第三条貸金業を営もうとする者は、二以上の都道府県の区域内に営業所又は事務所を設置してその事業を営もうとする場合にあつては内閣総理大臣の、一の都道府県の区域内にのみ営業所又は事務所を設置してその事業を営もうとする場合にあつては当該営業所又は事務所の所在地を管轄する都道府県知事の登録を受けなければならない。

Article 3(1)A person who intends to engage in the Money Lending Business, where the person intends to engage in business and establishes business offices or other offices within two or more prefectural areas, must be registered by the Prime Minister, or where the person intends to engage in business and establishes a business office or other office within only one prefectural area, be registered by the prefectural governor who has jurisdiction over the locations of the business office or other office.

２前項の登録は、三年ごとにその更新を受けなければ、その期間の経過によつて、その効力を失う。

(2)The registration set forth in the preceding paragraph, unless it is renewed every three years, ceases to be effective upon the expiration of the relevant period.

３第一項の登録のうち内閣総理大臣の登録を受けようとする者は、登録免許税法（昭和四十二年法律第三十五号）の定めるところにより登録免許税を、前項の登録の更新のうち内閣総理大臣の登録の更新を受けようとする者は、政令の定めるところにより手数料を、それぞれ納めなければならない。

(3)A person who wishes to be registered by the Prime Minister under paragraph (1) is to pay registration and licensing taxes pursuant to the provisions of the Registration and Licensing Tax Act (Act No. 35 of 1967), and a person who wishes to have their registration renewed by the Prime Minister under the preceding paragraph must pay the necessary fees pursuant to the provisions of a Cabinet Order.

第四条前条第一項の登録を受けようとする者は、二以上の都道府県の区域内に営業所又は事務所を設置してその事業を営もうとする場合にあつては内閣総理大臣に、一の都道府県の区域内にのみ営業所又は事務所を設置してその事業を営もうとする場合にあつては当該営業所又は事務所の所在地を管轄する都道府県知事に、次に掲げる事項を記載した登録申請書を提出しなければならない。

Article 4(1)A person who wishes to be registered under paragraph (1) of the preceding Article, where the person intends to engage in business and establishes business offices or other offices within two or more prefectural areas, must submit a written application for registration stating the following matters to the Prime Minister, or where the person intends to engage in business and establishes a business office(s) or other office(s) within only one prefectural area, submit the written application for registration to the prefectural governor who has jurisdiction over the locations of the business office or other office:

２前項の申請書には、内閣府令で定めるところにより、次に掲げる書類を添付しなければならない。

(2)The following documents are to be attached to the written application set forth in the preceding paragraph as provided by a Cabinet Office Order:

第五条内閣総理大臣又は都道府県知事は、第三条第一項の登録の申請があつた場合においては、次条第一項の規定により登録を拒否する場合を除くほか、次の各号に掲げる事項を貸金業者登録簿に登録しなければならない。

Article 5(1)The Prime Minister or prefectural governor, where an application for registration has been filed under Article 3, paragraph (1), must register the matters listed in the following items in a money lenders' registry, except in the case where registration is refused pursuant to the provisions of paragraph (1) of the following Article:

２内閣総理大臣又は都道府県知事は、前項の規定による登録をしたときは、遅滞なく、その旨を申請者に通知しなければならない。

(2)when the Prime Minister or the prefectural governor has carried out the registration under the provisions of the preceding paragraph, the Prime Minister must notify the applicant to that effect without delay.

第六条内閣総理大臣又は都道府県知事は、第三条第一項の登録を受けようとする者が次の各号のいずれかに該当するとき、又は登録申請書若しくはその添付書類のうちに重要な事項について虚偽の記載があり、若しくは重要な事実の記載が欠けているときは、その登録を拒否しなければならない。

Article 6(1)The Prime Minister or prefectural governor must refuse to register a person who wishes to be registered under Article 3, paragraph (1) when the relevant person falls under any of the following items, or when a written application for registration or the documents attached thereto contain any false statement about important matters or lack statements about material facts:

２内閣総理大臣又は都道府県知事は、前項の規定により登録を拒否したときは、遅滞なく、その理由を示して、その旨を申請者に通知しなければならない。

(2)When the Prime Minister or prefectural governor has refused registration pursuant to the provisions of the preceding paragraph, the Prime Minister must notify the applicant to that effect and indicate the reason therefor without delay.

３第一項第十四号の政令で定める金額は、五千万円を下回つてはならない。

(3)The amount specified by a Cabinet Order as set forth in item (xiv) of paragraph (1) must not be less than 50 million yen.

４第一項第十四号の純資産額は、内閣府令で定めるところにより計算するものとする。

(4)The amount of net assets prescribed in item (xiv) of paragraph (1) is to be calculated pursuant to the provisions of a Cabinet Office Order.

第七条貸金業者が第三条第一項の登録を受けた後、次の各号の一に該当して引き続き貸金業を営もうとする場合において、同項の規定により内閣総理大臣又は都道府県知事の登録を受けたときは、その者に係る従前の内閣総理大臣又は都道府県知事の登録は、その効力を失う。

Article 7Where a Money Lender, after being registered under Article 3, paragraph (1), falls under any of the cases listed in the following items but intends to continue to engage in the Money Lending Business, and newly receives a registration from the Prime Minister or prefectural governor pursuant to the provisions of Article 3, paragraph (1), the registration pertaining to the Money Lender previously received from the Prime Minister or prefectural governor ceases to be effective:

第八条貸金業者は、第四条第一項各号（第五号及び第七号を除く。）に掲げる事項に変更があつたときは、その日から二週間以内に、同項第五号又は第七号に掲げる事項を変更しようとするとき（前条各号のいずれかに該当することとなる場合を除く。）は、あらかじめ、その旨をその登録をした内閣総理大臣又は都道府県知事に届け出なければならない。

Article 8(1)Where there has been a change to any of the matters listed in the items of Article 4, paragraph (1) (excluding item (v) and item (vii)) or where the Money Lender intends to make a change to any of the matters listed Article 4, paragraph (1), item (v) or item (vii) (except in any of the cases listed in the items of the preceding Article), the Money Lender must notify the Prime Minister or prefectural governor who registered the Money Lender to that effect within two weeks from the day on which the change took place in the former case or before making a change in the latter case.

２内閣総理大臣又は都道府県知事は、前項の規定による届出を受理したときは、当該届出に係る事項が第六条第一項第八号から第十号まで、第十三号又は第十六号のいずれかに該当する場合を除き、届出があつた事項を貸金業者登録簿に登録しなければならない。

(2)When the Prime Minister or prefectural governor has accepted the notification given under the provisions of the preceding paragraph, the Prime Minister must register the matters reported in the notification in a money lenders' registry, except in the case where the matters to which the notification pertains are any of the matters listed in Article 6, paragraph (1), item (viii) through item (x), item (xiii), or item (xvi).

３第一項の規定による届出には、内閣府令で定める書類を添付しなければならない。

(3)The document specified by a Cabinet Office Order must be attached to the notification under the provisions of paragraph (1).

第九条内閣総理大臣又は都道府県知事は、貸金業者登録簿を一般の閲覧に供しなければならない。

Article 9The Prime Minister or prefectural governor must make the money lenders' registry available for public inspection.

第十条貸金業者が次の各号のいずれかに該当することとなつた場合においては、当該各号に掲げる者は、その日（第一号の場合にあつては、その事実を知つた日）から三十日以内に、その旨をその登録をした内閣総理大臣又は都道府県知事に届け出なければならない。

Article 10(1)Where a Money Lender has come to fall under any of the following items, the person prescribed in each item must notify the Prime Minister or prefectural governor who registered the Money Lender to that effect within 30 days from the day on which the event set forth therein took place (or in the case of item (i), within 30 from the day on which the person became aware of the event):

２貸金業者が前項各号の一に該当するに至つたときは、第三条第一項の登録は、その効力を失う。

(2)Where the Money Lender has come to fall under any of the items of the preceding paragraph, the registration under Article 3, paragraph (1) ceases to be effective.

３貸金業者が死亡した場合においては、相続人（相続人が二人以上ある場合において、その全員の同意により事業を承継すべき相続人を選定したときは、その者。以下この条において同じ。）は、被相続人の死亡後六十日間（当該期間内に第六条第一項の規定による登録の拒否の処分があつたときは、その日までの間）は、引き続き貸金業を営むことができる。相続人がその期間内に第三条第一項の登録の申請をした場合において、その期間を経過したときは、その申請について登録又は登録の拒否の処分があるまでの間も、同様とする。この場合において、これらの期間内の営業については、相続人を貸金業者とみなす。

(3)Where the Money Lender has died, their heir (where there are two or more heirs and where an heir to succeed to the business has been selected by the consent of all heirs, the relevant person; hereinafter the same applies in this Article) may continue to conduct the Money Lending Business for 60 days after the death of the decedent (if registration has been refused pursuant to the provisions of Article 6, paragraph (1) within that period, the period up to the day when registration is refused). In the case where the heir has filed an application for registration under Article 3, paragraph (1) within that period and when such a period has elapsed, the same applies to the period until the registration or the refusal of the registration with regard to the relevant filing is determined.In this case, with regard to the business conducted during the relevant period, the heir is deemed to be the Money Lender.

第十一条第三条第一項の登録を受けない者は、貸金業を営んではならない。

Article 11(1)A person who does is not registered under Article 3, paragraph (1) must not engage in the Money Lending Business.

２第三条第一項の登録を受けない者は、次に掲げる行為をしてはならない。

(2)A person who is not registered under Article 3, paragraph (1) must not conduct the following acts:

３貸金業者は、貸金業者登録簿に登録された営業所又は事務所以外の営業所又は事務所を設置して貸金業を営んではならない。

(3)A Money Lender must not engage in the Money Lending Business having established a business office or office other than those registered in the money lenders' registry.

第十二条第三条第一項の登録を受けた者は、自己の名義をもつて、他人に貸金業を営ませてはならない。

Article 12A person who has been registered under Article 3, paragraph (1) must not have another person engage in the Money Lending Business under the Money Lender's name.

第十二条の二貸金業者は、内閣府令で定めるところにより、その貸金業の業務に関して取得した資金需要者等に関する情報の適正な取扱い、その貸金業の業務を第三者に委託する場合における当該業務の的確な遂行その他の貸金業の業務の適切な運営を確保するための措置を講じなければならない。

Article 12-2Pursuant to the provisions of a Cabinet Office Order, a Money Lender is to take the necessary measures to ensure the appropriate handling of information pertaining to Persons Seeking Funds, etc. obtained in the course of its money lending operations, the appropriate execution of money lending operations by third parties in the case of entrustment thereof, and must take other measures to ensure the appropriate management of money lending operations.

第十二条の二の二貸金業者は、次の各号に掲げる場合の区分に応じ、当該各号に定める措置を講じなければならない。

Article 12-2-2(1)A Money Lender must take the measures specified in the following items according to the category of cases set forth in the respective items:

２貸金業者は、前項の規定により手続実施基本契約を締結する措置を講じた場合には、当該手続実施基本契約の相手方である指定紛争解決機関の商号又は名称を公表しなければならない。

(2)When a Money Lender has taken measures to conclude a Basic Contract for Implementation of Dispute Resolution Procedures pursuant to the provisions of the preceding paragraph, it is to make public the trade name or name of the Designated Dispute Resolution Organization that is the counterparty to the relevant Basic Contract for Implementation of Dispute Resolution Procedures.

３第一項の規定は、次の各号に掲げる場合の区分に応じ、当該各号に定める期間においては、適用しない。

(3)The provisions of paragraph (1) is not to apply for the periods specified in the following items according to the category of cases set forth in the respective items:

第十二条の三貸金業者は、営業所又は事務所ごとに、内閣府令で定めるところにより、その貸金業の業務の規模等を考慮して内閣府令で定める数の貸金業務取扱主任者を置き、当該営業所又は事務所において貸金業の業務に従事する使用人その他の従業者に対する助言又は指導で、これらの者が貸金業に関する法令（条例を含む。第二十条の二において同じ。）の規定を遵守してその貸金業の業務を適正に実施するために必要なものを行わせなければならない。

Article 12-3(1)As provided by a Cabinet Office Order, a Money Lender is to assign the number of Chiefs of Money Lending Operations specified by a Cabinet Office Order, in consideration of the size and other matters of its money lending operations, and must have them give the necessary advice or guidance to the Money Lender's employees and other workers who engage in money lending operations at the business office or other office so that these employees and workers carry out money lending operations properly in compliance with laws and regulations (including prefectural or municipal ordinances; the same is to apply in Article 20-2) concerning the Money Lending Business.

２貸金業者は、貸金業務取扱主任者が前項の助言又は指導に係る職務を適切に遂行できるよう必要な配慮を行わなければならず、貸金業の業務に従事する使用人その他の従業者は、貸金業務取扱主任者が行う同項の助言を尊重するとともに、同項の指導に従わなければならない。

(2)A Money Lender are to give due consideration so as to enable a Chief of Money Lending Operations to properly perform their duties in relation to the advice or guidance set forth in the preceding paragraph, and the Money Lender's employees and other workers who engage in the money lending operations must respect the advice given by the Chief of Money Lending Operations under that paragraph as well as following the guidance given under that paragraph.

３貸金業者は、予見し難い事由により、営業所又は事務所における貸金業務取扱主任者の数が第一項の内閣府令で定める数を下回るに至つたときは、二週間以内に、同項の規定に適合させるために必要な措置をとらなければならない。

(3)When the number of Chiefs of Money Lending Operations assigned to a business office or other office has become lower than the number specified by a Cabinet Office Order set forth in paragraph (1) due to any unforeseeable reasons, a Money Lender must take the necessary measures to satisfy the provisions of that paragraph within two weeks.

４貸金業者は、貸金業の業務を行うに当たり資金需要者等からの請求があつたときは、当該業務を行う営業所又は事務所の貸金業務取扱主任者の氏名を明らかにしなければならない。

(4)When requested by a Person Seeking Funds, etc. in the course of carrying out money lending operations, a Money Lender must disclose the name of the Chief of Money Lending Operations who carries out the business affairs at the business office or other office.

第十二条の四貸金業者は、内閣府令で定めるところにより、貸金業の業務に従事する使用人その他の従業者に、その従業者であることを証する証明書を携帯させなければ、その者をその業務に従事させてはならない。

Article 12-4(1)As provided by a Cabinet Office Order, a Money Lender is not to allow its employees and other workers who engage in money lending operations to actually engage in operations without carrying identification cards that certify that they are the Money Lender's employees or workers.

２貸金業者は、内閣府令で定めるところにより、営業所又は事務所ごとに、従業者名簿を備え、従業者の氏名、住所、前項の証明書の番号その他内閣府令で定める事項を記載し、これを保存しなければならない。

(2)Pursuant to the provisions of a Cabinet Office Order, a Money Lender must prepare and preserve a roster of employees for each business office or other office that contains the employees' names, addresses, the numbers from the identification cards as prescribed in the preceding paragraph, and other matters specified by a Cabinet Office Order.

第十二条の五貸金業者は、暴力団員等をその業務に従事させ、又はその業務の補助者として使用してはならない。

Article 12-5A Money Lender is not to allow an Organized Crime Group Member, etc. to engage in the Money Lender's business operations nor is a Money Lender to use that member as an assistant in its operations.

第十二条の六貸金業者は、その貸金業の業務に関し、次に掲げる行為をしてはならない。

Article 12-6A Money Lender is not to conduct any of the following acts in relation to its money lending operations:

第十二条の七貸金業者は、貸付けの契約（住宅資金貸付契約その他の内閣府令で定める契約を除く。）の相手方又は相手方となろうとする者の死亡によつて保険金の支払を受けることとなる保険契約を締結しようとする場合には、当該保険契約において、自殺による死亡を保険事故としてはならない。

Article 12-7When a Money Lender intends to conclude an insurance contract under which they are to receive payment of insurance claims upon the death of the counterparty or the person who intends to be the counterparty to the Contract for a Loan (excluding Home Loan Contracts and other contracts specified by a Cabinet Office Order), not make death resulting from suicide an insured event in the relevant insurance contract.

第十二条の八貸金業者は、その利息（みなし利息を含む。第三項及び第四項において同じ。）が利息制限法（昭和二十九年法律第百号）第一条に規定する金額を超える利息の契約を締結してはならない。

Article 12-8(1)A Money Lender must not conclude a contract for interest wherein the amount of interest (including Payment Regarded as Interest; the same applies to paragraphs (3) and (4)) exceeds the amount defined in Article 1 of the Interest Rate Restriction Act (Act No. 100 of 1954).

２前項に規定する「みなし利息」とは、礼金、割引金、手数料、調査料その他いかなる名義をもつてするかを問わず、金銭の貸付けに関し債権者の受ける元本以外の金銭（契約の締結及び債務の弁済の費用であつて、次に掲げるものを除く。）のうち、金銭の貸付け及び弁済に用いるため債務者に交付されたカードの再発行の手数料その他の債務者の要請により債権者が行う事務の費用として政令で定めるものを除いたものをいう。

(2)The term "Payment Regarded as Interest" prescribed in the preceding paragraph means a reward, discount, fee, investigation fee, or any money irrespective of the name given to it, excluding the principal received by the creditor in relation to money lending (excluding costs for concluding contracts or for performance of obligations which are listed in the following items), and also excluding reissuance fees for cards issued to the obligors for the purpose of borrowing of money or the performance therefor and any other costs specified by a Cabinet Order as those related to any service rendered by the creditor at the obligor's request:

３貸金業者は、利息制限法第九条各項に規定する利息の契約であつて、その利息（同条第一項に規定する利息の契約に該当する場合にあつては、同項に規定する増加後の利息。次項後段において同じ。）が当該各項に規定する金額を超えるものを締結してはならない。

(3)A Money Lender must not conclude a contract for interest prescribed in the paragraphs of Article 9 of the Interest Rate Restriction Act wherein the amount of interest exceeds the amount defined in those paragraphs (if the contract for interest falls under that set forth in paragraph (1) of that Article, the increased interest provided in that paragraph; the same is to apply in the second sentence of the following paragraph).

４貸金業者は、利息制限法第一条に規定する金額を超える利息を受領し、又はその支払を要求してはならない。同法第九条各項に規定する利息の契約に係る利息のうち、当該各項に規定する金額を超える部分についても、同様とする。

(4)A Money Lender must not receive or request payment of interest which exceeds the amount specified in Article 1 of the Interest Rate Restriction Act. The same applies to the portion of the amount of interest pertaining to the contract for interest as set forth in paragraphs of Article 9 of that Act which exceeds the amounts set forth in those respective paragraphs.

５貸金業者は、貸付けに係る契約の締結に際し、その相手方又は相手方となろうとする者に対し、債務履行担保措置（当該契約に基づく債務の履行を担保するための保証、保険その他これらに類するものとして内閣府令で定めるものをいう。以下この項において同じ。）に係る契約（当該債務履行担保措置の対価として支払われる金銭の額が当該金銭の額を利息制限法第八条第一項に規定する保証料の額とみなして同条の規定を適用したときに同条の規定により無効とされることとなる部分を含むものに限る。）を、債務履行担保措置を業として営む者と締結することを当該貸付けに係る契約の締結の条件としてはならない。

(5)A Money Lender, when concluding a loan contract, must not require the counterparty or the person who intends to be the counterparty to the loan contract to conclude a contract for Security Measures for Performance of Obligations (meaning guarantees, insurance, and other measures specified by a Cabinet Office Order as being similar thereto which are arranged for the purpose of securing performance of obligations under the contract; hereinafter the same does not apply in this paragraph) (limited to contracts covering a portion of the amount which is to be invalid under Article 8 of the Interest Rate Restriction Act, given that the relevant provisions are applied by deeming that the amount of money paid as consideration for the Security Measures for Performance of Obligations is a guarantee charge provided for in that Article) with a person who is engaged in the business of Security Measures for Performance of Obligations on a regular basis, as a condition for concluding the relevant loan contract.

６貸金業者は、貸付けに係る契約について、業として保証を行う者（以下「保証業者」という。）と保証契約を締結しようとするときは、あらかじめ、当該保証契約を締結するまでに、当該保証業者への照会その他の方法により次に掲げる事項を確認しなければならない。

(6)When concluding a guarantee contract with a person who provides guarantees on a regular basis (hereinafter referred to as the "Guarantee Business Operator") in relation to a loan contract, a Money Lender is to confirm the matters listed in the following items by making inquiries to the relevant Guarantee Business Operator or by using other methods, in advance of the conclusion of the relevant guarantee contract:

７貸金業者は、内閣府令で定めるところにより、前項の規定による確認に関する記録を作成し、これを保存しなければならない。

(7)Pursuant to the provisions of a Cabinet Office Order, a Money Lender is to prepare and preserve a record of the matters confirmed under the preceding paragraph.

８貸金業者は、貸付けに係る契約の締結に際し、その相手方又は相手方となろうとする者に対し、保証料に係る契約（締結時において保証料の額又は保証料の主たる債務の元本に対する割合が確定していない保証料に係る契約として内閣府令で定めるものに該当するものに限る。）を、保証業者との間で締結することを当該貸付けに係る契約の締結の条件としてはならない。

(8)When concluding a loan contract, a Money Lender is not to require the counterparty or the person who intends to be the counterparty to the relevant loan contract to conclude a contract for guarantee charges (limited to those which fall under the contract for guarantee charges as specified by a Cabinet Office Order wherein the amount of guarantee charges or the proportion of guarantee charges to the principal of the principal obligation is not fixed at the time of conclusion of the relevant contract) with a Guarantee Business Operator, as a condition for concluding the relevant loan contract.

９貸金業者は、保証業者との間で根保証契約（一定の範囲に属する不特定の貸付けに係る債務を主たる債務とする保証契約をいう。以下この項において同じ。）を締結しようとする場合において、当該根保証契約が主たる債務の金額又は主たる債務に係る貸付けの契約期間に照らして不適切と認められる極度額又は保証期間を定める根保証契約として内閣府令で定めるものに当たるものであるときは、当該根保証契約を締結してはならない。

(9)When concluding a Contract for a Revolving Guarantee (meaning a guarantee contract the principal obligation of which is the obligation of one or more unidentified loans within a certain scope; hereinafter the same must apply in this paragraph) with a Guarantee Business Operator, conclude a Contract for a Revolving Guarantee if the contract falls under one that provides a maximum amount or a guarantee period which is found to be inappropriate in light of the amount of the principal obligation or the period of the loan contract pertaining to the principal obligation as specified by a Cabinet Office Order.

１０金銭の貸借の媒介を行つた貸金業者は、当該媒介により締結された貸付けに係る契約の債務者から当該媒介の手数料を受領した場合において、当該契約につき更新（媒介のための新たな役務の提供を伴わないと認められる法律行為として内閣府令で定めるものを含む。）があつたときは、これに対する新たな手数料を受領し、又はその支払を要求してはならない。

(10)A Money Lender who has acted as an intermediary for lending money must not, when the Money Lender has received fees for acting as the intermediary from the obligor of the loan contract concluded through the relevant intermediary, and when the relevant loan contract has been renewed (including juridical acts which are found not to be accompanied by any additional services for an intermediary as provided by a Cabinet Office Order), receive additional fees for that renewal or request that the obligor provide that payment.

１１金銭の貸借の媒介を行う貸金業者がその媒介に関し受ける金銭は、礼金、調査料その他いかなる名義をもつてするかを問わず、手数料とみなして前項の規定を適用する。

(11)A reward, investigation fee, or other money irrespective of the name given to it received by a Money Lender in relation to acting as an intermediary for lending money is deemed as fees and the provisions of the preceding paragraph apply.

