出資の受入れ、預り金及び金利等の取締りに関する法律(昭和二十九年法律第百九十五号)
Act Regulating the Receipt of Contributions, Receipt of Deposits and Interest Rates(Act No. 195 of 1954)
最終更新:平成十八年法律第百十五号
Last Version: Act No. 115 of 2006
TOC
History
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▶Main Provision
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December 28, 2021
- Last Version: Act No. 85 of 2007
- Translated Date: November 11, 2011
- Dictionary Version: 14.0
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March 23, 2010
- Last Version: Act No. 115 of 2006
- Translated Date: February 19, 2010
- Dictionary Version: 3.0
出資の受入れ、預り金及び金利等の取締りに関する法律
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Act Regulating the Receipt of Contributions, Receipt of Deposits and Interest Rates
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昭和二十九年六月二十三日法律第百九十五号
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Act No. 195 of June 23, 1954
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(出資金の受入の制限)
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(Restrictions on the receipt of contributions)
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第一条何人も、不特定且つ多数の者に対し、後日出資の払いもどしとして出資金の全額若しくはこれをこえる金額に相当する金銭を支払うべき旨を明示し、又は暗黙のうちに示して、出資金の受入をしてはならない。
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Article 1No person shall receive a contribution, indicating or implying to numerous, unspecified persons that the entire amount of the contribution or money equivalent to an amount exceeding the contribution will be refunded, as reimbursement, at a later date.
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(預り金の禁止)
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(Prohibition of receipt of deposits of money)
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第二条業として預り金をするにつき他の法律に特別の規定のある者を除く外、何人も業として預り金をしてはならない。
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Article 2(1)No person (except those permitted by special provisions in other Acts) shall, on a regular basis, receive deposits of money.
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一預金、貯金又は定期積金の受入れ
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(i)Receipt of deposits, savings or time installment savings.
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二社債、借入金その他何らの名義をもつてするを問わず、前号に掲げるものと同様の経済的性質を有するもの
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(ii)Company bonds, borrowings or other things under any other name that have the same economic nature as the things prescribed in the preceding item.
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(浮貸し等の禁止)
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(Prohibition of the loan of money utilizing a position)
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第三条金融機関(銀行、信託会社、保険会社、信用金庫、信用金庫連合会、労働金庫、労働金庫連合会、農林中央金庫、商工組合中央金庫並びに信用協同組合及び農業協同組合、水産業協同組合その他の貯金の受入れを行う組合をいう。)の役員、職員その他の従業者は、その地位を利用し、自己又は当該金融機関以外の第三者の利益を図るため、金銭の貸付、金銭の貸借の媒介又は債務の保証をしてはならない。
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Article 3No officer, employee or any other person working for a financial institution (bank, trust company, insurance company, credit union, association of credit unions, labor bank, association of labor banks, the agricultural and forestry central bank, the commerce and industrial association central bank, the credit cooperative association bank, agricultural cooperative association bank, fishery cooperative association bank or other associations that accept savings) shall lend money to other persons, mediate in loans or guarantee obligations utilizing his/her position for the purpose of promoting his/her own interest or the interest of a third party other than the financial institution concerned.
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(金銭貸借の媒介手数料の制限)
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(Restrictions on commission charges for the mediation of money loans)
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第四条金銭の貸借の媒介を行う者は、その媒介に係る貸借の金額の百分の五に相当する金額をこえる手数料の契約をし、又はこれをこえる手数料を受領してはならない。
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Article 4(1)A person who mediates for money loans must not form a contract to receive a commission charge or accept a commission charge exceeding five percent of the amount of the money lent in the mediation.
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(高金利の処罰)
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(Punishment of high interest rates)
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第五条金銭の貸付けを行う者が、年百九・五パーセント(二月二十九日を含む一年については年百九・八パーセントとし、一日当たりについては〇・三パーセントとする。)を超える割合による利息(債務の不履行について予定される賠償額を含む。以下同じ。)の契約をしたときは、五年以下の懲役若しくは千万円以下の罰金に処し、又はこれを併科する。当該割合を超える割合による利息を受領し、又はその支払を要求した者も、同様とする。
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Article 5(1)When a person lending money forms a contract to receive annual interest (including the amount of liquidated damages with respect to failure to perform the obligation, the same shall apply hereinafter) exceeding 109.5 percent (109.8 percent provided that the year includes 29 February, daily interest exceeding 0.3 percent), he or she shall be punished by imprisonment with work for not more than five years or a fine of not more than 10,000,000 yen, or both.The same shall apply to a person who receives or demands such interest.
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(2)When a person lending money on a regular basis forms a contract to receive annual interest exceeding 29.2 percent (29.28 percent provided that the year includes 29 February, daily interest exceeding 0.08 percent), he or she shall be punished by imprisonment with work for not more than five years or a fine of not more than 10,000,000 yen, or both, notwithstanding the preceding paragraph.The same shall apply when he/she receives or demands such interest in connection with the loan.
