第三十六条法第三十条第一項の規定により同項各号に掲げる事項に係る情報を提供するときは、次の各号に定めるところによらなければならない。

Article 36(1)When a comprehensive credit purchase intermediary provides information pertaining to the matters set forth in the items of Article 30, paragraph (1) of the Act pursuant to the provisions of that paragraph, it shall follow the rules specified in the following items:

２前項第二号の情報通信の技術を利用する方法は、次に掲げる方法とする。

(2)The phrase "method utilizing information communication technology" in item (ii) of the preceding paragraph shall be the following methods:

３前項に掲げる方法は、次に掲げる基準に適合するものでなければならない。

(3)The means listed in the preceding paragraph shall comply with the following standards:

４この条から第三十七条の二まで、第五十条、第五十二条から第五十三条の二まで、第五十五条の二から第五十五条の四まで、第六十八条の六及び第六十八条の七の「電子情報処理組織」とは、包括信用購入あつせん業者の使用に係る電子計算機と、利用者の使用に係る電子計算機とを電気通信回線で接続した電子情報処理組織をいう。

(4)In this Article to Article 37-2, Article 50, Article 52 to Article 53-2, Article 55-2 to Article 55-4, and Article 68-6 to Article 68-7, "electronic data processing system" means an electronic data processing system that is connected by a telecommunications line between a computer used by a comprehensive credit purchase intermediary and a computer used by a user.

５法第三十条第一項第二号の経済産業省令・内閣府令で定める方法は、別表第一第一号に定める方法とする。ただし、支払分の支払の方法が、支払の間隔については第一号に、額については第二号に該当する場合以外の場合にあつては、同表第二号に定める方法とすることができる。

(5)The method specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30, paragraph (1), item (ii) of the Act shall be the method specified in row (i) of appended table 1; provided, however, that said method may be the method specified in row (ii) of said table in cases where the interval of making payments is other than those specified in item (i), and the amount of the payments is other than those specified in item (ii):

６法第三十条第一項第三号の経済産業省令・内閣府令で定める事項は、次のとおりとする。

(6)The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30, paragraph (1), item (iii) of the Act shall be as follows:

第三十七条法第三十条第二項の規定により同項各号に掲げる事項に係る情報を提供するときは、次の各号に定めるところによらなければならない。

Article 37(1)When a comprehensive credit purchase intermediary provides information pertaining to the matters set forth in the items of Article 30, paragraph (2) of the Act pursuant to the said paragraph, it shall follow the rules specified in the following items:

２前項第二号の情報通信の技術を利用する方法は、前条第二項に掲げる方法とする。

(2)The phrase "method utilizing information communication technology" in item (ii) of the preceding paragraph shall be the means listed in paragraph (2) of the preceding Article:

３前項の方法は、前条第三項に掲げる基準に適合するものでなければならない。

(3)The means in the preceding paragraph shall comply with the standards listed in paragraph (3) of the preceding Article:

４法第三十条第二項第二号の経済産業省令・内閣府令で定める方法は、別表第一第三号に定める方法とする。

(4)The method specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30, paragraph (2), item (ii) of the Act shall be the method specified in row (iii) of appended table 1.

５法第三十条第二項第三号の経済産業省令・内閣府令で定める事項は、次のとおりとする。

(5)The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30, paragraph (2), item (iii) of the Act shall be as follows:

第三十七条の二法第三十条第三項の規定により同条第一項各号又は同条第二項各号の事項を記載した書面（利用者に適用される包括信用購入あつせんの取引条件に係るものに限る。）を交付するときは、第三十六条第一項、第五項及び第六項又は前条第一項、第四項及び第五項の規定を準用する。

Article 37-2(1)When delivering a document (limited to documents pertaining to the transaction terms and conditions of the comprehensive credit purchase intermediation applicable to the user) containing the matters set forth in each item of paragraph (1) or each item of paragraph (2) of Article 30 pursuant to the provisions of Article 30, paragraph (3) of the Act, the provisions of paragraph (1), paragraph (5) and paragraph (6) of Article 36 or paragraph (1), paragraph (4) and paragraph (5) of the preceding Article shall apply mutatis mutandis.

２法第三十条第三項ただし書の経済産業省令・内閣府令で定める場合は、次のいずれかに該当する場合とする。

(2)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 30, paragraph (3) of the Act shall be the cases that fall under any of the following:

第三十八条法第三十条第四項の規定により、包括信用購入あつせんをする場合の取引条件について広告するときは、同条第一項各号又は第二項各号の事項について次の各号に定めるところにより表示しなければならない。

Article 38When a comprehensive credit purchase intermediary advertises, pursuant to the provisions of Article 30, paragraph (4) of the Act, the transaction conditions for the intermediation of comprehensive credit purchases, it shall indicate the relevant matters set forth respectively in the items of paragraph (1), or the items of paragraph (2) of said Article as specified in the following items:

第三十九条法第三十条の二第一項本文の経済産業省令・内閣府令で定める事項は、次のとおりとする。

Article 39The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the main clause of Article 30-2, paragraph (1) of the Act shall be as follows:

第四十条法第三十条の二第一項本文の規定により前条各号に掲げる事項を調査する場合であつて、包括信用購入あつせんをするためカード等を利用者に交付し又は付与しようとするときは、次項から第六項までに定めるところによる。

Article 40(1)In cases where a comprehensive credit purchase intermediary investigates the matters listed in the items of the preceding Article, pursuant to the provisions of the main clause of Article 30-2, paragraph (1) of the Act, and when it intends to deliver or grant a card, etc. to a user, it shall follow the rules specified in the following paragraph to paragraph (6).

２前条第一号に掲げる事項の調査については、利用者から受ける年収の申告その他の適切な方法により行わなければならない。ただし、包括信用購入あつせんをするためカード等を他の者の収入又はその収入及び他の者の収入により生計を維持している利用者に交付し又は付与しようとする場合（主として配偶者（婚姻の届出をしていないが事実上婚姻関係と同様の事情にある者を含む。以下同じ。）の収入により生計を維持している者（以下「特定配偶者」という。）以外の者に交付し又は付与しようとする場合にあつては事前に書面その他の適切な方法により当該他の者の同意を得たときに限る。）には、当該他の者から受ける当該他の者の年収の申告その他の適切な方法により、当該利用者及び当該他の者の年収を合算して算定することができる。

(2)An investigation into the matters listed in item (i) of the preceding Article shall be based on a report of annual income by a user or by other appropriate means; provided, however, that in the case where a card, etc. is to be delivered or issued for the purpose of intermediation of comprehensive credit purchases to a user whose livelihood is maintained from the income of another person or the income of the user and the income of another person (in the case where a card, etc. is to be delivered or issued to a person other than a person (hereinafter referred to as a "Specified Spouse") whose livelihood is supported primarily by the income of the spouse (including persons who have not registered their marriage but are living in circumstances equivalent to a de facto marriage; the same shall apply hereinafter), limited to the case where the consent of such other person has been obtained in advance in writing or by other appropriate means), the calculation may be performed by adding the annual income of the user and such other person based on a report of annual income of such other person received from the other person or by other appropriate means:

３前条第二号に掲げる事項の調査については、利用者から受ける預貯金の申告その他の適切な方法により行わなければならない。ただし、包括信用購入あつせんをするためカード等を他の者の収入又はその収入及び他の者の収入により生計を維持している利用者に交付し又は付与しようとする場合（特定配偶者以外の者に交付し又は付与しようとする場合にあつては事前に書面その他の適切な方法により当該他の者の同意を得たときに限る。）には、当該他の者から受ける当該他の者の預貯金の申告その他の適切な方法により、当該利用者及び当該他の者の預貯金を合算して算定することができる。

(3)An investigation into the matters listed in item (ii) of the preceding Article shall be based on a report of the balance of deposits or savings received from the user or by other appropriate means; provided, however, that in the case where a card, etc. is to be delivered or issued for the purpose of intermediation of comprehensive credit purchases to a user whose livelihood is maintained from the income of another person or the income of the user and the income of another person (in the case where a card, etc. is to be delivered or issued to a person other than a Specified Spouse, limited to the case where the consent of such other person has been obtained in advance in writing or by other appropriate means), the calculation may be performed by adding the deposits or savings of the user and such other person based on a report of the deposits or savings of such other person received from the other person or by other appropriate means.:

４前条第三号に掲げる事項の調査については、利用者の当該包括信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して行わなければならない。ただし、包括信用購入あつせんをするためカード等を他の者の収入又はその収入及び他の者の収入により生計を維持している利用者に交付し又は付与しようとする場合であつて、前二項の規定により、当該利用者及び当該他の者の年収又は預貯金を合算して算定するときは、当該他の者から受ける当該他の者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法により、当該利用者及び当該他の者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定しなければならない。

(4)An investigation into the matters listed in item (iii) of the preceding Article shall be carried out by confirming a user's payment status with regard to obligations pertaining to the intermediation of credit purchases to said comprehensive credit purchase intermediary; provided, however, that in the case where a card, etc. is to be delivered or issued for the purpose of intermediation of comprehensive credit purchases to a user whose livelihood is maintained from the income of another person or the income of the user and the income of another person, if the calculation is performed by adding the annual income or deposits or savings of the relevant user and such other person pursuant to the provisions of the preceding two paragraphs, the calculation shall be performed by totaling the obligations of the user and such other person pertaining to intermediation of credit purchases that have not yet come due or for which the payment obligation has not been performed by declaring obligations pertaining to the intermediation of credit purchases received from the other party that have not yet come due or for which the payment obligation has not been performed or by other appropriate means.:

５前条第四号に掲げる事項の調査については、利用者の当該包括信用購入あつせん業者からの借入れの状況その他の当該利用者の借入れの状況を勘案して行わなければならない。

(5)An investigation into the matters listed in item (iv) of the preceding Article shall be carried out by taking into consideration a user's loan status from said comprehensive credit purchase intermediary and any other loan status of the user.

