (5) of said Article;
ニ 購入者等が法第三十五条の三の十一第一項に規定する契約の相手方である場合には同条第七項本文の規定により個別信用購入あつせん関係販売等契約が解除されたものとみなされることを赤枠の中に赤字で記載すること。
(d) it is indicated in red in a red box that if the Purchaser, etc. is the counterparty of the contract prescribed in Article 35-3-11, paragraph (1) of the Act, the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases shall be deemed to have been cancelled pursuant to the provisions of the main clause of paragraph (7) of said Article;
ホ 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の責に帰すべき事由により個別信用購入あつせん関係販売等契約が解除された場合における個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(e) with regard to the obligation of the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary in cases where the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases has been cancelled due to a cause imputable to the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code;
五 前条第七号及び第八号に掲げる事項については、次の表の上欄に掲げる事項に応じ、それぞれ同表の下欄に掲げる内容を記載しなければならない。
(v) with regard to the matters listed in item (vii) and item (viii) of the preceding Article, the details listed in the right-hand column of the following table shall be indicated, in accordance with the matters listed respectively in the relevant left-hand column of said table:
事項
Matters
内容
Details
一 当該連鎖販売取引に伴う特定負担に関する事項
(i) matters concerning the specified burden involved in the Multilevel Marketing Transactions
イ 商品の購入については、その購入先及び当該商品の引渡しの方法
(a) with regard to the purchase of goods, the supplier and the method of the delivery of said goods
ロ 権利の購入については、その購入先及び当該権利の移転の方法
(b) with regard to the purchase of rights, the supplier and the method of the transfer of said rights
ハ 役務の提供の方法
(c) the method of the offering of services
ニ 取引料の提供については、その提供先、金額、性格並びに提供の時期及び方法
(d) with regard to the provision of the transaction fee, the recipient, the amount, and the nature of the fee, and the time and method of the provision thereof
ホ 取引料のうち返還されるものがあるときは、その返還の条件
(e) when there is any portion of the transaction fee to be returned, the conditions for the return
二 特定利益に関する事項
(ii) matters concerning the specified profit
イ 商品若しくは権利の再販売、受託販売若しくは販売のあつせんをする他の者に対する商品若しくは権利の現金販売価格又は同種役務の提供若しくは役務の提供のあつせんをする他の者に対する役務の現金提供価格の支払の金額に対して収受し得る特定利益の金額の割合その他の特定利益の計算の方法
(a) the method of the calculation of the rate of the amount of the specified profit that can be received out of the selling price in cash of goods or rights to pay to another person who engages in the resale or consignment sale or the intermediation of the sale of goods or rights, or the offering price in cash of services to pay to another person who engages in the offering of services of the same type or the intermediation of offering of services, and any other methods of the calculation of the specified profit
ロ イに掲げるもののほか、特定利益の全部又は一部が支払われないこととなる場合があるときは、その条件
(b) in addition to what are listed in (a), when there are any cases where the whole or a part of the specified profit is not paid, the conditions therefor
ハ イ及びロに掲げるもののほか、特定利益の支払の時期及び方法その他の特定利益の支払の条件
(c) in addition to what are listed in (a) and (b), the time and the method of the payment of the specified profit, and any other conditions for the payment of the specified profit
三 当該業務提供誘引販売取引に伴う特定負担に関する事項
(iii) matters concerning the specified burden involved in the Business Opportunity Related Sales Transactions
イ 商品の購入については、その購入先及び当該商品の引渡しの方法
(a) with regard to the purchase of goods, the supplier and the method of the delivery of said goods
ロ 権利の購入については、その購入先及び当該権利の移転の方法
(b) with regard to the purchase of rights, the supplier and the method of the transfer of said rights
ハ 役務の提供の方法
(c) the method of the offering of services
ニ 取引料の提供については、その提供先、金額、性格並びに提供の時期及び方法
(d) with regard to the provision of the transaction fee, the recipient, the amount, and the nature of the fee, and the time and method of the provision thereof
ホ 取引料のうち返還されるものがあるときは、その返還の条件
(e) when there is any portion of the transaction fee to be returned, the conditions for the return
六 前条第十一号に掲げる事項については、その内容に、商品若しくは指定権利の販売につきそれを販売した個別信用購入あつせん関係販売業者又は役務の提供につきそれを提供する個別信用購入あつせん関係役務提供事業者に対して生じている事由をもつて、支払分の支払の請求をする個別信用購入あつせん業者に対抗できる旨が定められていること。
(vi) it shall be provided that with regard to the matters listed in item (xi) of the preceding Article, the grounds arising regarding the details thereof for the seller for the intermediation of individual credit purchases that has sold goods or designated rights or for the service provider for the intermediation of individual credit purchases that is to provide services may be asserted against the individual credit purchase intermediary that demands the payments;
七 前条第十二号、第十三号、第十七号及び第十八号に掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(vii) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in item (xii), item (xiii), item (xvii) and item (xviii) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 支払時期の到来していない支払分の支払の請求に関する事項
(i) matters concerning the demand for the payments that have not yet become due
イ 購入者等の支払義務の不履行により支払時期の到来していない支払分の支払を請求することができる場合は、個別信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、個別信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(a) it is provided that the payments that have not yet become due may be demanded due to a failure of the Purchaser, etc. to perform the obligation to make payments only when the failure to perform the obligation has continued for a certain period of time specified by the individual credit purchase intermediary, and the individual credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ロ 購入者等の支払義務の不履行以外の事由により支払時期の到来していない支払分の支払を請求することができる場合として、購入者等の信用が著しく悪化した場合又は重要な契約条項違反があつた場合以外の場合が定められていないこと。
(b) no other case than the case of the significant deterioration of the credit of the Purchaser, etc. or a violation of any important contract clause is provided as the case where the payments that have not yet become due may be demanded due to reasons other than a failure of the Purchaser, etc. to perform the obligation to make payments
二 支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額又は違約金に関する事項
(ii) matters concerning the amount of damages or a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled)
支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めが法第三十五条の三の十八第二項の規定に合致していること。
an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled) complies with the provisions of Article 35-3-18, paragraph (2) of the Act
三 商品に隠れた瑕疵がある場合の責任に関する事項
(iii) matters concerning the liability in cases where the goods have any hidden defect
商品に隠れた瑕疵(道路運送車両法の規定による臨時運行以外の運行の用に供された旨が明示されている自動車に係る瑕疵であつて、当該運行の用に供されたことにより通常生ずるものを除く。)がある場合に個別信用購入あつせん関係販売業者が当該瑕疵について責任を負わない旨が定められていないこと。
it is not provided that in cases where the goods have any hidden defect (excluding any defect in automobiles where it is clear that they have been used for a purpose other than for temporary special service under the Road Vehicles Act and where such defect is generally caused by such usage), the seller for the intermediation of individual credit purchases assumes no liability for said defect
四 前条第十二号、第十三号及び第十七号に掲げるもの以外の特約
(iv) special agreements other than those listed in item (xii), item (xiii), and item (xvii) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
八 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ること。
(viii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
(個別信用購入あつせん業者による書面の交付)
(Delivery of Documents by an Individual Credit Purchase Intermediary)
第八十一条 法第三十五条の三の九第二項第四号の経済産業省令で定める事項は、次のとおりとする。
Article 81 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-9, paragraph (2), item (iv) of the Act shall be as follows:
一 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者及び個別信用購入あつせん業者の名称、住所及び電話番号
(i) the name, address, and telephone number of the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases, and the individual credit purchase intermediary;
二 個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約の申込みの年月日
(ii) the date of the application for the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び型式
(iv) the trademark, manufacturer, or model of the goods;
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which the rights can be exercised or the services can be received under the contract);
六 頭金の額
(vi) the amount of the initial deposit;
七 個別信用購入あつせん関係販売等契約が特定連鎖販売個人契約であるときは、当該連鎖販売取引に伴う特定負担及び特定利益に関する事項
(vii) when the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is a specified personal multilevel marketing contract, the matters concerning the specified burden and the specified profit involved in the Multilevel Marketing Transactions;
八 個別信用購入あつせん関係販売等契約が業務提供誘引販売個人契約であるときは、当該業務提供誘引取引に伴う特定負担に関する事項
(viii) when the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is a personal business opportunity related sales contract, the matters concerning the specified burden involved in the business opportunity related transactions;
九 支払分の支払回数
(ix) the number of payments;
十 個別信用購入あつせん関係販売等契約及び個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(x) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases and the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
十一 個別信用購入あつせん業者に対する抗弁に関する事項
(xi) the matters concerning any defense against the individual credit purchase intermediary;
十二 支払時期の到来していない支払分の支払を請求することについての定めがあるときは、その内容
(xii) when there is an agreement on the demand for the payments that have not yet become due, the details thereof;
十三 支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めがあるときは、その内容
(xiii) when there is an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled), the details thereof;
十四 前各号に掲げるもののほか特約があるときは、その内容
(xiv) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof.
第八十二条 法第三十五条の三の九第二項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 82 When an individual credit purchase intermediary delivers a document containing the matters set forth in the items of Article 35-3-9, paragraph (2) of the Act, it shall follow the rules specified in the following items:
一 第六十九条第一項第二号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 69, paragraph (1), item (ii) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 法第三十五条の三の九第二項第二号に掲げる事項については、その内容が次の基準に合致していること。
(ii) with regard to the matters listed in Article 35-3-9, paragraph (2), item (ii) of the Act, the details thereof must be in accordance with the following criteria:
イ 個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約について、購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. may not cancel the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
ロ 購入者等が法第三十五条の三の十第一項第一号から第三号までに定める契約の申込みをした者である場合には同条第五項本文の規定により個別信用購入あつせん関係販売等契約の申込みが撤回されたものとみなされることを赤枠の中に赤字で記載すること。
(b) it is indicated in red in a red box that if the Purchaser, etc. is the person that has filed an application for any of the contracts specified in Article 35-3-10, paragraph (1), items (i) to (iii) of the Act, the application for the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases shall be deemed to have been withdrawn pursuant to the provisions of the main clause of paragraph (5) of said Article;
ハ 購入者等が法第三十五条の三の十一第一項に規定する契約の申込みをした者である場合には同条第七項本文の規定により個別信用購入あつせん関係販売等契約の申込みが撤回されたものとみなされることを赤枠の中に赤字で記載すること。
(c) it is indicated in red in a red box that if the Purchaser, etc. is the person that has filed an application for the contract prescribed in Article 35-3-11, paragraph (1) of the Act, the application for the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases shall be deemed to have been withdrawn pursuant to the provisions of the main clause of paragraph (7) of said Article;
ニ 購入者等の支払義務の不履行により個別信用購入あつせん関係受領契約を解除することができる場合は、個別信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、個別信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(d) it is provided that the cancellation of the contract for receiving the intermediation of individual credit purchases due to a failure of the Purchaser, etc. to perform the obligation to make payments is allowed only when the failure to perform the obligation has continued for a certain period of time specified by the individual credit purchase intermediary, and the individual credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period;
ホ 購入者等の責に帰すべき事由により個別信用購入あつせん関係受領契約が解除された場合の損害賠償等の額についての定めが法第三十五条の三の十八第一項の規定に合致していること。
(e) an agreement on the amount of damages, etc. in cases where the contract for receiving the intermediation of individual credit purchases has been cancelled due to a cause imputable to the Purchaser, etc. complies with the provisions of Article 35-3-18, paragraph (1) of the Act;
ヘ 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の責に帰すべき事由により個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約が解除された場合における個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(f) with regard to the obligation of the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary in cases where the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases has been cancelled due to a cause imputable to the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code;
三 法第三十五条の三の九第二項第三号に掲げる事項については、第七十五条第二号に定める事項のみを交付することをもつて足りる。
(iii) with regard to the matters listed in Article 35-3-9, paragraph (2), item (iii) of the Act, it shall be sufficient to deliver only the matters specified in Article 75, item (ii);
四 前条第七号及び第八号に掲げる事項については、次の表の上欄に掲げる事項に応じ、それぞれ同表の下欄に掲げる内容を記載しなければならない。
(iv) with regard to the matters listed in item (vii) and item (viii) of the preceding Article, the details listed in the right-hand column of the following table shall be indicated, in accordance with the matters listed respectively in the relevant left-hand column of said table:
事項
Matters
内容
Details
一 当該連鎖販売取引に伴う特定負担に関する事項
(i) matters concerning the specified burden involved in the Multilevel Marketing Transactions
イ 商品の購入については、その購入先及び当該商品の引渡しの方法
(a) with regard to the purchase of goods, the supplier and the method of the delivery of said goods
ロ 権利の購入については、その購入先及び当該権利の移転の方法
(b) with regard to the purchase of rights, the supplier and the method of the transfer of said rights
ハ 役務の提供の方法
(c) the method of the offering of services
ニ 取引料の提供については、その提供先、金額、性格並びに提供の時期及び方法
(d) with regard to the provision of the transaction fee, the recipient, the amount, and the nature of the fee, and the time and method of the provision thereof
ホ 取引料のうち返還されるものがあるときは、その返還の条件
(e) when there is any portion of the transaction fee to be returned, the conditions for the return
二 特定利益に関する事項
(ii) matters concerning the specified profit
イ 商品若しくは権利の再販売、受託販売若しくは販売のあつせんをする他の者に対する商品若しくは権利の現金販売価格又は同種役務の提供若しくは役務の提供のあつせんをする他の者に対する役務の現金提供価格の支払の金額に対して収受し得る特定利益の金額の割合その他の特定利益の計算の方法
(a) the method of the calculation of the rate of the amount of the specified profit that can be received out of the selling price in cash of goods or rights to pay to another person who engages in the resale or consignment sale or the intermediation of the sale of goods or rights, or the offering price in cash of services to pay to another person who engages in the offering of services of the same type, or the intermediation of offering of services, and any other method of the calculation of the specified profit
ロ イに掲げるもののほか、特定利益の全部又は一部が支払われないこととなる場合があるときは、その条件
(b) in addition to what are listed in (a), when there are any cases where the whole or a part of the specified profit is not paid, the conditions therefor
ハ イ及びロに掲げるもののほか、特定利益の支払の時期及び方法その他の特定利益の支払の条件
(c) in addition to what are listed in (a) and (b), the time and the method of the payment of the specified profit, and any other conditions for the payment of the specified profit
三 当該業務提供誘引販売取引に伴う特定負担に関する事項
(iii) matters concerning the specified burden involved in the Business Opportunity Related Sales Transactions
イ 商品の購入については、その購入先及び当該商品の引渡しの方法
(a) with regard to the purchase of goods, the supplier and the method of the delivery of said goods
ロ 権利の購入については、その購入先及び当該権利の移転の方法
(b) with regard to the purchase of rights, the supplier and the method of the transfer of said rights