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(3)When a person lending money on a regular basis forms a contract to receive annual interest exceeding 109.5 percent (109.8 percent provided that the year includes 29 February, daily interest exceeding 0.3 percent), he or she shall be punished by imprisonment with work for not more than 10 years or a fine of not more than 30,000,000 yen, or both, notwithstanding the two preceding paragraphs.The same shall apply when he/she receives or demands such interest in connection with the loan.
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(6)With regard to the application of the provisions of paragraphs (1) to (3), in cases where a person forms a contract incorporating interest of less than one year into the principal, out of the total principal and interest, the amount exceeding the original principal shall be deemed to be the interest.
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(7)With regard to the application of the provisions of the respective first sentences of paragraphs (1) to (3), the money, whether named a reward, a discount charge, commission charge or inspection fee or any other name that a person loaning money receives in connection with the loan shall be deemed to be interest.With regard to the application of the provisions of the respective second sentences of paragraphs (1) to (3), the money (except the principal) which a person accepting or demanding for payment of the loan receives in connection with the acceptance or demand shall also be deemed to be interest.
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(物価統制令との関係)
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(Relation to the Price Control Imperial Ordinance)
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第六条金銭の貸付についての利息及び金銭の貸借の媒介についての手数料に関しては、物価統制令(昭和二十一年勅令第百十八号)第九条ノ二(不当高価契約等の禁止)の規定は、適用しない。
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Article 6Concerning the interest rate of money loans or the commission charge for the mediation of money loans, the provision of Article 9-2 of the Price Control Imperial Ordinance (Imperial Ordinance No. 118 of 1946) is not applicable.
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(金銭の貸付け等とみなす場合)
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(Cases where the delivery or receipt of money shall be deemed to be a loan of money)
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第七条第三条から前条までの規定の適用については、手形の割引、売渡担保その他これらに類する方法によつてする金銭の交付又は授受は、金銭の貸付け又は金銭の貸借とみなす。
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Article 7With regard to the application of the provisions of Article 3 to Article 6, the delivery or receipt of money in connection with discounts for notes, mortgages by transfer or any other similar contracts shall be deemed to be the loan of money.
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(その他の罰則)
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(Other penal provisions)
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第八条何らの名義をもつてするを問わず、また、いかなる方法をもつてするを問わず、第五条第一項又は第二項の規定に係る禁止を免れる行為をした者は、五年以下の懲役若しくは千万円以下の罰金に処し、又はこれを併科する。
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Article 8(1)A person who avoids, through any name or way, the prohibitions prescribed in any provision of Article 5 (1) or (2) shall be punished by imprisonment with work for not more than five years or a fine of not more than 10,000,000 yen, or both.
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一第一条、第二条第一項、第三条又は第四条第一項の規定に違反した者
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(i)A person who violates any provision of Article 1, Article 2 (1), Article 3 or Article 4 (1); or
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二何らの名義をもつてするを問わず、また、いかなる方法をもつてするを問わず、前号に掲げる規定に係る禁止を免れる行為をした者
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(ii)A person who avoids, through any name or way, the prohibitions prescribed in any of the provisions listed in the preceding item.
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(4)The parts pertaining to Article 1 or Article 3 in the provisions set forth in the preceding paragraph shall not apply when there are applicable provisions in the Penal Code (Act No. 45 of 1907).
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Article 9(1)In cases where the representative of a juridical person (including an association or foundation that is not a juridical person, that has rules concerning the representative or administrator, hereinafter the same shall apply in this paragraph and the following paragraph), the agent of a juridical person or an individual, the employee of a juridical person or an individual, or any other person working for a juridical person or an individual has committed any of the crimes set forth in any of the provisions of the following items with regard to the business of said juridical person or said individual, not only the offender shall be punished, but also said juridical person shall be punished by the fine specified by the respective items, or the individual shall be punished by the fine prescribed in the relevant Articles:
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一第五条第一項若しくは第二項又は前条第一項三千万円以下の罰金刑
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(i)Article 5 (1) or (2) or Article 8 (1):a fine of not more than 30,000,000 yen.
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二第五条第三項又は前条第二項一億円以下の罰金刑
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(ii)Article 5 (3) or Article 8 (2):a fine of not more than 100,000,000 yen.
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三前条第三項(第三条に係る部分を除く。)同項の罰金刑
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(iii)Article 8 (3) (except the part pertaining to Article 3):the fine prescribed in said paragraph.
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(2)The statute of limitations in cases where a fine is imposed on a juridical person or an individual for an act of violation under Article 5 (1) to (3) or Article 8 (1) or (2) pursuant to the provision of the preceding paragraph shall be the statute of limitations for the crimes in these provisions.
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(3)In the case of punishment of an association or foundation that is not a juridical person pursuant to the provision of paragraph (1), the representative or administrator thereof shall represent the organization for the procedural act, and the provisions of the act on criminal procedure suits in cases where a juridical person is the accused shall apply mutatis mutandis.
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