６前条第五号に掲げる事項の調査については、利用者から受ける当該事項の申告その他の適切な方法により行わなければならない。

(6)An investigation into the matters listed in item (v) of the preceding Article shall be carried out based on a report received from the user concerning said matters or by any other appropriate means.

第四十一条法第三十条の二第一項本文の規定により第三十九条各号に掲げる事項を調査する場合であつて、包括信用購入あつせんをするため、利用者に交付し又は付与しているカード等についてそれに係る有効期間（包括信用購入あつせんに係る購入又は受領の方法により商品若しくは権利を購入し、又は役務を受領することができる期間であつて、あらかじめ定められたものをいう。以下同じ。）を更新するためにカード等を当該利用者に交付し又は付与しようとするとき（当該利用者に交付し又は付与しているカード等に付随するカード等（以下「付随カード等」という。）についてそれに係る有効期間を更新するために付随カード等を当該利用者に交付し又は付与しようとするときを除く。）は、前条第二項から第四項まで及び第六項の申告を受けた事項等（変更があつたと認めるときは、その変更後のもの）及び当該利用者の当該包括信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して、並びに当該利用者の借入れの状況を勘案して行わなければならない。

Article 41(1)In cases where a comprehensive credit purchase intermediary investigates the matters listed in the items of Article 39, pursuant to the provisions of the main clause of Article 30-2, paragraph (1) of the Act, and intends to deliver or grant a card, etc. to a user for the purpose of renewing the effective period for a card, etc. already delivered or granted to the user for the intermediation of comprehensive credit purchases (the effective period shall mean the period during which goods or rights can be purchased or services can be received by the method of purchase or receipt pertaining to the intermediation of comprehensive credit purchases, which is specified in advance; the same shall apply hereinafter) (excluding cases where the comprehensive credit purchase intermediary intends to deliver or grant a card, etc. associated with a card, etc. already delivered or granted to the user (hereinafter referred to as an "Associated Card, etc.") for the purpose of renewing the effective period for the Associated Card, etc.), the comprehensive credit purchase intermediary shall confirm the matters reported under paragraphs (2) to (4) and paragraph (6) of the preceding Article (when it is deemed that there has been any change to such matters, the matters after the change) and the user's payment status with regard to obligations pertaining to the intermediation of credit purchases to said comprehensive credit purchase intermediary, and shall take into account the user's loan status.

２前項の調査は、当該有効期間を更新しようとする日の六月前からその更新の日までの間に、一回行えば足りるものとする。

(2)It shall be sufficient to carry out the investigation set forth in the preceding paragraph once during the period between six months prior to the day on which the comprehensive credit purchase intermediary intends to renew said effective period up to the day of the renewal.

第四十二条法第三十条の二第一項本文の規定により第三十九条各号に掲げる事項を調査する場合であつて、利用者に交付し又は付与したカード等についてそれに係る極度額を増額しようとするときは、第四十条第二項から第四項まで及び第六項の申告を受けた事項等（変更があつたと認めるときは、その変更後のもの）及び当該利用者の当該包括信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して、並びに当該利用者の借入れの状況を勘案して行わなければならない。

Article 42In cases where a comprehensive credit purchase intermediary investigates the matters listed in the items of Article 39, pursuant to the provisions of the main clause of Article 30-2, paragraph (1) of the Act, and intends to increase the credit line pertaining to a card, etc. already delivered or granted to a user, the comprehensive credit purchase intermediary shall confirm the matters reported under paragraphs (2) to (4) and paragraph (6) of Article 40 (when it is deemed that there has been any change to such matters, the matters after the change) and the user's payment status with regard to obligations pertaining to the intermediation of credit purchases to said comprehensive credit purchase intermediary, and shall take into account the user's loan status.

第四十三条法第三十条の二第一項ただし書の経済産業省令・内閣府令で定める場合は、次に掲げる場合とする。

Article 43(1)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 30-2, paragraph (1) of the Act shall be the cases listed as follows:

２包括信用購入あつせん業者は、前項各号に掲げる場合には、次の各号に掲げる場合の区分に応じ、利用者ごとに、当該各号に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等（付随カード等を含む。）についてそれに係る有効期間（第一号に掲げる場合（カード等についてそれに係る有効期間を更新しようとする場合を除く。）には更新された後の有効期間を含み、第一号に掲げる場合（カード等についてそれに係る有効期間を更新しようとする場合に限る。）又は第二号から第五号までのいずれかに掲げる場合には更新された後の有効期間を除く。）の満了の日又は当該有効期間内に締結した全ての包括信用購入あつせん関係受領契約（当該カード等（付随カード等を含む。）に係るものに限る。）に定められた最終の支払期日のうち最後のもの（これらの契約に基づく包括信用購入あつせんに係る債務の全てが弁済その他の事由により消滅したときにあつては、その消滅した日）のうちいずれか遅い日までの間保存しなければならない。

(2)A comprehensive credit purchase intermediary shall, in the cases listed in the items of the preceding paragraph, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, in writing or as electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period for a card, etc. (including an Associated Card, etc.) (such effective period shall include the effective period after the renewal in the cases listed in item (i) (excluding cases where the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc.) and shall exclude the effective period after the renewal in the cases listed in item (i) (limited to cases where the comprehensive credit purchase intermediary intends to renew the effective period for a card, etc.), any of items (ii) to (v)), or the last one of the final due dates specified under all the contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc. (including an Associated Card, etc.)) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under these contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:

第四十四条法第三十条の二第二項の経済産業省令・内閣府令で定める資産は、利用者又は購入者等（個人である購入者又は個人である役務の提供を受ける者に限る。以下この条から第四十七条まで、第五十六条から第五十八条まで、第七十一条、第七十二条、第七十三条の二、第七十四条第一項第四号及び第二項、第八十九条から第九十一条まで、第三節並びに別表第二において同じ。）が所有し、自己の居住の用に供する建物（当該建物が二以上ある場合には、これらの建物のうち、当該利用者又は購入者等が主として居住の用に供する一の建物に限る。以下この条において「住宅」という。）又は住宅の用に供されている土地若しくは当該土地に設定されている地上権とする。

Article 44The assets specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30-2, paragraph (2) of the Act shall be a building that a user or Purchaser, etc. (limited to a purchaser who is an individual or a service recipient who is an individual; hereinafter the same shall apply in this Article through to Article 47, Articles 56 to 58, Article 71, Article 72, Article 73-2, Article 74, paragraph (1), item (iv) and paragraph (2), Articles 89 to 91, Section 3, and appended table 2) owns and uses for their own residential purpose (when they own two or more such buildings, limited to a single building out of those buildings that said user or Purchaser, etc. mainly uses for their own residential purpose; hereinafter referred to as the "Residence" in this Article), land that a user or Purchaser, etc. owns and uses as their Residence, or the superficies right established on said land.

第四十五条法第三十条の二第二項の経済産業省令・内閣府令で定める額（以下この条及び次条第一項第二号において「生活維持費」という。）は、別表第二の上欄に掲げる利用者又は購入者等及びその者と生計を一にする者の合計数（ただし、当該利用者又は購入者等の包括支払可能見込額又は個別支払可能見込額を算定するために法第三十条の二第一項本文又は第三十五条の三の三第一項本文の規定による調査をするに当たり、他の者の収入により生計を維持している者が、第四十条第二項若しくは第七十二条第二項の規定による年収の合算又は第四十条第三項若しくは第七十二条第三項の規定による預貯金の合算のいずれもしない場合にあつては、一人とする。）の区分並びに同表の中欄に掲げる場合の区分に応じ、同表の下欄に掲げる額とする。

Article 45(1)The amount specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30-2, paragraph (2) of the Act (hereinafter referred to as the "Subsistence Cost" in this Article and paragraph (1), item (ii) of the following Article) shall be the amount listed in the right-hand column of appended table 2, in accordance with the category of the total number of users or Purchasers, etc. and persons who have the same livelihood as said users or Purchasers, etc. as listed in the left-hand column of said table (provided, however, that when a person whose livelihood is maintained by the income of another person does not total the annual income as prescribed in Article 40, paragraph (2) or Article 72, paragraph (2) or total deposits or savings as prescribed in Article 40, paragraph (3) or Article 72, paragraph (3), when carrying out an investigation under the main clause of Article 30-2, paragraph (1) or the main clause of Article 35-3-3, paragraph (1) of the Act in order to calculate the projected comprehensive acceptable amount or the projected individual acceptable amount of said users or Purchasers, etc., the total number shall be one), and in accordance with the category of the cases listed in the middle column of said table.