ハ 役務の提供の方法
(c) the method of the offering of services
ニ 取引料の提供については、その提供先、金額、性格並びに提供の時期及び方法
(d) with regard to the provision of the transaction fee, the recipient, the amount, and the nature of the fee, and the time and method of the provision thereof
ホ 取引料のうち返還されるものがあるときは、その返還の条件
(e) when there is any portion of the transaction fee to be returned, the conditions for the return
五 前条第十一号に掲げる事項については、その内容に、商品若しくは指定権利の販売につきそれを販売した個別信用購入あつせん関係販売業者又は役務の提供につきそれを提供する個別信用購入あつせん関係役務提供事業者に対して生じている事由をもつて、支払分の支払の請求をする個別信用購入あつせん業者に対抗できる旨が定められていること。
(v) it shall be provided that with regard to the matters listed in item (xi) of the preceding Article, the grounds arising regarding the details thereof for the seller for the intermediation of individual credit purchases that has sold goods or designated rights or for the service provider for the intermediation of individual credit purchases that is to provide services may be asserted against the individual credit purchase intermediary that demands the payments;
六 前条第十二号から第十四号までに掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(vi) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in items (xii) to (xiv) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 支払時期の到来していない支払分の支払の請求に関する事項
(i) matters concerning the demand for the payments that have not yet become due
イ 購入者等の支払義務の不履行により支払時期の到来していない支払分の支払を請求することができる場合は、個別信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、個別信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(a) it is provided that the payments that have not yet become due may be demanded due to a failure of the Purchaser, etc. to perform the obligation to make payments only when the failure to perform the obligation has continued for a certain period of time as specified by the individual credit purchase intermediary, and the individual credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ロ 購入者等の支払義務の不履行以外の事由により支払時期の到来していない支払分の支払を請求することができる場合として、購入者等の信用が著しく悪化した場合又は重要な契約条項違反があつた場合以外の場合が定められていないこと。
(b) no other case than the case of the significant deterioration of the credit of the Purchaser, etc. or a violation of any important contract clause is provided as the case where the payments that have not yet become due may be demanded due to reasons other than a failure of the Purchaser, etc. to perform the obligation to make payments
二 支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額又は違約金に関する事項
(ii) matters concerning the amount of damages or a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled)
支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めが法第三十五条の三の十八第二項の規定に合致していること。
an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled) complies with the provisions of Article 35-3-18, paragraph (2) of the Act
三 前条第十二号及び第十三号に掲げるもの以外の特約
(iii) special agreements other than those listed in item (xii) and item (xiii) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
七 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ること。
(vii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
第八十三条 法第三十五条の三の九第四項第四号の経済産業省令で定める事項は、次のとおりとする。
Article 83 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-9, paragraph (4), item (iv) of the Act shall be as follows:
一 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者及び個別信用購入あつせん業者の名称、住所及び電話番号
(i) the name, address, and telephone number of the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases, and the individual credit purchase intermediary;
二 個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約の締結の年月日
(ii) the date of the conclusion of the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
三 商品名
(iii) the name of the goods;
四 商品の商標又は製造者及び型式
(iv) the trademark, manufacturer, or model of the goods;
五 商品の数量(権利又は役務の場合にあつては、契約上権利を行使し得る回数若しくは期間又は役務の提供を受けることができる回数若しくは期間)
(v) the quantity of the goods (in the case of rights or services, the number of times that or the period during which the rights can be exercised or the services can be received under the contract);
六 頭金の額
(vi) the amount of the initial deposit;
七 個別信用購入あつせん関係販売等契約が特定連鎖販売個人契約であるときは、当該連鎖販売取引に伴う特定負担及び特定利益に関する事項
(vii) when the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is a specified personal multilevel marketing contract, the matters concerning the specified burden and the specified profit involved in the Multilevel Marketing Transactions;
八 個別信用購入あつせん関係販売等契約が業務提供誘引販売個人契約であるときは、当該業務提供誘引取引に伴う特定負担に関する事項
(viii) when the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is a personal business opportunity related sales contract, the matters concerning the specified burden involved in the business opportunity related transactions;
九 支払分の支払回数
(ix) the number of payments;
十 個別信用購入あつせん関係販売等契約及び個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約について購入者等が問合わせ、相談等を行うことができる機関の名称及び住所又は電話番号
(x) the name and address or telephone number of the organization to which the Purchaser, etc. can make inquiries or hold consultations regarding the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases and the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
十一 個別信用購入あつせん業者に対する抗弁に関する事項
(xi) the matters concerning any defense against the individual credit purchase intermediary;
十二 支払時期の到来していない支払分の支払を請求することについての定めがあるときは、その内容
(xii) when there is an agreement on the demand for the payments that have not yet become due, the details thereof;
十三 支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めがあるときは、その内容
(xiii) when there is an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled), the details thereof;
十四 前各号に掲げるもののほか特約があるときは、その内容
(xiv) when there are any other special agreements in addition to what are listed in the preceding items, the details thereof.
第八十四条 法第三十五条の三の九第四項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。
Article 84 When an individual credit purchase intermediary delivers a document containing the matters set forth in the items of Article 35-3-9, paragraph (4) of the Act, it shall follow the rules specified in the following items:
一 第六十九条第一項第二号の表の上欄に掲げる用語をそれぞれ同表の下欄に掲げる定義により用いること。
(i) the terms listed in the left-hand column of the table of Article 69, paragraph (1), item (ii) shall be used, with the meanings as defined respectively in the right-hand column of said table;
二 法第三十五条の三の九第四項第二号に掲げる事項については、その内容が次の基準に合致していること。
(ii) with regard to the matters listed in Article 35-3-9, paragraph (4), item (ii) of the Act, the details thereof must be in accordance with the following criteria:
イ 個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約について、購入者等からの契約の解除ができない旨が定められていないこと。
(a) it is not provided that the Purchaser, etc. may not cancel the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
ロ 購入者等が法第三十五条の三の十第一項第四号から第六号までに定める契約の相手方である場合には同条第五項本文の規定により個別信用購入あつせん関係販売等契約が解除されたものとみなされることを赤枠の中に赤字で記載すること。
(b) it is indicated in red in a red box that if the Purchaser, etc. is the counterparty of any of the contracts specified in Article 35-3-10, paragraph (1), items (iv) to (vi) of the Act, the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases shall be deemed to have been cancelled pursuant to the provisions of the main clause of paragraph (5) of said Article;
ハ 購入者等が法第三十五条の三の十一第一項に規定する契約の相手方である場合には同条第七項本文の規定により個別信用購入あつせん関係販売等契約が解除されたものとみなされることを赤枠の中に赤字で記載すること。
(c) it is indicated in red in a red box that if the Purchaser, etc. is the counterparty of the contract prescribed in Article 35-3-11, paragraph (1) of the Act, the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases shall be deemed to have been cancelled pursuant to the provisions of the main clause of paragraph (7) of said Article;
ニ 購入者等の支払義務の不履行により個別信用購入あつせん関係受領契約を解除することができる場合は、個別信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、個別信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(d) it is provided that the cancellation of the contract for receiving the intermediation of individual credit purchases due to a failure of the Purchaser, etc. to perform the obligation to make payments is allowed only when the failure to perform the obligation has continued for a certain period of time specified by the individual credit purchase intermediary, and the individual credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period;
ホ 購入者等の責に帰すべき事由により個別信用購入あつせん関係受領契約が解除された場合の損害賠償等の額についての定めが法第三十五条の三の十八第一項の規定に合致していること。
(e) an agreement on the amount of damages, etc. in cases where the contract for receiving the intermediation of individual credit purchases has been cancelled due to a cause imputable to the Purchaser, etc. complies with the provisions of Article 35-3-18, paragraph (1) of the Act;
ヘ 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の責に帰すべき事由により個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約が解除された場合における個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の義務に関し、民法第五百四十五条に規定するものより購入者等に不利な特約が定められていないこと。
(f) with regard to the obligation of the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary in cases where the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases has been cancelled due to a cause imputable to the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary, there are no special agreements that are more disadvantageous to the Purchaser, etc. than those prescribed in Article 545 of the Civil Code;
三 法第三十五条の三の九第四項第三号に掲げる事項については、法第三十五条の三の五第一項の規定による調査の結果であつて第七十五条第二号に係るもののみを交付することをもつて足りる。
(iii) with regard to the matters listed in Article 35-3-9, paragraph (4), item (iii) of the Act, it shall be sufficient to deliver only the results of the investigation under Article 35-3-5, paragraph (1) of the Act that pertains to Article 75, item (ii);
四 前条第七号及び第八号に掲げる事項については、次の表の上欄に掲げる事項に応じ、それぞれ同表の下欄に掲げる内容を記載しなければならない。
(iv) with regard to the matters listed in item (vii) and item (viii) of the preceding Article, the details listed in the right-hand column of the following table shall be indicated, in accordance with the matters listed respectively in the relevant left-hand column of said table:
事項
Matters
内容
Details
一 当該連鎖販売取引に伴う特定負担に関する事項
(i) matters concerning the specified burden involved in the Multilevel Marketing Transactions
イ 商品の購入については、その購入先及び当該商品の引渡しの方法
(a) with regard to the purchase of goods, the supplier and the method of the delivery of said goods
ロ 権利の購入については、その購入先及び当該権利の移転の方法
(b) with regard to the purchase of rights, the supplier and the method of the transfer of said rights
ハ 役務の提供の方法
(c) the method of the offering of services
ニ 取引料の提供については、その提供先、金額、性格並びに提供の時期及び方法
(d) with regard to the provision of the transaction fee, the recipient, the amount, and the nature of the fee, and the time and method of the provision thereof
ホ 取引料のうち返還されるものがあるときは、その返還の条件
(e) when there is any portion of the transaction fee to be returned, the conditions for the return
二 特定利益に関する事項
(ii) matters concerning the specified profit
イ 商品若しくは権利の再販売、受託販売若しくは販売のあつせんをする他の者に対する商品若しくは権利の現金販売価格又は同種役務の提供若しくは役務の提供のあつせんをする他の者に対する役務の現金提供価格の支払の金額に対して収受し得る特定利益の金額の割合その他の特定利益の計算の方法
(a) the method of the calculation of the rate of the amount of the specified profit that can be received out of the selling price in cash of goods or rights to pay to another person who engages in the resale or consignment sale or the intermediation of the sale of goods or rights, or the offering price in cash of services to pay to another person who engages in the offering of services of the same type or the intermediation of offering of services, and any other method of the calculation of the specified profit
ロ イに掲げるもののほか、特定利益の全部又は一部が支払われないこととなる場合があるときは、その条件
(b) in addition to what are listed in (a), when there are any cases where the whole or a part of the specified profit is not paid, the conditions therefor
ハ イ及びロに掲げるもののほか、特定利益の支払の時期及び方法その他の特定利益の支払の条件
(c) in addition to what are listed in (a) and (b), the time and the method of the payment of the specified profit, and any other conditions for the payment of the specified profit
三 当該業務提供誘引販売取引に伴う特定負担に関する事項
(iii) matters concerning the specified burden involved in the Business Opportunity Related Sales Transactions
イ 商品の購入については、その購入先及び当該商品の引渡しの方法
(a) with regard to the purchase of goods, the supplier and the method of the delivery of said goods
ロ 権利の購入については、その購入先及び当該権利の移転の方法
(b) with regard to the purchase of rights, the supplier and the method of the transfer of said rights
ハ 役務の提供の方法
(c) the method of the offering of services
ニ 取引料の提供については、その提供先、金額、性格並びに提供の時期及び方法
(d) with regard to the provision of the transaction fee, the recipient, the amount, and the nature of the fee, and the time and method of the provision thereof
ホ 取引料のうち返還されるものがあるときは、その返還の条件
(e) when there is any portion of the transaction fee to be returned, the conditions for the return
五 前条第十一号に掲げる事項については、その内容に、商品若しくは指定権利の販売につきそれを販売した個別信用購入あつせん関係販売業者又は役務の提供につきそれを提供する個別信用購入あつせん関係役務提供事業者に対して生じている事由をもつて、支払分の支払の請求をする個別信用購入あつせん業者に対抗できる旨が定められていること。
(v) it shall be provided that with regard to the matters listed in item (xi) of the preceding Article, the grounds arising regarding the details thereof for the seller for the intermediation of individual credit purchases that has sold goods or designated rights or for the service provider for the intermediation of individual credit purchases that is to provide services may be asserted against the individual credit purchase intermediary that demands the payments;
六 前条第十二号から第十四号までに掲げる事項のうち次の表の上欄に掲げる事項についての定めがあるときは、その内容がそれぞれ同表の下欄の基準に合致していること。
(vi) when there is an agreement on the matters listed in the left-hand column of the following table, out of the matters listed in items (xii) to (xiv) of the preceding Article, the details thereof must be in accordance with the criteria specified respectively in the right-hand column of said table:
事項
Matters
内容の基準
Criteria
一 支払時期の到来していない支払分の支払の請求に関する事項
(i) matters concerning the demand for the payments that have not yet become due
イ 購入者等の支払義務の不履行により支払時期の到来していない支払分の支払を請求することができる場合は、個別信用購入あつせん業者が定める一定期間にわたり義務の不履行があつた場合であつて、個別信用購入あつせん業者が二十日以上の相当な期間を定めてその支払を書面で催告し、その期間内にその義務が履行されない場合に限る旨が定められていること。
(a) it is provided that the payments that have not yet become due may be demanded due to a failure of the Purchaser, etc. to perform the obligation to make payments only when the failure to perform the obligation has continued for a certain period of time specified by the individual credit purchase intermediary, and the individual credit purchase intermediary has demanded the payment in writing specifying a reasonable period of not less than 20 days but there has been a failure to perform the obligation within said period
ロ 購入者等の支払義務の不履行以外の事由により支払時期の到来していない支払分の支払を請求することができる場合として、購入者等の信用が著しく悪化した場合又は重要な契約条項違反があつた場合以外の場合が定められていないこと。
(b) no other case than the case of the significant deterioration of the credit of the Purchaser, etc. or a violation of any important contract clause is provided as the case where the payments that have not yet become due may be demanded due to reasons other than a failure of the Purchaser, etc. to perform the obligation to make payments
二 支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額又は違約金に関する事項
(ii) matters concerning the amount of damages or a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled)
支払分の支払の義務が履行されない場合(個別信用購入あつせん関係受領契約が解除された場合を除く。)の損害賠償額の予定又は違約金の定めが法第三十五条の三の十八第二項の規定に合致していること。
an agreement on liquidated damages or a provision for a penalty charge in the case of any failure to perform the obligation to make payments (excluding cases where the contract for receiving the intermediation of individual credit purchases has been cancelled) complies with the provisions of Article 35-3-18, paragraph (2) of the Act
三 前条第十二号及び第十三号に掲げるもの以外の特約
(iii) special agreements other than those listed in item (xii) and item (xiii) of the preceding Article
法令に違反する特約が定められていないこと。
there are no special agreements that are in violation of laws and regulations
七 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ること。
(vii) letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used.