第十二条の九貸金業者は、資金需要者等の利益の保護のために必要と認められる場合には、資金需要者等に対して、借入れ又は返済に関する相談又は助言その他の支援を適正かつ確実に実施することができると認められる団体を紹介するよう努めなければならない。

Article 12-9When a Money Lender finds it necessary for protecting the interests of Persons Seeking Funds, etc., the Money Lender must strive to introduce associations that are found to be capable of providing the Persons Seeking Funds, etc. with consultation, advice, or any other support concerning their borrowings or repayments in a proper and reliable manner.

第十三条貸金業者は、貸付けの契約を締結しようとする場合には、顧客等の収入又は収益その他の資力、信用、借入れの状況、返済計画その他の返済能力に関する事項を調査しなければならない。

Article 13(1)In concluding a Contract for a Loan, a Money Lender must investigate matters concerning the repayment capacity of the Customer, etc., such as income or profits or other financial resources, credit, the status of borrowings, repayment plans, and any other matters.

２貸金業者が個人である顧客等と貸付けの契約（極度方式貸付けに係る契約その他の内閣府令で定める貸付けの契約を除く。）を締結しようとする場合には、前項の規定による調査を行うに際し、指定信用情報機関が保有する信用情報を使用しなければならない。

(2)When a Money Lender intends to conclude a Contract for a Loan (excluding contract for a Revolving Credit Loan and any other Contract for a Loan as specified by a Cabinet Office Order) with a Customer, etc. who is an individual, the Money Lender must make use of the Credit Information held by a Designated Credit Bureau in carrying out an investigation under the preceding paragraph.

３貸金業者は、前項の場合において、次の各号に掲げる場合のいずれかに該当するときは、第一項の規定による調査を行うに際し、資金需要者である個人の顧客（以下この節において「個人顧客」という。）から源泉徴収票（所得税法（昭和四十年法律第三十三号）第二百二十六条第一項に規定する源泉徴収票をいう。以下この項及び第十三条の三第三項において同じ。）その他の当該個人顧客の収入又は収益その他の資力を明らかにする事項を記載し、又は記録した書面又は電磁的記録として内閣府令で定めるものの提出又は提供を受けなければならない。ただし、貸金業者が既に当該個人顧客の源泉徴収票その他の当該個人顧客の収入又は収益その他の資力を明らかにする事項を記載し、又は記録した書面又は電磁的記録として内閣府令で定めるものの提出又は提供を受けている場合は、この限りでない。

(3)In the case referred to in the preceding paragraph and in the cases where any of the following items apply, a Money Lender, when conducting an investigation under the provisions of paragraph (1), must have the Individual Customer submit or provide Withholding Records (meaning withholding records as provided in Article 226, paragraph (1) of the Income Tax Act (Act No. 33 of 1965); hereinafter the same applies in this paragraph and Article 13-3, paragraph (3)) or other documents or electronic or magnetic records containing or in which are recorded, the matters that disclose the income or profits or other financial resources of an individual customer who is a person seeking funds (hereinafter referred to as an "Individual Customer" in this Section) as specified by a Cabinet Office Order and that have been submitted or provided by the Individual Customer; provided, however, that this is not to apply if the Money Lender has already received the Individual Customer's Withholding Records or other documents or electronic or magnetic records containing or in which are recorded the matters that disclose the income or profits or other financial resources of the Individual Customer as specified by a Cabinet Office Order:

４貸金業者は、顧客等と貸付けの契約を締結した場合には、内閣府令で定めるところにより、第一項の規定による調査に関する記録を作成し、これを保存しなければならない。

(4)When a Money Lender has concluded a Contract for a Loan with a Customer, etc., pursuant to the provisions of a Cabinet Office Order, the Money Lender must prepare and preserve a record on the investigation conducted under paragraph (1).

５前各項の規定は、極度方式基本契約の極度額（貸金業者が極度方式基本契約の相手方に対し当該極度方式基本契約に基づく極度方式貸付けの元本の残高の上限として極度額を下回る額を提示している場合にあつては、当該下回る額）を増額する場合（当該極度方式基本契約の相手方の利益の保護に支障を生ずることがない場合として内閣府令で定めるものを除く。）について準用する。この場合において、必要な技術的読替えは、政令で定める。

(5)The provisions of the preceding paragraphs apply mutatis mutandis to an increase in the maximum amount under the Basic Contract for a Revolving Credit Loan (if the Money Lender has made available to the Individual Customer an amount smaller than the maximum amount as an upper limit on the outstanding balance of the principal of the Revolving Credit Loan under the Basic Contract for the Revolving Credit Loan, the smaller amount) (excluding cases specified by a Cabinet Office Order as those for which it is found not to hinder the protection of interests of the counterparty to the Basic Contract for a Revolving Credit Loan).In this case, any necessary technical replacement of terms are to be specified by a Cabinet Order.

第十三条の二貸金業者は、貸付けの契約を締結しようとする場合において、前条第一項の規定による調査により、当該貸付けの契約が個人過剰貸付契約その他顧客等の返済能力を超える貸付けの契約と認められるときは、当該貸付けの契約を締結してはならない。

Article 13-2(1)In the case where a Money Lender intends to conclude a Contract for a Loan, when the Money Lender then find that the Contract for the Loan is an Excessive Loan Contract for an Individual Customer or another Contract for a Loan that exceeds the repayment capacity of a Customer, etc. as a result of an investigation carried out under paragraph (1) of the preceding Article, the Money Lender must not conclude a Contract for the relevant Loan.

２前項に規定する「個人過剰貸付契約」とは、個人顧客を相手方とする貸付けに係る契約（住宅資金貸付契約その他の内閣府令で定める契約（以下「住宅資金貸付契約等」という。）及び極度方式貸付けに係る契約を除く。）で、当該貸付けに係る契約を締結することにより、当該個人顧客に係る個人顧客合算額（住宅資金貸付契約等に係る貸付けの残高を除く。）が当該個人顧客に係る基準額（その年間の給与及びこれに類する定期的な収入の金額として内閣府令で定めるものを合算した額に三分の一を乗じて得た額をいう。次条第五項において同じ。）を超えることとなるもの（当該個人顧客の利益の保護に支障を生ずることがない契約として内閣府令で定めるものを除く。）をいう。

(2)An "Excessive Loan Contract for an Individual Customer" as provided in the preceding paragraph means a loan contract concluded with an Individual Customer (excluding Home Loan Contracts and other contracts specified by a Cabinet Office Order (hereinafter collectively referred to as "Home Loan Contracts, etc.") and contracts for Revolving Credit Loans), under which the Total Borrowings of an Individual Customer pertaining to the relevant Individual Customer (excluding the outstanding balance pertaining to a Home Loan Contract, etc.) exceed the Base Amount (meaning the amount obtained by dividing the total amount of the relevant Individual Customer's annual salary and other regular income similar thereto as specified by a Cabinet Office Order by three; the same applies in paragraph (5) of the following Article) (excluding contracts specified by a Cabinet Office Order as those that will not hinder the protection of the Individual Customer's interests).

第十三条の三貸金業者は、個人顧客と極度方式基本契約を締結している場合において、当該極度方式基本契約に基づき行われる極度方式貸付けに係る時期、金額その他の状況を勘案して内閣府令で定める要件に該当するときは、内閣府令で定めるところにより、指定信用情報機関の保有する当該個人顧客に係る信用情報を使用して、当該極度方式基本契約が基準額超過極度方式基本契約に該当するかどうかを調査しなければならない。

Article 13-3(1)When a Money Lender has concluded a Basic Contract for a Revolving Credit Loan with an Individual Customer and if the Basic Contract for the Revolving Credit Loan falls under the requirements provided by a Cabinet Office Order, taking into consideration the period, amount, and other conditions of the Revolving Credit Loan made under the Basic Contract for the Revolving Credit Loan, it must use the Credit Information on the Individual Customer held by a Designated Credit Bureau and investigate whether the Basic Contract for the Revolving Credit Loan falls under a Basic Contract for a Revolving Credit Loan Exceeding the Base Amount, pursuant to the provisions of a Cabinet Office Order.

２前項に定めるもののほか、貸金業者は、個人顧客と極度方式基本契約を締結している場合には、内閣府令で定める期間ごとに、指定信用情報機関が保有する当該個人顧客に係る信用情報を使用して、当該極度方式基本契約が基準額超過極度方式基本契約に該当するかどうかを調査しなければならない。ただし、当該極度方式基本契約に基づく極度方式貸付けの残高が少額である場合その他の内閣府令で定める場合は、この限りでない。

(2)Beyond what is provided for in the preceding paragraph, when a Money Lender has concluded a Basic Contract for a Revolving Credit Loan with an Individual Customer, it must use the Credit Information on the Individual Customer held by a Designated Credit Bureau and investigate whether the Basic Contract for the Revolving Credit Loan falls under a Basic Contract for a Revolving Credit Loan Exceeding the Base Amount for each period specified by a Cabinet Office Order; provided, however, that, this is not to apply to cases where the outstanding balance of the Revolving Credit Loan pertaining to the Basic Contract for the Revolving Credit Loan is low or other cases specified by a Cabinet Office Order.

３貸金業者は、前二項の規定による調査をしなければならない場合において、当該個人顧客に係る第五項に規定する極度方式個人顧客合算額が百万円を超えるときは、当該調査を行うに際し、当該個人顧客から源泉徴収票その他の当該個人顧客の収入又は収益その他の資力を明らかにする事項を記載し、又は記録した書面又は電磁的記録として内閣府令で定めるものの提出又は提供を受けなければならない。ただし、貸金業者が既に当該個人顧客の源泉徴収票その他の当該個人顧客の収入又は収益その他の資力を明らかにする事項を記載し、又は記録した書面又は電磁的記録として内閣府令で定めるものの提出又は提供を受けている場合は、この限りでない。

(3)If a Money Lender must carry out an investigation under the provisions of the preceding two paragraphs and when the Total Borrowings of an Individual Customer under a Revolving Credit Loan prescribed in paragraph (5) pertaining to the Individual Customer exceed one million yen, a Money Lender is to have the Individual Customer submit or provide a Withholding Record or other documents or electronic or magnetic records containing or in which are recorded matters that disclose the income or profits or other financial resources of the Individual Customer as specified by a Cabinet Office Order in carrying out the investigation; provided, however, that, this does not apply to cases where the Money Lender has already received a Withholding Record or other documents or electronic or magnetic records containing or in which are recorded matters that disclose the income or profits or other financial resources of the Individual Customer as specified by a Cabinet Office Order that have been submitted or provided by the Individual Customer.

４貸金業者は、内閣府令で定めるところにより、第一項及び第二項の規定による調査に関する記録を作成し、これを保存しなければならない。

(4)Pursuant to the provisions of a Cabinet Office Order, a Money Lender must prepare and preserve a record on investigations carried out under the provisions of paragraph (1) and paragraph (2).

５第一項及び第二項に規定する「基準額超過極度方式基本契約」とは、個人顧客を相手方とする極度方式基本契約で、当該極度方式基本契約が締結されていることにより、当該個人顧客に係る極度方式個人顧客合算額（次に掲げる金額を合算した額をいう。）が当該個人顧客に係る基準額を超えることとなるもの（当該個人顧客の利益の保護に支障を生ずることがない極度方式基本契約として内閣府令で定めるものを除く。）をいう。

(5)The "Basic Contract for a Revolving Credit Loan Exceeding the Base Amount" as provided in paragraph (1) and paragraph (2) means a Basic Contract for a Revolving Credit Loan concluded with an Individual Customer, by which the Total Borrowings of an Individual Customer under a Revolving Credit Loan pertaining to the relevant Individual Customer (meaning the total of the amounts listed in the following items) exceed the Base Amount for the Individual Customer (excluding a Basic Contract for a Revolving Credit Loan specified by a Cabinet Office Order as that which will not hinder the protection of the Individual Customer's interest):

第十三条の四貸金業者は、個人顧客と極度方式基本契約を締結している場合において、前条第一項又は第二項の規定による調査により、当該極度方式基本契約が同条第五項に規定する基準額超過極度方式基本契約に該当すると認められるときは、当該極度方式基本契約の条項に基づく極度額の減額その他の当該極度方式基本契約に関して極度方式貸付けを抑制するために必要な措置として内閣府令で定めるものを講じなければならない。

Article 13-4When having concluded a Basic Contract for a Revolving Credit Loan with an Individual Customer and having found the relevant Basic Contract for the Revolving Credit Loan to fall under the category of a Basic Contract for a Revolving Credit Loan Exceeding the Base Amount as set forth in paragraph (5) of the preceding Article as a result of the investigation carried out under the provisions of paragraph (1) or paragraph (2) of that Article, a Money Lender must reduce the maximum amount founded in the provisions of the Basic Contract for the Revolving Credit Loan or take any other measures to reduce new Revolving Credit Loans under the Basic Contract for the Revolving Credit Loan as specified by a Cabinet Office Order.

第十四条貸金業者は、内閣府令で定めるところにより、営業所又は事務所ごとに、顧客の見やすい場所に、次に掲げる事項を掲示しなければならない。

Article 14Pursuant to the provisions of a Cabinet Office Order, a Money Lender must post the following matters in a place accessible to the customer at each of its business offices or other offices:

第十五条貸金業者は、貸付けの条件について広告をするとき、又は貸付けの契約の締結について勧誘をする場合において貸付けの条件を表示し、若しくは説明するときは、内閣府令で定めるところにより、次に掲げる事項を表示し、又は説明しなければならない。

Article 15(1)When advertising the conditions of its Loans, or when indicating or explaining the conditions of its Loans in solicitation to conclude a Contract for a Loan, a Money Lender must indicate or explain the following matters pursuant to the provisions of a Cabinet Office Order:

２貸金業者は、前項に規定する広告をし、又は書面若しくはこれに代わる電磁的記録を送付して勧誘（広告に準ずるものとして内閣府令で定めるものに限る。）をするときは、電話番号その他の連絡先等であつて内閣府令で定めるものについては、これに貸金業者登録簿に登録された第四条第一項第七号に掲げる事項に係るもの以外のものを表示し、又は記録してはならない。

(2)When advertising under the preceding paragraph or soliciting by sending documents or electronic or magnetic records in lieu of the documents (limited to solicitation specified by a Cabinet Office Order as being equivalent to advertising), a Money Lender must not indicate or have recorded telephone numbers or other points of contact, etc. as defined by a Cabinet Office Order other than those listed in Article 4, paragraph (1), item (vii) and registered in the Money Lenders' registry.

第十六条貸金業者は、その貸金業の業務に関して広告又は勧誘をするときは、貸付けの利率その他の貸付けの条件について、著しく事実に相違する表示若しくは説明をし、又は実際のものよりも著しく有利であると人を誤認させるような表示若しくは説明をしてはならない。

Article 16(1)A Money Lender must not make an indication or explanation of a Loan Interest Rate or any other conditions of a Loan that is significantly contradictory to facts or which is likely to mislead people to understand the conditions to be more favorable than they actually are in advertising or soliciting with regard to its money lending operations.

２前項に定めるもののほか、貸金業者は、その貸金業の業務に関して広告又は勧誘をするときは、次に掲げる表示又は説明をしてはならない。

(2)Beyond what is provided for in the preceding paragraph, a Money Lender must not make the following indications or explanations in advertising or soliciting with regard to its money lending operations:

３貸金業者は、資金需要者等の知識、経験、財産の状況及び貸付けの契約の締結の目的に照らして不適当と認められる勧誘を行つて資金需要者等の利益の保護に欠け、又は欠けることとなるおそれがないように、貸金業の業務を行わなければならない。

(3)A Money Lender must conduct its money lending operations while refraining from solicitation that is found to be inappropriate in light of the knowledge, experience, and status of property of the Person Seeking Funds, etc. and in light of a purpose for concluding a Contract for a Loan which clearly would or is likely to result in insufficient protection of the interests of Persons Seeking Funds, etc.

４貸金業者は、貸付けの契約の締結を勧誘した場合において、当該勧誘を受けた資金需要者等から当該貸付けの契約を締結しない旨の意思（当該勧誘を引き続き受けることを希望しない旨の意思を含む。）が表示されたときは、当該勧誘を引き続き行つてはならない。

(4)When a Money Lender has conducted solicitation for concluding a Contract for a Loan, and if the solicited Person Seeking Funds, etc. has indicated their intention not to conclude a Contract for the relevant Loan (including cases where the Person Seeking Funds, etc. has indicated to the effect that they do not wish for the solicitation to continue), not continue the solicitation.

５貸金業者は、その貸金業の業務に関して広告又は勧誘をするときは、資金需要者等の返済能力を超える貸付けの防止に配慮するとともに、その広告又は勧誘が過度にわたることがないように努めなければならない。

(5)In advertising or soliciting with regard to its money lending operations, a Money Lender must give due consideration so as to prevent the Person Seeking Funds, etc. from borrowing under a Loan that exceeds their repayment capacity, and must strive to ensure that the advertisement or solicitation does not become excessive.

第十六条の二貸金業者は、貸付けに係る契約（極度方式基本契約及び極度方式貸付けに係る契約を除く。）を締結しようとする場合には、当該契約を締結するまでに、内閣府令で定めるところにより、次に掲げる事項を明らかにし、当該契約の内容を説明する書面を当該契約の相手方となろうとする者に交付しなければならない。

Article 16-2(1), In concluding a loan contract (excluding Basic Contracts for Revolving Credit Loans and contracts for Revolving Credit Loans), a Money Lender must deliver documents that disclose the following particulars and explain the details of the relevant contract to the person who intends to be the counterparty thereto by the time of conclusion thereof, pursuant to the provisions of a Cabinet Office Order:

２貸金業者は、極度方式基本契約を締結しようとする場合には、当該極度方式基本契約を締結するまでに、内閣府令で定めるところにより、次に掲げる事項を明らかにし、当該極度方式基本契約の内容を説明する書面を当該極度方式基本契約の相手方となろうとする者に交付しなければならない。

(2)In concluding a Basic Contract for a Revolving Credit Loan, a Money Lender must deliver documents that disclose the following matters and explain the details of the Basic Contract for the Revolving Credit Loan to the person who intends to be the counterparty thereto by the time of conclusion thereof, pursuant to the provisions of a Cabinet Office Order:

３貸金業者は、貸付けに係る契約について保証契約を締結しようとする場合には、当該保証契約を締結するまでに、内閣府令で定めるところにより、次に掲げる事項（一定の範囲に属する不特定の貸付けに係る債務を主たる債務とする保証契約にあつては、第三号に掲げる事項を除く。）を明らかにし、当該保証契約の内容を説明する書面を当該保証契約の保証人となろうとする者に交付しなければならない。

(3)When concluding a guarantee contract in relation to a Contract for a Loan, a Money Lender must deliver documents that disclose the following matters (in cases of a guarantee contract the principal obligation of which is the obligation of one or more unidentified loans within a certain scope, excluding the matters set forth in item (iii)) and that explain the details of the relevant guarantee contract to the person who intends to be the guarantor under the relevant guarantee contract by the time of conclusion thereof, pursuant to the provisions of a Cabinet Office Order:

４貸金業者は、前三項の規定による書面の交付に代えて、政令で定めるところにより、第一項若しくは第二項の貸付けの契約の相手方となろうとする者又は前項の保証人となろうとする者の承諾を得て、前三項の規定により明らかにすべきものとされる事項を電磁的方法により提供することができる。この場合において、貸金業者は、当該書面の交付を行つたものとみなす。

(4)In lieu of delivering the documents prescribed in the preceding three paragraphs and pursuant to the provisions of a Cabinet Order, a Money Lender may provide the matters required to be disclosed under those paragraphs by way of electronic or magnetic means, with the consent of the person who intends to be the counterparty to the Contract for the Loan as provided in paragraph (1) or paragraph (2), or with the consent of the person who intends to be the guarantor set forth in the preceding paragraph.In this case, the Money Lender is deemed to have delivered the documents.

第十六条の三貸金業者が、貸付けの契約の相手方又は相手方となろうとする者の死亡によつて保険金の支払を受けることとなる保険契約を締結しようとする場合において、これらの者から保険法（平成二十年法律第五十六号）第三十八条又は第六十七条第一項の同意を得ようとするときは、あらかじめ、内閣府令で定めるところにより、次に掲げる事項を記載した書面をこれらの者に交付しなければならない。

Article 16-3(1)When a Money Lender intends to conclude an insurance contract under which they are to receive payment of insurance claims upon the death of the counterparty to a loan contract or a person who intends to be the counterparty thereto, and when they wish to obtain the consent under Article 38 or Article 67, paragraph (1) of the Insurance Act (Act No. 56 of 2008) from the counterparty or person, a Money Lender must deliver a document containing the following matters to the person in advance, pursuant to the provisions of a Cabinet Office Order:

２貸金業者は、前項の規定による書面の交付に代えて、政令で定めるところにより、貸付けの契約の相手方又は相手方となろうとする者の承諾を得て、同項各号に掲げる事項を電磁的方法により提供することができる。この場合において、貸金業者は、当該書面の交付を行つたものとみなす。

(2)A Money Lender may, in lieu of delivering the documents under the preceding paragraph and pursuant to the provisions of a Cabinet Order, provide the matters set forth in the items of that paragraph by way of electronic or magnetic means, with the consent of the counterparty or the person who intends to be the counterparty to the Contract for the Loan.In this case, the Money Lender is deemed to have delivered the documents.

第十七条貸金業者は、貸付けに係る契約（極度方式基本契約を除く。第四項において同じ。）を締結したときは、遅滞なく、内閣府令で定めるところにより、次に掲げる事項についてその契約の内容を明らかにする書面をその相手方に交付しなければならない。当該書面に記載した事項のうち、重要なものとして内閣府令で定めるものを変更したときも、同様とする。

Article 17(1)When a Money Lender has concluded a loan contract (excluding Basic Contracts for Revolving Credit Loans; the same applies in paragraph (4)), pursuant to the provisions of a Cabinet Office Order, the Money Lender must deliver a document that discloses the details of the contract and that states the following matters to the counterparty thereto without delay. The same applies when the Money Lender has changed any description stated therein with regard to important matters as provided by a Cabinet Office Order:

２貸金業者は、極度方式基本契約を締結したときは、遅滞なく、内閣府令で定めるところにより、次に掲げる事項についてその極度方式基本契約の内容を明らかにする書面をその相手方に交付しなければならない。当該書面に記載した事項のうち、重要なものとして内閣府令で定めるものを変更したとき（当該相手方の利益の保護に支障を生ずることがないときとして内閣府令で定めるときを除く。）も、同様とする。

(2)When a Money Lender has concluded a Basic Contract for a Revolving Credit Loan, pursuant to the provisions of a Cabinet Office Order, the Money Lender must deliver documents disclosing the details of the relevant Basic Contract for the Revolving Credit Loan and must state the following matters to the counterparty thereto without delay. The same applies to cases where a Money Lender has changed any description stated therein with regard to important matters as provided by a Cabinet Office Order (excluding cases specified by a Cabinet Office Order as being unlikely to hinder the protection of the counterparty's interests):

３貸金業者は、貸付けに係る契約について保証契約を締結したときは、遅滞なく、内閣府令で定めるところにより、当該保証契約の内容を明らかにする事項で第十六条の二第三項各号に掲げる事項（一定の範囲に属する不特定の貸付けに係る債務を主たる債務とする保証契約にあつては、同項第三号に掲げる事項を除く。）その他の内閣府令で定めるものを記載した書面を当該保証契約の保証人に交付しなければならない。当該書面に記載した事項のうち、重要なものとして内閣府令で定めるものを変更したときも、同様とする。

(3)When a Money Lender has concluded a guarantee contract for a loan contract, the Money Lender, pursuant to the provisions of a Cabinet Office Order, must deliver a document containing the matters set forth in the items of Article 16-2, paragraph (3) which discloses the details of the relevant guarantee contract (in cases of a guarantee contract the principal obligation of which is the obligation of one or more unidentified loans within a certain scope, the matters listed in item (iii) of that paragraph are to be excluded) and other matters specified by a Cabinet Office Order to the guarantor of the relevant guarantee contract without delay. The same applies when the Money Lender has changed any description of an important matter as provided by a Cabinet Office Order stated in the relevant document.