２前項の規定にかかわらず、次の各号に掲げる場合における生活維持費は、当該各号に定めるところによることができる。

(2)Notwithstanding the provisions of the preceding paragraph, the Subsistence Cost in the following cases may be as specified respectively in the following items:

３前二項の規定にかかわらず、次の各号に掲げる場合における生活維持費は、当該各号に定めるところによることができる。

(3)Notwithstanding the provisions of the preceding two paragraphs, the Subsistence Cost in the following cases may be as specified respectively in the following items:

４前三項（第二項第四号を除く。）の規定にかかわらず、包括信用購入あつせん業者又は個別信用購入あつせん業者が、利用者又は購入者等の居住地域を確認する場合における当該利用者又は購入者等に係る生活維持費は、前三項（第二項第四号を除く。）の規定による当該利用者又は購入者等に係る生活維持費に、次の各号に掲げる当該利用者又は購入者等の居住地域の区分（別表第三に定める居住地域の区分をいう。次条において同じ。）に応じ、当該各号に定める割合を乗じて得た額とすることができる。

(4)Notwithstanding the provisions of the preceding three paragraphs (excluding paragraph (2), item (iv)), the Subsistence Cost of a user or a Purchaser, etc. in cases where a comprehensive credit purchase intermediary or an individual credit purchase intermediary confirms the residential area of the user or the Purchaser, etc. may be the amount obtained by multiplying the Subsistence Cost of the user or the Purchaser, etc. under the preceding three paragraphs (excluding paragraph (2), item (iv)) by the rate specified in the following items, in accordance with the category of residential areas of the user or the Purchaser, etc. listed in said relevant items (meaning the category of residential areas specified in appended table 3; the same shall apply in the following Article):

第四十六条別表第三に掲げる市町村（特別区を含む。以下この条及び別表第三において同じ。）の廃置分合があつた場合には、次の各号に掲げる区域に居住する利用者又は購入者等の居住地域の区分は、当該各号に定める市町村により定まる。

Article 46(1)In cases where there has been any reorganization of the municipalities listed in appended table 3 (including special wards; hereinafter the same shall apply in this Article and appended table 3), the category of residential areas of a user or a Purchaser, etc. residing in areas listed in the following items shall be specified by the municipality specified in said relevant items:

２別表第三に掲げる市町村の境界変更があつた場合には、当該境界変更に係る区域に居住する利用者又は購入者等の居住地域の区分は、当該境界変更により当該区域が属することとなつた市町村により定まる。

(2)In cases where there have been any changes to the border of the municipalities listed in appended table 3, the category of residential areas of a user or a Purchaser, etc. residing in areas pertaining to said border changes shall be specified by the municipality to which said area has come to belong as a result of said border changes.

第四十七条法第三十条の二第三項の経済産業省令・内閣府令で定めるものは、基礎特定信用情報（信用購入あつせんに係る債務の支払の状況を除き、認定包括信用購入あつせん業者が法第三十条の五の五第二項の規定により特定信用情報を使用する場合及び登録少額包括信用購入あつせん業者が法第三十五条の二の四第二項の規定により特定信用情報を使用する場合には、第百十八条第二項第一号イに規定する事項を除く。）その他利用者又は購入者等の信用購入あつせんに係る支払能力に関する情報をいう。

Article 47The basic specified credit information specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30-2, paragraph (3) of the Act (except for the status of payment of debts pertaining to intermediation of credit purchases, in cases where a certified comprehensive credit purchased intermediary uses specified credit information pursuant to the provisions of Article 30-5-5, paragraph (2) of the Act or a registered low-amount comprehensive credit purchase intermediary uses specified credit information pursuant to the provisions of Article 35-2-4, paragraph (2) of the Act excluding the matters prescribed in Article 118, paragraph (2), item (i), (a)) means any other information concerning the ability to pay of a user or a Purchaser, etc. pertaining to the intermediation of credit purchases.

第四十七条の二法第三十条の二第四項の規定により、包括信用購入あつせん業者は、次の各号に掲げる場合の区分に応じ、利用者ごとに、次に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等についてそれに係る有効期間（第一号に掲げる場合には更新された後の有効期間を含み、第二号に掲げる場合には更新された後の有効期間を除く。）の満了の日又は当該有効期間内に締結した全ての包括信用購入あつせん関係受領契約（当該カード等に係るものに限る。）に定められた最終の支払期日のうち最後のもの（これらの契約に基づく包括信用購入あつせんに係る債務の全てが弁済その他の事由により消滅したときにあつては、その消滅した日）のうちいずれか遅い日までの間保存しなければならない。

Article 47-2A comprehensive credit purchase intermediary shall, pursuant to the provisions of Article 30-2, paragraph (4) of the Act, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, by means of documents or electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period for a card, etc. (including the effective period after the renewal in the cases listed in item (i) and excluding the effective period after the renewal in the cases listed in item (ii)), or the last one of the final due dates specified under all the contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc.) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under those contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:

第四十八条法第三十条の二の二ただし書の経済産業省令・内閣府令で定める場合は、第四十三条第一項各号に掲げる場合とする。

Article 48The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 30-2-2 of the Act shall be the cases listed in the items of Article 43, paragraph (1).

第四十九条法第三十条の二の三第一項第三号の経済産業省令・内閣府令で定める事項は、次のとおりとする。ただし、第六号から第九号までに掲げる事項については、法第三十条第一項に基づき、次条第一項第四号に定めるところにより情報を提供した場合には省略することができる。

Article 49The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30-2-3, paragraph (1), item (iii) of the Act shall be the following matters; provided, however, that the matters listed in item (vi) to item (ix) may be omitted in cases where information is provided in accordance with paragraph (1), item (iv) of the following Article pursuant to Article 30, paragraph (1) of the Act:

第五十条法第三十条の二の三第一項各号に掲げる事項に係る情報を提供するときは、次の各号に定めるところによらなければならない。

Article 50(1)When a comprehensive credit purchase intermediary provides information pertaining to the matters listed in the items of Article 30-2-3, paragraph (1) of the Act, it shall follow the rules specified in the following items:

２前項第二号の情報通信の技術を利用する方法は、次に掲げる方法とする。

(2)The phrase "method utilizing information communication technology" in item (ii) of the preceding paragraph shall be the following methods:

３前項に掲げる方法は、次に掲げる基準に適合するものでなければならない。

(3)The means listed in the preceding paragraph shall comply with the following standards:

第五十一条法第三十条の二の三第二項第三号の経済産業省令・内閣府令で定める事項は、次のとおりとする。ただし、第五号から第八号までに掲げる事項については、法第三十条第二項に基づき、次条第一項第四号に定めるところにより情報を提供した場合には省略することができる。

Article 51The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30-2-3, paragraph (2), item (iii) of the Act shall be as follows: provided, however, that the matters listed in item (v) to item (viii) may be omitted in cases where information is provided in accordance with paragraph (1), item (iv) of the following Article pursuant to Article 30, paragraph (2) of the Act:

第五十二条法第三十条の二の三第二項各号に掲げる事項に係る情報を提供するときは、次の各号に定めるところによらなければならない。

Article 52(1)When a comprehensive credit purchase intermediary provides information pertaining to the matters set forth in the items of Article 30-2-3, paragraph (2) of the Act, it shall follow the rules specified in the following items:

２前項第二号の情報通信の技術を利用する方法は、第五十条第二項に掲げる方法とする。

(2)The phrase "method utilizing information communication technology" in item (ii) of the preceding paragraph shall be the means listed in Article 50, paragraph (2):

３前項の方法は、第五十条第三項に掲げる基準に適合するものでなければならない。

(3)The means in the preceding paragraph shall comply with the standards listed in Article 50, paragraph (3).