(個別信用購入あつせん関係受領契約の申込みの撤回等の妨害後の書面の交付)
(Delivery of Documents after Obstructing Withdrawal, etc. of Application for a Contract for Receiving the Intermediation of Individual Credit Purchases)
第八十五条 法第三十五条の三の十第一項の規定により交付する書面には、次に掲げる事項を記載しなければならない。
Article 85 (1) The document to be delivered pursuant to the provisions of Article 35-3-10, paragraph (1) of the Act shall contain the following matters:
一 法第三十五条の三の十第一項の規定に基づき、当該書面を受領した日から起算して八日を経過するまでは、書面により訪問販売等契約(法第三十五条の三の九第一項第一号から第三号までのいずれか又は第三項第一号から第三号までのいずれかに掲げる個別信用購入あつせん関係販売等契約をいう。以下この号、第五号及び第六号において同じ。)に係る個別信用購入あつせん関係受領契約の申込みの撤回又は訪問販売等契約に係る個別信用購入あつせん関係受領契約の解除を行うことができること。
(i) that during the period up to the day on which eight days have passed from the day on which the document was received, the application for a contract for receiving the intermediation of individual credit purchases that pertains to a contract for Door-to-Door Sales, etc. (meaning a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases listed in any of items (i) to (iii) of paragraph (1), or any of items (i) to (iii) of paragraph (3) of Article 35-3-9 of the Act; hereinafter the same shall apply in this item, item (v), and item (vi)) may be withdrawn, or the contract for receiving the intermediation of individual credit purchases that pertains to a contract for Door-to-Door Sales, etc. may be cancelled, in writing, based on the provisions of Article 35-3-10, paragraph (1) of the Act;
二 法第三十五条の三の十第二項、第三項、第五項から第七項まで、第九項から第十一項まで、第十三項及び第十四項の規定に関する事項(法第三十五条の三の九第一項第一号若しくは第二号又は第三項第一号若しくは第二号に掲げる個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約に係るものに限る。)
(ii) the matters concerning the provisions of paragraph (2), paragraph (3), paragraphs (5) to (7), paragraphs (9) to (11), paragraph (13), and paragraph (14) of Article 35-3-10 of the Act (limited to the matters pertaining to the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases listed in paragraph (1), item (i) or item (ii), or paragraph (3), item (i) or item (ii) of Article 35-3-9 of the Act);
三 法第三十五条の三の十第二項、第三項、第五項から第七項まで、第九項、第十項及び第十二項から第十四項までの規定に関する事項(法第三十五条の三の九第一項第三号又は第三項第三号に掲げる個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約に係るものに限る。)
(iii) the matters concerning the provisions of paragraph (2), paragraph (3), paragraphs (5) to (7), paragraph (9), paragraph (10), and paragraphs (12) to (14) of Article 35-3-10 of the Act (limited to the matters pertaining to the contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases listed in paragraph (1), item (iii), or paragraph (3), item (iii) of Article 35-3-9 of the Act);
四 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者及び個別信用購入あつせん業者の名称、住所及び電話番号
(iv) the name, address, and telephone number of the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases, and the individual credit purchase intermediary;
五 訪問販売等契約に係る個別信用購入あつせん関係受領契約の申込み又は締結の年月日
(v) the date of filing the application for or concluding the contract for receiving the intermediation of individual credit purchases that pertains to a contract for Door-to-Door Sales, etc.;
六 訪問販売等契約に係る個別信用購入あつせん関係受領契約の内容
(vi) the details of the contract for receiving the intermediation of individual credit purchases that pertains to a contract for Door-to-Door Sales, etc.
2 書面には日本工業規格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なければならない。
(2) Letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used for the document.
3 書面に記載するに際し、第一項第一号及び第二号又は第三号に掲げる事項の内容については赤枠の中に赤字で記載しなければならない。
(3) When filling out the document, the details of the matters listed in paragraph (1), item (i) and item (ii) or item (iii) shall be indicated in red in a red box.
4 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者は、法第三十五条の三の十第一項の規定により交付する書面を申込者等(同項に規定する申込者等をいう。以下この項において同じ。)に交付した際には、直ちに申込者等が当該書面を見ていることを確認した上で、第一項第一号及び第二号又は第三号に掲げる事項の内容について申込者等に告げなければならない。
(4) When a seller for the intermediation of individual credit purchases, a service provider for the intermediation of individual credit purchases, or an individual credit purchase intermediary has delivered a document to be delivered under Article 35-3-10, paragraph (1) of the Act to the applicant, etc. (meaning the applicant, etc. prescribed in said paragraph; hereinafter the same shall apply in this paragraph), it shall immediately confirm that the applicant, etc. sees said document and convey to the applicant, etc. the details of the matters listed in paragraph (1), item (i) and item (ii) or item (iii).
第八十六条 法第三十五条の三の十一第一項第一号の規定により交付する書面には、次に掲げる事項を記載しなければならない。
Article 86 (1) The document to be delivered pursuant to the provisions of Article 35-3-11, paragraph (1), item (i) of the Act shall contain the following matters:
一 法第三十五条の三の十一第一項第一号の規定に基づき、当該書面を受領した日から起算して二十日を経過するまでは、書面により特定連鎖販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込みの撤回又は特定連鎖販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の解除を行うことができること。
(i) that during the period up to the day on which 20 days have passed from the day on which the document was received, the application for a contract for receiving the intermediation of individual credit purchases that pertains to a specified personal multilevel marketing contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases may be withdrawn, or the contract for receiving the intermediation of individual credit purchases that pertains to a specified personal multilevel marketing contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases may be cancelled, in writing, based on the provisions of Article 35-3-11, paragraph (1), item (i) of the Act;
二 法第三十五条の三の十一第二項、第四項、第五項、第七項から第九項まで、第十一項及び第十二項の規定に関する事項
(ii) the matters concerning the provisions of paragraph (2), paragraph (4), paragraph (5), paragraphs (7) to (9), paragraph (11), and paragraph (12) of Article 35-3-11 of the Act;
三 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者及び個別信用購入あつせん業者の名称、住所及び電話番号
(iii) the name, address, and telephone number of the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases, and the individual credit purchase intermediary;
四 特定連鎖販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込み又は締結の年月日
(iv) the date of filing the application for or concluding the contract for receiving the intermediation of individual credit purchases that pertains to a specified personal multilevel marketing contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
五 特定連鎖販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の内容
(v) the details of the contract for receiving the intermediation of individual credit purchases that pertains to a specified personal multilevel marketing contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases.
2 書面には日本工業規格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なければならない。
(2) Letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used for the document.
3 書面に記載するに際し、第一項第一号及び第二号に掲げる事項の内容については赤枠の中に赤字で記載しなければならない。
(3) When filling out the document, the details of the matters listed in paragraph (1), item (i) and item (ii) shall be indicated in red in a red box.
4 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者、個別信用購入あつせん業者又は統括者、勧誘者若しくは一般連鎖販売業者は、法第三十五条の三の十一第一項第一号の規定により交付する書面を特定連鎖販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込者等(同項各号列記以外の部分に規定する申込者等をいう。以下この条から第八十八条までにおいて同じ。)に交付した際には、直ちに当該申込者等が当該書面を見ていることを確認した上で、第一項第一号及び第二号に掲げる事項の内容について当該申込者等に告げなければならない。
(4) When a seller for the intermediation of individual credit purchases, a service provider for the intermediation of individual credit purchases, an individual credit purchase intermediary, a supervisor, a solicitor, or a general multilevel marketing distributor has delivered a document to be delivered under Article 35-3-11, paragraph (1), item (i) of the Act to the applicant, etc. (meaning the applicant, etc. prescribed in the part other than those listed in the items of said paragraph; hereinafter the same shall apply in this Article through to Article 88) for the contract for receiving the intermediation of individual credit purchases that pertains to a specified personal multilevel marketing contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, it shall immediately confirm that the applicant, etc. sees said document and convey to the applicant, etc. the details of the matters listed in paragraph (1), item (i) and item (ii).
第八十七条 法第三十五条の三の十一第一項第二号の規定により交付する書面には、次に掲げる事項を記載しなければならない。
Article 87 (1) The document to be delivered pursuant to the provisions of Article 35-3-11, paragraph (1), item (ii) of the Act shall contain the following matters:
一 法第三十五条の三の十一第一項第二号の規定に基づき、当該書面を受領した日から起算して八日を経過するまでは、書面により特定継続的役務提供等契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込みの撤回又は特定継続的役務提供等契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の解除を行うことができること。
(i) that during the period up to the day on which eight days have passed from the day on which the document was received, the application for a contract for receiving the intermediation of individual credit purchases that pertains to a Specified Continuous Service Contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases may be withdrawn, or the contract for receiving the intermediation of individual credit purchases that pertains to a Specified Continuous Service Contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases may be cancelled, in writing, based on the provisions of Article 35-3-11, paragraph (1), item (ii) of the Act;
二 法第三十五条の三の十一第三項から第五項まで、第七項から第九項まで及び第十一項から第十四項までの規定に関する事項
(ii) the matters concerning the provisions of paragraphs (3) to (5), paragraphs (7) to (9), and paragraphs (11) to (14) of Article 35-3-11 of the Act;
三 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者及び個別信用購入あつせん業者の名称、住所及び電話番号
(iii) the name, address, and telephone number of the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases, and the individual credit purchase intermediary;
四 特定継続的役務提供等契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込み又は締結の年月日
(iv) the date of filing the application for or concluding the contract for receiving the intermediation of individual credit purchases that pertains to a Specified Continuous Service Contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
五 特定継続的役務提供等契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の内容
(v) the details of the contract for receiving the intermediation of individual credit purchases that pertains to a Specified Continuous Service Contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases.
2 書面には日本工業規格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なければならない。
(2) Letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used for the document.
3 書面に記載するに際し、第一項第一号及び第二号に掲げる事項の内容については赤枠の中に赤字で記載しなければならない。
(3) When filling out the document, the details of the matters listed in paragraph (1), item (i) and item (ii) shall be indicated in red in a red box.
4 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者は、法第三十五条の三の十一第一項第二号の規定により交付する書面を特定継続的役務提供等契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込者等に交付した際には、直ちに当該申込者等が当該書面を見ていることを確認した上で、第一項第一号及び第二号に掲げる事項の内容について当該申込者等に告げなければならない。
(4) When a seller for the intermediation of individual credit purchases, a service provider for the intermediation of individual credit purchases, or an individual credit purchase intermediary has delivered a document to be delivered under Article 35-3-11, paragraph (1), item (ii) of the Act to the applicant, etc. for the contract for receiving the intermediation of individual credit purchases that pertains to a Specified Continuous Service Contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, it shall immediately confirm that the applicant, etc. sees said document and convey to the applicant, etc. the details of the matters listed in paragraph (1), item (i) and item (ii).
第八十八条 法第三十五条の三の十一第一項第三号の規定により交付する書面には、次に掲げる事項を記載しなければならない。
Article 88 (1) The document to be delivered pursuant to the provisions of Article 35-3-11, paragraph (1), item (iii) of the Act shall contain the following matters:
一 法第三十五条の三の十一第一項第三号の規定に基づき、当該書面を受領した日から起算して二十日を経過するまでは、書面により業務提供誘引販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込みの撤回又は業務提供誘引販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の解除を行うことができること。
(i) that during the period up to the day on which 20 days have passed from the day on which the document was received, the application for a contract for receiving the intermediation of individual credit purchases that pertains to a personal business opportunity related sales contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases may be withdrawn, or the contract for receiving the intermediation of individual credit purchases that pertains to a personal business opportunity related sales contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases may be cancelled, in either case in writing, based on the provisions of Article 35-3-11, paragraph (1), item (iii) of the Act;
二 法第三十五条の三の十一第四項、第五項、第七項から第九項まで、第十一項及び第十二項の規定に関する事項
(ii) the matters concerning the provisions of paragraph (4), paragraph (5), paragraphs (7) to (9), paragraph (11), and paragraph (12) of Article 35-3-11 of the Act;
三 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者及び個別信用購入あつせん業者の名称、住所及び電話番号
(iii) the name, address, and telephone number of the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases, and the individual credit purchase intermediary;
四 業務提供誘引販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込み又は締結の年月日
(iv) the date of filing the application for or concluding the contract for receiving the intermediation of individual credit purchases that pertains to a personal business opportunity related sales contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases;
五 業務提供誘引販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の内容
(v) the details of the contract for receiving the intermediation of individual credit purchases that pertains to a personal business opportunity related sales contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases.
2 書面には日本工業規格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なければならない。
(2) Letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used for the document.
3 書面に記載するに際し、第一項第一号及び第二号に掲げる事項の内容については赤枠の中に赤字で記載しなければならない。
(3) When filling out the document, the details of the matters listed in paragraph (1), item (i) and item (ii) shall be indicated in red in a red box.
4 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者は、法第三十五条の三の十一第一項第三号の規定により交付する書面を業務提供誘引販売個人契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込者等に交付した際には、直ちに当該申込者等が当該書面を見ていることを確認した上で、第一項第一号及び第二号に掲げる事項の内容について当該申込者等に告げなければならない。
(4) When a seller for the intermediation of individual credit purchases, a service provider for the intermediation of individual credit purchases, or an individual credit purchase intermediary has delivered a document to be delivered under Article 35-3-11, paragraph (1), item (iii) of the Act to the applicant, etc. for the contract for receiving the intermediation of individual credit purchases that pertains to a personal business opportunity related sales contract falling under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, it shall immediately confirm that the applicant, etc. sees said document and convey to them the details of the matters listed in paragraph (1), item (i) and item (ii).
(業務の運営に関する措置)
(Measures Concerning Operation of Business)
第八十九条 個別信用購入あつせん業者は、法第三十五条の三の二十の規定によりその取り扱う購入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 89 When an individual credit purchase intermediary entrusts the safety management of information on Purchasers, etc. that it handles, the supervision of workers, and the handling of said information, pursuant to the provisions of Article 35-3-20 of the Act, it shall take necessary and appropriate measures for supervising the Entrusted Person so as to prevent the leakage or loss of or damage to said information.