４貸金業者は、貸付けに係る契約について保証契約を締結したとき、又は貸付けに係る契約で保証契約に係るものを締結したときは、遅滞なく、内閣府令で定めるところにより、第一項各号に掲げる事項についてこれらの貸付けに係る契約の内容を明らかにする書面をこれらの保証契約の保証人に交付しなければならない。当該書面に記載した事項のうち、重要なものとして内閣府令で定めるものを変更したときも、同様とする。

(4)When a Money Lender has concluded a guarantee contract for a loan contract or has concluded a loan contract pertaining to a guarantee contract, the Money Lender, pursuant to the provisions of a Cabinet Office Order, must deliver documents containing the matters listed in the items of paragraph (1) which disclose the details of the relevant loan contract to the guarantor under the guarantee contract without delay. The same applies to cases where the Money Lender has changed any descriptions stated therein with regard to important matters as provided by a Cabinet Office Order.

５貸金業者は、極度方式保証契約を締結したときは、遅滞なく、内閣府令で定めるところにより、第二項各号に掲げる事項について当該極度方式保証契約に係る極度方式基本契約の内容を明らかにする書面を当該極度方式保証契約の保証人に交付しなければならない。当該書面に記載した事項のうち、重要なものとして内閣府令で定めるものを変更したとき（当該保証人の利益の保護に支障を生ずることがないときとして内閣府令で定めるときを除く。）も、同様とする。

(5)When a Money Lender has concluded a contract for a Revolving Guarantee, the Money Lender, pursuant to the provisions of a Cabinet Office Order, must deliver documents containing the matters set forth in the items of paragraph (2) which disclose the details of the Basic Contract for the Revolving Credit Loan pertaining to the contract for the relevant Revolving Guarantee to the guarantor thereunder without delay. The same applies to cases where the Money Lender has changed any descriptions stated therein with regard to important matters as specified by a Cabinet Office Order (excluding cases specified by a Cabinet Office Order as being unlikely to hinder the protection of interests of the relevant guarantor).

６貸金業者は、極度方式貸付けに係る契約を締結した場合において、その相手方又は当該契約の基本となる極度方式基本契約に係る極度方式保証契約の保証人に対し、これらの者の承諾を得て、内閣府令で定めるところにより、一定期間における貸付け及び弁済その他の取引の状況を記載した書面として内閣府令で定めるものを交付するときは、第一項前段又は第四項前段の規定による書面の交付に代えて、次に掲げる事項を記載した書面をこれらの者に交付することができる。この場合において、貸金業者は、第一項前段又は第四項前段の規定による書面の交付を行つたものとみなす。

(6)When a Money Lender has concluded a contract for a Revolving Credit Loan and where they intend to deliver a document containing the status of the Loan, performance, or other transactions made within a certain period as provided by a Cabinet Office Order to the counterparty to the relevant contract for the Revolving Credit Loan or to the guarantor of the Contract for the Revolving Guarantee pertaining to the Basic Contract for the Revolving Credit Loan which forms the basis for the relevant contract for the Revolving Credit Loan with the consent of the person pursuant to the provisions of a Cabinet Office Order, the Money Lender may deliver to the person documents containing the following matters in lieu of delivering the documents under the first sentence of paragraph (1) or the first sentence of paragraph (4).In this case, the Money Lender is deemed to have conducted the delivery of documents under the first sentence of paragraph (1) or the first sentence of paragraph (4):

７貸金業者は、第一項から第五項までの規定による書面の交付又は前項の内閣府令で定める書面の交付若しくは同項の規定により第一項前段若しくは第四項前段の規定による書面の交付に代えて交付する書面の交付に代えて、政令で定めるところにより、当該貸付けに係る契約又は保証契約の相手方の承諾を得て、前各項に規定する事項又は前項の内閣府令で定める書面に記載すべき事項を電磁的方法により提供することができる。この場合において、貸金業者は、これらの書面の交付を行つたものとみなす。

(7)A Money Lender may, in lieu of delivering documents under the provisions of paragraph (1) through paragraph (5), delivering documents specified by a Cabinet Office Order under the preceding paragraph, or delivering documents in lieu of delivering them under the first sentence of paragraph (1) or the first sentence of paragraph (4) as provided in the preceding paragraph, pursuant to the provisions of a Cabinet Order, provide the matters specified in the preceding paragraphs or the matters to be stated in the documents as specified by a Cabinet Office Order under the preceding paragraph by way of electronic or magnetic means, with the consent of the counterparty to the relevant loan contract or guarantee contract.In this case, the Money Lender is deemed to have delivered these documents.

第十八条貸金業者は、貸付けの契約に基づく債権の全部又は一部について弁済を受けたときは、その都度、直ちに、内閣府令で定めるところにより、次に掲げる事項を記載した書面を当該弁済をした者に交付しなければならない。

Article 18(1)Upon receiving performance of all or part of their claim under a Contract for a Loan, a Money Lender must deliver to the person who has made performance, a document containing the following matters immediately after each instance in which they have received performance, pursuant to the provisions of a Cabinet Office Order:

２前項の規定は、預金又は貯金の口座に対する払込みその他内閣府令で定める方法により弁済を受ける場合にあつては、当該弁済をした者の請求があつた場合に限り、適用する。

(2)The preceding paragraph applies to cases where performance is made by means of payment into a deposit or savings account or by other methods specified by a Cabinet Office Order, only when requested by the person who has made performance.

３貸金業者は、極度方式貸付けに係る契約又は当該契約の基本となる極度方式基本契約に係る極度方式保証契約に基づく債権の全部又は一部について弁済を受けた場合において、当該弁済をした者に対し、その者の承諾を得て、内閣府令で定めるところにより、一定期間における貸付け及び弁済その他の取引の状況を記載した書面として内閣府令で定めるものを交付するときは、第一項の規定による書面の交付に代えて、次に掲げる事項を記載した書面をその者に交付することができる。この場合において、貸金業者は、当該書面の交付を行つたものとみなす。

(3)A Money Lender may, upon receiving performance of all or part of their claim under a contract for a Revolving Credit Loan or under a Contract for a Revolving Guarantee concluded pertaining to the Basic Contract for a Revolving Credit Loan under which the relevant contract for the Revolving Credit Loan was concluded, deliver a document containing the following matters in lieu of the document required under paragraph (1), if the Money Lender delivers to the person who has made performance a document specified by a Cabinet Office Order as one that contains the details of the Loan provided and performance made in a specified period of time and other matters pertaining to transactions with the consent of the person and pursuant to the provisions of a Cabinet Office Order.In this case, the Money Lender is deemed to have delivered the document required under the paragraph (1):

４貸金業者は、第一項に規定する書面の交付又は前項の内閣府令で定める書面の交付若しくは同項の規定により第一項の規定による書面の交付に代えて交付する書面の交付に代えて、政令で定めるところにより、同項又は前項に規定する弁済をした者の承諾を得て、第一項若しくは前項に規定する事項又は同項の内閣府令で定める書面に記載すべき事項を電磁的方法により提供することができる。この場合において、貸金業者は、これらの書面の交付を行つたものとみなす。

(4)A Money Lender may provide the matters specified in paragraph (1) or the preceding paragraph or the matters to be contained in the document specified by a Cabinet Office Order referred to in the preceding paragraph by electronic or magnetic means, in lieu of delivery of the document required by paragraph (1), the document specified by a Cabinet Office Order referred to in the preceding paragraph, or the document to be delivered in lieu of the document required by paragraph (1) under the preceding paragraph, with the consent of the person who has made performance under paragraph (1) or the preceding paragraph and pursuant to the provisions of a Cabinet Order.In this case, the Money Lender is deemed to have delivered these documents.

第十九条貸金業者は、内閣府令で定めるところにより、その営業所又は事務所ごとに、その業務に関する帳簿を備え、債務者ごとに貸付けの契約について契約年月日、貸付けの金額、受領金額その他内閣府令で定める事項を記載し、これを保存しなければならない。

Article 19A Money Lender, pursuant to the provisions of a Cabinet Office Order, must prepare and preserve books on its business for each business office or other office, containing information on the Contracts for the Loans with each obligor such as the date of the contract, the amount of the Loan, the amount received, and other matters specified by a Cabinet Office Order.

第十九条の二債務者等又は債務者等であつた者その他内閣府令で定める者は、貸金業者に対し、内閣府令で定めるところにより、前条の帳簿（利害関係がある部分に限る。）の閲覧又は謄写を請求することができる。この場合において、貸金業者は、当該請求が当該請求を行つた者の権利の行使に関する調査を目的とするものでないことが明らかであるときを除き、当該請求を拒むことができない。

Article 19-2An Obligor, etc. or a person who formerly was an Obligor, etc. and any other person specified by a Cabinet Office Order may make a request of the Money Lender for the inspection or copying of the books provided in the preceding Article (limited to the part regarding which the relevant persons have interests), pursuant to the provisions of a Cabinet Office Order.In this case, the Money Lender must not refuse such a request unless it is clear that the purpose thereof is not to investigate matters concerning the exercise of rights of the person who has made that request.

第二十条貸金業を営む者は、貸付けの契約について、債務者等から、当該債務者等が特定公正証書（債務者等が貸付けの契約に基づく債務の不履行の場合に直ちに強制執行に服する旨の陳述が記載された公正証書をいう。以下この条において同じ。）の作成を公証人に嘱託することを代理人に委任することを証する書面を取得してはならない。

Article 20(1)Persons who engage in the Money Lending Business must not obtain from the Obligor, etc. documents proving that the Obligor, etc. has delegated to an agent the authority to commission a notary to prepare Specified Notarized Deeds with regard to a Contract for a Loan (meaning notarized deeds containing statements to the effect that in case of the Obligor's default under the Contract for the Loan, they immediately are subject to compulsory execution; hereinafter the same applies in this Article).

２貸金業を営む者は、貸付けの契約について、債務者等が特定公正証書の作成を公証人に嘱託することを代理人に委任する場合には、当該代理人の選任に関し推薦その他これに類する関与をしてはならない。

(2)Persons who engage in the Money Lending Business, when the Obligor, etc. delegates to an agent the authority to commission a notary to prepare a Specified Notarized Deed for a Contract for a Loan, must refrain from any involvement in appointment of the relevant agent, such as recommendations on the selection thereof or any act similar thereto.

３貸金業者は、貸付けの契約について、特定公正証書の作成を公証人に嘱託する場合には、あらかじめ（当該貸付けの契約に係る資金需要者等との間で特定公正証書の作成を公証人に嘱託する旨を約する契約を締結する場合にあつては、当該契約を締結するまでに）、内閣府令で定めるところにより、債務者等となるべき資金需要者等に対し、次に掲げる事項について書面を交付して説明しなければならない。

(3)When commissioning a notary to prepare a Specified Notarized Deed for the Contract for a Loan, a Money Lender must deliver and explain documents containing the following matters to the Person Seeking Funds, etc. who is to be the Obligor, etc. in advance (if the Money Lender concludes a contract promising to commission a notary to prepare Specified Notarized Deeds with the Person Seeking Funds, etc. concerned with the Contract for a Loan, by the time of concluding the contract), pursuant to the provisions of a Cabinet Office Order:

第二十条の二貸金業を営む者は、貸付けの契約について、公的給付（法令の規定に基づき国又は地方公共団体がその給付に要する費用又はその給付の事業に関する事務に要する費用の全部又は一部を負担し、又は補助することとされている給付（給与その他対価の性質を有するものを除く。）であつて、法令の規定により譲り渡し、担保に供し、又は差し押さえることができないこととされているものをいう。以下同じ。）がその受給権者である債務者等又は債務者等の親族その他の者（以下この条において「特定受給権者」という。）の預金又は貯金の口座に払い込まれた場合に当該預金又は貯金の口座に係る資金から当該貸付けの契約に基づく債権の弁済を受けることを目的として、次に掲げる行為をしてはならない。

Article 20-2A person who engages in the Money Lending Business must not conduct the following acts for the purpose of receiving performance of claims under a Contract for a Loan from the funds in a deposit or savings account of the Obligor, etc., relatives of the Obligor, etc., or any other person who is the beneficiary of Public Benefits (meaning benefits which, pursuant to the provisions of laws and regulations, the State or local public entities bear or subsidize all or part of the costs necessary for paying or necessary for the affairs related to the service of Public Benefits (excluding salaries and other payments which have the nature of a consideration) and which may not be transferred, used as securities, or attached pursuant to the provisions of laws and regulations; the same applies hereinafter) (hereinafter the persons are to collectively be referred to as "Specified Beneficiaries" in this Article) when that Public Benefits are paid into that account:

第二十一条貸金業を営む者又は貸金業を営む者の貸付けの契約に基づく債権の取立てについて貸金業を営む者その他の者から委託を受けた者は、貸付けの契約に基づく債権の取立てをするに当たつて、人を威迫し、又は次に掲げる言動その他の人の私生活若しくは業務の平穏を害するような言動をしてはならない。

Article 21(1)Persons who engage in the Money Lending Business or persons who have been entrusted by a person who engages in the Money Lending Business or by any other person with the collection of claims under the Contract for a Loan pertaining to the persons engaging in the Money Lending Business, in collecting claims under the Contract for the Loan, intimidate persons, must not act in any of the following ways, or act in any way which may harm the tranquility of a person's personal life or business operations:

２貸金業を営む者又は貸金業を営む者の貸付けの契約に基づく債権の取立てについて貸金業を営む者その他の者から委託を受けた者は、債務者等に対し、支払を催告するために書面又はこれに代わる電磁的記録を送付するときは、内閣府令で定めるところにより、これに次に掲げる事項を記載し、又は記録しなければならない。

(2)Persons who engage in the Money Lending Business or persons who have been entrusted by persons who engage in Money Lending Business or by any other person with the collection of claims under the Contract for a Loan of a person engaging in the Money Lending Business, when they intend to send documents or electronic or magnetic records in lieu of the documents to the Obligor, etc. to demand payment therefrom, must have the following matters contained or recorded therein, pursuant to the provisions of a Cabinet Office Order:

３前項に定めるもののほか、貸金業を営む者又は貸金業を営む者の貸付けの契約に基づく債権の取立てについて貸金業を営む者その他の者から委託を受けた者は、貸付けの契約に基づく債権の取立てをするに当たり、相手方の請求があつたときは、貸金業を営む者の商号、名称又は氏名及びその取立てを行う者の氏名その他内閣府令で定める事項を、内閣府令で定める方法により、その相手方に明らかにしなければならない。

(3)Beyond what is provided in the preceding paragraph, persons who engage in the Money Lending Business or persons who have been entrusted by a person engaging in the Money Lending Business or by any other person with the collection of claims under the Contract for a Loan of a person who engages in Money Lending Business, in collecting claims under the Contract for a Loan and in response to a request from the counterparty to the Contract for a Loan, must disclose the trade name and name of the person who engages in the Money Lending Business, the name of the person conducting the collection of claims, and other matters provided by a Cabinet Office Order to the counterparty by methods specified by a Cabinet Office Order.

第二十二条貸金業者は、貸付けの契約に基づく債権についてその全部の弁済を受けた場合において当該債権の証書を有するときは、遅滞なく、これをその弁済をした者に返還しなければならない。

Article 22If a Money Lender has received full performance of claims under the Contract for a Loan and holds deeds to the claims, the Money Lender must return them without delay to the person who has made the performance.

第二十三条貸金業者は、営業所又は事務所ごとに、公衆の見やすい場所に、内閣府令で定める様式の標識を掲示しなければならない。

Article 23A Money Lender must post a sign in the format specified by a Cabinet Office Order in a place accessible to the public at each of its business offices or other offices.

第二十四条貸金業者は、貸付けに係る契約に基づく債権を他人に譲渡するに当たつては、その者に対し、当該債権が貸金業者の貸付けに係る契約に基づいて発生したことその他内閣府令で定める事項並びにその者が当該債権に係る貸付けの契約に基づく債権に関してする行為について第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の六の十並びにこの項の規定（抵当証券法（昭和六年法律第十五号）第一条第一項に規定する抵当証券に記載された債権については第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除き、これらの規定に係る罰則を含む。）の適用がある旨を、内閣府令で定める方法により、通知しなければならない。

Article 24(1)A Money Lender in assigning the claims under the loan contract to any other person, must notify the person that the relevant claims have accrued under the Money Lender's loan contract, other matters specified by a Cabinet Office Order, and to the effect that the provisions of Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-6-10, and this paragraph apply (excluding, with regard to claims contained in mortgage securities as prescribed in Article 1, paragraph (1) of the Mortgage Securities Act (Act No. 15 of 1931), the provisions of Article 16-2, paragraph (3) and paragraph (4) and Article 17 (excluding paragraph (6)), and including the penal provisions pertaining thereto) to acts conducted by the relevant persons in relation to the claims under the Contract for a Loan pertaining to the relevant claims, by a method specified by a Cabinet Office Order.

２第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の六の十並びに前項の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については、第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除く。）は、貸金業者の貸付けに係る契約に基づく債権の譲渡があつた場合における当該債権を譲り受けた者について準用する。この場合において、第二十四条の六の十第一項から第四項までの規定中「内閣総理大臣又は都道府県知事」とあるのは「都道府県知事」と、同条第一項中「その登録を受けた貸金業者」とあるのは「貸金業者の貸付けに係る契約に基づく債権を譲り受けた者で当該都道府県の区域内に営業所又は事務所（営業所又は事務所を有しない者にあつては、住所又は居所。以下この条において同じ。）を有するもの」と、同条第二項中「その登録を受けた貸金業者の貸付けに係る契約」とあるのは「貸金業者の貸付けに係る契約に基づく債権を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該債権」と、同条第三項中「その登録を受けた貸金業者」とあるのは「貸金業者の貸付けに係る契約に基づく債権を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）」と、同条第四項中「その登録を受けた貸金業者の貸付けに係る契約」とあるのは「貸金業者の貸付けに係る契約に基づく債権を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該債権」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

(2)When a claim under a Money Lender's loan contract has been assigned, the provisions of Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-6-10, and the preceding paragraph (excluding, with regard to claims contained in mortgage securities as prescribed in Article 1, paragraph (1) of the Mortgage Securities Act, Article 16-2, paragraph (3) and paragraph (4) and Article 17 (excluding paragraph (6))) apply mutatis mutandis to an assignee of the claim.In this case, the term "the Prime Minister or prefectural governor" in Article 24-6-10, paragraph (1) through paragraph (4) is deemed to be replaced with "the prefectural governor," the term "a Money Lender registered thereby" in paragraph (1) of that Article is deemed to be replaced with "an assignee of claims under the Money Lender's loan contract who has a business office or other office within the relevant prefectural area (if the person has no business office or other office, their domicile or residence; hereinafter the same applies in this Article)," the term "Money Lender's loan contract registered by the Prime Minister or prefectural governor" in paragraph (2) of that Article is deemed to be replaced with "the claims of an assignee of claims under the Money Lender's loan contract (limited to persons who have business offices or other offices within the relevant prefectural area)," the term "a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (3) of that Article is deemed to be replaced with "an assignee of claims under the Money Lender's loan contract (limited to those who have business offices or other offices within the relevant prefectural area)," the term "the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (4) is deemed to be replaced with "the claims of an assignee of claims under the Money Lender's loan contract (limited to those who have business offices or other offices within the relevant prefectural area)," and any other necessary technical replacement of terms are to be specified by Cabinet Order.

３貸金業者は、貸付けの契約に基づく債権の譲渡又は取立ての委託（以下「債権譲渡等」という。）をしようとする場合において、その相手方が次の各号のいずれかに該当する者（以下この項において「取立て制限者」という。）であることを知り、若しくは知ることができるとき、又は当該債権譲渡等の後取立て制限者が当該債権の債権譲渡等を受けることを知り、若しくは知ることができるときは、当該債権譲渡等をしてはならない。

(3)Where a Money Lender intends to assign claims under a loan contract or entrust the collection thereof (hereinafter collectively referred to as "Assignment, etc. of Claims") and comes to know or is capable of knowing that the other party to the assignment or entrustment falls under the category of a person listed in any of the following items (hereinafter referred to as a "Person Restricted from Collecting Claims" in this paragraph), or comes to know or is capable of knowing that a Person Restricted from Collecting Claims will accept the Assignment, etc. of Claims after the first Assignment, etc. of Claims, the Money Lender must not make Assignment, etc. of the Claims:

４貸金業者は、政令で定める密接な関係を有する者に貸付けの契約に基づく債権の債権譲渡等をしたときは、その相手方が当該債権の取立てに当たり第二十一条第一項（第二項において準用する場合を含む。）の規定に違反し、又は刑法若しくは暴力行為等処罰に関する法律の罪を犯さないように、相当の注意を払わなければならない。

(4)When a Money Lender has made an Assignment, etc. of the Claims under the Contract for a Loan to a person with whom they have a close relationship as provided by a Cabinet Order, a Money Lender must exercise due diligence to prevent the other party from violating the provisions of Article 21, paragraph (1) (including the cases where it is applied mutatis mutandis pursuant to paragraph (2)) or from committing a crime prescribed in the Penal Code or the Act on Punishment of Violence and Other Acts in the course of collecting claims.

第二十四条の二貸金業者は、保証業者と貸付けに係る契約について保証契約を締結するに当たつては、その保証業者に対し、その保証業者が当該保証契約に関してする行為について第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の四第一項並びに第二十四条の六の十の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除き、これらの規定に係る罰則を含む。）の適用がある旨を、内閣府令で定める方法により、通知しなければならない。

Article 24-2(1)A Money Lender, in concluding a guarantee contract in relation to a loan contract with a Guarantee Business Operator, notify the relevant Guarantee Business Operator to the effect that the provisions of Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-4, paragraph (1) and Article 24-6-10, paragraph (excluding, with regard to claims contained in mortgage securities prescribed in Article 1, paragraph (1) of the Mortgage Securities Act, the provisions of Article 16-2, paragraph (3) and paragraph (4) and Article 17 (excluding paragraph (6)), and including the penal provisions pertaining thereto) apply to the acts conducted by the Guarantee Business Operator in relation to the guarantee contract, by a method specified by a Cabinet Office Order.