第五十三条法第三十条の二の三第三項各号に掲げる事項に係る情報を提供するときは、次の各号に定めるところによらなければならない。

Article 53(1)When a comprehensive credit purchase intermediary provides information pertaining to delivers a document containing the matters set forth in the items of Article 30-2-3, paragraph (3) of the Act, it shall follow the rules specified in the following items:

２前項第二号の情報通信の技術を利用する方法は、次に掲げる方法とする。

(2)The phrase "method utilizing information communication technology" in item (ii) of the preceding paragraph shall be the following methods:

３前項に掲げる方法は、次に掲げる基準に適合するものでなければならない。

(3)The means listed in the preceding paragraph shall comply with the following standards:

第五十三条の二法第三十条の二の三第四項本文の規定により同条第一項各号若しくは第二項各号又は第三項各号の事項を記載した書面（包括信用購入あつせんに係る債務が残存する包括信用購入あつせん関係受領契約に係るものに限る。）を交付するときは、第四十九条及び第五十条第一項若しくは第五十一条及び第五十二条第一項又は前条第一項の規定を準用する。

Article 53-2(1)When delivering a document (limited to documents pertaining to contracts for receiving the intermediation of comprehensive credit purchases for which obligations relating to the intermediation of comprehensive credit purchases remain outstanding) containing the matters set forth in each item of paragraph (1), each item of paragraph (2) or each item of paragraph (3) of Article 30-2-3 pursuant to the provisions of the main clause of Article 30-2-3, paragraph (4) of the Act, the provisions of Article 49 and Article 50, paragraph (1) or Article 51 and Article 52, paragraph (1) or paragraph (1) of the preceding Article shall apply mutatis mutandis.

２法第三十条の二の三第四項ただし書の経済産業省令・内閣府令で定める場合は、次のいずれかに該当する場合とする。

(2)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 30-2-3, paragraph (4) of the Act shall be the cases that fall under any of the following:

第五十四条法第三十条の二の三第五項第四号の経済産業省令・内閣府令で定める事項は、次のとおりとする。ただし、包括信用購入あつせん関係役務提供契約であつて当該契約に係る役務（法第二条第五項に規定する指定役務を除く。）の現金提供価格が一万円に満たないもの又は包括信用購入あつせん関係役務提供契約であつて役務の提供を受ける者がカード等を提示し若しくは通知して、若しくはそれと引換えに、役務の提供を受けるときは、直ちに当該役務の全部の履行が行われることが通例である役務（法第二条第五項に規定する指定役務を除く。次項において同じ。）を提供するものを締結した場合においては第四号、第七号、第八号及び第十号に掲げる事項（当該役務の提供を受ける者から当該各号に掲げる事項に係る情報の提供を求められた場合における当該事項を除く。）に係る情報を、包括信用購入あつせん関係販売契約であつて当該契約に係る商品（法第二条第五項に規定する指定商品を除く。）の現金販売価格が一万円に満たないものを締結した場合においては、第四号、第六号、第八号及び第十号に掲げる事項（当該商品の購入者から当該各号に掲げる事項に係る情報の提供を求められた場合における当該事項を除く。）に係る情報を、包括信用購入あつせん関係販売契約であつて当該契約に係る商品の種類が二以上あるものを締結した場合においては第三号及び第四号に掲げる事項（現金販売価格が三千円に満たない商品（当該契約に係る商品のうち現金販売価格が最も高額であるものを除く。）に係るものに限る。）に係る情報をそれぞれ提供しないことができる。

Article 54(1)The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30-2-3, paragraph (5), item (iv) of the Act shall be as follows: provided, however, that in cases where a comprehensive credit purchase intermediary has concluded a service contract for the intermediation of comprehensive credit purchases under which the price in cash for the provision of services pertaining to said contract (excluding the designated services prescribed in Article 2, paragraph (5) of the Act) is less than 10,000 yen or a service contract for the intermediation of comprehensive credit purchases to provide services that are usually performed in full immediately when a service recipient presents a card, etc. or card details, or in exchange therefor (excluding the designated services prescribed in Article 2, paragraph (5) of the Act; the same shall apply in the following paragraph), information relating to the matters listed in item (iv), item (vii), item (viii), and item (x) (excluding the relevant matters in the case where the recipient of such services requests to provide information pertaining to the matters listed in the relevant items), and in the case where the seller concluded a comprehensive credit purchase intermediation related sales contract and the selling price in cash of the goods pertaining to such contract (excluding the Designated Goods specified in Article 2, paragraph (5) of the Act) is less than 10,000 yen, information relating to the matters listed in item (iv), item (vi), item (viii), and item (x) (excluding the relevant matters in the case where the buyer of such goods is requested to provide information pertaining to the matters listed in the relevant items), may be omitted; and in cases where a comprehensive credit purchase intermediary has concluded a sales contract for the intermediation of comprehensive credit purchases to which two or more types of goods pertain, information relating to the matters listed in item (iii) and item (iv) need not be provided (such matters that need not be provided shall be limited to those pertaining to the types of goods whose selling price in cash is less than 3,000 yen (excluding a type of goods whose selling price in cash is the highest of all the goods pertaining to said contract)):

２購入者等が、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者と対面することなく、かつ、勧誘を受けることなく機器にカード等を提示し若しくは通知して、又はそれと引換えに、商品若しくは指定権利を購入し、又は役務の提供を受ける場合であつて、次の各号に掲げる場合のいずれかに該当する契約を締結した場合においては、前項の規定にかかわらず、同項各号に掲げる事項に係る情報を提供しないことができる。

(2)In cases where a Purchaser, etc. purchases goods or designated rights or receives services by presenting a card, etc. or card details to a machine, or in exchange therefor, without meeting face to face with a seller for the intermediation of comprehensive credit purchases or a service provider for the intermediation of comprehensive credit purchases nor receiving the solicitation therefrom, and where a contract falling under any of the following has been concluded, information pertaining to the matters listed in the items of the preceding paragraph may not be provided, notwithstanding the provisions of said paragraph:

第五十五条法第三十条の二の三第五項の規定により同項各号に掲げる事項に係る情報を提供するときは、次の各号に定めるところによらなければならない。

Article 55(1)When a comprehensive credit purchase intermediary provides information pertaining to the matters set forth in the items of Article 30-2-3, paragraph (5) of the Act, pursuant to the provisions of said paragraph, it shall follow the rules specified in the following items:

２前項第二号の情報通信の技術を利用する方法は、次に掲げる方法とする。

(2)The phrase "method utilizing information communication technology" in item (ii) of the preceding paragraph shall be the following methods:

３前項に掲げる方法は、次に掲げる基準に適合するものでなければならない。

(3)The means listed in the preceding paragraph shall comply with the following standards:

４第一項第二号及び第二項第一号の「電子情報処理組織」とは、包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者の使用に係る電子計算機と、購入者等の使用に係る電子計算機とを電気通信回線で接続した電子情報処理組織をいう。

(4)The "electronic data processing system" set forth in paragraph (1), item (ii) and paragraph (2), item (i) shall mean the electronic data processing system that connects the computer used by the seller for the intermediation of comprehensive credit purchases or the service provider for the intermediation of comprehensive credit purchases and the computer used by the Purchaser, etc. through a telecommunication line.

第五十五条の二法第三十条の二の三第六項本文の規定により同条第五項各号に掲げる事項を記載した書面を交付するときは、第五十四条及び前条第一項の規定を準用する。

Article 55-2(1)When delivering, pursuant to the provisions of the main clause of Article 30-2-3, paragraph (6) of the Act, a document containing the matters listed in the items of paragraph (5) of said Article, the provisions of Article 54 and paragraph (1) of the preceding Article shall apply mutatis mutandis.

２法第三十条の二の三第六項ただし書の経済産業省令・内閣府令で定める場合は、次のいずれかに該当する場合とする。

(2)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 30-2-3, paragraph (6) of the Act shall be the cases that fall under any of the following:

第五十五条の三法第三十条の二の四第一項の経済産業省令・内閣府令で定める場合は、次のいずれかに該当する場合とする。

Article 55-3(1)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 30-2-4, paragraph (1) of the Act shall be the cases that fall under any of the following:

２前項第一号に規定する場合には、包括信用購入あつせん業者は、書面により、法第三十条の二の四第一項に規定する催告を行うことができる。

(2)In the case prescribed in item (i) of the preceding paragraph, a comprehensive credit purchase intermediary may make a written demand specified in Article 30-2-4, paragraph (1) of the Act.

３第一項第二号に規定する場合には、包括信用購入あつせん業者は、法第三十条の二の四第一項に規定する催告を行うときは、あらかじめ、当該利用者又は購入者等に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。

(3)In the case prescribed in paragraph (1), item (ii), when a comprehensive credit purchase intermediary makes a written demand specified in Article 30-2-4, paragraph (1) of the Act, the comprehensive credit purchase intermediary must indicate in advance to the relevant user or Purchaser, etc. the type and details of the electronic or magnetic means used and obtain consent in writing or by electronic or magnetic means.