第九十条 個別信用購入あつせん業者は、法第三十五条の三の二十の規定により特定信用情報提供等業務を行う者から提供を受けた情報であつて購入者等の支払能力に関するものを、支払能力調査以外の目的に使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 90 An individual credit purchase intermediary shall take measures for ensuring that it shall not use any information concerning the ability to pay of Purchasers, etc. that it has received, pursuant to the provisions of Article 35-3-20 of the Act, from a person engaging in the business of specified credit information services, etc., for any other purposes than for the investigation into the ability to pay.
第九十一条 個別信用購入あつせん業者は、法第三十五条の三の二十の規定によりその取り扱う購入者等に関する人種、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に使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 91 An individual credit purchase intermediary shall take measures for ensuring that it shall not use any information on Purchasers, etc. concerning their race, creed, family origin, domicile of origin, health and medical care, or criminal background, and any other special private information that it handles pursuant to the provisions of Article 35-3-20 of the Act, for any other purposes than for ensuring the proper operation of the business and any other purposes that are deemed to be necessary.
第九十二条 個別信用購入あつせん業者は、法第三十五条の三の二十の規定により個別信用購入あつせん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 92 When an individual credit purchase intermediary entrusts the business of the intermediation of individual credit purchases to a third party, pursuant to the provisions of Article 35-3-20 of the Act, it shall take the following measures, in accordance with the contents of said business:
一 当該業務を適確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 for entrusting the business to a person that has the ability to perform it properly;
二 受託者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適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 for carrying out the necessary and appropriate supervision over the Entrusted Person, such as through inspecting whether or not the Entrusted Person is performing said business properly by confirming, regularly or as necessary, the status of the Entrusted Person's performance of said business, and through having said person make any required improvements;
三 受託者が行う当該業務に係る購入者等からの苦情の適切かつ迅速な処理のために必要な措置
(iii) measures necessary for appropriately and promptly processing complaints from Purchasers, etc. pertaining to said business performed 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、当該業務に係る購入者等の利益の保護に支障が生じること等を防止するための措置
(iv) measures for preventing any hindrance to the protection of the interests of Purchasers, etc. pertaining to said business, such as through entrusting said business to another third party promptly in the event that the Entrusted Person cannot perform said business properly;
五 受託者が当該業務を適確に遂行していない場合であつて当該業務に係る購入者等の利益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) measures for taking necessary measures such as changing or canceling the contract for the entrustment of said business, in cases where the Entrusted Person does not perform said business properly and it is necessary for protecting the interests of Purchasers, etc. pertaining to said business.
第九十三条 個別信用購入あつせん業者は、法第三十五条の三の二十の規定により法第三十五条の三の九第一項第一号若しくは第二号又は第三項第一号若しくは第二号に掲げる個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約を締結しようとする場合において、法第三十五条の三の五第一項の規定による調査その他の方法により知つた事項からみて、当該個別信用購入あつせん関係販売等契約が特定商取引に関する法律第九条の二第一項各号に掲げる契約に該当するおそれがあると認めるときは、当該個別信用購入あつせん関係販売等契約に係る個別信用購入あつせん関係受領契約を締結してはならない。ただし、当該購入者等が当該個別信用購入あつせん関係販売等契約の締結を必要とする特別の事情があることを確認したときは、この限りでない。
Article 93 In cases where an individual credit purchase intermediary intends to conclude, pursuant to the provisions of Article 35-3-20 of the Act, a contract for receiving the intermediation of individual credit purchases that pertains to a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases listed in paragraph (1), item (i) or item (ii), or paragraph (3), item (i) or item (ii) of Article 35-3-9 of the Act, and when it deems, in light of the information obtained through an investigation under Article 35-3-5, paragraph (1) of the Act or by any other means, that said Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases is likely to fall under the category of a contract as listed in the items of Article 9-2, paragraph (1) of the Act on Specified Commercial Transactions, it shall not conclude the contract for receiving the intermediation of individual credit purchases that pertains to the Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases; provided, however, that this shall not apply when it has confirmed that there are any special circumstances under which the Purchaser, etc. needs to conclude said Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases.
第九十四条 個別信用購入あつせん業者は、法第三十五条の三の二十の規定により購入者等からの苦情の適切かつ迅速な処理のために必要な措置を講じるときは、次の各号に定めるところによらなければならない。
Article 94 When an individual credit purchase intermediary takes measures necessary for appropriately and promptly processing complaints from Purchasers, etc., pursuant to the provisions of Article 35-3-20 of the Act, it shall follow the rules specified in the following items:
一 購入者等からの苦情を受け付けたときは、遅滞なく、当該苦情に係る事項の原因を究明すること。
(i) when receiving complaints from Purchasers, etc., the individual credit purchase intermediary shall search the causes of the matters pertaining to said complaints without delay;
二 前号の規定による原因究明により知つた事項からみて、同号の苦情に係る事項の原因が次のいずれかに係るものであると認めるときは、当該苦情の内容に応じ、当該苦情の処理のために必要な事項を調査すること。
(ii) when deeming that the causes of the matters pertaining to complaints as set forth in the preceding item relate to any of the following, in light of the information obtained through the search for the causes of the complaints set forth in said item, the individual credit purchase intermediary shall investigate any matters necessary for processing said complaints, in accordance with the details of the complaints:
イ 個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者が個別信用購入あつせん関係販売等契約(特定契約に係る個別信用購入あつせん関係販売等契約を除く。)の申込み又は締結の勧誘をするに際し、法第三十五条の三の七各号のいずれかに該当する行為をしたこと。
(a) that the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases has conducted an act falling under any of the items of Article 35-3-7 of the Act, upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases (excluding a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract);
ロ 個別信用購入あつせん業者が個別信用購入あつせんに係る業務に関し購入者等の利益の保護に欠ける行為をしたこと。
(b) that the individual credit purchase intermediary has conducted any acts which fall short of protecting the interests of Purchasers, etc. with regard to the business pertaining to the intermediation of individual credit purchases;
三 第一号の規定による原因究明、認定割賦販売協会の保有する情報の確認その他の方法により知つた事項に基づき、購入者等からの苦情であつて、当該苦情に係る事項の原因が個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者による個別信用購入あつせんに係る業務に関する購入者等の利益の保護に欠ける行為に係るもの(苦情に係る事項の原因が第七十七条第一項第二号及び第三号並びに前号イに規定するものにある苦情を除く。以下この号において同じ。)の発生状況及び他の個別信用購入あつせん関係販売業者等による個別信用購入あつせんに係る業務に関する購入者等の利益の保護に欠ける行為に係る苦情の発生状況からみて、当該個別信用購入あつせん関係販売業者又は当該個別信用購入あつせん関係役務提供事業者が当該他の個別信用購入あつせん関係販売業者等に比し、購入者等の利益の保護に欠けると認められるときは、当該苦情の内容に応じ、当該苦情の処理のために必要な事項を調査すること。
(iii) in cases where, based on the information obtained through the search for the causes of the complaints under item (i), the confirmation of information held by a certified installment sales association or by any other means, and in light of how complaints have been filed by Purchasers, etc. concerning acts which fall short of protecting the interests of Purchasers, etc. with regard to the business pertaining to the intermediation of individual credit purchases conducted by the seller for the intermediation of individual credit purchases or the service provider for the intermediation of individual credit purchases (excluding complaints the causes of which are as prescribed in Article 77, paragraph (1), item (ii) and item (iii), and (a) of the preceding item; hereinafter the same shall apply in this item) and how complaints have been filed by Purchasers, etc. concerning acts which fall short of protecting the interests of Purchasers, etc. with regard to the business pertaining to the intermediation of individual credit purchases conducted by the Other Seller, etc. for the Intermediation of Individual Credit Purchases, it is deemed that said seller for the intermediation of individual credit purchases or said service provider for the intermediation of individual credit purchases lacks in protection of the interests of Purchasers, etc. compared with said Other Seller, etc. for the Intermediation of Individual Credit Purchases, the individual credit purchase intermediary shall investigate any matters necessary for processing said complaints, in accordance with the details of the complaints;
四 前二号の規定による調査の結果に基づき、個別信用購入あつせんに係る業務に関し改善が必要な場合には、所要の措置を講じること。
(iv) in cases where it is necessary, based on the results of the investigation under the preceding two items, to make improvements to the business pertaining to the intermediation of individual credit purchases, the individual credit purchase intermediary shall take the required measures.
(情報通信の技術を利用する方法)
(Means of Using Information and Communications Technology)
第九十五条 法第三十五条の三の二十二第一項の電磁的方法は、次に掲げる方法とする。
Article 95 (1) The electromagnetic means set forth in Article 35-3-22, paragraph (1) of the Act shall be the following:
一 電子情報処理組織を使用する方法のうちイ又はロに掲げるもの
(i) means of using an electronic data processing system listed in (a) or (b):
イ 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の使用に係る電子計算機と購入者等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、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
(a) means of sending a document through a telecommunication line connecting the computer used by the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary, and the computer used by the Purchaser, etc., and recording it in a file on the computer used by the recipient;
ロ 個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業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書面に記載すべき事項を電気通信回線を通じて購入者等の閲覧に供し、当該購入者等の使用に係る電子計算機に備えられたファイルに当該事項を記録する方法(法第三十五条の三の二十二第一項の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あつては、個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業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)
(b) means of providing the Purchaser, etc. with the matters to be indicated in a document which are recorded in a file on the computer used by the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary, for inspection through a telecommunication line, and recording said matters in a file on the computer used by said Purchaser, etc. (in the case of consenting or refusing to accept the provision of matters through the electromagnetic means prescribed in the first sentence of Article 35-3-22, paragraph (1) of the Act, means of recording to that effect in a file on the computer used by the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary);
二 磁気ディスク、シー・ディー・ロムその他これらに準ずる方法により一定の事項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書面に記載すべき事項を記録したものを交付する方法
(ii) means of delivering a file, prepared in the form of a magnetic disk, CD-ROM, or any other equivalent means that may reliably store certain matters, which contains the matters to be indicated in a document.
2 前項に掲げる方法は、購入者等がファイルへの記録を出力することによる書面を作成できるものでなければならない。
(2) The means listed in the preceding paragraph shall be the one that allows the Purchaser, etc. to prepare a document by outputting the contents recorded in the file.
3 第一項第一号の「電子情報処理組織」とは、個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者の使用に係る電子計算機と、購入者等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 "electronic data processing system" set forth in paragraph (1), item (i) shall mean the electronic data processing system that connects the computer used by the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary, and the computer used by the Purchaser, etc. through a telecommunication line.
第九十六条 令第二十五条第一項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 96 The type and details of the means to be indicated pursuant to the provisions of Article 25, paragraph (1) of the Order shall be the following matters:
一 前条第一項に規定する方法のうち個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者が使用するもの
(i) the means prescribed in paragraph (1) of the preceding Article that is used by the seller for the intermediation of individual credit purchases, the service provider for the intermediation of individual credit purchases, or the individual credit purchase intermediary;
二 ファイルへの記録の方式
(ii) the method of recording in the file.
第九十七条 令第二十五条第三項の規定による確認は、文書、口頭、電信又は電話、電子情報処理組織を使用する方法その他の方法で購入者等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ことを確認することにより行うものとする。
Article 97 Confirmation under Article 25, paragraph (3) of the Order shall be made by confirming that the matters have been recorded in a file on the computer used by the Purchaser, etc., in writing, orally, by cable or telephone, by means of using an electronic data processing system, or by any other means.
第九十八条 法第三十五条の三の二十二第二項の経済産業省令で定める方法は、第九十五条第一項第二号に掲げる方法とする。
Article 98 The means specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-22, paragraph (2) of the Act shall be the means listed in Article 95, paragraph (1), item (ii).
第二款 個別信用購入あつせん業者の登録等
Subsection 2 Registration, etc. of Individual Credit Purchase Intermediaries
(登録の申請)
(Application for Registration)
第九十九条 法第三十五条の三の二十四第一項の申請書は、様式第十六によるものとする。
Article 99 (1) A written application as set forth in Article 35-3-24, paragraph (1) of the Act shall be prepared in accordance with Form 16.
2 法第三十五条の三の二十四第二項の経済産業省令で定める書類は、次のとおりとする。
(2) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-24, paragraph (2) of the Act shall be as follows:
一 登録申請書提出日前一月以内の一定の日の現在において様式第二により作成した財産に関する調書並びに登録申請書提出日の直前事業年度の貸借対照表、損益計算書及び株主資本等変動計算書又はこれらに代わる書面。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、会社法第四百三十五条第一項若しくは第六百十七条第一項の規定により成立のときに作成する貸借対照表又はこれに代わる書面
(i) the record on the property prepared in accordance with Form 2 as of a certain day within one month prior to the day of submitting the written application for registration, and the balance sheet, profit and loss statements, and statements of changes in net assets for the business year immediately prior to the day of submitting the written application for registration or any alternative documents; provided, however, that with regard to a corporation that has been established in the business year containing the day of filing the application for registration, the balance sheet that is to be prepared upon the establishment of said corporation pursuant to the provisions of Article 435, paragraph (1) or Article 617, paragraph (1) of the Companies Act or any alternative documents;
二 兼営事業がある場合には、その種類及び概要を記載した書面
(ii) in cases where there are any additional businesses, the documents stating their types and an outline thereof;
三 役員の履歴書
(iii) curricula vitae of officers;
四 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
(iv) the list of names of shareholders or members, and the list of names of shareholders or members of the parent company, or any alternative documents;
五 加入指定信用情報機関の商号又は名称を記載した書面
(v) a document stating the trade names or names of participating designated credit information institutions;
六 特定信用情報提供契約を締結している特定信用情報提供等業務を行う者の商号又は名称を記載した書面
(vi) a document stating the trade names or names of persons that have concluded a specified credit information service contract and perform the business of specified credit information services, etc.;
七 個別信用購入あつせんに係る業務に関する社内規則等(個別信用購入あつせん業者又はその役員、使用人その他の従業者が遵守すべき規則その他これに準ずるものであつて個別信用購入あつせん業者が作成するものをいう。第百一条において同じ。)
(vii) the internal rules, etc. concerning the business pertaining to the intermediation of individual credit purchases (meaning rules that are to be followed by the individual credit purchase intermediary or its officers, workers, and other employees, and other equivalent rules prepared by the individual credit purchase intermediary; the same shall apply in Article 101);
八 個別信用購入あつせんに係る業務に関する組織図
(viii) an organization chart concerning the business pertaining to the intermediation of individual credit purchases;
九 法第三十五条の三の二十六第一項第三号から第九号までの規定に該当しないことを誓約する書面
(ix) a document to pledge that the person does not fall under any of the provisions of Article 35-3-26 paragraph (1), items (iii) to (ix) of the Act.