２第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで並びに第二十四条の六の十の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については、第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除く。）は、保証業者が貸金業者との間でその貸付けに係る契約についてした保証に基づく求償権、当該貸金業者の当該貸付けに係る契約若しくはその保証契約に基づく債務の弁済に係る求償権若しくは当該弁済による代位に係る債権又はこれらの保証債権（第二十四条の六を除き、以下「保証等に係る求償権等」という。）を取得した場合における当該保証等に係る求償権等を取得した保証業者について準用する。この場合において、第二十四条の六の十第一項から第四項までの規定中「内閣総理大臣又は都道府県知事」とあるのは「都道府県知事」と、同条第一項中「その登録を受けた貸金業者」とあるのは「保証等に係る求償権等を取得した保証業者で当該都道府県の区域内に営業所又は事務所（営業所又は事務所を有しない者にあつては、住所又は居所。以下この条において同じ。）を有するもの」と、同条第二項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「保証等に係る求償権等を取得した保証業者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該保証等に係る求償権等に係る」と、同条第三項中「その登録を受けた貸金業者」とあるのは「保証等に係る求償権等を取得した保証業者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）」と、同条第四項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「保証等に係る求償権等を取得した保証業者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該保証等に係る求償権等に係る」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

(2)Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-6-10, paragraph (excluding, with regard to claims contained in mortgage securities provided in Article 1, paragraph (1) of the Mortgage Securities Act, Article 16-2, paragraph (3) and paragraph (4), and Article 17 (excluding paragraph (6))) apply mutatis mutandis to a Guarantee Business Operator which has acquired a Right to Reimbursement under the guarantee which the Guarantee Business Operator has provided to the Money Lender in relation to the Money Lender's loan contract, Right to Reimbursement pertaining to the performance of obligations under the Money Lender's loan contract, or the guarantee contract therefor, claims related to subrogation by that performance, or guarantee claims related thereto (hereinafter collectively referred to as the "Right to Reimbursement Pertaining to a Guarantee, etc.," except in Article 24-6).In this case, the term "the Prime Minister or prefectural governor" in paragraph (1) through paragraph (4) of Article 24-6-10 is deemed to be replaced with "the prefectural governor," the term "a Money Lender registered thereby" in paragraph (1) of that Article is deemed to be replaced with "a Guarantee Business Operator who has acquired the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. and who has a business office or other office within the relevant prefectural area (with regard to a person who do not have a business office or other office, their domicile or residence; hereinafter the same applies in this Article)," the term "with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (2) of that Article is deemed to be replaced with "related to the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. which has been acquired by the Guarantee Business Operator (limited to those who have business offices or other offices within the relevant prefectural area)," the term "a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (3) of that Article is deemed to be replaced with "a Guarantee Business Operator who has acquired the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. (limited to those who have business offices or other offices within the relevant prefectural area)," the term "with respect to a loan contract made by a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (4) of that Article is deemed to be replaced with "related to the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. which has been acquired by the Guarantee Business Operator (limited to those who have business offices or other offices within the relevant prefectural area)," and any other necessary technical replacement of terms are specified by a Cabinet Order.

３貸金業者は、保証業者と貸付けに係る契約について保証契約を締結しようとする場合において、その保証業者が次の各号のいずれかに該当する者（以下この項において「取立て制限者」という。）であることを知り、若しくは知ることができるとき、又は当該保証契約の締結の後取立て制限者が当該保証等に係る求償権等の債権譲渡等を受けることを知り、若しくは知ることができるときは、当該保証契約の締結をしてはならない。

(3)Where a Money Lender intends to conclude a guarantee contract for a loan contract with a Guarantee Business Operator and comes to know or is capable of knowing that the Guarantee Business Operator falls under any of the following items (hereinafter referred to as a "Person Restricted from Collecting Claims" in this paragraph) or comes to know or is capable of knowing that a Person Restricted from Collecting Claims will accept an Assignment, etc. of Claims related to the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. after the conclusion of the relevant guarantee contract, the Money Lender must not conclude the guarantee contract:

４貸金業者は、政令で定める密接な関係を有する保証業者と貸付けに係る契約について保証契約を締結したときは、その保証業者が保証等に係る求償権等の取立てに当たり第二項において準用する第二十一条第一項の規定に違反し、又は刑法若しくは暴力行為等処罰に関する法律の罪を犯さないように、相当の注意を払わなければならない。

(4)When a Money Lender has concluded a guarantee contract for a loan contract with a Guarantee Business Operator with whom they have a close relationship as provided by a Cabinet Order, a Money Lender must exercise due diligence to prevent the Guarantee Business Operator from violating the provisions of Article 21, paragraph (1) as applied mutatis mutandis pursuant to paragraph (2) or from committing a crime prescribed in the Penal Code or the Act on Punishment of Violence and Other Acts in the course of conducting collection with regard to the Right to Reimbursement, etc. Pertaining to a Guarantee, etc.

第二十四条の三貸金業者は、貸金業者の貸付けの契約に基づく債務の弁済を他人に委託するに当たつては、前条第一項の規定の適用がある場合を除き、その者に対し、その者が当該弁済に関してする行為について第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の五第一項並びに第二十四条の六の十の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除き、これらの規定に係る罰則を含む。）の適用がある旨を、内閣府令で定める方法により、通知しなければならない。

Article 24-3(1)When a Money Lender entrusts to any other person performance of obligations under the Money Lender's Contract for a Loan, except if paragraph (1) of the preceding Article applies, notify that person to the effect that Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-5, paragraph (1), and Article 24-6-10, paragraph (excluding, with regard to claims contained in mortgage securities provided in Article 1, paragraph (1) of the Mortgage Securities Act, the provisions of Article 16-2, paragraph (3) and paragraph (4), and Article 17 (excluding paragraph (6)), and including the penal provisions pertaining thereto) apply to acts conducted by the relevant person in relation to the relevant performance, in a manner specified by a Cabinet Office Order.

２第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで並びに第二十四条の六の十の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については、第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除く。）は、貸金業者の委託を受けて当該貸金業者の貸付けの契約に基づく債務の弁済をした者が当該債務の弁済に係る求償権若しくは当該弁済による代位に係る債権又はこれらの保証債権（第二十四条の六を除き、以下「受託弁済に係る求償権等」という。）を取得した場合における当該弁済をした者（当該貸付けの契約に係る保証等に係る求償権等を取得した保証業者を除く。以下「受託弁済者」という。）について準用する。この場合において、第二十四条の六の十第一項から第四項までの規定中「内閣総理大臣又は都道府県知事」とあるのは「都道府県知事」と、同条第一項中「その登録を受けた貸金業者」とあるのは「受託弁済者で当該都道府県の区域内に営業所又は事務所（営業所又は事務所を有しない者にあつては、住所又は居所。以下この条において同じ。）を有するもの」と、同条第二項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「受託弁済者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該受託弁済に係る求償権等に係る」と、同条第三項中「その登録を受けた貸金業者」とあるのは「受託弁済者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）」と、同条第四項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「受託弁済者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該受託弁済に係る求償権等に係る」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

(2)Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, and Article 24-6-10, paragraph (excluding, with regard to claims contained in mortgage securities provided in Article 1, paragraph (1) of the Mortgage Securities Act, the provisions of Article 16-2, paragraph (3) and paragraph (4) and Article 17 (excluding paragraph (6))) apply mutatis mutandis to a person who has made performance of obligations under the Money Lender's Contract for a Loan as entrusted by the Money Lender, where the relevant person has acquired a Right to Reimbursement pertaining to performance of the obligations or claims related to subrogation by performance or guarantee claims related thereto (hereinafter collectively referred to as "Right to Reimbursement, etc. Pertaining to Performance under Entrustment" except in Article 24-6) (excluding a Guarantee Business Operator who has acquired the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. on the Contract for a Loan; hereinafter referred to as a "Person Entrusted With Performance").In this case, the term "the Prime Minister or prefectural governor" in Article 24-6-10, paragraph (1) through paragraph (4) is deemed to be replaced with "the prefectural governor," the term "a Money Lender registered thereby" in paragraph (1) of that Article is deemed to be replaced with "a Person Entrusted With Performance who has a business office or other office within the relevant prefectural area (with regard to a person who does not have a business office or other office, his/her domicile or residence; hereinafter the same applies in this Article)," the term "with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (2) of that Article is deemed to be replaced with "with regard to the Right to Reimbursement, etc. Pertaining to Performance under Entrustment held by the Person Entrusted With Performance (limited to those who have business offices or other offices within the relevant prefectural area)," the term "a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (3) of that Article is deemed to be replaced with "a Person Entrusted With Performance (limited to those who have business offices or other offices within the relevant prefectural area)," the term "with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (4) of that Article is deemed to be replaced with "with regard to the Right to Reimbursement, etc. Pertaining to Performance under Entrustment held by the Person Entrusted With Performance (limited to those who have business offices or other offices within the relevant prefectural area)," and any other necessary technical replacement of terms are to be specified by a Cabinet Order.

３貸金業者は、貸付けの契約に基づく債務の弁済を他人に委託しようとする場合において、その相手方が次の各号のいずれかに該当する者（以下この項において「取立て制限者」という。）であることを知り、若しくは知ることができるとき、又は当該弁済の後取立て制限者が当該受託弁済に係る求償権等の債権譲渡等を受けることを知り、若しくは知ることができるときは、当該弁済の委託をしてはならない。

(3)Where a Money Lender intends to entrust to any other person the performance of obligations under the Contract for a Loan and comes to know or is capable of knowing that the other party falls under any of the following items (hereinafter referred to as a "Person Restricted from Collecting Claims" in this paragraph) or they come to know or is capable of knowing that a Person Restricted from Collecting Claims will accept the Assignment, etc. of Claims with regard to the Right to Reimbursement, etc. Pertaining to Performance under Entrustment after the relevant performance, the Money Lender must not entrust the relevant performance:

４貸金業者は、政令で定める密接な関係を有する者に貸付けの契約に基づく債務の弁済を委託したときは、その者が受託弁済に係る求償権等の取立てに当たり第二項において準用する第二十一条第一項の規定に違反し、又は刑法若しくは暴力行為等処罰に関する法律の罪を犯さないように、相当の注意を払わなければならない。

(4)When a Money Lender has entrusted the performance of obligations under the Contract for a Loan to a person with whom they have a close relationship as provided by a Cabinet Order, a Money Lender must exercise due diligence to prevent the Person Entrusted With Performance from violating the provisions of Article 21, paragraph (1) as applied mutatis mutandis pursuant to paragraph (2) or from committing a crime prescribed in the provisions of Penal Code or the Act on Punishment of Violence and Other Acts in the course of conducting collection with regard to the Right to Reimbursement, etc. Pertaining to Performance under Entrustment.

第二十四条の四保証業者は、保証等に係る求償権等を他人に譲渡するに当たつては、その者に対し、当該保証等に係る求償権等が貸金業者の貸付けに係る契約に係る保証により発生したことその他の内閣府令で定める事項並びにその者が当該保証等に係る求償権等に関してする行為について第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の六の十並びにこの項の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除き、これらの規定に係る罰則を含む。）の適用がある旨を、内閣府令で定める方法により、通知しなければならない。

Article 24-4(1)A Guarantee Business Operator, in assigning to others the Right to Reimbursement, etc. Pertaining to a Guarantee, etc., must notify that other person that the Right to Reimbursement Pertaining to the Guarantee, etc. has accrued from the guarantee pertaining to the Money Lender's Contract for a Loan, other matters prescribed by a Cabinet Office Order, and to the effect that the provisions of Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-6-10, and this paragraph (with regard to claims contained in mortgage securities as provided in Article 1, paragraph (1) of the Mortgage Securities Act, Article 16-2, paragraph (3) and paragraph (4), and Article 17 (excluding paragraph (6)) are excluded, and the penal provisions pertaining thereto are included) apply to acts conducted by the relevant person in relation to the Right to Reimbursement, etc. Pertaining to the Guarantee, etc., by a method specified by a Cabinet Office Order.

２第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の六の十並びに前項の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については、第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除く。）は、保証等に係る求償権等の譲渡があつた場合における当該保証等に係る求償権等を譲り受けた者について準用する。この場合において、第二十四条の六の十第一項から第四項までの規定中「内閣総理大臣又は都道府県知事」とあるのは「都道府県知事」と、同条第一項中「その登録を受けた貸金業者」とあるのは「保証等に係る求償権等を譲り受けた者で当該都道府県の区域内に営業所又は事務所（営業所又は事務所を有しない者にあつては、住所又は居所。以下この条において同じ。）を有するもの」と、同条第二項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「保証等に係る求償権等を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該保証等に係る求償権等に係る」と、同条第三項中「その登録を受けた貸金業者」とあるのは「保証等に係る求償権等を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）」と、同条第四項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「保証等に係る求償権等を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該保証等に係る求償権等に係る」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

(2)The provisions of Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-6-10 and the preceding paragraph (excluding, with regard to claims contained in mortgage securities provided in Article 1, paragraph (1) of the Mortgage Securities Act, Article 16-2, paragraph (3) and paragraph (4) and Article 17 (excluding paragraph (6))) apply mutatis mutandis to an assignee of the Right to Reimbursement, etc. Pertaining to Guarantee, etc. in the case of assignment thereof.In this case, the term "the Prime Minister or prefectural governor" in paragraph (1) through paragraph (4) of Article 24-6-10 is deemed to be replaced with "the prefectural governor," the term "a Money Lender registered thereby" in paragraph (1) of that Article is deemed to be replaced with "an assignee of the Right to Reimbursement Pertaining to a Guarantee, etc. who has a business office or other office within the relevant prefectural area (with regard to a person who does not have a business office or other office, their domicile or residence; hereinafter the same applies in this Article)," the term "with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (2) of that Article is deemed to be replaced with "with regard to the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. held by an assignee of the Right to Reimbursement, etc. Pertaining to the Guarantee, etc. (limited to those who have business offices or other offices within the relevant prefectural area)," the term "a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (3) of that Article is deemed to be replaced with "an assignee of the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. (limited to those who have business offices or other offices within the relevant prefectural area)," the term "with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (4) of that Article is deemed to be replaced with "with regard to the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. held by an assignee of the Right to Reimbursement, etc. Pertaining to the Guarantee, etc. (limited to those who have business offices or other offices within the relevant prefectural area)" and any other necessary technical replacement of terms are specified by a Cabinet Order.

第二十四条の五受託弁済者は、受託弁済に係る求償権等を他人に譲渡するに当たつては、その者に対し、当該受託弁済に係る求償権等が貸金業者の貸付けの契約に基づく債務の弁済により発生したことその他の内閣府令で定める事項並びにその者が当該受託弁済に係る求償権等に関してする行為について第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の六の十並びにこの項の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除き、これらの規定に係る罰則を含む。）の適用がある旨を、内閣府令で定める方法により、通知しなければならない。

Article 24-5(1)A Person Entrusted With Performance, in assigning to any other person the Right to Reimbursement, etc. Pertaining to Performance under Entrustment, must notify that other person that the Right to Reimbursement, etc. Pertaining to Performance under Entrustment has accrued from the performance of obligations under the Money Lender's Contract for a Loan, other matters provided by a Cabinet Office Order, and to the effect that Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-6-10, and this paragraph (with regard to claims contained in mortgage securities provided in Article 1, paragraph (1) of the Mortgage Securities Act, Article 16-2, paragraph (3) and paragraph (4), and Article 17 (excluding paragraph (6))are excluded and the penal provisions pertaining thereto are included) apply to acts conducted by the relevant person in relation to the Right to Reimbursement Pertaining to Performance under Entrustment, by a method specified by a Cabinet Office Order.

２第十二条の七、第十六条の二第三項及び第四項、第十六条の三、第十七条（第六項を除く。）、第十八条から第二十二条まで、第二十四条の六の十並びに前項の規定（抵当証券法第一条第一項に規定する抵当証券に記載された債権については、第十六条の二第三項及び第四項並びに第十七条（第六項を除く。）の規定を除く。）は、受託弁済に係る求償権等の譲渡があつた場合における当該受託弁済に係る求償権等を譲り受けた者について準用する。この場合において、第二十四条の六の十第一項から第四項までの規定中「内閣総理大臣又は都道府県知事」とあるのは「都道府県知事」と、同条第一項中「その登録を受けた貸金業者」とあるのは「受託弁済に係る求償権等を譲り受けた者で当該都道府県の区域内に営業所又は事務所（営業所又は事務所を有しない者にあつては、住所又は居所。以下この条において同じ。）を有するもの」と、同条第二項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「受託弁済に係る求償権等を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該受託弁済に係る求償権等に係る」と、同条第三項中「その登録を受けた貸金業者」とあるのは「受託弁済に係る求償権等を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）」と、同条第四項中「その登録を受けた貸金業者の貸付けに係る契約について」とあるのは「受託弁済に係る求償権等を譲り受けた者（当該都道府県の区域内に営業所又は事務所を有するものに限る。）の当該受託弁済に係る求償権等に係る」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

(2)Article 12-7, Article 16-2, paragraph (3) and paragraph (4), Article 16-3, Article 17 (excluding paragraph (6)), Article 18 through Article 22, Article 24-6-10, and the preceding paragraph (excluding, with regard to claims contained in mortgage securities provided in Article 1, paragraph (1) of the Mortgage Securities Act, Article 16-2, paragraph (3) and paragraph (4), and Article 17 (excluding paragraph (6))) apply mutatis mutandis to an assignee of the Right to Reimbursement, etc. Pertaining to Performance under Entrustment in the case of assignment thereof.In this case, the term "the Prime Minister or prefectural governor" in paragraph (1) through paragraph (4) of Article 24-6-10 is deemed to be replaced with "the prefectural governor," the term "a Money Lender registered thereby" in paragraph (1) of that Article is deemed to be replaced with "an assignee of the Right to Reimbursement Pertaining to Performance under Entrustment who has a business office or other office within the relevant prefectural area (with regard to a person who do not have a business office or other office, his/her domicile or residence; hereinafter the same applies in this Article)," the term "with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (2) of that Article is deemed to be replaced with "with regard to the Right to Reimbursement Pertaining to Performance under Entrustment held by an assignee thereof (limited to those who have business offices or other offices within the relevant prefectural area)," the term "a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (3) of that Article is deemed to be replaced with "an assignee of the Right to Reimbursement Pertaining to Performance under Entrustment (limited to those who have business offices or other offices within the relevant prefectural area)," the term "with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor" in paragraph (4) of that Article is deemed to be replaced with "with regard to the Right to Reimbursement Pertaining to Performance under Entrustment held by an assignee thereof (limited to those who have business offices or other offices within the relevant prefectural area)," and any other necessary technical replacement of terms are specified by a Cabinet Order.

第二十四条の六第二十四条第一項の規定は貸金業を営む者（貸金業者を除く。以下この条において同じ。）が貸付けに係る契約に基づく債権を他人に譲渡する場合について、第二十条第一項及び第二項、第二十条の二、第二十一条並びに第二十四条第一項の規定は貸金業を営む者の貸付けに係る契約に基づく債権の譲渡があつた場合における当該債権を譲り受けた者について、第二十四条の二第一項の規定は貸金業を営む者が保証業者と貸付けに係る契約について保証契約を締結する場合について、第二十条第一項及び第二項、第二十条の二並びに第二十一条の規定は保証業者が貸金業を営む者との間でその貸付けに係る契約についてした保証に基づく求償権、当該貸金業を営む者の当該貸付けに係る契約若しくはその保証契約に基づく債務の弁済に係る求償権若しくは当該弁済による代位に係る債権又はこれらの保証債権（以下この条において「保証等に係る求償権等」という。）を取得した場合における当該保証等に係る求償権等を取得した保証業者について、第二十四条の三第一項の規定は貸金業を営む者が貸付けの契約に基づく債務の弁済を他人に委託する場合について、第二十条第一項及び第二項、第二十条の二並びに第二十一条の規定は貸金業を営む者の委託を受けて当該貸金業を営む者の貸付けの契約に基づく債務の弁済をした者が当該債務の弁済に係る求償権若しくは当該弁済による代位に係る債権又はこれらの保証債権（以下この条において「受託弁済に係る求償権等」という。）を取得した場合（保証業者が当該貸付けの契約に係る保証等に係る求償権等を取得した場合を除く。）における当該弁済をした者について、第二十四条の四第一項の規定は保証業者が保証等に係る求償権等を他人に譲渡する場合について、第二十条第一項及び第二項、第二十条の二、第二十一条並びに第二十四条の四第一項の規定は保証等に係る求償権等の譲渡があつた場合における当該保証契約に係る求償権等を譲り受けた者について、前条第一項の規定は貸金業を営む者の委託を受けて当該貸金業を営む者の貸付けの契約に基づく債務の弁済をした者が受託弁済に係る求償権等（保証業者が取得した当該貸付けの契約に係る保証等に係る求償権等を除く。）を他人に譲渡する場合について、第二十条第一項及び第二項、第二十条の二、第二十一条並びに前条第一項の規定は受託弁済に係る求償権等の譲渡があつた場合における当該受託弁済に係る求償権等を譲り受けた者について、それぞれ準用する。この場合において、必要な技術的読替えは、政令で定める。

Article 24-6Article 24, paragraph (1) applies mutatis mutandis to cases where a person who engages in the Money Lending Business (excluding Money Lenders; hereinafter the same applies in this Article) assigns to any other person the claims under a loan contract; Article 20, paragraph (1) and paragraph (2), Article 20-2, Article 21, and Article 24, paragraph (1) apply mutatis mutandis to an assignee of the claims under the loan contract of a person who engages in the Money Lending Business in the case of assignment thereof; Article 24-2, paragraph (1) applies mutatis mutandis to cases where a person who engages in the Money Lending Business concludes a guarantee contract in relation to a loan contract with a Guarantee Business Operator; Article 20, paragraph (1) and paragraph (2), Article 20-2, and Article 21 apply mutatis mutandis to a Guarantee Business Operator who has acquired the Right to Reimbursement under a guarantee which the Guarantee Business Operator has provided to the person who engages in the Money Lending Business in relation to that person's loan contract, the Right to Reimbursement pertaining to the performance of obligations under the loan contract of the person who engages in the Money Lending Business or the guarantee contract therefor, claims related to the subrogation by that performance, or guarantee claims related thereto (hereinafter collectively referred to as the "Right to Reimbursement Pertaining to a Guarantee, etc." in this Article); Article 24-3, paragraph (1) applies mutatis mutandis to cases where a person who engages in the Money Lending Business entrusts to any other person the performance of obligations under the Contract for a Loan; Article 20, paragraph (1) and (2), Article 20-2, and Article 21 apply mutatis mutandis to a person who, based on entrustment from a person who engaged in the Money Lending Business, has made performance of the obligations under the Contract for a Loan of the relevant person who engages in the Money Lending Business and who has acquired the Right to Reimbursement pertaining to the performance of obligations or claims related to the subrogation by that performance, or guarantee claims related thereto (hereinafter referred to as the "Right to Reimbursement Pertaining to Performance under Entrustment" in this Article) (excluding the cases where a Guarantee Business Operator has acquired the Right to Reimbursement Pertaining to the Guarantee, etc. in relation to the Contract for a Loan); Article 24-4, paragraph (1) applies mutatis mutandis to cases where a Guarantee Business Operator assigns to any other person the Right to Reimbursement Pertaining to a Guarantee, etc.; Article 20, paragraph (1) and paragraph (2), Article 20-2, Article 21, and Article 24-4, paragraph (1) apply mutatis mutandis to an assignee of a Right to Reimbursement pertaining to a guarantee contract in the case of assignment of the Right to Reimbursement Pertaining to the Guarantee, etc.; paragraph (1) of the preceding Article applies mutatis mutandis to cases where a person who, based on entrustment from a person who engages in the Money Lending Business, has made performance of the obligations under the loan contract of the person who engages in the Money Lending Business, assigns to any other person the Right to Reimbursement, etc. Pertaining to Performance under Entrustment (excluding the Right to Reimbursement, etc. Pertaining to a Guarantee, etc. under the Contract for a Loan acquired by the Guarantee Business Operator); and Article 20, paragraph (1) and paragraph (2), Article 20-2, Article 21, and paragraph (1) of the preceding Article apply mutatis mutandis to the assignee of the Right to Reimbursement Pertaining to Performance under Entrustment in the case of assignment thereof.In this case, necessary technical replacement of terms are specified by a Cabinet Order.