４前項の規定による承諾を得た包括信用購入あつせん業者は、当該利用者又は購入者等から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該利用者又は購入者等に対し、法第三十条の二の四第一項に規定する催告を同項の電磁的方法によつてしてはならない。ただし、当該利用者又は購入者等が再び前項の規定による承諾をした場合は、この限りでない。

(4)If a comprehensive credit purchase intermediary that obtained consent pursuant to the provisions of the preceding paragraph receives notification in writing or by electronic or magnetic means from the relevant user or Purchaser, etc. to the effect that provision by electronic or magnetic means will not be accepted, the comprehensive credit purchase intermediary may not make a demand specified in Article 30-2-4, paragraph (1) of the Act to the user or Purchaser, etc. by electronic or magnetic means specified in that paragraph; provided, however, that this shall not apply if the user or Purchaser, etc. again consents pursuant to the provisions of the preceding paragraph.

５第三項の規定により示すべき方法の種類及び内容は、次に掲げる事項とする。

(5)The type and details of the means to be indicated pursuant to the provisions of paragraph (3) shall be the following matters:

第五十五条の四法第三十条の二の四第一項の電磁的方法は、次に掲げる方法とする。

Article 55-4(1)The electromagnetic means set forth in Article 30-2-4, paragraph (1) of the Act shall be the following:

２前項に掲げる方法は、次に掲げる基準に適合するものでなければならない。

(2)The means listed in the preceding paragraph shall comply with the following standards:

第五十六条包括信用購入あつせん業者は、法第三十条の五の二の規定によりその取り扱う利用者又は購入者等に関する情報の安全管理、従業者の監督及び当該情報の取扱いを委託する場合には、その委託先の監督について、当該情報の漏えい、滅失又は毀損の防止を図るために必要かつ適切な措置を講じなければならない。

Article 56When a comprehensive credit purchase intermediary entrusts the safety management of information on users or Purchasers, etc. that it handles, the supervision of workers, and the handling of said information, pursuant to the provisions of Article 30-5-2 of the Act, it shall take necessary and appropriate measures for supervising the entrusted person so as to prevent the leakage or loss of or damage to said information.

第五十七条包括信用購入あつせん業者は、法第三十条の五の二の規定により特定信用情報提供等業務を行う者から提供を受けた情報であつて利用者又は購入者等の支払能力に関するものを、支払能力調査以外の目的に使用しないことを確保するための措置を講じなければならない。

Article 57A comprehensive credit purchase intermediary shall take measures for ensuring that it shall not use any information concerning the ability to pay of users or Purchasers, etc. that it has received, pursuant to the provisions of Article 30-5-2 of the Act, from a person engaging in the business of specified credit information services, etc., for any other purposes than for the investigation into the ability to pay.

第五十八条包括信用購入あつせん業者は、法第三十条の五の二の規定によりその取り扱う利用者又は購入者等に関する人種、信条、門地、本籍地、保健医療又は犯罪経歴についての情報その他の特別の非公開情報（その業務上知り得た公表されていない情報をいう。第九十一条において同じ。）を、適切な業務の運営の確保その他必要と認められる目的以外に使用しないことを確保するための措置を講じなければならない。

Article 58A comprehensive credit purchase intermediary shall take measures for ensuring that it shall not use any information on users or Purchasers, etc. concerning their race, creed, family origin, domicile of origin, health and medical care, or criminal background, or any other special private information (meaning unpublished information that the comprehensive credit purchase intermediary comes to know in the course of business; the same shall apply in Article 91) that it handles pursuant to the provisions of Article 30-5-2 of the Act, for any other purposes than for ensuring the proper operation of the business and other purposes that are deemed to be necessary.

第五十九条包括信用購入あつせん業者は、法第三十条の五の二の規定により包括信用購入あつせんの業務を第三者に委託する場合には、当該業務の内容に応じ、次に掲げる措置を講じなければならない。

Article 59When a comprehensive credit purchase intermediary entrusts the business of the intermediation of comprehensive credit purchases to a third party, pursuant to the provisions of Article 30-5-2 of the Act, it shall take the following measures, in accordance with the contents of said business:

第六十条包括信用購入あつせん業者は、法第三十条の五の二の規定により利用者又は購入者等からの苦情（法第三十条の四第一項の規定による対抗を含む。以下この条において同じ。）の適切かつ迅速な処理のために必要な措置を講じるときは、次の各号に定めるところによらなければならない。

Article 60When a comprehensive credit purchase intermediary takes measures necessary for processing complaints from users or Purchasers, etc. (including the assertion under Article 30-4, paragraph (1) of the Act; hereinafter the same shall apply in this Article) properly and promptly, pursuant to the provisions of Article 30-5-2 of the Act, it shall follow the rules specified in the following items:

第六十一条法第三十条の五の四第一項の規定による認定の申請は、次に掲げる事項を記載した申請書を経済産業大臣に提出してしなければならない。

Article 61(1)An application for certification under Article 30-5-4, paragraph (1) of the Act must be filed by submitting a written application stating the following matters to the Minister of Economy, Trade and Industry:

２前項の申請書は、様式第十三の二によるものとする。

(2)The application specified in the preceding paragraph shall be based on Form 13-2.

３第一項の申請書には、次に掲げる書類を添付しなければならない。

(3)The following documents shall be attached to the written application for registration set forth in paragraph (1):

第六十二条法第三十条の五の四第一項第一号の経済産業省令で定める基準は、次のとおりとする。

Article 62(1)The standards specified by Ordinance of Ministry of Economy, Trade and Industry set forth in Article 30-5-4, paragraph (1), item (i) of the Act shall be as follows:

２法第三十条の五の四第一項第二号の経済産業省令で定める基準は、法第三十条の五の五第一項本文に規定する算定の円滑な実施を確保するために必要な体制が定められていることとする。

(2)The criteria prescribed by an Ordinance of the Ministry of Economy, Trade and Industry prescribed in Article 30-5-4, paragraph (1), item (ii) of the Act must provide for a system necessary to ensure the effective performance of the calculations prescribed in the main clause of Article 30-5-5, paragraph (1) of the Act.

第六十二条の二法第三十条の五の四第三項の規定による認定の申請は、様式第十三の三による申請書を提出してしなければならない。

Article 62-2(1)An application for certification under Article 30-5-4, paragraph (3) of the Act shall be filed by submitting a written application prepared in accordance with Form 13-3.

２前項の申請書には、次に掲げる書類を添付しなければならない。

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

第六十二条の三法第三十条の五の五第一項ただし書の経済産業省令・内閣府令で定める場合は、次に掲げる場合とする。

Article 62-3(1)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 30-5-5, paragraph (1) of the Act shall be the cases listed as follows:

２認定包括信用購入あつせん業者は、前項各号に掲げる場合には、次の各号に掲げる場合の区分に応じ、利用者ごとに、当該各号に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等（付随カード等を含む。）についてそれに係る有効期間（更新された後の有効期間を除く。）の満了の日又は当該有効期間内に締結した全ての包括信用購入あつせん関係受領契約（当該カード等（付随カード等を含む。）に係るものに限る。）に定められた最終の支払期日のうち最後のもの（これらの契約に基づく包括信用購入あつせんに係る債務の全てが弁済その他の事由により消滅したときにあつては、その消滅した日）のうちいずれか遅い日までの間保存しなければならない。

(2)A certified comprehensive credit purchase intermediary shall , in the cases listed in the items of the preceding paragraph, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, by means of documents or electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period (excluding the effective period after the renewal) of a card, etc. (including an Associated Card, etc.) or the last of the final due dates specified under all contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc. (including an Associated Card, etc.)) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under those contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:

第六十二条の四法第三十条の五の五第三項の規定により、認定包括信用購入あつせん業者は、次の各号に掲げる場合の区分に応じ、利用者ごとに、次に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等についてそれに係る有効期間（第一号に掲げる場合には更新された後の有効期間を含み、第二号に掲げる場合には更新された後の有効期間を除く。）の満了の日又は当該有効期間内に締結した全ての包括信用購入あつせん関係受領契約（当該カード等に係るものに限る。）に定められた最終の支払期日のうち最後のもの（これらの契約に基づく包括信用購入あつせんに係る債務の全てが弁済その他の事由により消滅したときにあつては、その消滅した日）のうちいずれか遅い日までの間保存しなければならない。

Article 62-4A certified comprehensive credit purchase intermediary shall, pursuant to the provisions of Article 30-5-5, paragraph (3) of the Act, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, by means of documents or electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period for a card, etc. (including the effective period after the renewal in the cases listed in item (i) and excluding the effective period after the renewal in the cases listed in item (ii)), or the last one of the final due dates specified under all the contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc.) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under those contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:

第六十二条の五法第三十条の五の五第四項の報告は、様式第十三の四による報告書を提出してしなければならない。

Article 62-5(1)Reports under Article 30-5-5, paragraph (4) of the Act shall be made by submitting a written notification prepared in accordance with Form 13-4.

２法第三十条の五の五第四項の経済産業省令で定める事項は、報告の対象となる事業年度の延滞率の実績その他利用者支払可能見込額の算定に関する事項とする。

(2)The matters prescribed by Ordinance of the Ministry of Economy, Trade and Industry specified in Article 30-5-5, paragraph (4) of the Act shall be the actual delinquency rate for the fiscal year covered by the report and other matters relating to calculation of the projected user acceptable amount.