3 第十二条第三項の規定は、法第三十五条の三の二十四第三項の経済産業省令で定める電磁的記録に準用する。
(3) The provisions of Article 12, paragraph (3) shall apply mutatis mutandis to the electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-24, paragraph (3) of the Act.
(不正な行為等をするおそれがあると認められる法人)
(A Juridical Person Deemed to be Likely to Conduct Illegal Acts, etc.)
第百条 法第三十五条の三の二十六第一項第八号に規定する経済産業省令で定めるものは、次の各号のいずれかに該当する法人とする。
Article 100 The corporation specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-26, paragraph (1), item (viii) of the Act shall be that which falls under any of the following items:
一 法第三十五条の三の三十二第一項各号又は第二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期間内に法第三十五条の三の三十五において準用する法第二十六条第一項の規定による届出をした法人(個別信用購入あつせんの営業の廃止について相当の理由のある法人を除く。以下この条において同じ。)で、当該届出の日から五年を経過しない法人
(i) a corporation which has made a notification under Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3-35 of the Act during the period from the day on which a notice was given, pursuant to the provisions of Article 15 of the Administrative Procedure Act, pertaining to a disposition of rescission of registration on the grounds that the corporation falls under any of the items of paragraph (1) or the items of paragraph (2) of Article 35-3-32 of the Act to the day on which said disposition is made or it is determined not to make said disposition (such corporation shall exclude a corporation that has reasonable grounds for the abolition of its business of the intermediation of individual credit purchases; hereinafter the same shall apply in this Article), and for which five years have not passed from the day of making said notification;
二 前号の期間内に法第三十五条の三の三十五において準用する法第二十六条第一項の規定による届出をした法人の業務を執行する社員又はこれに準ずる者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廃止の日までの間にその地位にあつたもの(法人に限る。)で、当該届出の日から五年を経過しない法人
(ii) a person that used to be a member executing the business or any equivalent person of a corporation that has made a notification under Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3-35 of the Act during the period set forth in the preceding item, and was in said position during the period from the day 30 days prior to the day on which a notice as set forth in the preceding item was given up to the day of abolishing said corporation (such person shall be limited to a corporation), and for which five years have not passed from the day of making said notification;
三 役員のうちに、第一号の期間内に法第三十五条の三の三十五において準用する法第二十六条第一項の規定による届出をした法人の役員であつた者であつて第一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者のある法人
(iii) a corporation which has, as one of its officers, a person that used to be an officer of a corporation that has made a notification under Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3-35 of the Act during the period set forth in item (i), and that was in said position during the period from the day 30 days prior to the day on which a notice as set forth in item (i) was given up to the day of abolishing said corporation, and for which five years have not passed from the day of making said notification.
(個別信用購入あつせんの公正かつ適確な実施を確保するために必要な体制)
(Systems Necessary for Securing Fair and Proper Performance of the Intermediation of Individual Credit Purchases)
第百一条 法第三十五条の三の二十六第一項第九号に規定する経済産業省令で定める体制は、次のとおりとする。
Article 101 (1) The systems specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-26, paragraph (1), item (ix) of the Act shall be as follows:
一 法第三十五条の三の三第一項本文に規定する調査、法第三十五条の三の五第一項に規定する調査その他法に定める措置の円滑な実施を確保するために必要な体制
(i) a system necessary for securing the smooth implementation of an investigation as prescribed in the main clause of Article 35-3-3, paragraph (1) of the Act, an investigation as prescribed in Article 35-3-5, paragraph (1) of the Act, and any other measures as specified in the Act;
二 購入者等の苦情を適切かつ迅速に処理するために必要な体制
(ii) a system necessary for appropriately and promptly processing complaints from Purchasers, etc.;
三 個別信用購入あつせんの公正かつ適確な実施を確保するため十分な社内規則等を定めていること。
(iii) sufficient internal rules, etc. shall be established so as to secure the fair and proper performance of the intermediation of individual credit purchases;
四 法の規定若しくは法の規定に基づく命令又は社内規則等を遵守するために必要な体制
(iv) a system necessary for complying with the provisions of the Act, orders based on the provisions of the Act, or internal rules, etc.
2 前項第三号の社内規則等は個別信用購入あつせんに係る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, etc. set forth in item (iii) of the preceding paragraph shall include provisions that clarify allocation of responsibility concerning the operation of the intermediation of individual credit purchases.
(変更登録の申請)
(Application for Registration of Change)
第百二条 法第三十五条の三の二十八第一項の申請書は、様式第十七によるものとする。
Article 102 (1) A written application as set forth in Article 35-3-28, paragraph (1) of the Act shall be prepared in accordance with Form 17.
2 法第三十五条の三の二十八第二項において準用する法第三十五条の三の二十四第二項の経済産業省令で定める書類は、次のとおりとする。
(2) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-24, paragraph (2) as applied mutatis mutandis pursuant to Article 35-3-28, paragraph (2) of the Act shall be as follows:
一 その変更に係る事項を証する書類
(i) a document certifying the matters pertaining to the change;
二 その変更が新たに就任した役員に係るものであるときは、当該役員の履歴書及び第九十九条第二項第九号に掲げる書面(法第三十五条の三の二十六第一項第五号に係るものに限る。)
(ii) when the change pertains to an officer that has newly taken office, the curriculum vitae of said officer, and a document as listed in Article 99, paragraph (2), item (ix) (limited to a document pertaining to Article 35-3-26, paragraph (1), item (v) of the Act).
(準用規定)
(Provisions to be Applied Mutatis Mutandis)
第百三条 第二十五条及び第二十六条の規定は、個別信用購入あつせんを業として営む場合に準用する。この場合において、第二十五条中「法第二十四条(法第二十六条において準用する場合を含む。)」とあるのは「法第三十五条の三の三十五において準用する法第二十四条」と、第二十六条中「法第二十六条第一項」とあるのは「法第三十五条の三の三十五において準用する法第二十六条第一項」と読み替えるものとする。
Article 103 The provisions of Article 25 and Article 26 shall apply mutatis mutandis to the case of engaging in the intermediation of individual credit purchases in the course of trade. In this case, the term "Article 24 of the Act (including cases where applied mutatis mutandis pursuant to Article 26 of the Act)" in Article 25 shall be deemed to be replaced with "Article 24 of the Act as applied mutatis mutandis pursuant to Article 35-3-35 of the Act," and the term "Article 26, paragraph (1) of the Act" in Article 26 shall be deemed to be replaced with "Article 26, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3-35 of the Act."
第三節 指定信用情報機関
Section 3 Designated Credit Information Institutions
第一款 通則
Subsection 1 General Rules
(特定信用情報の規模)
(Size of the Specified Credit Information)
第百四条 法第三十五条の三の三十六第一項第五号の経済産業省令で定めるものは、加入登録包括信用購入あつせん業者(特定信用情報提供等業務を行う者が特定信用情報提供契約を締結した相手方である登録包括信用購入あつせん業者をいう。次項第一号及び第百六条第二項第四号において同じ。)の数、加入登録個別信用購入あつせん業者(特定信用情報提供等業務を行う者が特定信用情報提供契約を締結した相手方である登録個別信用購入あつせん業者をいう。次項第二号及び第百六条第二項第四号において同じ。)の数、保有する基礎特定信用情報に係る支払時期の到来していない又は支払の義務が履行されていない包括信用購入あつせん及び二月払購入あつせんに係る債務の合計額(加入包括信用購入あつせん業者が当該包括信用購入あつせんの手数料の額を提供するときは、当該手数料(第百十八条第三項において「特定包括手数料」という。)の額を含む。次項第三号において同じ。)、保有する基礎特定信用情報に係る支払時期の到来していない又は支払の義務が履行されていない個別信用購入あつせん及び二月払個別購入あつせんに係る債務の合計額(加入個別信用購入あつせん業者が当該個別信用購入あつせんの手数料の額を提供するときは、当該手数料(第百十八条第三項において「特定個別手数料」という。)の額を含む。次項第四号において同じ。)並びに保有する基礎特定信用情報に係る個別信用購入あつせん又は二月払個別購入あつせんに係る販売の方法により販売した商品名又は当該商品を特定するに足りる番号、記号その他の符号(保有する基礎特定信用情報に係る個別信用購入あつせんに係る販売又は提供の方法により販売した指定権利又は提供する役務の場合にあつては、当該権利若しくは当該役務の種類又は当該権利若しくは当該役務を特定するに足りる番号、記号その他の符号)の件数の合計数とする。
Article 104 (1) The size of the specified credit information specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-36, paragraph (1), item (v) of the Act shall be [i]the number of participating registered comprehensive credit purchase intermediaries (meaning a registered comprehensive credit purchase intermediary with which a person engaging in the business of specified credit information services, etc. has concluded a specified credit information service contract; the same shall apply in item (i) of the following paragraph, and Article 106, paragraph (2), item (iv)), [ii]the number of participating registered individual credit purchase intermediaries (meaning a registered individual credit purchase intermediary with which a person engaging in the business of specified credit information services, etc. has concluded a specified credit information service contract; the same shall apply in item (ii) of the following paragraph, and Article 106, paragraph (2), item (iv)), [iii]the total amount of the obligations pertaining to the intermediation of comprehensive credit purchases and the intermediation of two months' installment purchases which have not yet become due or for which the payment obligations have not been performed and which pertain to the basic specified credit information the person holds (when a participating comprehensive credit purchase intermediary provides the amount of the fee for the intermediation of comprehensive credit purchases, including the amount of said fee (referred to as the "Specified Fee for the Intermediation of Comprehensive Credit Purchases" in Article 118, paragraph (3)); the same shall apply in item (iii) of the following paragraph), [iv]the total amount of the obligations pertaining to the intermediation of individual credit purchases and the intermediation of two months' installment purchases which have not yet become due or for which the payment obligations have not been performed and which pertain to the basic specified credit information the person holds (when a participating individual credit purchase intermediary provides the amount of the fee for the intermediation of individual credit purchases, including the amount of said fee (referred to as the "Specified Fee for the Intermediation of Individual Credit Purchases" in Article 118, paragraph (3)); the same shall apply in item (iv) of the following paragraph), and [v]the total number of the names of the goods that were sold by the method of sales pertaining to the intermediation of individual credit purchases or the intermediation of two months' installment purchases which pertain to the basic specified credit information the person holds, or the numbers, marks or any other signs with which said goods can be identified (in the case of designated rights sold or services to be provided by the method of sales or provision pertaining to the intermediation of individual credit purchases which pertain to the basic specified credit information the person holds, the total number of the types of said rights or said services, or the numbers, marks or any other signs with which said rights or said services can be identified).
2 法第三十五条の三の三十六第一項第五号の経済産業省令で定める基準は、次のとおりとする。
(2) The standard specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-36, paragraph (1), item (v) of the Act shall be as follows:
一 加入登録包括信用購入あつせん業者の数が五十以上であること。
(i) that the number of participating registered comprehensive credit purchase intermediaries is 50 or more;
二 加入登録個別信用購入あつせん業者の数が三十以上であること。
(ii) that the number of participating registered individual credit purchase intermediaries is 30 or more;
三 保有する基礎特定信用情報に係る支払時期の到来していない又は支払の義務が履行されていない包括信用購入あつせん及び二月払購入あつせんに係る債務の合計額が一兆五千億円以上であること。
(iii) the total amount of the obligations pertaining to the intermediation of comprehensive credit purchases and the intermediation of two months' installment purchases which have not yet become due or for which the payment obligations have not been performed and which pertain to the basic specified credit information the person holds is 1.5 trillion yen or more;
四 保有する基礎特定信用情報に係る支払時期の到来していない又は支払の義務が履行されていない個別信用購入あつせん及び二月払個別購入あつせんに係る債務の合計額が三兆円以上であること。
(iv) the total amount of the obligations pertaining to the intermediation of individual credit purchases and the intermediation of two months' installment purchases which have not yet become due or for which the payment obligations have not been performed and which pertain to the basic specified credit information the person holds is 3 trillion yen or more;
五 保有する基礎特定信用情報に係る個別信用購入あつせん又は二月払個別購入あつせんに係る商品名又は当該商品を特定するに足りる番号、記号その他の符号(指定権利又は役務の場合にあつては、当該権利若しくは当該役務の種類又は当該権利若しくは当該役務を特定するに足りる番号、記号その他の符号)の件数の合計数が四百万件以上であること。
(v) the total number of the names of the goods pertaining to the intermediation of individual credit purchases or the intermediation of two months' installment purchases which pertain to the basic specified credit information the person holds, or the numbers, marks or any other signs with which said goods can be identified (in the case of designated rights or services, the total number of the types of said rights or said services, or the numbers, marks or any other signs with which said rights or said services can be identified) is four million or more.
3 この節において「二月払個別購入あつせん」とは、カード等を利用することなく、特定の販売業者が行う購入者への商品若しくは指定権利の販売又は特定の役務提供事業者が行う役務の提供を受ける者への役務の提供を条件として、当該商品若しくは当該指定権利の代金又は当該役務の対価の全部又は一部に相当する金額の当該販売業者又は当該役務提供事業者への交付(当該販売業者又は当該役務提供事業者以外の者を通じた当該販売業者又は当該役務提供事業者への交付を含む。)をするとともに、当該購入者等から、当該購入者等が当該販売業者から商品若しくは指定権利を購入する契約を締結し、又は当該役務提供事業者から役務の提供を受ける契約を締結した時から二月を超えない範囲内においてあらかじめ定められた時期までに、当該金額を受領することをいう。
(3) In this Section, the "intermediation of two months' installment purchases" shall mean, under the condition that a specified seller sells goods or designated rights to a purchaser or a specified service provider provides services to a service recipient, without using a card, etc., to deliver the amount equivalent to the whole or a part of the charge for the goods or the designated rights or the value of the services to said seller or said service provider (including to deliver such amount to said seller or said service provider via a person other than said seller or said service provider), and to receive said amount from said Purchaser, etc. up to the time specified in advance within two months from the time when said Purchaser, etc. concluded a contract to purchase goods or designated rights from said seller or to receive services from said service provider.
(財産的基礎)
(Financial Basis)
第百五条 法第三十五条の三の三十六第一項第六号の経済産業省令で定めるものは、法第三十五条の三の三十七第二項第四号の貸借対照表に計上された資産の合計額から負債の合計額を控除した額が五億円以上であることとする。
Article 105 The financial basis specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-36, paragraph (1), item (vi) of the Act shall be that the amount that remains after deducting the total liabilities from the total assets recorded in the balance sheet set forth in Article 35-3-37, paragraph (2), item (iv) of the Act is 500 million yen or more.