第二十四条の六の二貸金業者は、次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨をその登録をした内閣総理大臣又は都道府県知事に届け出なければならない。

Article 24-6-2In any of the cases listed in the following items, as provided by a Cabinet Office Order, a Money Lender must notify the Prime Minister or prefectural governor who registered the Money Lender to that effect:

第二十四条の六の三内閣総理大臣又は都道府県知事は、その登録を受けた貸金業者の業務の運営に関し、資金需要者等の利益の保護を図るため必要があると認めるときは、当該貸金業者に対して、その必要の限度において、業務の方法の変更その他業務の運営の改善に必要な措置を命ずることができる。

Article 24-6-3(1)When the Prime Minister or prefectural governor finds, with regard to the management of business operations of a Money Lender registered thereby, that it is necessary for protecting the interests of Persons Seeking Funds, etc., within the extent necessary, they may order the Money Lender to change their operational methods or to take any other necessary measures for improving the management of the operations.

２内閣総理大臣は、その登録を受けた貸金業者が第十二条の三第四項、第十二条の六から第十二条の八まで又は第十三条から第二十二条までの規定（これらの規定に基づく命令の規定を含む。次項及び次条第三項において同じ。）に違反した場合（その違反行為に係る資金需要者等に個人（事業を営む場合におけるものを除く。次項、第二十四条の六の十一第二項及び第四十四条第三項において同じ。）が含まれる場合に限る。）において、前項の規定による命令をしようとするときは、あらかじめ、消費者庁長官に協議しなければならない。

(2)In cases when a Money Lender registered by the Prime Minister has violated (limited to cases where the Persons Seeking Funds, etc. pertaining to the violation include individuals (except when they engage in business; the same applies in the following paragraph, Article 24-6-11, paragraph (2), and Article 44, paragraph (3))) the provisions of Article 12-3, paragraph (4), Articles 12-6 through 12-8, or Articles 13 through 22 (including the provisions of orders based on these provisions; the same applies in the following paragraph and paragraph (3) of the following Article), if the Prime Minister intends to issue an order in accordance with the provisions of the preceding paragraph, they must consult with the Secretary-General of the Consumer Affairs Agency in advance.

３消費者庁長官は、個人である資金需要者等の利益の保護を図るため必要があると認めるときは、内閣総理大臣に対し、第一項の規定による命令（内閣総理大臣の登録を受けた貸金業者が第十二条の三第四項、第十二条の六から第十二条の八まで又は第十三条から第二十二条までの規定に違反した場合に限る。）に関し、必要な意見を述べることができる。

(3)When the Secretary-General of the Consumer Affairs Agency finds it necessary in order to protect the interests of Persons Seeking Funds, etc. who are individuals, may state an opinion concerning the order under paragraph (1) (limited to cases where a Money Lender registered by the Prime Minister has violated the provisions of Article 12-3, paragraph (4), Articles 12-6 through 12-8, or Articles 13 through 22), as necessary, to the Prime Minister.

第二十四条の六の四内閣総理大臣又は都道府県知事は、その登録を受けた貸金業者が次の各号のいずれかに該当する場合においては、当該貸金業者に対し登録を取り消し、又は一年以内の期間を定めて、その業務の全部若しくは一部の停止を命ずることができる。

Article 24-6-4(1)When a Money Lender registered thereby falls under any of the following items, the Prime Minister or prefectural governor may rescind the Money Lender's registration or order the suspension of the Money Lender's business operations in whole or in part, and may specify a period therefor of no longer than one year:

２内閣総理大臣又は都道府県知事は、その登録を受けた貸金業者の役員（業務を執行する社員、取締役、執行役、代表者、管理人又はこれらに準ずる者をいう。以下この項において同じ。）が、前項第二号から第十二号までのいずれかに該当することとなつたときは、当該貸金業者に対し当該役員の解任を命ずることができる。

(2)When an Officer (meaning a member in charge of executing business, the director, executive officer, representative person, administrator, or any other person equivalent thereto; hereinafter the same applies in this paragraph) of a Money Lender registered thereby has come to fall under any of item (ii) through item (xii) of the preceding paragraph, the Prime Minister or prefectural governor may order the Money Lender to dismiss the relevant Officer.

３前条第二項及び第三項の規定は、第一項の規定による処分（内閣総理大臣の登録を受けた貸金業者が第十二条の三第四項、第十二条の六から第十二条の八まで又は第十三条から第二十二条までの規定に違反した場合に限る。）について準用する。

(3)The provisions of paragraphs (2) and (3) of the preceding Article apply mutatis mutandis to a disposition under paragraph (1) (limited to cases where a Money Lender registered by the Prime Minister has violated the provisions of Article 12-3, paragraph (4), Articles 12-6 through 12-8, or Articles 13 through 22).

第二十四条の六の五内閣総理大臣又は都道府県知事は、その登録を受けた貸金業者が次の各号のいずれかに該当する場合においては、その登録を取り消さなければならない。

Article 24-6-5(1)When a Money Lender registered thereby falls under any of the following items, the Prime Minister or prefectural governor must rescind the Money Lender's registration:

２第五条第二項の規定は、前項の処分があつた場合について準用する。

(2)The provisions of Article 5, paragraph (2) apply mutatis mutandis where the disposition set forth in the preceding paragraph has been made.

第二十四条の六の六内閣総理大臣又は都道府県知事は、その登録を受けた貸金業者が次の各号のいずれかに該当する場合においては、その登録を取り消すことができる。

Article 24-6-6(1)When a Money Lender registered thereby falls under any of the following items, the Prime Minister or prefectural governor may rescind the Money Lender's registration:

２前項（第一号に係る部分に限る。）の規定による処分については、行政手続法（平成五年法律第八十八号）第三章の規定は、適用しない。

(2)With regard to a disposition made under the provisions of the preceding paragraph (limited to the part concerning item (i)), the provisions of Chapter III of the Administrative Procedure Act (Act No. 88 of 1993) does not apply.

第二十四条の六の七内閣総理大臣又は都道府県知事は、第三条第二項、第七条若しくは第十条第二項の規定により登録が効力を失つたとき、又は第二十四条の六の四第一項、第二十四条の六の五第一項若しくは前条第一項の規定により登録を取り消したときは、当該貸金業者の登録を抹消しなければならない。

Article 24-6-7When a Money Lender's registration has ceased to be effective pursuant to the provisions of Article 3, paragraph (2), Article 7 or Article 10, paragraph (2), or when they have rescinded the registration pursuant to the provisions of Article 24-6-4, paragraph (1), Article 24-6-5, paragraph (1) or paragraph (1) of the preceding Article, the Prime Minister or prefectural governor must cancel the Money Lender's registration.

第二十四条の六の八内閣総理大臣又は都道府県知事は、第二十四条の六の四第一項、第二十四条の六の五第一項又は第二十四条の六の六第一項の規定による処分をしたときは、内閣府令で定めるところにより、その旨を公告しなければならない。

Article 24-6-8When the Prime Minister or prefectural governor has made a disposition under the provisions of Article 24-6-4, paragraph (1), Article 24-6-5, paragraph (1) or Article 24-6-6, paragraph (1), the Prime Minister must give a public notice to that effect as provided by a Cabinet Office Order.

第二十四条の六の九貸金業者は、事業年度ごとに、内閣府令で定めるところにより、貸金業に係る事業報告書を作成し、毎事業年度経過後三月以内に、これをその登録をした内閣総理大臣又は都道府県知事に提出しなければならない。

Article 24-6-9As provided by a Cabinet Office Order, a Money Lender must prepare a business report on the Money Lending Business for each business year, and submit it to the Prime Minister or prefectural governor who registered the Money Lender within three months after the end of each business year.

第二十四条の六の十内閣総理大臣又は都道府県知事は、この法律を施行するため必要があると認めるときは、その登録を受けた貸金業者に対して、その業務に関し報告又は資料の提出を命ずることができる。

Article 24-6-10(1)When the Prime Minister or prefectural governor finds it necessary for the enforcement of this Act, they may order a Money Lender registered thereby to submit reports or materials with regard to the Money Lender's business operations.

２内閣総理大臣又は都道府県知事は、資金需要者等の利益の保護を図るため特に必要があると認めるときは、その必要の限度において、その登録を受けた貸金業者の貸付けに係る契約について保証契約を締結した保証業者又は当該貸金業者から貸金業の業務の委託を受けた者に対して、当該貸金業者の貸金業の業務に関し参考となるべき報告又は資料の提出を命ずることができる。

(2)When the Prime Minister or prefectural governor finds it particularly necessary in order to protect the interests of Persons Seeking Funds, etc., they may, within the extent necessary, order a Guarantee Business Operator who has concluded a guarantee contract with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor or a person who has been entrusted by the Money Lender with money lending operations, to submit reports or materials that are informative with regard to the Money Lender's money lending operations.

３内閣総理大臣又は都道府県知事は、資金需要者等の利益の保護を図るため必要があると認めるときは、当該職員に、その登録を受けた貸金業者の営業所若しくは事務所に立ち入らせ、その業務に関して質問させ、又は帳簿書類その他の物件を検査させることができる。

(3)When the Prime Minister or prefectural governor finds it necessary in order to protect the interests of Persons Seeking Funds, etc., they may have the relevant officials enter the business office or other office of a Money Lender registered by the Prime Minister or prefectural governor, ask questions with regard to the Money Lender's operations, or inspect books, documents, and any other articles.

４内閣総理大臣又は都道府県知事は、資金需要者等の利益の保護を図るため特に必要があると認めるときは、その必要の限度において、当該職員に、その登録を受けた貸金業者の貸付けに係る契約について保証契約を締結した保証業者若しくは当該貸金業者から貸金業の業務の委託を受けた者の営業所若しくは事務所に立ち入らせ、当該貸金業者に対する質問若しくは検査に必要な事項に関して質問させ、又は帳簿書類その他の物件を検査させることができる。

(4)When the Prime Minister or prefectural governor finds it particularly necessary in order to protect the interests of Persons Seeking Funds, etc., they may, within the extent necessary, have the relevant officials enter the business office or other office of a Guarantee Business Operator who has concluded a guarantee contract with respect to the loan contract of a Money Lender registered by the Prime Minister or prefectural governor or a person who has been entrusted by the Money Lender with money lending operations, ask questions with regard to the matters necessary for the questioning or inspection of the Money Lender, or inspect books, documents, and any other articles.

５前二項の規定により立入検査をする職員は、その身分を示す証明書を携帯し、関係者の請求があつたときは、これを提示しなければならない。

(5)An official who conducts an on-site inspection pursuant to the provisions of the preceding two paragraphs carries a certificate of identification and present it when requested by any person concerned.

６第三項及び第四項の規定による立入検査の権限は、犯罪捜査のために認められたものと解してはならない。

(6)The authority to conduct an on-site inspection under the provisions of paragraph (3) or paragraph (4) must not be construed as being for criminal investigation.

第二十四条の六の十一消費者庁長官は、第二十四条の六の三第三項（第二十四条の六の四第三項において準用する場合を含む。以下この項において同じ。）の規定による意見を述べるため必要があると認める場合には、第二十四条の六の三第三項に規定する貸金業者に対して、その業務に関し報告又は資料の提出を命ずることができる。

Article 24-6-11(1)When the Secretary-General of the Consumer Affairs Agency finds it necessary in order to state an opinion pursuant to Article 24-6-3, paragraph (3) (including the cases where it is applied mutatis mutandis pursuant to Article 24-6-4, paragraph (3); hereinafter the same applies in this paragraph), may order the Money Lender prescribed in Article 24-6-3, paragraph (3) to submit reports or materials with regard to the Money Lender's business operations.

２消費者庁長官は、前項に規定する場合において、個人である資金需要者等の利益の保護を図るため特に必要があると認めるときは、当該職員に、同項の貸金業者の営業所若しくは事務所に立ち入らせ、その業務に関して質問させ、又は帳簿書類その他の物件を検査させることができる。

(2)In the case prescribed in the preceding paragraph, when the Secretary-General of the Consumer Affairs Agency finds it particularly necessary in order to protect the interests of Persons Seeking Funds, etc. who are individuals, they may have the relevant officials enter the business office or other office of the Money Lender under the preceding paragraph, ask questions with regard to the Money Lender's operations, or inspect books, documents, and any other articles.

３前条第五項及び第六項の規定は、前項の規定による立入検査について準用する。

(3)The provisions of paragraphs (5) and (6) of the preceding Article apply mutatis mutandis to the on-site inspection under the preceding paragraph.

４消費者庁長官は、第一項の規定による命令又は第二項の規定による立入検査をしようとするときは、あらかじめ、内閣総理大臣に協議しなければならない。

(4)If the Secretary-General of the Consumer Affairs Agency intends to issue an order under paragraph (1) or conduct an on-site inspection under paragraph (2),the Secretary-General must consult with the Prime Minister in advance.

第二十四条の六の十二内閣総理大臣又は都道府県知事は、その登録を受けた貸金業者であつて貸金業協会に加入していないものの貸金業の業務について、資金需要者等の利益の保護に欠けることのないよう、貸金業協会の定款、業務規程その他の規則を考慮し、適切な監督を行わなければならない。

Article 24-6-12(1)The Prime Minister or prefectural governor must appropriately supervise the money lending operations performed by a Money Lender registered thereby who has not joined a Money Lenders' Association, in consideration of the articles of incorporation, operational rules, and any other rules of Money Lenders' Associations, so that the operations of the Money Lender do not fail to protect the interests of Persons Seeking Funds, etc.

２前項に規定する監督を行うため、内閣総理大臣又は都道府県知事は、貸金業協会に加入していない貸金業者に対して、貸金業協会の定款、業務規程その他の規則を考慮し、当該貸金業者又はその役員若しくは使用人が遵守すべき規則（以下「社内規則」という。）の作成又は変更を命ずることができる。

(2)In order to conduct the supervision prescribed in the preceding paragraph, in consideration of the articles of incorporation, operational rules, and any other rules of Money Lenders' Associations, the Prime Minister or prefectural governor may order a Money Lender who has not joined a Money Lenders' Association to create or change rules that the Money Lender or officers or employees thereof should observe (hereinafter referred to as "Internal Rules").

３前項の規定により社内規則の作成又は変更を命ぜられた貸金業者は、三十日以内に、当該社内規則の作成又は変更をし、その登録をした内閣総理大臣又は都道府県知事の承認を受けなければならない。

(3)A Money Lender who has been ordered to create or change its Internal Rules pursuant to the provisions of the preceding paragraph, within 30 days, is to create or change its Internal Rules, and must obtain approval thereof from the Prime Minister or prefectural governor who registered the Money Lender.

４前項の承認を受けた貸金業者は、当該承認を受けた社内規則を変更し、又は廃止しようとする場合においては、その登録をした内閣総理大臣又は都道府県知事の承認を受けなければならない。

(4)Where a Money Lender who has obtained approval under the preceding paragraph intends to change or repeal the approved Internal Rules, the Money Lender must further obtain approval thereof from the Prime Minister or prefectural governor who registered the Money Lender.

第二十五条貸金業協会（以下この章において「協会」という。）は、資金需要者等の利益の保護を図り、貸金業の適正な運営に資することを目的とする。

Article 25(1)The purpose of a Money Lenders' Association (hereinafter referred to as an "Association" in this Chapter) is be to protect the interests of Persons Seeking Funds, etc. and to contribute to the proper management of money lending operations.

２協会は、法人とする。

(2)An Association is a corporation.

３協会は、全国を地区とするものでなければならない。

(3)An Association must operate nationwide.

４協会は、その名称中に貸金業協会という文字を用いなければならない。

(4)An Association must use the term "Kashikingyo-Kyokai" (which means "Money Lenders' Association") in its name.

５協会でない者は、その名称又は商号中に、貸金業協会であると誤認されるおそれのある文字を用いてはならない。

(5)No person other than an Association must use, in its name or trade name, any term by which the person is likely to be mistaken as an Association.

第二十六条協会は、貸金業者でなければ、これを設立することができない。

Article 26(1)An Association may be established only by a Money Lender.

２貸金業者は、協会を設立しようとするときは、内閣総理大臣の認可を受けなければならない。

(2)When a Money Lender wishes to establish an Association, the Money Lender must obtain authorization therefor from the Prime Minister.

第二十七条前条第二項の認可を受けようとする者は、その認可を受けようとする協会について、次に掲げる事項を記載した認可申請書を内閣総理大臣に提出しなければならない。

Article 27(1)A person who wishes to obtain authorization under paragraph (2) of the preceding Article, with regard to the Association for which authorization is sought, must submit a written application for authorization to the Prime Minister, stating the following matters:

２前項の認可申請書には、その認可を受けようとする協会の定款、業務規程その他の規則（以下「定款等」という。）その他内閣府令で定める書類を添付しなければならない。

(2)To a written application for authorization set forth in the preceding paragraph must be attached the articles of incorporation, operational rules, and any other rules (hereinafter collectively referred to as the "Articles of Incorporation, etc.") of the Association for which authorization is sought, and any other documents specified by a Cabinet Office Order.

第二十八条内閣総理大臣は、前条第一項の規定による認可の申請があつた場合においては、その申請が次に掲げる基準に適合するかどうかを審査しなければならない。

Article 28(1)When an application for authorization has been filed pursuant to the provisions of paragraph (1) of the preceding Article, the Prime Minister must examine whether the application satisfies the following requirements:

２内閣総理大臣は、前項の規定により審査した結果、その申請が同項の基準に適合していると認めるときは、次の各号のいずれかに該当する場合を除き、設立の認可をしなければならない。

(2)When, as a result of the examination under the provisions of the preceding paragraph, the Prime Minister finds that the application satisfies the requirements prescribed in that paragraph, the Prime Minister must grant authorization for establishment, except in the following cases:

第二十九条内閣総理大臣は、協会がその設立の認可を受けた時点において前条第二項各号のいずれかに該当していたことが判明したときは、その認可を取り消すことができる。

Article 29When an Association is found to have fallen under any of the items of paragraph (2) of the preceding Article at the time when authorization of establishment was granted, the Prime Minister may rescind the authorization.

第三十条協会は、営利の目的をもつて業務を行つてはならない。

Article 30An Association must not conduct its business for the purpose of profit.

第三十一条協会の定款には、次に掲げる事項を記載しなければならない。

Article 31The articles of incorporation of an Association must state the following:

第三十二条協会は、その業務規程において、次に掲げる事項を定めなければならない。

Article 32An Association must specify the following maters in its operational rules:

第三十三条協会は、定款又は業務規程を変更しようとするときは、内閣総理大臣の認可を受けなければならない。

Article 33(1)When an Association wishes to change its articles of incorporation or operational rules, it must obtain authorization therefor from the Prime Minister.

２協会は、第二十七条第一項第二号又は第三号に掲げる事項について変更があつたときは、遅滞なく、その旨を内閣総理大臣に届け出なければならない。協会の規則（定款及び業務規程を除く。）の作成、変更又は廃止があつたときも、同様とする。

(2)When there has been a change to any of the matters listed in Article 27, paragraph (1), item (ii) or item (iii), an Association must notify the Prime Minister to that effect without delay. The same applies where an Association has created, changed or abolished its rules (excluding the articles of incorporation and the operational rules).

第三十四条協会は、都道府県の区域ごとに支部を設けなければならない。

Article 34(1)An Association must establish branches in each prefectural area.

２支部は、協会の目的の達成に資するため、支部に所属する協会員に対する指導、連絡及び監督を行う。

(2)For the purpose of contributing to the achievement of the Association's purpose, provide guidance for, each branch is to maintain liaison with, and conduct supervision on Association members that belong to that branch.

第三十五条協会は、会長又は理事がその職務を行うことについて他人に加えた損害を賠償する責任を負う。

Article 35An Association is liable for compensating for any damage its president or director has caused to another person in the course of their duties.

第三十六条協会の住所は、その主たる事務所の所在地にあるものとする。

Article 36The address of an Association is to be the location of its principal office.

第三十七条協会の協会員は、貸金業者に限る。

Article 37(1)Only a Money Lender is qualified to be an Association member.

２協会は、すべての貸金業者のうち政令で定める割合以上の貸金業者をその協会員としなければならない。

(2)As Association members, an Association must accept Money Lenders who account for a percentage specified by a Cabinet Order of all Money Lenders.

３協会員は、当該協会員の営業所又は事務所の所在地を含む都道府県の区域に設けられている協会の支部に所属するものとする。

(3)Each Association member is to belong to the Association's branch that has been established within the prefectural area that includes the location of the Association member's business office(s) or other office(s).

４協会は、その定款において、第六項の場合を除くほか、貸金業者は何人も協会員として加入することができる旨を定めなければならない。

(4)An Association must stipulate in its articles of incorporation that any Money Lender may join as an Association member, except in the case set forth in paragraph (6).

５協会は、その定款において、協会員に、法令及び協会の定款等を遵守するための当該協会員又はその役員若しくは使用人が遵守すべき規則及び管理体制を整備させることにより、法令又は協会の定款等に違反する行為を防止して、資金需要者等の信頼を確保することに努める旨を定めなければならない。

(5)An Association must stipulate in its articles of incorporation that by having each Association member establish rules to be observed by the Association member and the officers and employees thereof as well as an administrative infrastructure for the purpose of ensuring compliance with laws and regulations and the Association's Articles of Incorporation, etc., the Association will strive to prevent any violation of laws and regulations or of its Articles of Incorporation, etc., and to secure the confidence of Persons Seeking Funds, etc.

６協会は、その定款において、法令若しくは法令に基づく内閣総理大臣若しくは都道府県知事の処分に違反する行為をして、貸金業の業務の停止を命ぜられ、又は法令、法令に基づく行政官庁の処分若しくは当該協会の定款等に違反する行為をして、協会から除名の処分を受けたことがある者については、その者が協会員として加入することを拒否することができる旨を定めることができる。

(6)An Association may stipulate in its articles of incorporation that with regard to a person who has ever been ordered to suspend money lending operations for a violation of laws and regulations or of a disposition given by the Prime Minister or prefectural governor under laws and regulations, or who has ever been expelled from the Association for a violation of laws and regulations, a disposition made by a government agency under laws and regulations, or the Association's Articles of Incorporation, etc., the Association may refuse to allow that person to join as an Association member.

７協会は、協会員の名簿を公衆の縦覧に供しなければならない。

(7)An Association must provide its register of Association members for public inspection.

８協会に加入していない者は、その名称又は商号中に、協会員であると誤認されるおそれのある文字を用いてはならない。

(8)A person who has not joined an Association must not use, in its name or trade name, any term due to which the person is likely to be mistaken as an Association member.

第三十八条協会は、その定款において、協会員が、法令、法令に基づく行政官庁の処分又は当該協会の定款等に違反する行為をした場合に、当該協会員に対し、過怠金を課し、定款の定める協会員の権利の停止若しくは制限を命じ、又は除名する旨を定めなければならない。

Article 38An Association must stipulate in its articles of incorporation that where an Association member has committed a violation of laws and regulations, a disposition made by a government agency under laws and regulations, or the Association's Articles of Incorporation, etc., the Association will impose a monetary fine on the Association member, order suspension or restriction of the rights given the Association member under the articles of incorporation, or expel the Association member.