第六十二条の六法第三十条の五の六ただし書の経済産業省令・内閣府令で定める場合は、第六十二条の三第一項各号に掲げる場合とする。

Article 62-6The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 30-5-6 of the Act shall be the cases listed in the items of Article 62-3, paragraph (1).

第六十三条法第三十二条第一項の申請書は、様式第十四によるものとする。

Article 63(1)A written application as set forth in Article 32, paragraph (1) of the Act shall be prepared in accordance with Form 14.

２法第三十二条第二項の経済産業省令で定める書類は、次のとおりとする。

(2)The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (2) of the Act shall be as follows:

３第十二条第三項の規定は、法第三十二条第三項の経済産業省令で定める電磁的記録に準用する。

(3)The provisions of Article 12, paragraph (3) shall apply mutatis mutandis to the electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (3) of the Act.

第六十四条法第三十二条第一項第四号に規定する経済産業省令で定めるものは、次の各号のいずれかに該当するものとする。

Article 64(1)The person specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (1), item (iv) of the Act shall be a person that falls under any of the following items:

２前項第一号又は第二号の場合において、これらの規定に掲げる者が保有する議決権には、社債、株式等の振替に関する法律第百四十七条第一項又は第百四十八条第一項（これらの規定を同法第二百二十八条第一項、第二百三十五条第一項、第二百三十九条第一項及び第二百七十六条（同条第二号に係る部分に限る。）において準用する場合を含む。）の規定により発行者に対抗することができない株式等に係る議決権を含むものとする。

(2)In cases set forth in item (i) or item (ii) of the preceding paragraph, the voting rights held by persons listed in these provisions shall include the voting rights pertaining to Shares, etc. that cannot be asserted against the issuer pursuant to the provisions of Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Book-Entry Transfer of Bonds, Shares, etc. (including cases where these provisions are applied mutatis mutandis pursuant to Article 228, paragraph (1), Article 235, paragraph (1), Article 239, paragraph (1), and Article 276 (limited to the part pertaining to item (ii) of said Article) of said Act).

第六十五条法第三十三条の二第一項第十号に規定する経済産業省令で定めるものは、次の各号のいずれかに該当する法人とする。

Article 65The corporation specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 33-2, paragraph (1), item (x) of the Act shall be that which falls under any of the following items:

第六十六条法第三十三条の二第一項第十一号に規定する経済産業省令で定める体制は、次のとおりとする。

Article 66(1)The systems specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 33-2, paragraph (1), item (xi) of the Act shall be as follows:

２前項第三号の社内規則等は包括信用購入あつせんに係る業務に関する責任体制を明確化する規定を含むものでなければならない。

(2)The internal rules, etc. set forth in item (iii) of the preceding paragraph shall include provisions that clarify allocation of responsibility concerning the operation of the intermediation of comprehensive credit purchases.

第六十七条法第三十三条の三第一項の届出は、様式第十五による届出書を提出してしなければならない。

Article 67(1)Notification under Article 33-3, paragraph (1) of the Act shall be made by submitting a written notification prepared in accordance with Form 15.

２法第三十三条の三第三項において準用する法第三十二条第二項の経済産業省令で定める書類は、次のとおりとする。

(2)The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 33-3, paragraph (2) of the Act shall be as follows:

３第十二条第三項の規定は、法第三十三条の三第三項において準用する法第三十二条第三項の経済産業省令で定める電磁的記録に準用する。

(3)The provisions of Article 12, paragraph (3) shall apply mutatis mutandis to the electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 32, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 33-3, paragraph (3) of the Act.

第六十八条法第三十四条の四の規定による公示は、官報に掲載してするものとする。

Article 68A public notice under Article 34-4 of the Act shall be given by publishing it in an official gazette.

第六十八条の二法第三十五条の規定による届出は、様式第十三による届出書を提出してしなければならない。

Article 68-2Notification under Article 35 of the Act shall be made by submitting a written notification prepared in accordance with Form 13.

第六十八条の三法第三十五条の二の四第一項ただし書の経済産業省令・内閣府令で定める場合は、次に掲げる場合とする。

Article 68-3(1)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 35-2-4, paragraph (1) of the Act shall be the cases listed as follows:

２登録少額包括信用購入あつせん業者は、前項各号に掲げる場合には、次の各号に掲げる場合の区分に応じ、利用者ごとに、当該各号に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等（付随カード等を含む。）についてそれに係る有効期間（更新された後の有効期間を除く。）の満了の日又は当該有効期間内に締結した全ての包括信用購入あつせん関係受領契約（当該カード等（付随カード等を含む。）に係るものに限る。）に定められた最終の支払期日のうち最後のもの（これらの契約に基づく包括信用購入あつせんに係る債務の全てが弁済その他の事由により消滅したときにあつては、その消滅した日）のうちいずれか遅い日までの間保存しなければならない。

(2)A registered low-amount comprehensive credit purchase intermediary shall, in the cases listed in the items of the preceding paragraph, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, by means of documents or electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period (excluding the effective period after the renewal) of a card, etc. (including an Associated Card, etc.) or the last of the final due dates specified under all contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc. (including an Associated Card, etc.)) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under those contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:

第六十八条の四法第三十五条の二の四第三項の規定により、登録少額包括信用購入あつせん業者は、次の各号に掲げる場合の区分に応じ、利用者ごとに、次に定める事項の記録を、書面又は電磁的記録をもつて作成し、カード等についてそれに係る有効期間（第一号に掲げる場合には更新された後の有効期間を含み、第二号に掲げる場合には更新された後の有効期間を除く。）の満了の日又は当該有効期間内に締結した全ての包括信用購入あつせん関係受領契約（当該カード等に係るものに限る。）に定められた最終の支払期日のうち最後のもの（これらの契約に基づく包括信用購入あつせんに係る債務の全てが弁済その他の事由により消滅したときにあつては、その消滅した日）のうちいずれか遅い日までの間保存しなければならない。

Article 68-4A registered low-amount comprehensive credit purchase intermediary shall, pursuant to the provisions of Article 35-2-4, paragraph (3) of the Act, prepare a record on the matters specified in the following items for each user, in accordance with the categories of cases listed in the respective items, by means of documents or electromagnetic records, and shall preserve said record up to the day of the expiration of the effective period for a card, etc. (including the effective period after the renewal in the cases listed in item (i) and excluding the effective period after the renewal in the cases listed in item (ii)), or the last one of the final due dates specified under all the contracts for receiving the intermediation of comprehensive credit purchases (limited to contracts pertaining to said card, etc.) concluded during said effective period (when all the obligations pertaining to the intermediation of comprehensive credit purchases under those contracts have been extinguished through the payment thereof or on other grounds, the day of the extinguishment), whichever comes later:

第六十八条の五法第三十五条の二の五ただし書の経済産業省令・内閣府令で定める場合は、第六十八条の三第一項各号に掲げる場合とする。

Article 68-5The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 35-2-5 of the Act shall be the cases listed in the items of Article 68-3, paragraph (1).

第六十八条の六法第三十五条の二の六第一項の経済産業省令・内閣府令で定める場合は、次のいずれかに該当する場合とする。

Article 68-6(1)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 35-2-6, paragraph (1) of the Act shall be the cases that fall under any of the following:

２前項第一号に規定する場合には、登録少額包括信用購入あつせん業者は、書面により、法第三十五条の二の六第一項に規定する催告を行うことができる。

(2)In the case prescribed in item (i) of the preceding paragraph, a registered low-amount comprehensive credit purchase intermediary may make a written demand specified in Article 35-2-6, paragraph (1) of the Act.

３第一項第二号に規定する場合には、登録少額包括信用購入あつせん業者は、法第三十五条の二の六第一項に規定する催告を行うときは、あらかじめ、当該利用者又は購入者等に対し、その用いる電磁的方法の種類及び内容を示し、書面又は電磁的方法による承諾を得なければならない。

(3)In the case prescribed in paragraph (1), item (ii), when a registered low-amount comprehensive credit purchase intermediary makes a written demand specified in Article 35-2-6, paragraph (1) of the Act, the registered low-amount comprehensive credit purchase intermediary must indicate in advance to the relevant user or Purchaser, etc. the type and details of the electronic or magnetic means used and obtain consent in writing or by electronic or magnetic means.

４前項の規定による承諾を得た登録少額包括信用購入あつせん業者は、当該利用者又は購入者等から書面又は電磁的方法により電磁的方法による提供を受けない旨の申出があつたときは、当該利用者又は購入者等に対し、法第三十五条の二の六第一項に規定する催告を電磁的方法によつてしてはならない。ただし、当該利用者又は購入者等が再び前項の規定による承諾をした場合は、この限りでない。

(4)If a registered low-amount comprehensive credit purchase intermediary that obtained consent pursuant to the provisions of the preceding paragraph receives notification in writing or by electronic or magnetic means from the relevant user or Purchaser, etc. to the effect that provision by electronic or magnetic means will not be accepted, the comprehensive credit purchase intermediary may not make a demand specified in Article 35-2-6, paragraph (1) of the Act to the user or Purchaser, etc. by electronic or magnetic means; provided, however, that this shall not apply if the user or Purchaser, etc. again consents pursuant to the provisions of the preceding paragraph.