(指定申請の添付書類)
(Documents to be Attached to Written Application for Designation)
第百六条 法第三十五条の三の三十七第一項の申請書は、様式第十八によるものとする。
Article 106 (1) A written application as set forth in Article 35-3-37, paragraph (1) of the Act shall be prepared in accordance with Form 18.
2 法第三十五条の三の三十七第二項第五号の経済産業省令で定める書類は、次のとおりとする。
(2) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-37, paragraph (2), item (v) of the Act shall be as follows:
一 法第三十五条の三の三十六第一項第二号に掲げる要件に該当することを誓約する書面
(i) a document to pledge that the person satisfies the requirements listed in Article 35-3-36, paragraph (1), item (ii) of the Act;
二 役員(法第三十五条の三の三十六第一項第四号の役員をいう。以下この号、次号、次条、第百八条、第百十一条第二項第八号及び第九号、第百十三条第十号及び第十一号並びに第百十五条第二項において同じ。)が法第三十五条の三の三十六第一項第四号イ及びロに該当しない旨の官公署の証明書(当該役員が外国人である場合を除く。)
(ii) a certificate issued by a public agency to the effect that any of the officers (meaning the officers set forth in Article 35-3-36, paragraph (1), item (iv) of the Act; hereinafter the same shall apply in this item, the following item, the following Article, Article 108, Article 111, paragraph (2), item (viii) and item (ix), Article 113, item (x) and item (xi), and Article 115, paragraph (2)) does not fall under Article 35-3-36, paragraph (1), item (iv), (a) and (b) (excluding cases where the officer is a foreign national);
三 役員の履歴書(役員が法人であるときは、当該役員の沿革を記載した書面。第百十一条第二項第九号及び第百十五条第二項第二号において同じ。)
(iii) curricula vitae of officers (in cases where an officer is a corporation, a document stating the history of said officer; the same shall apply in Article 111, paragraph (2), item (ix) and Article 115, paragraph (2), item (ii));
四 加入登録包括信用購入あつせん業者及び加入登録個別信用購入あつせん業者の名称を記載した書面
(iv) a document stating the names of the participating registered comprehensive credit purchase intermediaries and the participating registered individual credit purchase intermediaries;
五 法第三十五条の三の三十六第一項第五号に掲げる規定に適合することを説明した書類
(v) a document explaining that the size of the specified credit information complies with the provisions listed in Article 35-3-36, paragraph (1), item (v) of the Act;
六 特定信用情報提供等業務に関する知識及び経験を有する使用人の確保の状況並びに当該使用人の配置の状況を記載した書面
(vi) a document stating the status of securing employees that have knowledge and experience on the business of specified credit information services, etc. and the status of deploying such employees;
七 申請者の事務の機構及び分掌を記載した書面
(vii) a document stating the organization and segregation of the applicant's affairs;
八 その他参考となるべき事項を記載した書類
(viii) a document stating other matters to be referred to.
3 第十二条第三項の規定は、法第三十五条の三の三十七第三項の経済産業省令で定める電磁的記録に準用する。
(3) The provisions of Article 12, paragraph (3) shall apply mutatis mutandis to the electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-37, paragraph (3) of the Act.
(役員の兼職の制限)
(Restriction on the Concurrent Holding of Positions by Officers)
第百七条 法第三十五条の三の三十八の経済産業省令で定める法人は、次の各号のいずれかに該当する法人とする。
Article 107 (1) The corporation specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-38 of the Act shall be that which falls under any of the following items:
一 包括信用購入あつせん業者又は二月払購入あつせんを業とする法人
(i) a comprehensive credit purchase intermediary or a corporation that engages in the intermediation of two months' installment purchases as its business;
二 個別信用購入あつせん業者又は二月払個別購入あつせんを業とする法人
(ii) an individual credit purchase intermediary or a corporation that engages in the intermediation of two months' installment purchases as its business;
三 貸金業法(昭和五十八年法律第三十二号)第二条第一項に規定する貸金業を営む法人
(iii) a corporation that operates a money lending business as prescribed in Article 2, paragraph (1) of the Act on Controls, etc. on Money Lending Business (Act No. 32 of 1983);
四 債権管理回収業に関する特別措置法(平成十年法律第百二十六号)第二条第三項に規定する債権回収会社
(iv) a claim collection company as prescribed in Article 2, paragraph (3) of the Act on Special Measures concerning Business of Management and Collection of Claims (Act No. 126 of 1998);
五 債務の保証を業として営む法人
(v) a corporation that operates the business of guaranteeing claims;
六 役務の提供を受ける者に対し、その指定する機械類その他の商品を購入してその賃貸をする業務(次項第四号において「リース業」という。)を営む法人
(vi) a corporation that operates the business of purchasing machinery and other goods designated by a service recipient and leasing them to said service recipient (referred to as "Leasing Business" in item (iv) of the following paragraph).
2 法第三十五条の三の三十八の経済産業省令で定める事業は、次に掲げる事業とする。
(2) The businesses specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-38 of the Act shall be the businesses listed as follows:
一 貸金業法第二条第一項に規定する貸金業
(i) a money lending business as prescribed in Article 2, paragraph (1) of the Act on Controls, etc. on Money Lending Business;
二 債権管理回収業に関する特別措置法第二条第二項に規定する債権管理回収業
(ii) a business for the management and collection of claims as prescribed in Article 2, paragraph (2) of the Act on Special Measures concerning Business of Management and Collection of Claims;
三 債務の保証
(iii) the guaranteeing of claims;
四 リース業
(iv) a Leasing Business.
(指定信用情報機関の役員の兼職の認可の申請等)
(Application, etc. for Approval for the Concurrent Holding of Positions by Officers of Designated Credit Information Institutions)
第百八条 指定信用情報機関の代表者及び常務に従事する役員は、法第三十五条の三の三十八の規定による認可を受けようとするときは、当該認可を受けるべき事項を記載した認可申請書に次に掲げる書面を添付して、当該指定信用情報機関を経由して経済産業大臣に提出しなければならない。
Article 108 (1) If the representative and managing officers of a designated credit information institution intend to obtain approval under Article 35-3-38 of the Act, they shall submit a written application for approval stating the matters to be approved, attaching therewith the following documents, to the Minister of Economy, Trade and Industry, via said designated credit information institution:
一 理由書
(i) a written statement of reasons;
二 履歴書
(ii) curriculum vitae;
三 指定信用情報機関における常務の処理方法又は勤務状況を記載した書面
(iii) a document stating the method of processing ordinary business and the working conditions at the designated credit information institution;
四 前条第一項各号に掲げる法人(以下この条において「他の法人」という。)の常務に従事しようとする場合には、当該他の法人における常務の処理方法及び指定信用情報機関と当該他の法人との取引その他の関係を記載した書面並びに当該他の法人の定款、最終の業務報告又は事業報告の内容を記載した書面、貸借対照表(関連する注記を含む。第百十一条第二項第七号において同じ。)、損益計算書(関連する注記を含む。同号において同じ。)、剰余金処分計算書若しくは損失金処理計算書又は株主資本等変動計算書(関連する注記を含む。)その他最近における業務、財産及び損益の状況を知ることができる書面
(iv) in cases where they intend to engage in the ordinary business of any of the corporations listed in the items of paragraph (1) of the preceding Article (hereinafter referred to as the "Other Juridical Person" in this Article), a document stating the method of processing ordinary business at said Other Juridical Person, transactions and any other relations between the designated credit information institution and said Other Juridical Person; a document stating the articles of incorporation and the details of the final activity reports or business reports of said Other Juridical Person; the balance sheet (including related notes; the same shall apply in Article 111, paragraph (2), item (vii)), profit and loss statements (including related notes; the same shall apply in said item), surplus appropriation statement or deficit disposition statement, statements of changes in net assets (including related notes), or other documents from which the status of recent activities, property, and profit and loss of said Other Juridical Person can be ascertained;
五 現在営んでいる前条第二項各号に掲げる事業を継続して営もうとする場合には、その事業の種類及び方法、その事業の最近における業務、財産及び損益の状況並びに申請の日から起算して一年間における取引及び収支の予想を記載した書面
(v) in cases where they intend to continuously operate any of the businesses listed in the items of paragraph (2) of the preceding Article that they now operate, a document stating the type and method of the business, the status of recent business activities, property, and profit and loss of the business, and the projected transactions and income and expenditure for one year from the day of filing the application;
六 新たに前条第二項各号に掲げる事業を営もうとする場合には、その事業の種類及び方法並びにその事業開始後一年間における取引及び収支の予想を記載した書面
(vi) in cases where they intends to newly operate any of the businesses listed in the items of paragraph (2) of the preceding Article, a document stating the type and method of the business, and the projected transactions and income and expenditure for one year after commencing the business;
七 その他経済産業大臣が必要と認める事項を記載した書面
(vii) a document stating any other matters that the Minister of Economy, Trade and Industry deems necessary.
2 経済産業大臣は、前項の規定による認可の申請があつたときは、当該申請に係る他の法人を代表し、若しくは常務に従事し、又は前条第二項各号に掲げる事業を営むことが、当該申請に係る指定信用情報機関の代表者又は常務に従事する役員が指定信用情報機関を代表すること又は指定信用情報機関の常務に従事することに対し、何らの支障を及ぼすおそれのないものであるかどうかを審査するものとする。
(2) When an application for approval under the preceding paragraph has been filed, the Minister of Economy, Trade and Industry shall examine whether or not the act of representing or engaging in ordinary business of the Other Juridical Person pertaining to said application or of operating any of the businesses listed in the items of paragraph (2) of the preceding Article is unlikely to interfere with the representative or managing officers of the designated credit information institution pertaining to said application representing or engaging in ordinary business of the designated credit information institution.
第二款 業務
Subsection 2 Business
(兼業の承認申請)
(Application for Approval for Subsidiary Business)
第百九条 指定信用情報機関は、法第三十五条の三の四十一第一項ただし書の規定により承認を受けようとするときは、次に掲げる事項を記載した承認申請書を経済産業大臣に提出しなければならない。
Article 109 (1) If a designated credit information institution intends to obtain approval under the proviso to Article 35-3-41, paragraph (1) of the Act, it shall submit a written application for approval stating the following matters to the Minister of Economy, Trade and Industry:
一 兼業の承認を受けようとする業務(以下この条において「兼業業務」という。)
(i) business for which it intends to obtain approval for subsidiary business (hereinafter referred to as a "Subsidiary Business");
二 兼業業務の開始予定年月日
(ii) scheduled date for commencing the Subsidiary Business.
2 前項の承認申請書には、次に掲げる書類を添付しなければならない。
(2) The written application set forth in the preceding paragraph shall be attached with the following documents:
一 兼業業務の内容及び方法を記載した書類
(i) a document stating the details and the method of the Subsidiary Business;
二 兼業業務を所掌する組織及び人員配置を記載した書面
(ii) a document stating the organization and the deployment of the personnel in charge of the Subsidiary Business;
三 兼業業務の運営に関する規則
(iii) the rules concerning the operation of the Subsidiary Business;
四 兼業業務の開始後三年間における当該兼業業務の収支の見込みを記載した書類
(iv) a document stating the projected income and expenditure of the Subsidiary Business for three years after commencing the Subsidiary Business.
(兼業業務の廃止の届出)
(Notification of Abolishment of Subsidiary Business)
第百十条 指定信用情報機関は、法第三十五条の三の四十一第二項の規定により同条第一項ただし書の承認を受けた業務を廃止した旨の届出をしようとするときは、次に掲げる事項を記載した書面を経済産業大臣に届け出るものとする。
Article 110 When a designated credit information institution intends to make a notification to the effect that it has abolished the business for which it had obtained approval as set forth in the proviso to Article 35-3-41, paragraph (1) of the Act, pursuant to the provisions of paragraph (2) of said Article, it shall submit a document stating the following matters to the Minister of Economy, Trade and Industry:
一 廃止したその業務の内容
(i) the details of the abolished business;
二 廃止した年月日
(ii) the date of the abolition;
三 廃止の理由
(iii) the reason for the abolition.
(業務の一部委託の承認申請)
(Application for Approval for Partial Entrustment of Business)
第百十一条 指定信用情報機関は、法第三十五条の三の四十二第一項の規定により承認を受けようとするときは、次に掲げる事項を記載した承認申請書を経済産業大臣に提出しなければならない。
Article 111 (1) If a designated credit information institution intends to obtain approval pursuant to the provisions of Article 35-3-42, paragraph (1) of the Act, it shall submit a written application for approval stating the following matters to the Minister of Economy, Trade and Industry:
一 業務を委託する相手方(以下この条及び次条において「受託者」という。)の氏名又は商号若しくは名称及び住所又は委託する業務を行う営業所若しくは事務所の所在地
(i) the name or trade name and the address of the counterparty to which it entrusts the business (hereinafter referred to as the "Entrusted Person" in this Article and the following Article), and the location of the business office or office where the entrusted business is performed;
二 委託する業務の内容及び範囲
(ii) the details and the scope of the business to entrust;
三 委託の期間
(iii) the period of entrustment.
2 前項の承認申請書には、次に掲げる書類を添付しなければならない。
(2) A written application as set forth in the preceding paragraph shall be attached with the following documents:
一 理由書
(i) a written statement of reasons;
二 業務の委託契約の内容を記載した書面
(ii) a document stating the details of the business entrustment contract;
三 受託者が法第三十五条の三の三十六第一項第二号から第四号までに掲げる要件に該当することを誓約する書面
(iii) a document to pledge that the Entrusted Person satisfies the requirements listed in Article 35-3-36, paragraph (1), items (ii) to (iv) of the Act;
四 受託者の沿革を記載した書面
(iv) a document stating the history of the Entrusted Person;
五 受託者の定款又は寄附行為
(v) the articles of incorporation or the articles of endowment of the Entrusted Person;
六 委託する業務の実施方法を記載した書面
(vi) a document stating the method of performing the business to entrust;
七 受託者の最近三年の各年度における事業報告書、貸借対照表及び損益計算書又はこれらに代わる書面
(vii) the business report, balance sheet, and profit and loss statement for each of the most recent three fiscal years of the Entrusted Person, or any alternative documents;
八 受託者の役員の氏名又は商号若しくは名称を記載した書面
(viii) a document stating the names or trade names of the officers of the Entrusted Person;
九 受託者の役員の履歴書
(ix) curricula vitae of officers of the Entrusted Person;
十 受託者の取締役(業務を執行する社員、理事その他これに準ずる者を含むものとし、委員会設置会社にあつては、執行役とする。)の担当業務を記載した書面
(x) a document stating duties for the board members (including members that execute the business, directors, and any equivalent persons, and in the case of a company with committees, meaning executive officers) of the Entrusted Person;
十一 その他参考となるべき事項を記載した書類
(xi) a document stating any other matters to be referred to.