第三十九条協会に、役員として、会長一人、理事二人以上及び監事二人以上を置く。

Article 39(1)An Association has one president, two or more directors, and two or more auditors as its officers.

２会長は、協会を代表し、その事務を総理する。

(2)The president represents the Association and presides over its affairs.

３理事は、定款の定めるところにより、協会を代表し、会長を補佐して協会の事務を掌理し、会長に事故があるときはその職務を代理し、会長が欠員のときはその職務を行う。

(3)As provided by the articles of incorporation, represent the Association, the directors are to administer the Association's affairs while assisting the president, perform the president's duties in their place when the president is unable to attend to their duties, and perform the president's duties when the post is vacant.

４監事は、協会の事務を監査する。

(4)The auditors are to audit the affairs of the Association.

５役員が第六条第一項第一号から第六号までのいずれかに該当することとなつたときは、その職を失う。

(5)An officer of an Association loses their position when they come to fall under any of Article 6, paragraph (1), item (i) through item (vi).

第四十条内閣総理大臣は、不正の手段により役員となつた者のあることを発見したとき、又は役員が法令、法令に基づく行政官庁の処分若しくは定款若しくは業務規程に違反したときは、協会に対し、当該役員の解任を命ずることができる。

Article 40When the Prime Minister has discovered that an officer of an Association has acquired their position by wrongful means, or where an officer of an Association has violated laws and regulations, a disposition made by a government agency under laws and regulations, or the Association's articles of incorporation or operational rules, the Prime Minister may order the Association to dismiss that officer.

第四十一条内閣総理大臣は、理事又は監事の職務を行う者のない場合において、必要があると認めるときは、仮理事又は仮監事を選任することができる。

Article 41When there is no person to perform the duties of a director or auditor and when the Prime Minister finds it necessary, they may appoint a provisional director or provisional auditor.

第四十一条の二協会の役員若しくは職員又はこれらの職にあつた者は、その職務に関して知り得た秘密を漏らし、又は盗用してはならない。

Article 41-2An officer or employee of an Association or a person who was formerly in such a position must not disclose to another person or misappropriate any confidential information they have learned during the course of their duties.

第四十一条の三内閣総理大臣は、協会の定款等又は業務の運営若しくは財産の状況に関し、資金需要者等の利益の保護のため必要かつ適当であると認めるときは、その必要の限度において、当該協会に対し、定款等の変更その他監督上必要な措置をとることを命ずることができる。

Article 41-3When the Prime Minister, with regard to the Articles of Incorporation, etc. of an Association or the management of its business or status of its property, finds it necessary and appropriate to protect the interests of Persons Seeking Funds, etc., the Prime Minister may, within the extent necessary, order the Association to change its Articles of Incorporation, etc. or to take any other necessary supervisory measures.

第四十一条の四内閣総理大臣は、協会が法令、法令に基づく行政官庁の処分若しくは当該協会の定款等（以下この条において「法令等」という。）に違反した場合又は協会員が法令等に違反する行為をしたにもかかわらず、当該協会員に対し法令等を遵守させるために協会がこの法律、この法律に基づく命令若しくは定款等により認められた権能を行使せずその他必要な措置をとることを怠つた場合において、資金需要者等の利益の保護のため必要かつ適当であると認めるときは、その設立の認可を取り消し、一年以内の期間を定めてその業務の全部若しくは一部の停止を命じ、その業務の方法の変更若しくはその業務の一部の禁止を命じ、その役員の解任を命じ、又は定款等に定める必要な措置をとることを命ずることができる。

Article 41-4Where an Association has violated laws and regulations, a disposition made by a government agency under laws and regulations, or its Articles of Incorporation, etc. (hereinafter collectively referred to as "Laws and Regulations, etc." in this Article) or where, despite the fact that an Association member has violated Laws and Regulations, etc., the Association has failed to exercise the powers vested therein under this Act, under any order issued under this Act, or under its Articles of Incorporation, etc., or where it has failed to take any other necessary measures for having that Association member observe Laws and Regulations, etc., the Prime Minister may, when they find it necessary and appropriate to protect the interests of Persons Seeking Funds, etc., rescind the authorization of the establishment of the Association, specify a period of no longer than one year and order the suspension of the Association's business in whole or in part, order a change in its operational method or prohibition of its business in part, order the dismissal of its officer, or order any other necessary measures specified in its Articles of Incorporation, etc.

第四十一条の五内閣総理大臣は、資金需要者等の利益の保護を図るため必要があると認めるときは、協会に対し、その業務若しくは財産に関して報告若しくは資料の提出を命じ、又は当該職員に、協会の事務所に立ち入らせ、当該協会の業務若しくは財産の状況に関して質問させ、若しくは帳簿書類その他の物件を検査させることができる。

Article 41-5(1)When the Prime Minister finds it necessary in order to protect the interests of Persons Seeking Funds, etc., the Prime Minister may order an Association to submit reports or materials with regard to its business or the status of its property, and may have the relevant officials enter the Association's office, ask questions with regard to the status of the Association's business or property, and inspect books, documents, and any other articles.

２内閣総理大臣は、資金需要者等の利益の保護を図るため特に必要があると認めるときは、その必要の限度において、協会から業務の委託を受けた者に対し、当該協会の業務若しくは財産に関し参考となるべき報告若しくは資料の提出を命じ、又は当該職員に、当該協会から業務の委託を受けた者の営業所若しくは事務所に立ち入らせ、当該協会の業務若しくは財産の状況に関して質問させ、若しくは帳簿書類その他の物件を検査させることができる。

(2)When the Prime Minister finds it particularly necessary in order to protect the interests of Persons Seeking Funds, etc., the Prime Minister may, within the extent necessary, order a person who has been entrusted by an Association with its business, to submit reports or materials that are informative with regard to the Association's business or property, and may have the relevant officials enter the business office or other office of the person who has been entrusted by the Association with its business, ask questions with regard to the status of the Association's business or property, and inspect books, documents and any other articles.

３前二項の規定により立入検査をする職員は、その身分を示す証明書を携帯し、関係者の請求があつたときは、これを提示しなければならない。

(3)An official who conducts an on-site inspection pursuant to the provisions of the preceding two paragraphs must carry a certificate of identification and present it when requested by any person concerned.

４第一項及び第二項の規定による立入検査の権限は、犯罪捜査のために認められたものと解してはならない。

(4)The authority to conduct an on-site inspection under the provisions of paragraph (1) or paragraph (2) must not be construed as being for criminal investigation.

第四十一条の六協会は、事業年度ごとに、次に掲げる書類を作成し、毎事業年度経過後三月以内に、内閣総理大臣に提出しなければならない。

Article 41-6For each business year, an Association must prepare the following documents, and submit them to the Prime Minister within three months after the end of each business year:

第四十一条の七協会は、資金需要者等（債務者等であつた者を含む。）から協会員が営む貸金業の業務に関する苦情について解決の申出があつたときは、その相談に応じ、申出人に必要な助言をし、その苦情に係る事情を調査するとともに、当該協会員に対し、その苦情の内容を通知してその迅速な処理を求めなければならない。

Article 41-7(1)Where a Person Seeking Funds, etc. (including a person who was formerly an Obligor, etc.) has requested to settle a complaint about an Association member's money lending operations, the Association must respond to the request, giving the necessary advice to the person and investigating the circumstances pertaining to the complaint, as well as notifying the relevant Association member of the details of the complaint and requesting the prompt handling thereof.

２協会は、前項の申出に係る苦情の解決について必要があると認めるときは、当該協会員に対し、文書若しくは口頭による説明を求め、又は資料の提出を求めることができる。

(2)Where the Association finds it necessary for the settlement of a complaint filed under the preceding paragraph, it may request that the Association member explain in writing or verbally, or to submit any relevant materials.

３協会員は、協会から前項の規定による求めがあつたときは、正当な理由がないのに、これを拒んではならない。

(3)An Association member must not refuse a request made under the preceding paragraph by the Association without justifiable grounds.

４協会は、第一項の申出、当該苦情に係る事情及びその解決の結果について協会員に周知しなければならない。

(4)The Association must inform the Association member of the request for the settlement of a complaint under paragraph (1), the circumstances with regard to the complaint and the results of the settlement thereof.

５第一項の規定は、協会が第四十一条の三十九第一項の規定による指定を受けている場合には、適用しない。

(5)The provisions of paragraph (1) do not apply if the Association has obtained a designation under Article 41-39, paragraph (1).

第四十一条の八内閣総理大臣又は都道府県知事は、この法律の円滑な実施を図るため、内閣府令で定めるところにより、この法律の規定に基づく登録の申請、届出その他必要な事項について、協会に協力させることができる。

Article 41-8The Prime Minister or prefectural governor, in order to ensure smooth enforcement of this Act, may have an Association cooperate with them in the application of registration, notification, and other necessary matters under the provisions of this Act.

第四十一条の九協会は、金融に係る知識の普及、啓発活動及び広報活動を通じて、資金需要者等の利益の保護の促進に努めなければならない。

Article 41-9The Association must strive to promote protection of the interests of Persons Seeking Funds, etc. through dissemination of financial knowledge, enlightenment activities, and publicity campaigns.

第四十一条の十協会は、政令で定めるところにより、登記しなければならない。

Article 41-10(1)An Association must be registered pursuant to the provisions of a Cabinet Order.

２協会は、その主たる事務所の所在地において、設立の登記をすることによつて成立する。

(2)An Association is to be established by registering its establishment at the location of its principal office.

３第一項の規定により登記しなければならない事項は、登記の後でなければ、これをもつて第三者に対抗することができない。

(3)The matters that are required to be registered under paragraph (1) may not be duly asserted against a third party until after registration.

第四十一条の十一協会は、次の事由により解散する。

Article 41-11(1)An Association is dissolved based on the following grounds:

２協会の解散に関する総会の決議は、内閣総理大臣の認可を受けなければ、その効力を生じない。

(2)A resolution made at a general meeting concerning dissolution of an Association must not become effective unless it is authorized by the Prime Minister.

３協会が第一項第一号の規定により解散したときは、その代表者であつた者は、遅滞なく、その旨を内閣総理大臣に届け出なければならない。

(3)When an Association has dissolved pursuant to item (i) of paragraph (1), the former representative person must notify the Prime Minister to that effect without delay.

４協会について破産手続開始若しくは破産手続終結の決定があつた場合又は破産手続開始の決定の取消し若しくは破産手続廃止の決定が確定した場合には、裁判所書記官は、その旨を内閣総理大臣に通知しなければならない。

(4)With regard to an Association, when an order for the commencement of bankruptcy proceedings or an order for the termination of bankruptcy proceedings has been rendered, or when rescission of an order for the commencement of bankruptcy proceedings or an order for the discontinuance of bankruptcy proceedings has become final and binding, the court clerk must notify the Prime Minister to that effect.

５前各項に定めるもののほか、協会の解散に関し必要な事項は、政令で定める。

(5)Beyond what is provided for in the preceding paragraphs, matters necessary for the dissolution of an Association is specified by a Cabinet Order.

第四十一条の十二内閣総理大臣は、次に掲げる場合には、その旨（第一号に掲げる場合にあつてはその旨及び認可を受けた協会の定款等、第三号に掲げる場合にあつてはその旨及び変更後の定款又は業務規程、第四号に掲げる場合にあつてはその旨及び届出があつた事項）を官報で公示しなければならない。

Article 41-12In the following cases, the Prime Minister must give public notice to that effect in the Official Gazette (in the case set forth in item (i), to that effect and of the Articles of Incorporation, etc. of the authorized Association; in the case set forth in item (iii), to that effect and of the changed articles of incorporation and operational rules; and in the case set forth in item (iv), to that effect and of the notified matters):

第四十一条の十三内閣総理大臣は、次に掲げる要件を備える者を、その申請により、この章の定めるところにより信用情報提供等業務を行う者として、指定することができる。

Article 41-13(1)The Prime Minister may designate a person who satisfies the following requirements as a person to perform Credit Information Services, subject to their application and pursuant to the provisions of this Chapter:

２内閣総理大臣は、前項の規定による指定をしたときは、指定信用情報機関の商号又は名称及び主たる営業所又は事務所の所在地並びに当該指定をした日を官報で公示しなければならない。

(2)When the Prime Minister has made a designation under the preceding paragraph, the Prime Minister must give public notice of the trade name or name of the Designated Credit Bureau, the location of its principal business office or office, and the date of its designation in the Official Gazette.

第四十一条の十四前条第一項の規定による指定を受けようとする者は、次に掲げる事項を記載した指定申請書を内閣総理大臣に提出しなければならない。

Article 41-14(1)A person who wishes to receive the designation provided in paragraph (1) of the preceding Article must submit a written application for designation to the Prime Minister in which the following matters are stated:

２前項の指定申請書には、次に掲げる書類を添付しなければならない。

(2)The following documents must be attached to the written application for designation set forth in the preceding paragraph:

３前項の場合において、定款、財産目録、貸借対照表、損益計算書若しくは収支計算書又は事業報告書が電磁的記録で作成されているときは、書類に代えて当該電磁的記録を添付することができる。

(3)In the case referred to in the preceding paragraph, when the articles of incorporation, inventory of property, balance sheet, profit and loss statement or income and expenditure statement, or business reports have been prepared in the form of electronic or magnetic records, the electronic or magnetic records may be attached in lieu of the aforementioned documents.

第四十一条の十五指定信用情報機関の代表者及び常務に従事する役員は、内閣総理大臣の認可を受けた場合を除くほか、貸金業者その他の内閣府令で定める法人の代表者となり、若しくは常務に従事し、又は貸金業その他の内閣府令で定める事業を営んではならない。

Article 41-15The representative person of a Designated Credit Bureau or an Officer who regularly engages in the business of a Designated Credit Bureau must not, except in the case where they have obtained authorization from the Prime Minister, become a representative person of a Money Lender or other corporation specified by a Cabinet Office Order, nor can a representative person of an Officer engage in the ordinary business thereof or conduct Money Lending Business or any other business specified by a Cabinet Office Order.

第四十一条の十六指定信用情報機関の役員若しくは職員又はこれらの職にあつた者は、信用情報提供等業務に関して知り得た秘密を漏らし、又は盗用してはならない。

Article 41-16An officer or employee of a Designated Credit Bureau or a person who was formerly in such a position must not disclose to another person or misappropriate any confidential information that officer or employee has learned during the course of Credit Information Services.

第四十一条の十七指定信用情報機関は、この章の規定及び業務規程の定めるところにより、信用情報提供等業務を行うものとする。

Article 41-17A Designated Credit Bureau pursuant to the provisions of this Chapter and its operational rules, are to conduct Credit Information Services.

第四十一条の十八指定信用情報機関は、信用情報提供等業務及び信用情報提供等業務に付随する業務のほか、他の業務を行うことができない。ただし、当該指定信用情報機関が信用情報提供等業務を適正かつ確実に行うにつき支障を生ずるおそれがないと認められるものについて、内閣府令で定めるところにより、内閣総理大臣の承認を受けたときは、この限りでない。

Article 41-18(1)A Designated Credit Bureau must not engage in business other than Credit Information Service and business incidental thereto; provided, however, that this does not apply to business which is found not to hinder the proper and sound implementation of Credit Information Services by the Designated Credit Bureau and which are approved by the Prime Minister pursuant to the provisions of a Cabinet Office Order.

２指定信用情報機関は、前項ただし書の承認を受けた業務を廃止したときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。

(2)A Designated Credit Bureau, when it has abolished business approved under the proviso to the preceding paragraph, must notify the Prime Minister to that effect as provided by a Cabinet Office Order.

３第四十一条の十四第一項の指定申請書に申請者が信用情報提供等業務及び信用情報提供等業務に付随する業務以外の業務を行う旨の記載がある場合において、当該申請者が第四十一条の十三第一項の指定を受けたときは、当該業務を行うことにつき第一項ただし書の承認を受けたものとみなす。

(3)In cases where a written application for designation set forth in Article 41-14, paragraph (1) states to the effect that the applicant conducts business other than Credit Information Services and business incidental thereto, and when the applicant has received a designation under Article 41-13, paragraph (1), the applicant is deemed to have been approved to conduct the relevant business under the proviso to paragraph (1).

第四十一条の十九指定信用情報機関は、内閣府令で定めるところにより、信用情報提供等業務の一部を、内閣総理大臣の承認を受けて、他の者に委託することができる。

Article 41-19(1)A Designated Credit Bureau, pursuant to the provisions of a Cabinet Office Order, may entrust part of its Credit Information Services to others with approval from the Prime Minister.

２前項の規定による委託を受けた者は、当該委託を受けた信用情報提供等業務の一部を、当該委託をした指定信用情報機関の同意を得て、更に他の者に委託することができる。

(2)A person who has been entrusted under the preceding paragraph may further entrust part of the entrusted Credit Information Services to others with the consent of the Designated Credit Bureau which made the entrustment.

３前項の規定による委託を受けた者は、当該委託を受けた信用情報提供等業務の一部を、同項に規定する委託を受けた者及び同項の指定信用情報機関の同意を得て、更に他の者に委託することができる。

(3)A person who has been entrusted under the preceding paragraph may further entrust part of the entrusted Credit Information Services to others with the consent of the person who has been entrusted under paragraph (1) and of the Designated Credit Bureau set forth in that paragraph.

第四十一条の二十指定信用情報機関は、信用情報提供等業務に係る次に掲げる事項に関する業務規程を定め、内閣総理大臣の認可を受けなければならない。これを変更しようとするときも、同様とする。

Article 41-20(1)A Designated Credit Bureau must provide operational rules concerning the following matters which pertain to its Credit Information Services, and must obtain authorization thereof from the Prime Minister. The same applies when the relevant rules are to be changed:

２前項第二号に掲げる事項に関する業務規程は、次に掲げる事項を内容とするものでなければならない。

(2)The operational rules concerning the matters listed in item (ii) of the preceding paragraph must provide the following matters:

３第一項第五号に掲げる事項に関する業務規程は、信用情報提供等業務に関する料金が能率的な業務運営の下における適正な原価に照らし公正妥当なものであることを内容とするものでなければならない。

(3)The operational rules concerning the matters listed in item (v) of paragraph (1) must provide for fees for Credit Information Services that are proper and fair in light of appropriate costs under efficient business management.

４内閣総理大臣は、第一項の認可をした業務規程が信用情報提供等業務の適正かつ確実な実施上不適当となつたと認めるときは、指定信用情報機関に対し、その業務規程を変更すべきことを命ずることができる。

(4)When the Prime Minister finds that the operational rules approved thereby under paragraph (1) have become inappropriate for implementing Credit Information Services properly and reliably, the Prime Minister may order the Designated Credit Bureau to change the relevant operational rules.

第四十一条の二十一指定信用情報機関は、貸金業者が信用情報提供契約の締結を希望する場合には、正当な理由なくこれを拒否してはならない。

Article 41-21(1)A Designated Credit Bureau must not refuse a Money Lender's request to conclude a Credit Information Contract without justifiable grounds.

２指定信用情報機関は、特定の加入貸金業者に対し不当な差別的取扱いをしてはならない。

(2)No Designated Credit Bureau must treat any particular Member Money Lender in an unjust and discriminatory way.

第四十一条の二十二指定信用情報機関は、内閣府令で定めるところにより、信用情報提供等業務に関する記録を作成し、これを保存しなければならない。

Article 41-22A Designated Credit Bureau, pursuant to the provisions of a Cabinet Office Order, must prepare and preserve records of its Credit Information Services.

第四十一条の二十三指定信用情報機関は、加入貸金業者が指定信用情報機関から提供を受けた信用情報をその顧客である資金需要者等の返済能力の調査（指定信用情報機関が第四十一条の十八第一項ただし書の承認を受けて加入貸金業者の顧客の金銭債務の弁済能力の調査（当該返済能力の調査を除く。）のために信用情報の提供を行つている場合には、当該弁済能力の調査を含む。）以外の目的で使用しないよう加入貸金業者に対する必要かつ適切な監督を行わなければならない。

Article 41-23A Designated Credit Bureau must conduct the necessary and proper supervision of Member Money Lenders so that the Member Money Lenders do not use the Credit Information provided by the relevant Designated Credit Bureau for any purpose other than investigation of the capacity of a Person Seeking Funds, etc. who is its customer to perform a monetary debt (if the Designated Credit Bureau is providing Credit Information to the Member Money Lender for their investigation of a customer's capacity for performance (excluding the aforementioned investigation of capacity for performance) with approval under the proviso to Article 41-18, paragraph (1), the investigation of capacity for performance must be included).

第四十一条の二十四指定信用情報機関は、他の指定信用情報機関の加入貸金業者の依頼に基づき当該他の指定信用情報機関から個人信用情報の提供の依頼を受けたときは、正当な理由がある場合を除き、当該依頼に応じ、個人信用情報を提供しなければならない。

Article 41-24(1)When another Designated Credit Bureau, based on a request from its Member Money Lender, has requested that a Designated Credit Bureau provide it with Personal Credit Information, the relevant Designated Credit Bureau, in response to such a request, must provide the relevant Personal Credit Information, unless there are justifiable grounds for not doing so.

２指定信用情報機関は、前項の規定による個人信用情報の提供に関し、手数料を徴収することができる。

(2)A Designated Credit Bureau may collect fees with regard to the provision of Personal Credit Information under the preceding paragraph.

３指定信用情報機関は、前項の規定により手数料を徴収する場合には、第一項の規定による個人信用情報の提供に関する能率的な業務運営の下における適正な原価に照らし公正妥当な手数料を定めなければならない。

(3)A Designated Credit Bureau, in collecting fees pursuant to the preceding paragraph, must fix the fees in a proper and fair fashion in light of appropriate costs under efficient business management concerning the provision of Personal Credit Information under paragraph (1).

４第四十一条の十六及び第四十一条の二十二の規定は、第一項の規定による個人信用情報の提供に係る業務について準用する。

(4)The provisions of Article 41-16 and Article 41-22 apply mutatis mutandis to business pertaining to the provision of Personal Credit Information under paragraph (1).

第四十一条の二十五指定信用情報機関は、加入貸金業者の名簿を公衆の縦覧に供しなければならない。

Article 41-25A Designated Credit Bureau must make the Member Money Lenders' registry available for public inspection.

第四十一条の二十六指定信用情報機関でない者（割賦販売法（昭和三十六年法律第百五十九号）第三十五条の三の三十六第一項の規定による指定を受けた者を除く。）は、その名称又は商号中に、指定信用情報機関と誤認されるおそれのある文字を用いてはならない。

Article 41-26No person other than a Designated Credit Bureau (excluding those designated under Article 35-3-36, paragraph (1) of the Installment Sales Act (Act No. 159 of 1961)) must not use in its name or trade name, any term due to which the person is likely to be mistaken as a Designated Credit Bureau.

第四十一条の二十七指定信用情報機関は、第四十一条の十四第一項第一号から第三号までのいずれかに掲げる事項に変更があつたときは、その旨を内閣総理大臣に届け出なければならない。

Article 41-27(1)When any of the matters listed in Article 41-14, paragraph (1), item (i) through item (iii) has been changed, a Designated Credit Bureau must notify the Prime Minister to that effect.