５第三項の規定により示すべき方法の種類及び内容は、次に掲げる事項とする。

(5)The type and details of the means to be indicated pursuant to the provisions of paragraph (3) shall be the following matters:

第六十八条の七法第三十五条の二の六第一項の電磁的方法は、次に掲げる方法とする。

Article 68-7(1)The electromagnetic means set forth in Article 35-2-6, paragraph (1) of the Act shall be the following:

２前項に掲げる方法は、次に掲げる基準に適合するものでなければならない。

(2)The means listed in the preceding paragraph shall comply with the following standards:

第六十八条の八法第三十五条の二の七の報告は、様式第十五の二による報告書を提出してしなければならない。

Article 68-8(1)Reports under Article 35-2-7 of the Act shall be made by submitting a written notification prepared in accordance with Form 15-2.

２法第三十五条の二の七の経済産業省令で定める事項は、報告の対象となる事業年度の延滞率の実績その他利用者支払可能見込額の算定に関する事項とする。

(2)The matters prescribed by Ordinance of the Ministry of Economy, Trade and Industry specified in Article 35-2-7 of the Act shall be the actual delinquency rate for the fiscal year covered by the report and other matters relating to calculation of the projected user acceptable amount.

第六十八条の九法第三十五条の二の九第一項の申請書は、様式第十五の三によるものとする。

Article 68-9(1)A written application as set forth in Article 35-2-9, paragraph (1) of the Act shall be prepared in accordance with Form 15-3.

２法第三十五条の二の九第二項の経済産業省令で定める書類は、次のとおりとする。

(2)The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-2-9, paragraph (2) of the Act shall be as follows:

３第十二条第三項の規定は、法第三十五条の二の九第三項の経済産業省令で定める電磁的記録に準用する。

(3)The provisions of Article 12, paragraph (3) shall apply mutatis mutandis to the electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-2-9, paragraph (3) of the Act.

第六十八条の十法第三十五条の二の十一第一項第三号に規定する経済産業省令で定める要件は、資産の合計額から負債の合計額を控除した額（以下この条において「純資産額」という。）が負の値でないことであつて、次の各号のいずれかに該当するものとする。

Article 68-10The requirement prescribed by Ordinance of the Ministry of Economy Trade and Industry specified in Article 35-2-11, paragraph (1), item (iii) of the Act shall be that the amount equal to total assets minus total liabilities (hereinafter referred to in this Article as "Net Assets") is not a negative value and falls under any of the following items:

第六十八条の十一法第三十五条の二の十一第一項第九号に規定する経済産業省令で定めるものは、次の各号のいずれかに該当する法人とする。

Article 68-11The corporation specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-2-11, paragraph (1), item (ix) of the Act shall be that which falls under any of the following items:

第六十八条の十二法第三十五条の二の十一第一項第十号に規定する経済産業省令で定める体制は、次のとおりとする。

Article 68-12(1)The systems specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-2-11, paragraph (1), item (x) of the Act shall be as follows:

２前項第三号の社内規則等は包括信用購入あつせんに係る業務に関する責任体制を明確化する規定を含むものでなければならない。

(2)The internal rules, etc. set forth in item (iii) of the preceding paragraph shall include provisions that clarify allocation of responsibility concerning the operation of the intermediation of comprehensive credit purchases.

第六十八条の十三法第三十五条の二の十一第一項第十一号イの経済産業省令で定める基準は、次のとおりとする。

Article 68-13(1)The criteria prescribed by Ordinance of the Ministry of Economy, Trade and Industry specified in Article 35-2-11, paragraph (1), item (xi), (a) shall be as follows:

２法第三十五条の二の十一第一項第十一号ロの経済産業省令で定める基準は、法第三十五条の二の四第一項本文に規定する算定の円滑な実施を確保するために必要な体制が定められていることとする。

(2)The criteria prescribed by an Ordinance of the Ministry of Economy, Trade and Industry prescribed in Article 35-2-11, paragraph (1), item (xi), (b) of the Act must provide for a system necessary to ensure the effective performance of the calculations prescribed in the main clause of Article 35-2-4, paragraph (1) of the Act.

第六十八条の十四法第三十五条の二の十二第一項の規定による変更の登録の申請は、様式第十五の四による申請書を提出してしなければならない。

Article 68-14(1)An application for change of registration under Article 35-2-12, paragraph (1) of the Act shall be filed by submitting a written application prepared in accordance with Form 15-4.

２前項の申請書には、次に掲げる書類を添付しなければならない。

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

３前条第一項の規定は法第三十五条の二の十二第二項において準用する法第三十五条の二の十一第一項第十一号イの経済産業省令で定める基準に、前条第二項の規定は法第三十五条の二の十二第二項において準用する法第三十五条の二の十一第一項第十一号ロの経済産業省令で定める基準に準用する。

(3)The provisions of paragraph (1) the preceding Article shall apply mutatis mutandis to the criteria prescribed by Ordinance of the Ministry of Economy, Trade and Industry specified in Article 35-2-11, paragraph (1), item (xi), (a) as applied mutatis mutandis pursuant to Article 35-2-12, paragraph (2) of the Act, and the provisions of paragraph (2) the preceding Article shall apply mutatis mutandis to the criteria prescribed by Ordinance of the Ministry of Economy, Trade and Industry specified in Article 35-2-11, paragraph (1), item (xi), (b) as applied mutatis mutandis pursuant to Article 35-2-12, paragraph (2) of the Act.

第六十八条の十五法第三十五条の二の十三第一項の届出は、様式第十五の五による届出書を提出してしなければならない。

Article 68-15(1)Notification under Article 35-2-13, paragraph (1) of the Act shall be made by submitting a written notification prepared in accordance with Form 15-5.

２法第三十五条の二の十三第三項において準用する法第三十五条の二の九第二項本文の経済産業省令で定める書類は、次のとおりとする。

(2)The documents specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in the main clause of Article 35-2-9, paragraph (2) as applied mutatis mutandis pursuant to Article 35-2-13, paragraph (3) of the Act shall be as follows:

３第十二条第三項の規定は、法第三十五条の二の十三第三項において準用する法第三十五条の二の九第三項の経済産業省令で定める電磁的記録に準用する。

(3)The provisions of Article 12, paragraph (3) shall apply mutatis mutandis to the electromagnetic record specified by Ordinance of the Ministry of Economy, Trade and Industry set forth in Article 35-2-9, paragraph (3) of the Act as applied mutatis mutandis pursuant to Article 35-2-13, paragraph (3) of the Act.

第六十八条の十六第六十八条の規定は、法第三十五条の三において準用する法第三十四条の四の規定による公示に準用する。

Article 68-16The provisions of Article 68 shall apply mutatis mutandis to public notices prescribed in Article 34-4 of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act.

第六十八条の十七第六十八条の二の規定は、法第三十五条の三において準用する法第三十五条の規定による届出に準用する。

Article 68-17The provisions of Article 68-2 shall apply mutatis mutandis to notifications prescribed in Article 35 of the Act as applied mutatis mutandis pursuant to Article 35-3 of the Act.

第六十九条法第三十五条の三の二第一項各号の事項を示すときは、次の各号に定めるところによらなければならない。ただし、同項第四号の事項にあつては、支払分の支払の方法が購入者等の要求により支払の間隔については第三十六条第五項第一号に、額については同項第二号に該当する場合以外の場合になつたとき又は個別信用購入あつせんの手数料（金利、信用調査費、集金費、事務管理費、貸倒補てん費その他何らの名義をもつてするを問わず個別信用購入あつせんに係る手数料として個別信用購入あつせん業者が購入者等に対し支払わせるものの総額（登記等手数料を個別信用購入あつせんの手数料に含めない旨が明示されているときは、登記等手数料を控除した額）。以下同じ。）が二千五百円未満のときは、示さないことができる。この場合において、同項中「包括信用購入あつせん関係受領契約」とあるのは、「個別信用購入あつせん関係受領契約」と読み替えるものとする。

Article 69(1)The matters set forth in the items of Article 35-3-2, paragraph (1) of the Act shall be indicated as specified in the following items; provided, however, that the matters set forth in item (iv) of said paragraph may be omitted in cases where the interval of making the payments is other than those specified in Article 36, paragraph (5), item (i) and the amount of the payments is other than those specified in item (ii) of said paragraph as requested by a Purchaser, etc., or where the fee for the intermediation of individual credit purchases (the total amount of money that the individual credit purchase intermediary requires the Purchaser, etc. to pay as the fee for individual credit purchases including interest, credit check expenses, collection expenses, administrative expenses, bad debt expenses and other expenses, regardless of designation (when it is clearly stated that the Fee for Registration, etc. shall not be included in the fee for individual credit purchases, the amount that remains after deducting the Fee for Registration, etc.); the same shall apply hereinafter) is less than 2,500 yen. In this case, the term "a contract for receiving the intermediation of comprehensive credit purchases" in said paragraph shall be deemed to be replaced with "a contract for receiving the intermediation of individual credit purchases":