(業務の一部委託の承認基準)
(Criteria for Approval for Partial Entrustment of Business)
第百十二条 経済産業大臣は、前条第一項の承認申請書を受理した場合において、その申請が次に掲げる基準に適合していると認められるときは、これを承認するものとする。
Article 112 When the Minister of Economy, Trade and Industry has received a written application for approval as set forth in paragraph (1) of the preceding Article and deems that the application complies with the following criteria, the Minister shall approve the application:
一 業務の委託が当該業務の効率化に資すること。
(i) that the entrustment of the business contributes to enhancing the efficiency of the business;
二 受託者が社会的信用のある法人であり、かつ、その受託する業務について、適正な計画を有し、確実にその業務を行うことができるものであること。
(ii) that the Entrusted Person is a corporation with social credibility, has a proper plan for the entrusted business, and can perform the business reliably;
三 受託者が法第三十五条の三の三十六第一項第二号から第四号までに掲げる要件に該当すること。
(iii) that the Entrusted Person satisfies the requirements listed in Article 35-3-36, paragraph (1), items (ii) to (iv) of the Act.
(業務規程の記載事項)
(Matters to be Indicated in Operational Rules)
第百十三条 法第三十五条の三の四十三第一項第十号の経済産業省令で定める事項は、次のとおりとする。
Article 113 The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-43, paragraph (1), item (x) of the Act shall be as follows:
一 特定信用情報提供等業務を行う時間及び休日に関する事項
(i) the matters concerning the hours to perform the business of specified credit information services, etc. and concerning holidays;
二 従業者の監督体制に関する事項
(ii) the matters concerning the system to supervise employees;
三 特定信用情報提供等業務に関する記録の作成に関する事項
(iii) the matters concerning the preparation of a record on the business of specified credit information services, etc.;
四 特定信用情報提供契約に関する契約約款に関する事項
(iv) the matters concerning the terms of the specified credit information service contract;
五 特定信用情報提供等業務において取り扱う特定信用情報についての利用者又は購入者等の同意に関する事項
(v) the matters concerning the consent of the users or Purchasers, etc. on specified credit information to be handled in the business of specified credit information services, etc.;
六 特定信用情報提供等業務の用に供する設備が、停電及び地震、火災、水害その他の災害の被害を容易に受けないために必要な措置に関する事項
(vi) the matters concerning measures necessary to ensure that the facilities to be used for the business of specified credit information services, etc. are not easily damaged by power failures and earthquakes, fires, floods or any other disasters;
七 個人情報の保護に関する法律(平成十五年法律第五十七号)第二十九条第一項に規定する開示等の求めに係る措置に関する事項
(vii) the matters concerning measures pertaining to requests for disclosure, etc. prescribed in Article 29, paragraph (1) of the Act on the Protection of Personal Information (Act No. 57 of 2003);
八 定款又はこれに準ずる定めを変更した場合における当該変更の届出に関する事項
(viii) the matters concerning the notification of any changes to the articles of incorporation or any other equivalent rules;
九 電子情報処理組織の故障その他の偶発的な事情により、特定信用情報提供等業務の全部又は一部を停止する事故が発生した場合における当該事故の概要及び改善策の届出に関する事項
(ix) the matters concerning the notification of the details of any accidents in which the whole or a part of the business of specified credit information services, etc. has been suspended due to a breakdown of the electronic data processing system or any other accidental circumstances, and the matters concerning the notification of remedial measures;
十 指定信用情報機関又はその業務の一部の委託先の役員又は従業員(以下この号及び次号において「役員等」という。)が特定信用情報提供等業務(業務の一部の委託先にあつては、当該指定信用情報機関が委託する業務に係るものに限る。)を遂行するに際して法令又は当該指定信用情報機関の業務規程に反する行為が発生したことを知つた場合における当該行為が発生した営業所又は事務所の名称、当該行為をした役員等の氏名又は商号若しくは名称及び役職名、当該行為の概要並びに改善策の届出に関する事項
(x) in cases where an officer or an employee of the designated credit information institution or the Entrusted Person for a part of its business (hereinafter referred to as an "Officer, etc." in this item and the following item) has come to know the occurrence of any act in violation to laws and regulations or the designated credit information institution's operational rules in the course of performing the business of specified credit information services, etc. (in the case of the Entrusted Person for a part of the business, limited to the business pertaining to the part entrusted by the designated credit information institution), the matters concerning the notification of the name of the business office or office where said act occurred, the name or trade name and the title of the Officer, etc. that has conducted said act, and an outline of said act, and the matters concerning the notification of remedial measures;
十一 加入包括信用購入あつせん業者若しくは加入個別信用購入あつせん業者又はその役員等が法第三十五条の三の五十六、第三十五条の三の五十七若しくは第三十五条の三の五十九又は指定信用情報機関の業務規程に反する行為を行つたことを知つた場合における当該行為が発生した営業所又は事務所の名称、当該行為をした役員等の氏名又は商号若しくは名称及び役職名、当該行為の概要並びに改善策の届出に関する事項
(xi) in cases where it has been found that a participating comprehensive credit purchase intermediary or a participating individual credit purchase intermediary, or an Officer, etc. thereof has conducted any act in violation to Article 35-3-56, Article 35-3-57, or Article 35-3-59 of the Act or the designated credit information institution's operational rules, the matters concerning the notification of the name of the business office or office where said act occurred, the name or trade name and the title of the Officer, etc. that has conducted said act, and an outline of said act, and the matters concerning the notification of remedial measures;
十二 その他特定信用情報提供等業務に関し必要な事項
(xii) other necessary matters concerning the business of specified credit information services, etc.
(特定信用情報提供等業務に関する記録の記録事項等)
(Matters to be Recorded in a Record on the Business of Specified Credit Information Services, etc.)
第百十四条 法第三十五条の三の四十五の規定により、指定信用情報機関は特定信用情報提供等業務に関し、次に掲げる事項の記録を、書面又は電磁的記録をもつて作成し、作成後三年間保存しなければならない。
Article 114 Pursuant to the provisions of Article 35-3-45 of the Act, a designated credit information institution shall prepare a record on the following matters, with regard to the business of specified credit information services, etc., by means of documents or electromagnetic records, and shall preserve said record for three years after preparing it:
一 基礎特定信用情報の提供を依頼した加入包括信用購入あつせん業者若しくは加入個別信用購入あつせん業者の名称又は当該加入包括信用購入あつせん業者若しくは当該加入個別信用購入あつせん業者を特定するに足りる番号、記号その他の符号(他の指定信用情報機関の加入包括信用購入あつせん業者又は加入個別信用購入あつせん業者の依頼に基づき当該他の指定信用情報機関から基礎特定信用情報の提供の依頼を受けたときは、当該他の指定信用情報機関の商号又は名称及び提供の依頼のあつた当該他の指定信用情報機関の加入包括信用購入あつせん業者若しくは加入個別信用購入あつせん業者の名称又は当該加入包括信用購入あつせん業者若しくは加入個別信用購入あつせん業者を特定するに足りる番号、記号その他の符号)
(i) the name of the participating comprehensive credit purchase intermediary or the participating individual credit purchase intermediary that has requested the provision of the basic specified credit information, or the numbers, marks, or any other signs with which said participating comprehensive credit purchase intermediary or said participating individual credit purchase intermediary can be identified (when the designated credit information institution has received a request for the provision of the basic specified credit information from another designated credit information institution, based on a request from a participating comprehensive credit purchase intermediary or a participating individual credit purchase intermediary of the other designated credit information institution, the trade name or name of the other designated credit information institution; the name of the participating comprehensive credit purchase intermediary or the participating individual credit purchase intermediary of the other designated credit information institution that has received the request; or the number, mark, or any other signs with which said participating comprehensive credit purchase intermediary or said participating individual credit purchase intermediary can be identified);
二 基礎特定信用情報の提供を依頼された個人の氏名
(ii) the name of the individual for whom the provision of the basic specified credit information was requested;
三 基礎特定信用情報の提供の依頼のあつた日時
(iii) the date on which the provision of the basic specified credit information was requested;
四 提供した基礎特定信用情報の内容
(iv) the details of the provided basic specified credit information.
第三款 監督
Subsection 3 Supervision
(変更の届出)
(Notification of Change)
第百十五条 法第三十五条の三の五十第一項の規定による届出は、様式第十九による届出書を提出してしなければならない。
Article 115 (1) Notification under Article 35-3-50, paragraph (1) of the Act shall be made by submitting a written notification prepared in accordance with Form 19.
2 前項の規定による届出書には、次の書面を添付しなければならない。
(2) A written notification under the preceding paragraph shall be attached with the following documents:
一 変更の届出が商号若しくは名称、主たる営業所若しくは事務所その他特定信用情報提供等業務を行う営業所若しくは事務所の名称若しくは所在地又は役員の氏名若しくは商号若しくは名称に係るものであるときは、その変更を証する書面
(i) when the notification of the change pertains to the trade name or name, the name or the location of the principal business office or office or any other business office or office where the business of specified credit information services, etc. is performed, or the name or trade name of officers, a document certifying said change;
二 変更の届出が新たに就任した役員に係るものであるときは、当該役員の履歴書及び法第三十五条の三の三十七第二項第一号に掲げる書面(法第三十五条の三の三十六第一項第四号に係るものに限る。)
(ii) when the notification of the change pertains to an officer that has newly taken office, the curriculum vitae of said officer, and documents listed in Article 35-3-37, paragraph (2), item (i) of the Act (limited to those pertaining to Article 35-3-36, paragraph (1), item (iv) of the Act).
(業務及び財産に関する報告書の提出)
(Submission of a Report concerning the Business or Property)
第百十六条 法第三十五条の三の五十一第一項の規定による指定信用情報機関が作成すべき業務及び財産に関する報告書は、様式第二十により作成し、事業年度経過後三月以内に経済産業大臣に提出しなければならない。
Article 116 (1) A report on the business and property that a designated credit information institution is to prepare under Article 35-3-51, paragraph (1) of the Act shall be prepared in accordance with Form 20 and be submitted to the Minister of Economy, Trade and Industry within three months after the elapse of a business year.
2 前項の報告書には、最終事業年度に係る会社法第四百三十五条第二項に規定する計算書類(会社でない場合にあつては、これに代わる書面)を添付しなければならない。
(2) A report as set forth in the preceding paragraph shall be attached with financial statements as prescribed in Article 435, paragraph (2) of the Companies Act (in cases where a designated credit information institution is not a company, any alternative document) pertaining to the final business year.
3 指定信用情報機関は、やむを得ない理由により第一項に規定する期間内に同項の報告書の提出をすることができない場合には、あらかじめ経済産業大臣の承認を受けて、当該提出を延期することができる。
(3) In cases where a designated credit information institution cannot submit a report as set forth in paragraph (1) within the period prescribed in said paragraph due to unavoidable grounds, it may postpone the submission by obtaining approval from the Minister of Economy, Trade and Industry in advance.
4 指定信用情報機関は、前項の規定による承認を受けようとするときは、承認申請書に理由書を添付して経済産業大臣に提出しなければならない。
(4) When a designated credit information institution intends to obtain approval under the preceding paragraph, it shall submit a written application for approval to the Minister of Economy, Trade and Industry, together with a written statement of reasons.
5 経済産業大臣は、前項の規定による承認の申請があつたときは、当該申請をした指定信用情報機関が第三項の規定による提出の延期をすることについてやむを得ないと認められる理由があるかどうかを審査するものとする。
(5) When an application for approval under the preceding paragraph has been filed, the Minister of Economy, Trade and Industry shall examine whether or not there are any grounds for deeming it unavoidable for the designated credit information institution that has filed the application to postpone the submission of the report under paragraph (3).
(休廃止の申請)
(Application for Suspension or Abolition)
第百十七条 法第三十五条の三の五十三第一項の規定による認可の申請は、様式第二十一による申請書を提出してしなければならない。
Article 117 An application for approval under Article 35-3-53, paragraph (1) of the Act shall be filed by submitting a written application prepared in accordance with Form 21.
第四款 加入包括信用購入あつせん業者及び加入個別信用購入あつせん業者
Subsection 4 Participating Comprehensive Credit Purchase Intermediaries and Participating Individual Credit Purchase Intermediaries
(基礎特定信用情報に含まれる事項)
(Matters to be Included in Basic Specified Credit Information)
第百十八条 法第三十五条の三の五十六第一項第一号の経済産業省令で定めるものは、購入者等に係る次に掲げる事項とする。
Article 118 (1) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-56, paragraph (1), item (i) of the Act shall be as follows:
一 氏名(ふりがなを付す。)
(i) the name (with the kana reading);
二 住所
(ii) the address;
三 生年月日
(iii) the date of birth;
四 電話番号(勤務先の電話番号を除く。)
(iv) the telephone number (excluding the telephone number of the place of employment);
五 勤務先の商号又は名称
(v) the trade name or name of the place of employment;
六 運転免許証の番号(加入包括信用購入あつせん業者が、運転免許証の提示を受ける方法その他の犯罪による収益の移転防止に関する法律施行規則(平成二十年内閣府・総務省・法務省・財務省・厚生労働省・農林水産省・経済産業省・国土交通省令第一号)第三条第一項第一号イ、ハ若しくはニに掲げる方法により犯罪による収益の移転防止に関する法律(平成十九年法律第二十二号)第四条第一項に規定する本人確認(以下単に「本人確認」という。)を行つた場合又は加入個別信用購入あつせん業者が当該運転免許証の提示若しくは当該運転免許証の番号の通知を受けた場合(個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者を通じた加入個別信用購入あつせん業者への提示又は通知を含む。)に限る。)
(vi) the number of the driver's license (limited to cases where the participating comprehensive credit purchase intermediary has obtained identity confirmation as prescribed in Article 4, paragraph (1) of the Act on Prevention of Transfer of Criminal Proceeds (Act No. 22 of 2007) (hereinafter simply referred to as "Identity Confirmation") by the method of receiving the presentation of the driver's license or any other methods as listed in Article 3, paragraph (1), item (i), (a), (c), or (d) of the Ordinance for Enforcement of the Act on Prevention of Transfer of Criminal Proceeds (Ordinance of the Cabinet Office, Ministry of Internal Affairs and Communications, Ministry of Justice, Ministry of Finance, Ministry of Health, Labour and Welfare, Ministry of Agriculture, Forestry and Fisheries, Ministry of Economy, Trade and Industry, and Ministry of Land, Infrastructure, Transport and Tourism No. 1 of 2008), or where the participating individual credit purchase intermediary has been presented with the driver's license or the notification of the number of the driver's license (including the presentation or the notification to the participating individual credit purchase intermediary via a seller for the intermediation of individual credit purchases or a service provider for the intermediation of individual credit purchases));
七 本人確認書類(犯罪による収益の移転防止に関する法律施行規則第三条第一項第二号に規定する旅券等、同令第四条第一号ハに掲げる書類又は外国人登録証明書をいう。以下この号において同じ。)に記載されている本人を特定するに足りる番号、記号その他の符号(加入包括信用購入あつせん業者が、本人確認書類の提示を受ける方法その他の犯罪による収益の移転防止に関する法律施行規則第三条第一項第一号イ、ハ若しくはニに掲げる方法により本人確認を行つた場合又は加入個別信用購入あつせん業者が本人確認書類の提示若しくは本人確認書類に記載されている本人を特定するに足りる番号、記号その他の符号の通知を受けた場合(個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者を通じた加入個別信用購入あつせん業者への提示又は通知を含む。)に限る。)
(vii) the numbers, marks, or any other signs are indicated in documents for Identity Confirmation (meaning a passport, etc. as prescribed in Article 3, paragraph (1), item (ii) of the Ordinance for Enforcement of the Act on Prevention of Transfer of Criminal Proceeds, the documents listed in Article 4, item (i), (c) of said Ordinance, or an alien registration certificate; hereinafter the same shall apply in this item) and with which the person can be identified (limited to cases where the participating comprehensive credit purchase intermediary has obtained Identity Confirmation by the method of receiving the presentation of documents for Identity Confirmation or any other methods as listed in Article 3, paragraph (1), item (i), (a), (c), or (d) of the Ordinance for Enforcement of the Act on Prevention of Transfer of Criminal Proceeds, or where the participating individual credit purchase intermediary has been presented with documents for Identity Confirmation or the notification of the number, mark, or any other signs that is indicated in documents for Identity Confirmation and with which the person can be identified (including the presentation or the notification to the participating individual credit purchase intermediary via a seller for the intermediation of individual credit purchases or a service provider for the intermediation of individual credit purchases)).