２内閣総理大臣は、前項の規定により指定信用情報機関の商号若しくは名称又は主たる営業所若しくは事務所の所在地の変更の届出があつたときは、その旨を官報で公示しなければならない。

(2)When a notification of a change to the trade name or name or the location of the principal business office or office of a Designated Credit Bureau has been made under the preceding paragraph, the Prime Minister must give public notice to that effect in the Official Gazette.

第四十一条の二十八指定信用情報機関は、次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。

Article 41-28When a Designated Credit Bureau falls under any of the following items, it must notify the Prime Minister to that effect as provided by a Cabinet Office Order:

第四十一条の二十九指定信用情報機関は、事業年度ごとに、当該事業年度に係る業務及び財産に関する報告書を作成し、内閣総理大臣に提出しなければならない。

Article 41-29(1)A Designated Credit Bureau is to prepare reports on its business and property each business year, and must submit them to the Prime Minister.

２前項の報告書に関する記載事項、提出期日その他必要な事項は、内閣府令で定める。

(2)Matters to be stated, the date of submission, and any other necessary matters in relation to the reports set forth in the preceding paragraph is to be specified by a Cabinet Office Order.

第四十一条の三十内閣総理大臣は、信用情報提供等業務の適正かつ確実な遂行のため必要があると認めるときは、指定信用情報機関に対し、その業務若しくは財産に関して報告若しくは資料の提出を命じ、又は当該職員に、指定信用情報機関の営業所若しくは事務所その他の施設に立ち入らせ、当該指定信用情報機関の業務若しくは財産の状況に関し質問させ、若しくは帳簿書類その他の物件を検査させることができる。

Article 41-30(1)When the Prime Minister finds it necessary for ensuring the proper and sound implementation of Credit Information Services, the Prime Minister may order a Designated Credit Bureau to submit reports or materials with regard to the status of its business or property, and may have the relevant officials enter the Designated Credit Bureau's business office, office or other facilities, ask questions with regard to the status of the business or property of the relevant Designated Credit Bureau, and inspect books, documents, and any other articles.

２内閣総理大臣は、信用情報提供等業務の適正かつ確実な遂行のため特に必要があると認めるときは、その必要の限度において、指定信用情報機関の利用者若しくは第四十一条の十九各項の規定による委託を受けた者に対し、当該指定信用情報機関の業務若しくは財産に関し参考となるべき報告若しくは資料の提出を命じ、又は当該職員に、これらの者の営業所若しくは事務所に立ち入らせ、当該指定信用情報機関の業務若しくは財産の状況に関して質問させ、若しくはこれらの者の帳簿書類その他の物件を検査させることができる。

(2)When the Prime Minister finds it particularly necessary for ensuring the proper and sound implementation of Credit Information Services, the Prime Minister, within the extent necessary, may order the customers of a Designated Credit Bureau or a person who has been entrusted under the paragraphs of Article 41-19 to submit reports or materials that are informative with regard to the Designated Credit Bureau's business or property, and may have the relevant officials enter the business office or other office of the aforementioned persons, ask questions with regard to the status of the Designated Credit Bureau's business or property, and inspect books, documents, and any other articles.

３前二項の規定により立入検査をする職員は、その身分を示す証明書を携帯し、関係者の請求があつたときは、これを提示しなければならない。

(3)An official who conducts an on-site inspection pursuant to the provisions of the preceding two paragraphs must carry a certificate of identification and present it when requested by any person concerned.

４第一項及び第二項の規定による立入検査の権限は、犯罪捜査のために認められたものと解してはならない。

(4)The authority to conduct on-site inspections under the provisions of paragraph (1) or paragraph (2) must not be construed as being for criminal investigation.

第四十一条の三十一内閣総理大臣は、指定信用情報機関の信用情報提供等業務の運営に関し、信用情報提供等業務の適正かつ確実な遂行を確保するため必要があると認めるときは、その必要の限度において、当該指定信用情報機関に対して、その業務の運営又は財産の状況の改善に必要な措置を命ずることができる。

Article 41-31With regard to the operation of the Credit Information Services of a Designated Credit Bureau, when the Prime Minister finds it necessary for ensuring the proper and sound implementation of Credit Information Services, the Prime Minister, within the extent necessary, may order the relevant Designated Credit Bureau to take necessary measures to improve its business operations or the condition of its property.

第四十一条の三十二指定信用情報機関は、信用情報提供等業務の全部又は一部の休止（次項に規定する理由によるものを除く。）をし、又は廃止をしようとするときは、内閣総理大臣の認可を受けなければならない。

Article 41-32(1)When a Designated Credit Bureau intends to suspend or abolish its Credit Information Services in whole or in part (excluding those based on the grounds in the following paragraph), it must obtain authorization therefor from the Prime Minister.

２指定信用情報機関が、天災その他のやむを得ない理由により信用情報提供等業務の全部又は一部を休止した場合には、直ちにその旨を、理由を付して内閣総理大臣に届け出るとともに、加入貸金業者及び他の指定信用情報機関に通知しなければならない。指定信用情報機関がその休止した当該信用情報提供等業務の全部又は一部を再開するときも、同様とする。

(2)When, as a result of a natural disaster or for any other compelling reason, a Designated Credit Bureau has suspended its Credit Information Services in whole or in part, it must immediately make a notification to the Prime Minister to that effect and must indicate the reason therefor, as well as notifying the Member Money Lender and other Designated Credit Bureaus. The same applies when the Designated Credit Bureau resumes the suspended Credit Information Services in whole or in part.

３前二項の規定により指定信用情報機関による信用情報提供等業務が休止している場合において、貸金業者が指定信用情報機関の保有する信用情報の全部又は一部を使用することができないときは、第十三条第二項（同条第五項において準用する場合を含む。）又は第十三条の三第一項若しくは第二項の規定は、適用しない。

(3)In the case where the Designated Credit Bureau's Credit Information Services are under suspension pursuant to the preceding two paragraphs, and Money Lenders are not able to access the Credit Information held by the Designated Credit Bureau in whole or in part, the provisions of Article 13, paragraph (2) (including the cases where it is applied mutatis mutandis pursuant to paragraph (5) of that Article) and Article 13-3, paragraph (1) and paragraph (2) do not apply.

第四十一条の三十三内閣総理大臣は、指定信用情報機関が次の各号のいずれかに該当するときは、第四十一条の十三第一項の規定による指定若しくは第四十一条の十八第一項ただし書の承認を取り消し、六月以内の期間を定めて、その業務の全部若しくは一部の停止を命じ、又はその役員の解任を命ずることができる。

Article 41-33(1)When a Designated Credit Bureau falls under any of the following items, the Prime Minister may rescind its designation under Article 41-13, paragraph (1) or the approval given under the proviso to Article 41-18, paragraph (1), or may order the relevant Designated Credit Bureau to suspend its business operations in whole or in part for a fixed period of no longer than six months, or to dismiss its officer:

２内閣総理大臣は、前項の規定により第四十一条の十三第一項の規定による指定を取り消したときは、その旨を官報で公示しなければならない。

(2)When the Prime Minister has rescinded a designation under Article 41-13, paragraph (1) pursuant to the provisions of the preceding paragraph, the Prime Minister must give public notice to that effect in the Official Gazette.

第四十一条の三十四内閣総理大臣は、指定信用情報機関が次の各号のいずれかに該当するときは、当該指定信用情報機関に対し、信用情報提供等業務の全部又は一部を他の指定信用情報機関に行わせることを命ずることができる。

Article 41-34(1)The Prime Minister, when a Designated Credit Bureau falls under any of the following items, may order the relevant Designated Credit Bureau to have another Designated Credit Bureau conduct its Credit Information Services in whole or in part:

２内閣総理大臣は、前項の規定による命令をしたときは、その旨を官報で公示しなければならない。

(2)When the Prime Minister has issued orders under the preceding paragraph, the Prime Minister must give public notice to that effect in the Official Gazette.

第四十一条の三十五加入貸金業者は、指定信用情報機関と信用情報提供契約を締結したときは、当該信用情報提供契約の締結前に締結した資金需要者である個人の顧客を相手方とする貸付けに係る契約（極度方式基本契約その他の内閣府令で定めるものを除く。次項において同じ。）で当該信用情報提供契約を締結した時点において貸付けの残高があるものに係る次に掲げる事項を、当該指定信用情報機関に提供しなければならない。

Article 41-35(1)When a Member Money Lender has concluded a Credit Information Contract with a Designated Credit Bureau, the Member Money Lender must provide the relevant Designated Credit Bureau with the following matters pertaining to the loan contract which was concluded prior to the conclusion of the relevant Credit Information Contract with an individual customer who is a person seeking funds (excluding Basic Contracts for a Revolving Credit Loan and other contracts specified by a Cabinet Office Order; the same applies in the following paragraph) and which has an outstanding Loan balance at the time of conclusion of the relevant Credit Information Contract:

２加入貸金業者は、資金需要者である個人の顧客を相手方とする貸付けに係る契約を締結したときは、遅滞なく、当該貸付けに係る契約に係る個人信用情報を信用情報提供契約を締結した指定信用情報機関（以下「加入指定信用情報機関」という。）に提供しなければならない。

(2)When a Member Money Lender has concluded a loan contract with an individual customer who is a person seeking funds, the Member Money Lender must provide the Personal Credit Information obtained through the relevant loan contract to the Designated Credit Bureau with which the Member Money Lender has concluded a Credit Information Contract (hereinafter referred to as a "Member Designated Credit Bureau").

３前二項の規定による個人信用情報の提供をした加入貸金業者は、当該提供をした個人信用情報に変更があつたときは、遅滞なく、その変更内容を加入指定信用情報機関に提供しなければならない。

(3)A Member Money Lender that has provided Personal Credit Information under the preceding two paragraphs, when there is any change in the provided Personal Credit Information, must inform the Member Designated Credit Bureau of that change without delay.

第四十一条の三十六加入貸金業者は、加入指定信用情報機関に資金需要者等に係る信用情報の提供の依頼（当該資金需要者等に係る他の指定信用情報機関が保有する個人信用情報の提供の依頼を含む。）をする場合には、内閣府令で定める場合を除き、あらかじめ、当該資金需要者等から書面又は電磁的方法による同意を得なければならない。

Article 41-36(1)When a Member Money Lender requests that a Member Designated Credit Bureau provide the Member Money Lender with the Credit Information of a Person Seeking Funds, etc. (including requests for the provision of the Personal Credit Information of the relevant Person Seeking Funds, etc. that is held by other Designated Credit Bureaus), the Lender, except in the case specified by a Cabinet Office Order, must obtain the consent of the Person Seeking Funds, etc. in advance, in writing or by electronic or magnetic means.

２加入貸金業者は、資金需要者である個人の顧客を相手方として貸付けに係る契約（内閣府令で定めるものを除く。）を締結しようとする場合には、あらかじめ、次に掲げる同意を当該顧客から書面又は電磁的方法により得なければならない。ただし、当該契約が当該顧客を相手方とする加入前極度方式貸付契約（当該加入指定信用情報機関との信用情報提供契約の締結前に締結した極度方式基本契約に基づく極度方式貸付けに係る契約をいう。）である場合は、この限りでない。

(2)When a Member Money Lender intends to conclude a loan contract with an individual customer who is a person seeking funds (excluding contracts specified by a Cabinet Office Order), the Member Money Lender must obtain the customer's consent to the following, in writing or by electronic or magnetic means; provided, however, that this does not apply to cases where the contract is a Contract for a Revolving Credit Loan Concluded Prior to the Relevant Credit Information Contract concluded with the relevant customer (meaning a contract for a Revolving Credit Loan under a Basic Contract for a Revolving Credit Loan concluded prior to the conclusion of the Credit Information Contract with the relevant Member Designated Credit Bureau):

３加入貸金業者は、前二項の同意を得た場合には、内閣府令で定めるところにより、当該同意に関する記録を作成し、保存しなければならない。

(3)When a Member Money Lender has obtained consent under the preceding two paragraphs, the Member Money Lender must prepare and preserve records on the relevant consent as provided by a Cabinet Office Order.

第四十一条の三十七加入貸金業者は、加入指定信用情報機関の商号又は名称を公表しなければならない。

Article 41-37A Member Money Lender must make public the trade name or name of its Member Designated Credit Bureau.

第四十一条の三十八加入貸金業者又はその役員若しくは職員は、次に掲げる調査（以下「返済能力等調査」という。）以外の目的のために加入指定信用情報機関に信用情報の提供の依頼（第一号の資金需要者等及び第二号の主たる債務者に係る他の指定信用情報機関が保有する個人信用情報の提供の依頼を含む。）をし、又は加入指定信用情報機関から提供を受けた信用情報を返済能力等調査以外の目的に使用し、若しくは第三者に提供してはならない。

Article 41-38(1)No Member Money Lender or officer or employee thereof must request a Member Designated Credit Bureau to provide Credit Information for purposes other than the following investigation (hereinafter referred to as "Investigation of Repayment Capacity, etc.") (including requests to provide the Personal Credit Information of a Person Seeking Funds, etc. as set forth in item (i) or of the principal obligor under item (ii) which is held by other Designated Credit Bureaus), nor such persons are to use or provide to a third party the Credit Information provided by a Member Designated Credit Bureau for purposes other than the Investigation of Repayment Capacity, etc.:

２加入貸金業者又はその役員若しくは職員は、加入指定信用情報機関から提供を受けた信用情報について、これらの者に該当しなくなつた後において、当該信用情報を使用し、又は第三者に提供してはならない。

(2)When a Member Money Lender or an officer or employee thereof has come to no longer hold that position, the Member Money Lender must not thereafter use nor provide to a third party the Credit Information provided by a Member Designated Credit Bureau.

第四十一条の三十九内閣総理大臣は、次に掲げる要件を備える者を、その申請により、紛争解決等業務を行う者として、指定することができる。

Article 41-39(1)The Prime Minister may designate a person who satisfies the following requirements as a person to perform Dispute Resolution Services, subject to the person's application:

２前項の申請をしようとする者は、あらかじめ、内閣府令で定めるところにより、貸金業者に対し、業務規程の内容を説明し、これについて異議がないかどうかの意見（異議がある場合には、その理由を含む。）を聴取し、及びその結果を記載した書類を作成しなければならない。

(2)Any person who wishes to file the application under the preceding paragraph, in advance and pursuant to the provisions of a Cabinet Office Order, must explain the contents of the Operational Rules to the Money Lenders and hear opinions therefrom as to whether they have any objections thereto (if there are objections, the reasons therefor are to be included) and prepare a document stating the results thereof.

３内閣総理大臣は、第一項の規定による指定をしようとするときは、同項第五号から第七号までに掲げる要件（紛争解決手続の業務に係る部分に限り、同号に掲げる要件にあつては、第四十一条の四十四第四項各号及び第五項各号に掲げる基準に係るものに限る。）に該当していることについて、あらかじめ、法務大臣に協議しなければならない。

(3)When the Prime Minister wishes to make the designation under paragraph (1), the Prime Minister must consult the Minister of Justice in advance with regard to the fact that the relevant person satisfies the requirements listed in items (v) through (vii) of that paragraph (limited to the part related to the operation of Dispute Resolution Procedures, and with regard to the requirement set forth in item (vii), limited to the requirement pertaining to the criteria listed in the items of Article 41-44, paragraph (4) and the items of paragraph (5) of that Article).

４内閣総理大臣は、第一項の規定による指定をしたときは、指定紛争解決機関の商号又は名称及び主たる営業所又は事務所の所在地並びに当該指定をした日を官報で公示しなければならない。

(4)When the Prime Minister has made the designation under paragraph (1), the Prime Minister must give public notice of the trade name or name and the location of the principal business office or office of the Designated Dispute Resolution Organization as well as the day on which the Prime Minister made the designation in the Official Gazette.

第四十一条の四十前条第一項の規定による指定を受けようとする者は、次に掲げる事項を記載した指定申請書を内閣総理大臣に提出しなければならない。

Article 41-40(1)A person who wishes to obtain the designation provided in paragraph (1) of the preceding Article must submit a written application for designation to the Prime Minister in which the following matters are stated:

２前項の指定申請書には、次に掲げる書類を添付しなければならない。

(2)The following documents must be attached to the written application for designation set forth in the preceding paragraph:

３前項の場合において、定款、財産目録又は貸借対照表が電磁的記録で作成されているときは、書類に代えて当該電磁的記録を添付することができる。

(3)In the case referred to in the preceding paragraph, when the articles of incorporation, inventory of property, or balance sheet is prepared in the form of electronic or magnetic records, the electronic or magnetic records may be attached in lieu of the written documents.

第四十一条の四十一指定紛争解決機関の紛争解決委員（第四十一条の五十第二項の規定により選任された紛争解決委員をいう。次項、次条第二項並びに第四十一条の四十四第二項及び第四項において同じ。）若しくは役員若しくは職員又はこれらの職にあつた者は、紛争解決等業務に関して知り得た秘密を漏らし、又は自己の利益のために使用してはならない。

Article 41-41(1)A Dispute Resolution Mediator (meaning a Dispute Resolution Mediator appointed under Article 41-50, paragraph (2); the same applies in the following paragraph, paragraph (2) of the following Article and Article 41-44, paragraphs (2) and (4)) or an Officer or employee of the Designated Dispute Resolution Organization, or a person who was formerly in the position must not disclose to another person or use for their own interests, any confidential information learned during the course of Dispute Resolution Services.

２指定紛争解決機関の紛争解決委員又は役員若しくは職員で紛争解決等業務に従事する者は、刑法その他の罰則の適用については、法令により公務に従事する職員とみなす。

(2)A Dispute Resolution Mediator or the Officer or employee of a Designated Dispute Resolution Organization who engages in Dispute Resolution Services, with regard to the application of the Penal Code or other penal provisions, is deemed as an employee engaged in public service as provided by laws and regulations.

第四十一条の四十二指定紛争解決機関は、この法律及び業務規程の定めるところにより、紛争解決等業務を行うものとする。

Article 41-42(1)A Designated Dispute Resolution Organization, pursuant to the provisions of this Act and the Operational Rules, is to conduct Dispute Resolution Services.

２指定紛争解決機関（紛争解決委員を含む。）は、当事者である加入貸金業者（手続実施基本契約を締結した相手方である貸金業者をいう。以下この章において同じ。）若しくは当該加入貸金業者に係る資金需要者等（債務者等であつた者を含む。以下この章において同じ。）又はこれらの者以外の者との手続実施基本契約その他の契約で定めるところにより、紛争解決等業務を行うことに関し、負担金又は料金その他の報酬を受けることができる。

(2)A Designated Dispute Resolution Organization (including the Dispute Resolution Mediators) may receive burden charges, fees, or any other remuneration for conducting the Dispute Resolution Services pursuant to the Basic Contract for Implementation of Dispute Resolution Procedures or any other contracts concluded with the Member Money Lender (meaning the Money Lender with whom a Basic Contract for Implementation of Dispute Resolution Procedures has been concluded; hereinafter the same applies in this Chapter) who is a party or with the Persons Seeking Funds, etc. thereof (including those who were Obligors, etc.; hereinafter the same applies in this Chapter) or with persons other than these persons.

第四十一条の四十三指定紛争解決機関は、他の指定紛争解決機関又は他の法律の規定による指定であつて紛争解決等業務に相当する業務に係るものとして政令で定めるものを受けた者（第四十一条の五十第四項及び第五項において「受託紛争解決機関」という。）以外の者に対して、苦情処理手続又は紛争解決手続の業務を委託してはならない。

Article 41-43A Designated Dispute Resolution Organization must not entrust business of Complaint Processing Procedures or Dispute Resolution Procedures to persons other than another Designated Dispute Resolution Organization or a person who has obtained the designation under the provisions of other Acts which is specified by Cabinet Order as that related to business equivalent to Dispute Resolution Services (referred to as the "Entrusted Dispute Resolution Organization" in Article 41-50, paragraphs (4) and (5)).

第四十一条の四十四指定紛争解決機関は、次に掲げる事項に関する業務規程を定めなければならない。

Article 41-44(1)A Designated Dispute Resolution Organization must prescribe the following matters in its Operational Rules:

２前項第一号の手続実施基本契約は、次に掲げる事項を内容とするものでなければならない。

(2)The Basic Contract for Implementation of Dispute Resolution Procedures as referred to in item (i) of the preceding paragraph must provide the following matters:

３第一項第二号の手続実施基本契約の締結に関する事項に関する業務規程は、貸金業者から手続実施基本契約の締結の申込みがあつた場合には、当該貸金業者が手続実施基本契約に係る債務その他の紛争解決等業務の実施に関する義務を履行することが確実でないと見込まれるときを除き、これを拒否してはならないことを内容とするものでなければならない。

(3)The Operational Rules concerning the matters for the conclusion of a Basic Contract for Implementation of Dispute Resolution Procedures under paragraph (1), item (ii) must provide that, if a Designated Dispute Resolution Organization receives an application for the conclusion of a Basic Contract for Implementation of Dispute Resolution Procedures from a Money Lender, except if it is expected to be uncertain whether the relevant Money Lender will perform the obligations pertaining to the Basic Contract for Implementation of Dispute Resolution Procedures or any other obligations regarding the implementation of Dispute Resolution Services, the relevant Designated Dispute Resolution Organization must not refuse the application.

４第一項第三号に掲げる事項に関する業務規程は、次に掲げる基準に適合するものでなければならない。

(4)The Operational Rules concerning the matters listed in paragraph (1), item (iii) must conform to the following criteria:

５第一項第四号及び第五号に掲げる事項に関する業務規程は、次に掲げる基準に適合するものでなければならない。

(5)The Operational Rules concerning the matters listed in paragraph (1), items (iv) and (v), must conform to the following criteria:

６第二項第五号の「特別調停案」とは、和解案であつて、次に掲げる場合を除き、加入貸金業者が受諾しなければならないものをいう。

(6)The term "Special Conciliation Proposal" as used in paragraph (2), item (v) means, except for the following cases, a settlement proposal which the Member Money Lender has to accept:

７業務規程の変更は、内閣総理大臣の認可を受けなければ、その効力を生じない。

(7)Changes to the Operational Rules are not to be effective without the authorization of the Prime Minister.

８内閣総理大臣は、前項の規定による認可をしようとするときは、当該認可に係る業務規程が第四項各号及び第五項各号に掲げる基準（紛争解決手続の業務に係る部分に限る。）に適合していることについて、あらかじめ、法務大臣に協議しなければならない。

(8)When the Prime Minister wishes to grant the authorization under the preceding paragraph, the Prime Minister must consult the Minister of Justice in advance as to whether the Operational Rules subject to the relevant authorization conform to the criteria set forth in the items of paragraph (4) and the items of paragraph (5) (limited to the part related to the operation of Dispute Resolution Procedures).

第四十一条の四十五指定紛争解決機関は、手続実施基本契約により加入貸金業者が負担する義務の不履行が生じた場合において、当該加入貸金業者の意見を聴き、当該不履行につき正当な理由がないと認めるときは、遅滞なく、当該加入貸金業者の商号、名称又は氏名及び当該不履行の事実を公表するとともに、その登録をした内閣総理大臣又は都道府県知事に報告しなければならない。

Article 41-45(1)In cases where non-performance of the obligations to be incurred by a Member Money Lender under a Basic Contract for Implementation of Dispute Resolution Procedures occurs, when a Designated Dispute Resolution Organization has heard opinions from the relevant Member Money Lender and finds there are no justifiable grounds for that non-performance, the relevant Designated Dispute Resolution Organization must make public and report to the Prime Minister or prefectural governor who registered the relevant Member Money Lender the trade name or name of the relevant Member Money Lender and the fact of that non-performance, without delay.

２指定紛争解決機関は、貸金業務関連苦情及び貸金業務関連紛争を未然に防止し、並びに貸金業務関連苦情の処理及び貸金業務関連紛争の解決を促進するため、加入貸金業者その他の者に対し、情報の提供、相談その他の援助を行うよう努めなければならない。

(2)A Designated Dispute Resolution Organization must strive to provide information, consultation, or any other support to a Member Money Lender or any other person to preemptively prevent Complaints Related to Money Lending Operations and Disputes Related to Money Lending Operations, and to promote the processing of Complaints Related to Money Lending Operations and the resolution of Disputes Related to Money Lending Operations.

第四十一条の四十六指定紛争解決機関は、暴力団員等を紛争解決等業務に従事させ、又は紛争解決等業務の補助者として使用してはならない。

Article 41-46A Designated Dispute Resolution Organization must not have an Organized Crime Group Member, etc. engage in Dispute Resolution Services or act as assistants for Dispute Resolution Services.

第四十一条の四十七指定紛争解決機関は、特定の加入貸金業者に対し不当な差別的取扱いをしてはならない。

Article 41-47No Designated Dispute Resolution Organization must treat not any particular Member Money Lender in an unjust and discriminatory way.

第四十一条の四十八指定紛争解決機関は、第四十一条の五十第九項の規定によるもののほか、内閣府令で定めるところにより、紛争解決等業務に関する記録を作成し、これを保存しなければならない。

Article 41-48A Designated Dispute Resolution Organization must, prepare and preserve records of its Dispute Resolution Services, pursuant to the provisions of a Cabinet Office Order as well as the provisions of Article 41-50, paragraph (9).

第四十一条の四十九指定紛争解決機関は、加入貸金業者に係る資金需要者等から貸金業務関連苦情について解決の申立てがあつたときは、その相談に応じ、当該資金需要者等に必要な助言をし、当該貸金業務関連苦情に係る事情を調査するとともに、当該加入貸金業者に対し、当該貸金業務関連苦情の内容を通知してその迅速な処理を求めなければならない。

Article 41-49When a Person Seeking Funds, etc. of the Member Money Lender files an application for the resolution of a Complaint Related to Money Lending Operations, a Designated Dispute Resolution Organization must respond to the request, giving the necessary advice to the Person Seeking Funds, etc. and investigating the circumstances pertaining to the Complaint Related to Money Lending Operations, as well as notifying the relevant Member Money Lender of the details of the Complaint Related to Money Lending Operations and requesting the prompt handling thereof.

第四十一条の五十加入貸金業者に係る貸金業務関連紛争の解決を図るため、当事者は、当該加入貸金業者が手続実施基本契約を締結した指定紛争解決機関に対し、紛争解決手続の申立てをすることができる。

Article 41-50(1)The Parties to the Dispute Related to Money Lending Operations may file an application for Dispute Resolution Procedures with the Designated Dispute Resolution Organization with whom the Member Money Lender has concluded a Basic Contract for Implementation of Dispute Resolution Procedures for the purpose of resolving the Dispute Related to Money Lending Operations related to the Member Money Lender.

２指定紛争解決機関は、前項の申立てを受けたときは、紛争解決委員を選任するものとする。

(2)When a Designated Dispute Resolution Organization has received the application under the preceding paragraph, it is to appoint Dispute Resolution Mediators.

３紛争解決委員は、人格が高潔で識見の高い者であつて、次の各号のいずれかに該当する者（第一項の申立てに係る当事者と利害関係を有する者を除く。）のうちから選任されるものとする。この場合において、紛争解決委員のうち少なくとも一人は、第一号又は第三号（当該申立てが司法書士法第三条第一項第七号に規定する紛争に係るものである場合にあつては、第一号、第三号又は第四号）のいずれかに該当する者でなければならない。

(3)Dispute Resolution Mediators must be appointed from among persons who are of the highest moral character and who fall under any of the following items (excluding persons who have an interest in the Parties subject to the application under paragraph (1)).In this case, at least one of the Dispute Resolution Mediators is to be a person who falls under item (i) or (iii) (if the relevant application is that pertaining to a dispute provided in Article 3, paragraph (1), item (vii) of the Judicial Scrivener Act, item (i), (iii) or (iv)):

４指定紛争解決機関は、第一項の申立てを第二項の規定により選任した紛争解決委員（以下この条及び次条第一項において単に「紛争解決委員」という。）による紛争解決手続に付するものとする。ただし、紛争解決委員は、当該申立てに係る当事者である加入貸金業者に係る資金需要者等が当該貸金業務関連紛争を適切に解決するに足りる能力を有する者であると認められることその他の事由により紛争解決手続を行うのに適当でないと認めるとき、又は当事者が不当な目的でみだりに第一項の申立てをしたと認めるときは、紛争解決手続を実施しないものとし、紛争解決委員が当該申立てを受託紛争解決機関における紛争解決手続に相当する手続に付することが適当と認めるときは、指定紛争解決機関は、受託紛争解決機関に紛争解決手続の業務を委託するものとする。

(4)A Designated Dispute Resolution Organization is to have the application under paragraph (1) proceed into Dispute Resolution Procedures carried out by the Dispute Resolution Mediators appointed under paragraph (2) (hereinafter simply referred to as the "Dispute Resolution Mediators" in this Article and paragraph (1) of the following Article); provided, however, that if the Dispute Resolution Mediators find that it is not appropriate to carry out Dispute Resolution Procedures due to it being found that the Persons Seeking Funds, etc. of the Member Money Lender who is a Party under that application has sufficient ability to properly resolve the Dispute Related to Money Lending Operations or due to any other grounds, or if the Dispute Resolution Mediators find that a Party has filed the application referred to in paragraph (1) for unjust purposes and without due cause, they are not to implement Dispute Resolution Procedures, and if the Dispute Resolution Mediators find it to be appropriate to have the application proceed into procedures equivalent to Dispute Resolution Procedures to be conducted by an Entrusted Dispute Resolution Organization, the Designated Dispute Resolution Organization is to entrust the operations of Dispute Resolution Procedures to an Entrusted Dispute Resolution Organization.

５前項ただし書の規定により紛争解決委員が紛争解決手続を実施しないこととしたとき、又は受託紛争解決機関に業務を委託することとしたときは、指定紛争解決機関は、第一項の申立てをした者に対し、その旨を理由を付して通知するものとする。

(5)When the Dispute Resolution Mediators have decided not to implement Dispute Resolution Procedures pursuant to the proviso to the preceding paragraph, or when they have decided to entrust the operations to an Entrusted Dispute Resolution Organization, the Designated Dispute Resolution Organization is to notify the person who made the application under paragraph (1) to that effect with the reasons therefor attached thereto.

６紛争解決委員は、当事者若しくは参考人から意見を聴取し、若しくは報告書の提出を求め、又は当事者から参考となるべき帳簿書類その他の物件の提出を求め、和解案を作成して、その受諾を勧告し、又は特別調停（第四十一条の四十四第六項に規定する特別調停案を提示することをいう。）をすることができる。

(6)Dispute Resolution Mediators may hear opinions of the Parties or witnesses, request the relevant persons to submit written reports, or request that the Parties submit books and documents and other articles that will be helpful, and may prepare a settlement proposal and recommend that the Parties accept the relevant proposal or provide a Special Conciliation (meaning to present the Special Conciliation Proposal prescribed in Article 41-44, paragraph (6)).

７紛争解決手続は、公開しない。ただし、紛争解決委員は、当事者の同意を得て、相当と認める者の傍聴を許すことができる。

(7)Dispute Resolution Procedures are not open to the public; provided, however, that Dispute Resolution Mediators may allow the attendance of a person who is considered to be appropriate with the consent of the Parties.

８指定紛争解決機関は、紛争解決手続の開始に先立ち、当事者である加入貸金業者に係る資金需要者等に対し、内閣府令で定めるところにより、次に掲げる事項について、これを記載した書面を交付し、又はこれを記録した電磁的記録を提供して説明をしなければならない。

(8)A Designated Dispute Resolution Organization, prior to the commencement of Dispute Resolution Procedures and pursuant to the provisions of a Cabinet Office Order, must deliver a document containing the following matters or provide an electronic or magnetic record recording the matters and give an explanation thereof to the Person Seeking Funds, etc. of the Member Money Lender who is a Party to the dispute:

９指定紛争解決機関は、内閣府令で定めるところにより、その実施した紛争解決手続に関し、次に掲げる事項を記載した手続実施記録を作成し、保存しなければならない。

(9)A Designated Dispute Resolution Organization, pursuant to the provisions of a Cabinet Office Order, must prepare and preserve the dispute resolution procedure record containing the following matters with regard to the Dispute Resolution Procedures it implemented:

第四十一条の五十一紛争解決手続によつては貸金業務関連紛争の当事者間に和解が成立する見込みがないことを理由に紛争解決委員が当該紛争解決手続を終了した場合において、当該紛争解決手続の申立てをした当該貸金業務関連紛争の当事者がその旨の通知を受けた日から一月以内に当該紛争解決手続の目的となつた請求について訴えを提起したときは、時効の中断に関しては、当該紛争解決手続における請求の時に、訴えの提起があつたものとみなす。

Article 41-51(1)In cases where the Dispute Resolution Mediators have terminated the Dispute Resolution Procedures on the grounds that there is no prospect of reaching a settlement between the Parties to the relevant Dispute Related to Money Lending Operations through the Dispute Resolution Procedures, when the Party to the relevant Dispute Related to Money Lending Operations that filed the application for the relevant Dispute Resolution Procedures files an action for the claims which were the subject matter of the relevant Dispute Resolution Procedures within one month from the day on which that Party receives notice of the termination, it is deemed that an action has been filed at the time when the claim was made through the Dispute Resolution Procedures in terms of the interruption of prescription.

２指定紛争解決機関の紛争解決等業務の廃止が第四十一条の六十第一項の規定により認可され、又は第四十一条の三十九第一項の規定による指定が第四十一条の六十一第一項の規定により取り消され、かつ、その認可又は取消しの日に紛争解決手続が実施されていた貸金業務関連紛争がある場合において、当該紛争解決手続の申立てをした当該貸金業務関連紛争の当事者が第四十一条の六十第三項若しくは第四十一条の六十一第四項の規定による通知を受けた日又は当該認可若しくは取消しを知つた日のいずれか早い日から一月以内に当該紛争解決手続の目的となつた請求について訴えを提起したときも、前項と同様とする。

(2)The provisions of the preceding paragraph also apply if the abolition of Dispute Resolution Services of a Designated Dispute Resolution Organization has been authorized under Article 41-60, paragraph (1) or the designation under Article 41-39, paragraph (1) has been rescinded under Article 41-61, paragraph (1) and there is a Dispute Related to Money Lending Operations for which Dispute Resolution Procedures had been implemented as of the day of authorization or rescission, when the Party to the Dispute Related to Money Lending Operations that had filed an application for Dispute Resolution Procedures files an action for the claims which were the subject matter of the Dispute Resolution Procedures within one month from the day on which the relevant Party received the notice under Article 41-60, paragraph (3) or Article 41-61, paragraph (4) or the day on which the Party came to know of the authorization or rescission whichever comes earlier.

第四十一条の五十二貸金業務関連紛争について当該貸金業務関連紛争の当事者間に訴訟が係属する場合において、次の各号のいずれかに掲げる事由があり、かつ、当該貸金業務関連紛争の当事者の共同の申立てがあるときは、受訴裁判所は、四月以内の期間を定めて訴訟手続を中止する旨の決定をすることができる。

Article 41-52(1)In cases where a suit is pending between the Parties to a Dispute Related to Money Lending Operations with regard to the relevant Dispute Related to Money Lending Operations, when there are any of the following grounds and the Parties to the relevant Dispute Related to Money Lending Operations have filed a joint application, the court in charge of the case may make a decision to the effect that the court proceeding(s) is to be suspended for a fixed period of no longer than four months:

２受訴裁判所は、いつでも前項の決定を取り消すことができる。

(2)The court in charge of the case may rescind the decision under the preceding paragraph at any time.

３第一項の申立てを却下する決定及び前項の規定により第一項の決定を取り消す決定に対しては、不服を申し立てることができない。

(3)No appeal may be entered against a decision dismissing the application under paragraph (1) or a decision rescinding the decision under paragraph (1).

第四十一条の五十三指定紛争解決機関は、加入貸金業者の名簿を公衆の縦覧に供しなければならない。

Article 41-53A Designated Dispute Resolution Organization is to make the Member Money Lenders' registry available for public inspection.

第四十一条の五十四指定紛争解決機関でない者（金融商品取引法（昭和二十三年法律第二十五号）第百五十六条の三十九第一項の規定による指定を受けた者その他これに類する者として政令で定めるものを除く。）は、その名称又は商号中に、指定紛争解決機関と誤認されるおそれのある文字を用いてはならない。

Article 41-54No person other than a Designated Dispute Resolution Organization (excluding those designated under Article 156-39, paragraph (1) of the Financial Instruments and Exchange Act (Act No. 25 of 1948) and any other persons specified by Cabinet Order as those similar thereto) is to use in its name or trade name any term due to which the person is likely to be mistaken as a Designated Dispute Resolution Organization.

第四十一条の五十五指定紛争解決機関は、第四十一条の四十第一項各号に掲げる事項に変更があつたときは、その旨を内閣総理大臣に届け出なければならない。

Article 41-55(1)When any of the matters listed in the items of Article 41-40, paragraph (1) has been changed, a Designated Dispute Resolution Organization must notify the Prime Minister to that effect.

２内閣総理大臣は、前項の規定により指定紛争解決機関の商号若しくは名称又は主たる営業所若しくは事務所の所在地の変更の届出があつたときは、その旨を官報で公示しなければならない。

(2)When a notification of a change to the trade name or name or the location of the principal business office or office of a Designated Dispute Resolution Organization has been made under the preceding paragraph, the Prime Minister must give public notice to that effect in the Official Gazette.

第四十一条の五十六指定紛争解決機関は、次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。

Article 41-56When a Designated Dispute Resolution Organization falls under any of the following items, it must notify the Prime Minister to that effect as provided by a Cabinet Office Order:

第四十一条の五十七指定紛争解決機関は、事業年度ごとに、当該事業年度に係る紛争解決等業務に関する報告書を作成し、内閣総理大臣に提出しなければならない。

Article 41-57(1)A Designated Dispute Resolution Organization must prepare reports on Dispute Resolution Services each business year, and must submit them to the Prime Minister.

２前項の報告書に関する記載事項、提出期日その他必要な事項は、内閣府令で定める。

(2)Matters to be stated, the date of submission, and any other necessary matters in relation to the reports set forth in the preceding paragraph is specified by a Cabinet Office Order.

第四十一条の五十八内閣総理大臣は、紛争解決等業務の公正かつ的確な遂行のため必要があると認めるときは、指定紛争解決機関に対し、その業務に関して報告若しくは資料の提出を命じ、又は当該職員に、指定紛争解決機関の営業所若しくは事務所その他の施設に立ち入らせ、当該指定紛争解決機関の業務の状況に関し質問させ、若しくは帳簿書類その他の物件を検査させることができる。

Article 41-58(1)When the Prime Minister finds it necessary for the fair and appropriate implementation of Dispute Resolution Services, the Prime Minister may order a Designated Dispute Resolution Organization to submit reports or materials with regard to the business thereof, and may have the relevant officials enter the Designated Dispute Resolution Organization's business office, office or other facilities, ask questions with regard to the status of the business of the relevant Designated Dispute Resolution Organization, and inspect books, documents, and any other articles.

２内閣総理大臣は、紛争解決等業務の公正かつ的確な遂行のため特に必要があると認めるときは、その必要の限度において、指定紛争解決機関の加入貸金業者若しくは当該指定紛争解決機関から業務の委託を受けた者に対し、当該指定紛争解決機関の業務に関し参考となるべき報告若しくは資料の提出を命じ、又は当該職員に、これらの者の営業所若しくは事務所その他の施設に立ち入らせ、当該指定紛争解決機関の業務の状況に関して質問させ、若しくはこれらの者の帳簿書類その他の物件を検査させることができる。

(2)When the Prime Minister finds it particularly necessary for the fair and appropriate implementation of Dispute Resolution Services, the Prime Minister may, within the extent necessary, order the Member Money Lender of a Designated Dispute Resolution Organization or a person that a Designated Dispute Resolution Organization has entrusted with its business to submit reports or materials that are informative with regard to the Designated Dispute Resolution Organization's business, and may have the relevant officials enter the business office, office or any other facilities of the aforementioned persons, ask questions with regard to the status of the Designated Dispute Resolution Organization's business, and inspect books, documents, and any other articles of these persons.

３前二項の規定により立入検査をする職員は、その身分を示す証明書を携帯し、関係者の請求があつたときは、これを提示しなければならない。

(3)An official who conducts an on-site inspection pursuant to the provisions of the preceding two paragraphs must carry a certificate of identification and present it when requested by any person concerned.

４第一項及び第二項の規定による立入検査の権限は、犯罪捜査のために認められたものと解してはならない。

(4)The authority to conduct on-site inspections under the provisions of paragraph (1) and paragraph (2) must not be construed as being for criminal investigation.

第四十一条の五十九内閣総理大臣は、指定紛争解決機関の紛争解決等業務の運営に関し、紛争解決等業務の公正かつ的確な遂行を確保するため必要があると認めるときは、その必要の限度において、当該指定紛争解決機関に対して、その業務の運営の改善に必要な措置を命ずることができる。

Article 41-59(1)With regard to the operation of the Dispute Resolution Services of a Designated Dispute Resolution Organization, when the Prime Minister finds it necessary for ensuring the fair and appropriate implementation of the Dispute Resolution Services, the Prime Minister may, within the extent necessary, order the relevant Designated Dispute Resolution Organization to take measures necessary to improve its business operations.

２内閣総理大臣は、指定紛争解決機関が次の各号のいずれかに該当する場合において、前項の規定による命令をしようとするときは、あらかじめ、法務大臣に協議しなければならない。

(2)In cases where a Designated Dispute Resolution Organization falls under any of the following items, when the Prime Minister wishes to give the order under the preceding paragraph, the Prime Minister must consult with the Minister of Justice in advance:

第四十一条の六十指定紛争解決機関は、紛争解決等業務の全部若しくは一部の休止（次項に規定する理由によるものを除く。）をし、又は廃止をしようとするときは、内閣総理大臣の認可を受けなければならない。

Article 41-60(1)When a Designated Dispute Resolution Organization intends to suspend or abolish its Dispute Resolution Services in whole or in part (excluding those based on the grounds in the following paragraph), it must obtain authorization from the Prime Minister.

２指定紛争解決機関が、天災その他のやむを得ない理由により紛争解決等業務の全部又は一部の休止をした場合には、直ちにその旨を、理由を付して内閣総理大臣に届け出なければならない。指定紛争解決機関が当該休止をした当該紛争解決等業務の全部又は一部を再開するときも、同様とする。

(2)When, as a result of a natural disaster or for any other compelling reason, a Designated Dispute Resolution Organization has suspended its Dispute Resolution Services in whole or in part, it must immediately make a notification to the Prime Minister to that effect and is to indicate the reason therefor. The same applies when the Designated Dispute Resolution Organization resumes the suspended Dispute Resolution Services in whole or in part.

３第一項の規定による休止若しくは廃止の認可を受け、又は前項の休止をした指定紛争解決機関は、当該休止又は廃止の日から二週間以内に、当該休止又は廃止の日に苦情処理手続又は紛争解決手続（他の指定紛争解決機関又は他の法律の規定による指定であつて紛争解決等業務に相当する業務に係るものとして政令で定めるものを受けた者（以下この項において「委託紛争解決機関」という。）から業務の委託を受けている場合における当該委託に係る当該委託紛争解決機関の苦情を処理する手続又は紛争の解決を図る手続を含む。次条第四項において同じ。）が実施されていた当事者、当該当事者以外の加入貸金業者及び他の指定紛争解決機関に当該休止又は廃止をした旨を通知しなければならない。指定紛争解決機関が当該休止をした当該紛争解決等業務の全部又は一部を再開するときも、同様とする。

(3)A Designated Dispute Resolution Organization that has obtained the authorization for suspension or abolition under paragraph (1) or that has carried out the suspension under the preceding paragraph must give notice to the Parties for which Complaint Processing Procedures or Dispute Resolution Procedures (if the Designated Dispute Resolution Organization has been entrusted with the business by another Designated Dispute Resolution Organization or a person that has received a designation under the provisions of other laws which is specified by Cabinet Order as being related to business equivalent to Dispute Resolution Services (hereinafter collectively referred to as the "Entrusting Dispute Resolution Organization" in this paragraph), including procedures for processing complaints of the Entrusting Dispute Resolution Organization related to the entrustment or procedures for seeking the resolution of disputes; the same applies in paragraph (4) of the following Article) have been implemented as of the day of the relevant suspension or abolition, the Member Money Lenders other than the relevant Parties, and other Designated Dispute Resolution Organizations, of the fact of the suspension or abolition within two weeks from the day of the relevant suspension or abolition. The same applies when the Designated Dispute Resolution Organization resumes the suspended Dispute Resolution Services in whole or in part.

第四十一条の六十一内閣総理大臣は、指定紛争解決機関が次の各号のいずれかに該当するときは、第四十一条の三十九第一項の規定による指定を取り消し、又は六月以内の期間を定めて、その業務の全部若しくは一部の停止を命ずることができる。

Article 41-61(1)When a Designated Dispute Resolution Organization falls under any of the following items, the Prime Minister may rescind the designation under Article 41-39, paragraph (1) or may order the relevant Designated Dispute Resolution Organization to suspend its business operations in whole or in part for a fixed period of no longer than six months:

２内閣総理大臣は、指定紛争解決機関が次の各号のいずれかに該当する場合において、前項の規定による処分又は命令をしようとするときは、あらかじめ、法務大臣に協議しなければならない。

(2)If a Designated Dispute Resolution Organization falls under any of the following items, when the Prime Minister wishes to make a disposition or order under the preceding paragraph, the Prime Minister must consult with the Minister of Justice in advance:

３内閣総理大臣は、第一項の規定により第四十一条の三十九第一項の規定による指定を取り消したときは、その旨を官報で公示しなければならない。

(3)When the Prime Minister has rescinded a designation under Article 41-39, paragraph (1) pursuant to the provisions of paragraph (1), the Prime Minister must give public notice to that effect in the Official Gazette.

４第一項の規定により第四十一条の三十九第一項の規定による指定の取消しの処分を受け、又はその業務の全部若しくは一部の停止の命令を受けた者は、当該処分又は命令の日から二週間以内に、当該処分又は命令の日に苦情処理手続又は紛争解決手続が実施されていた当事者、当該当事者以外の加入貸金業者及び他の指定紛争解決機関に当該処分又は命令を受けた旨を通知しなければならない。

(4)Any person that has been issued a disposition for rescission of the designation under Article 41-39, paragraph (1) or an order for suspension of all or part of its business pursuant to the provisions of paragraph (1), within two weeks from the day of the relevant disposition or order, must give notice to the Parties for which Complaint Processing Procedures or Dispute Resolution Procedures had been implemented as of the day of the relevant disposition or order, Member Money Lenders other than the Parties, and other Designated Dispute Resolution Organizations to the effect that it has been issued the disposition or order.