2 法第三十五条の三の五十六第一項第四号の経済産業省令で定める事項は、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。
(2) The matters specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-56, paragraph (1), item (iv) of the Act shall be the matters specified in the following items, in accordance with the categories listed in the respective items:
一 加入包括信用購入あつせん業者 次に掲げる事項
(i) a participating comprehensive credit purchase intermediary: the following matters:
イ 法第三十五条の三の五十六第一項第三号に規定する包括信用購入あつせんに係る債務の額(当該包括信用購入あつせんの手数料の額を含む。)のうち、購入者等が一年間に支払うことが見込まれる額
(a) out of the amount of the obligation pertaining to the intermediation of comprehensive credit purchases prescribed in Article 35-3-56, paragraph (1), item (iii) of the Act (including the amount of the fee for the intermediation of comprehensive credit purchases), the amount that the Purchaser, etc. is supposed to pay in a year;
ロ 包括信用購入あつせん(加入包括信用購入あつせん業者が二月払購入あつせんを業とする者である場合であつて、支払時期の到来していない又は支払の義務が履行されていない二月払購入あつせんに係る債務の額を提供するとき(当該債務の額を法第三十五条の三の五十六第一項第三号に規定する包括信用購入あつせんに係る債務の額と区分して提供するときを除く。)は当該二月払購入あつせん(第三項において「特定二月払購入あつせん」という。)を含む。ハ及び次条第一項において同じ。)に係る債務又は包括信用購入あつせんの手数料の支払の遅延の有無
(b) the existence of any delay in the payment of the obligation pertaining to the intermediation of comprehensive credit purchases (in cases where the participating comprehensive credit purchase intermediary engages in the intermediation of two months' installment purchases as its business, and provides the amount of the obligation pertaining to the intermediation of two months' installment purchases which has not yet become due or for which the payment obligations have not been performed (excluding cases where the participating comprehensive credit purchase intermediary provides the amount of said obligation separately from the amount of the obligation pertaining to the intermediation of comprehensive credit purchases prescribed in Article 35-3-56, paragraph (1), item (iii) of the Act), including said intermediation of two months' installment purchases (referred to as the "Specified Intermediation of Two Months' Installment Purchases" in paragraph (3)); the same shall apply in (c) and paragraph (1) of the following Article) or any delay in the payment of the fee for the intermediation of comprehensive credit purchases;
ハ 包括信用購入あつせんを特定するに足りる番号、記号その他の符号
(c) the number, mark, or any other signs with which the intermediation of comprehensive credit purchases can be identified;
二 加入個別信用購入あつせん業者 次に掲げる事項
(ii) a participating individual credit purchase intermediary: the following matters:
イ 法第三十五条の三の五十六第一項第三号に規定する個別信用購入あつせんに係る債務の額(当該個別信用購入あつせんの手数料の額を含む。)のうち、購入者等が一年間に支払うことが見込まれる額
(a) out of the amount of the obligation pertaining to the intermediation of individual credit purchases prescribed in Article 35-3-56, paragraph (1), item (iii) of the Act (including the amount of the fee for the intermediation of individual credit purchases), the amount that the Purchaser, etc. is supposed to pay in a year;
ロ 個別信用購入あつせんに係る債務又は個別信用購入あつせんの手数料の支払の遅延の有無
(b) the existence of any delay in the payment of the obligation pertaining to the intermediation of individual credit purchases or the fee for the intermediation of individual credit purchases;
ハ 個別信用購入あつせんを特定するに足りる番号、記号その他の符号
(c) the number, mark, or any other signs with which the intermediation of individual credit purchases can be identified;
ニ 次に掲げるいずれかの事項
(d) any of the following matters:
(1) 個別信用購入あつせんに係る販売の方法により販売した商品名又は当該商品を特定するに足りる番号、記号その他の符号
1. the name of the goods that were sold by the method of sales pertaining to the intermediation of individual credit purchases, or the number, mark, or any other signs with which said goods can be identified;
(2) 個別信用購入あつせんに係る販売の方法により販売した権利の種類又は当該権利を特定するに足りる番号、記号その他の符号
2. the type of rights that were sold by the method of sales pertaining to the intermediation of individual credit purchases, or the number, mark, or any other signs with which said rights can be identified;
(3) 個別信用購入あつせんに係る提供の方法により提供する役務の種類又は当該役務を特定するに足りる番号、記号その他の符号
3. the type of services that are to be provided by the method of provision pertaining to the intermediation of individual credit purchases, or the number, mark, or any other signs with which said services can be identified;
ホ 次に掲げるいずれかの事項
(e) any of the following matters:
(1) 個別信用購入あつせんに係る販売の方法により販売した商品の数量又は個別信用購入あつせん関係受領契約の単位
1. the quantity of the goods that were sold by the method of sales pertaining to the intermediation of individual credit purchases, or the unit of the contract for receiving the intermediation of individual credit purchases;
(2) 個別信用購入あつせんに係る販売の方法により販売した権利を行使し得る回数若しくは期間又は個別信用購入あつせん関係受領契約の単位
2. the number of times or the period that the rights sold by the method of sales pertaining to the intermediation of individual credit purchases can be exercised, or the unit of the contract for receiving the intermediation of individual credit purchases;
(3) 個別信用購入あつせんに係る提供の方法により提供する役務の提供を受けることができる回数若しくは期間又は個別信用購入あつせん関係受領契約の単位
3. the number of times or the period that the services to be provided by the method of provision pertaining to the intermediation of individual credit purchases can be received, or the unit of the contract for receiving the intermediation of individual credit purchases.
3 法第三十五条の三の五十六第一項第三号に掲げる債務の額には、特定包括手数料の額、特定個別手数料の額及び特定二月払購入あつせんに係る債務の額を含むものとする。
(3) The amount of the obligation listed in Article 35-3-56, paragraph (1), item (iii) of the Act shall include the amount of the Specified Fee for the Intermediation of Comprehensive Credit Purchases, the amount of the Specified Fee for the Intermediation of Individual Credit Purchases, and the amount of the obligation pertaining to the Specified Intermediation of Two Months' Installment Purchases.
(特定信用情報の提供等に係る同意を不要とする場合)
(Cases Not Requiring Consent Pertaining to the Provision, etc. of Specified Credit Information)
第百十九条 法第三十五条の三の五十七第一項の経済産業省令で定める場合は、次に掲げる時前に提供した包括信用購入あつせん若しくは個別信用購入あつせんに係る債務又は包括信用購入あつせん若しくは個別信用購入あつせんの手数料の管理に必要な場合とする。
Article 119 (1) The cases specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-3-57, paragraph (1) of the Act shall be the cases where it is necessary for managing the obligation pertaining to the intermediation of comprehensive credit purchases or the intermediation of individual credit purchases provided prior to the time listed as follows, or the fee for intermediation of comprehensive credit purchases or the intermediation of individual credit purchases:
一 包括信用購入あつせん業者又は個別信用購入あつせん業者と特定信用情報提供契約を締結している特定信用情報提供等業務を行う者が、法第三十五条の三の三十六第一項の指定を受けた時
(i) when a person that has concluded a specified credit information service contract with the comprehensive credit purchase intermediary or the individual credit purchase intermediary and that engages in the business of specified credit information services, etc. has been designated as set forth in Article 35-3-36, paragraph (1) of the Act;
二 包括信用購入あつせん業者又は個別信用購入あつせん業者が指定信用情報機関と特定信用情報提供契約を締結した時
(ii) when the comprehensive credit purchase intermediary or the individual credit purchase intermediary has concluded a specified credit information service contract with a designated credit information institution.
2 加入包括信用購入あつせん業者は、あらかじめ、法第三十五条の三の五十七第二項各号に掲げる同意を購入者等から書面又は電磁的方法により包括的に得ることができる。
(2) A participating comprehensive credit purchase intermediary may obtain consent as listed in the items of Article 35-3-57, paragraph (2) of the Act comprehensively from Purchaser, etc., in writing or in electromagnetic form, in advance.
(情報通信の技術を利用する方法)
(Means of Using Information and Communications Technology)
第百二十条 法第三十五条の三の五十七第一項及び第二項の電磁的方法は、次に掲げる方法とする。
Article 120 The electromagnetic means set forth in Article 35-3-57, paragraph (1) and paragraph (2) of the Act shall be the following:
一 電子情報処理組織を使用する方法のうちイ又はロに掲げるもの
(i) means of using an electronic data processing system as listed in (a) or (b):
イ 加入包括信用購入あつせん業者又は加入個別信用購入あつせん業者の使用に係る電子計算機と利用者又は購入者等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、当該加入包括信用購入あつせん業者又は当該加入個別信用購入あつせん業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
(a) means of sending a document through a telecommunication line connecting the computer used by the participating comprehensive credit purchase intermediary or the participating individual credit purchase intermediary, and the computer used by the user or the Purchaser, etc., and recording it in a file on the computer used by the participating comprehensive credit purchase intermediary or the participating individual credit purchase intermediary;
ロ 加入包括信用購入あつせん業者又は加入個別信用購入あつせん業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利用者又は購入者等による同意に関する事項を電気通信回線を通じて利用者又は購入者等の閲覧に供し、当該加入包括信用購入あつせん業者又は当該加入個別信用購入あつせん業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利用者又は購入者等の同意に関する事項を記録する方法
(b) means of providing the user or the Purchaser, etc. with the matters concerning the consent of the user or the Purchaser, etc. which are recorded in a file on the computer used by the participating comprehensive credit purchase intermediary, or the participating individual credit purchase intermediary for inspection through a telecommunication line, and recording the matters concerning the consent of the user or the Purchaser, etc. in a file on the computer used by the participating comprehensive credit purchase intermediary or the participating individual credit purchase intermediary;
二 磁気ディスク、シー・ディー・ロムその他これらに準ずる方法により一定の事項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利用者又は購入者等の同意に関する事項を記録したものを得る方法
(ii) means of delivering a file, prepared in the form of a magnetic disk, CD-ROM, or any other equivalent means that may reliably store certain matters, which contains the matters concerning the consent of the user or the Purchaser, etc.
(特定信用情報の提供等に係る同意に関する記録の作成等)
(Preparation, etc. of a Record on Consent Pertaining to the Provision, etc. of Specified Credit Information)
第百二十一条 加入包括信用購入あつせん業者又は加入個別信用購入あつせん業者は、法第三十五条の三の五十七第三項に規定する同意に関する記録を、書面又は電磁的記録をもつて作成し、当該同意に基づき指定信用情報機関が特定信用情報を保有している間保存しなければならない。
Article 121 A participating comprehensive credit purchase intermediary or a participating individual credit purchase intermediary shall prepare a record on the consent prescribed in Article 35-3-57, paragraph (3) of the Act, by means of documents or electromagnetic records, and shall preserve said record while the designated credit information institution holds specified credit information based on said consent.
第四章 前払式特定取引
Chapter IV Specified Prepaid Transactions
(許可の申請)
(Application for License)
第百二十二条 法第三十五条の三の六十二において準用する法第十二条第一項の申請書は、様式第二十二によるものとする。
Article 122 (1) A written application as set forth in Article 12, paragraph (1) of the Act as applied mutatis mutandis pursuant to Article 35-3-62 of the Act shall be prepared in accordance with Form 22.
2 法第三十五条の三の六十二において準用する法第十二条第二項の経済産業省令で定める書類は、次のとおりとする。
(2) The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 12, paragraph (2) of the Act as applied mutatis mutandis pursuant to Article 35-3-62 of the Act shall be as follows:
一 許可申請書提出日前一月以内の一定の日の現在において様式第二により作成した財産に関する調書及び様式第三により作成した許可申請書提出日の直前事業年度の収支に関する調書並びに許可申請書提出日の直前五事業年度(事業年度が六月の法人にあつては、直前十事業年度)の貸借対照表、損益計算書及び株主資本等変動計算書又はこれらに代わる書面
(i) the record on the property prepared in accordance with Form 2 as of a certain day within one month prior to the day of submitting the written application for a license, the record on the income and expenditure for the business year immediately prior to the day of submitting the written application for a license prepared in accordance with Form 3, and the balance sheets, profit and loss statements, and statements of changes in net assets for the last five business years immediately prior to the day of submitting the written application for a license (with regard to a corporation whose business term is six months, for the last ten business terms), or any alternative documents;
二 次の事項を記載した許可後五事業年度(事業年度が六月の法人にあつては、許可後十事業年度)の業務計画書
(ii) documented business plans for the coming five business years (with regard to a corporation whose business term is six months, for the coming ten business terms) after obtaining a license that contain the following matters:
イ 前払式特定取引の方法による取引の計画
(a) plans for transactions by the specified prepaid transactions method;
ロ 収支計画
(b) income and expenditure plans;
ハ 資金計画
(c) financial plans;
三 役員の履歴書
(iii) curricula vitae of officers;
四 法第