２法第三十五条の三の二第一項第四号の経済産業省令・内閣府令で定める方法は、別表第一第一号に定める方法とする。ただし、支払分の支払の方法が、支払の間隔については第三十六条第五項第一号に、額については同項第二号に該当する場合以外の場合にあつては、同表第二号に定める方法とすることができる。この場合において、同項中「包括信用購入あつせん関係受領契約」とあるのは、「個別信用購入あつせん関係受領契約」と読み替えるものとする。

(2)The method specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 35-3-2, paragraph (1), item (iv) of the Act shall be the method specified in row (i) of appended table 1; provided, however, that said method may be the method specified in row (ii) of said table in cases where, in respect of a payment method of payments, the interval of paying installments is other than those specified in Article 36, paragraph (5), item (i) and the amount of the installments is other than those specified in item (ii) of said paragraph: In this case, the term "a contract for receiving the intermediation of comprehensive credit purchases" in said paragraph shall be deemed to be replaced with "a contract for receiving the intermediation of individual credit purchases."

第七十条法第三十五条の三の二第二項の規定により、個別信用購入あつせんに係る販売又は提供の方法により商品若しくは指定権利を販売する場合の販売条件又は役務を提供する場合の提供条件について広告するときは、同条第一項各号の事項について次の各号に定めるところにより表示しなければならない。ただし、同条第一項第四号の事項にあつては、個別信用購入あつせんの手数科が二千五百円未満のときは、表示しないことができる。

Article 70When a seller for the intermediation of individual credit purchases or a service provider for the intermediation of individual credit purchases advertises, pursuant to the provisions of Article 35-3-2, paragraph (2) of the Act, the conditions for the sale in the case of selling goods or designated rights or for providing services by the method of sales or provision pertaining to the intermediation of individual credit purchases, it shall indicate the relevant matters set forth respectively in the items of paragraph (1) of said Article as specified in the following items; provided, however, that the matters set forth in paragraph (1), item (iv) of said Article may be omitted in cases where the fee for the intermediation of individual credit purchases is less than 2,500 yen:

第七十一条法第三十五条の三の三第一項本文の経済産業省令・内閣府令で定める事項は、次のとおりとする。

Article 71The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the main clause of Article 35-3-3, paragraph (1) of the Act shall be as follows:

第七十二条法第三十五条の三の三第一項本文の規定により前条各号に掲げる事項を調査するときは、次項から第七項までに定めるところによる。

Article 72(1)In cases where an individual credit purchase intermediary investigates the matters listed in the items of the preceding Article, pursuant to the provisions of the main clause of Article 35-3-3, paragraph (1) of the Act, it shall follow the rules specified in the following paragraph to paragraph (7).

２前条第一号に掲げる事項の調査については、購入者等から受ける年収の申告その他の適切な方法により行わなければならない。ただし、他の者の収入又はその収入及び他の者の収入により生計を維持している購入者等を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合（特定配偶者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合であつて個別信用購入あつせんに係る販売の方法により日常生活において必要とされる商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により日常生活において必要とされる役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合以外の場合にあつては事前に書面その他の適切な方法により当該他の者の同意を得たときに限る。）には、当該他の者から受ける当該他の者の年収の申告その他の適切な方法により、当該購入者等及び当該他の者の年収を合算して算定することができる。

(2)With regard to investigation of the matters listed in item (i) of the preceding Article shall be conducted by a report of the annual income received from the Purchaser, etc. or by other appropriate means; provided, however, that in the case where the individual credit purchase intermediary intends to conclude a contract for the receipt of intermediation of individual credit purchases with a Purchaser, etc. whose livelihood is maintained from the income of another person or the income of the Purchaser, etc. and the income of another person (the case where the individual credit purchase intermediary intends to conclude a contract for the receipt of intermediation of individual credit purchases with a Specified Spouse, other than in the case where the contract is a contract for the sale of goods or designated rights that are necessary for daily life by a sales method pertaining to individual credit purchase intermediation or a contract to provide services that are necessary in daily life by a method of provision pertaining to individual credit purchase intermediation, limited to the case where the consent of such other person is obtained in writing or by other appropriate means in advance), the annual income of said Purchaser, etc. and such other person may be added together based on a report of the annual income of such other person received from the other person or by other appropriate means.

３前条第二号に掲げる事項の調査については、当該購入者等から受ける預貯金の申告その他の適切な方法により行わなければならない。ただし、他の者の収入又はその収入及び他の者の収入により生計を維持している購入者等を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合（特定配偶者を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合であつて個別信用購入あつせんに係る販売の方法により日常生活において必要とされる商品若しくは指定権利を販売する契約又は個別信用購入あつせんに係る提供の方法により日常生活において必要とされる役務を提供する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合以外の場合にあつては事前に書面その他の適切な方法により当該他の者の同意を得たときに限る。）には、当該他の者から受ける当該他の者の預貯金の申告その他の適切な方法により、当該購入者等及び当該他の者の預貯金を合算して算定することができる。

(3)An investigation into the matters listed in item (ii) of the preceding Article shall be carried out based on a report by the relevant Purchaser, etc. concerning deposits or savings or by any other appropriate means; provided, however, that in the case where the individual credit purchase intermediary intends to conclude a contract for the receipt of intermediation of individual credit purchases with a Purchaser, etc. whose livelihood is maintained from the income of another person or the income of the Purchaser, etc. and the income of another person (the case where the individual credit purchase intermediary intends to conclude a contract for the receipt of intermediation of individual credit purchases with a Specified Spouse, other than in the case where the contract is a contract for the sale of goods or designated rights that are necessary for daily life by a sales method pertaining to individual credit purchase intermediation or a contract to provide services that are necessary in daily life by a method of provision pertaining to individual credit purchase intermediation, limited to the case where the consent of such other person is obtained in writing or by other appropriate means in advance), the deposits and savings of said Purchaser, etc. and such other person may be added together based on a declaration of the deposits and savings of such other person received from the other person or by other appropriate means.

４前条第三号に掲げる事項の調査については、購入者等の当該個別信用購入あつせん業者に対する信用購入あつせんに係る債務の支払の状況を確認して行わなければならない。ただし、他の者の収入又はその収入及び他の者の収入により生計を維持している購入者等を相手方とする個別信用購入あつせん関係受領契約を締結しようとする場合であつて、第二項ただし書又は第三項ただし書の規定により、当該購入者等及び当該他の者の年収又は預貯金を合算して算定するときは、当該他の者から受ける当該他の者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務の申告その他の適切な方法により、当該購入者等及び当該他の者の支払時期の到来していない又は支払の義務が履行されていない信用購入あつせんに係る債務を合算して算定しなければならない。

(4)An investigation into the matters listed in item (iii) of the preceding Article shall be carried out by confirming the status of payment by the Purchaser, etc. of obligations pertaining to the credit purchase intermediation to the relevant individual credit purchase intermediary; provided, however, that in the case where the individual credit purchase intermediary intends to conclude a contract for the receipt of intermediation of individual credit purchases with a Purchaser, etc. whose livelihood is maintained from the income of another person or the income of the Purchaser, etc. and the income of another person, if the calculation is performed by adding the annual income or deposits or savings of the relevant Purchaser, etc. and such other person pursuant to the proviso of paragraph (2) or the proviso of paragraph (3), the calculation shall be performed by totaling the obligations of the Purchaser, etc. and such other person pertaining to intermediation of credit purchases that have not yet come due or for which the payment obligation has not been performed by declaring obligations pertaining to the intermediation of credit purchases received from the other party that have not yet come due or for which the payment obligation has not been performed or by other appropriate means.

５前条第四号に掲げる事項の調査については、購入者等の当該個別信用購入あつせん業者からの借入れの状況その他の当該購入者等の借入れの状況を勘案して行わなければならない。

(5)An investigation into the matters listed in item (iv) of the preceding Article shall be carried out by taking into consideration the loan status of a Purchaser, etc. from said individual credit purchase intermediary and any other loan status of the Purchaser, etc.

６前条第五号に掲げる事項の調査については、当該商品と同種の商品を換価して得ることが見込まれる額等を勘案して合理的に算定（算定を適切に行うことができないと認める場合を除く。）しなければならない。

(6)An investigation into the matters listed in item (v) of the preceding Article shall be carried out by making a calculation rationally, taking into consideration the amount that is likely to be obtained when realizing goods of the same type as said goods (excluding cases where a proper calculation is deemed to be impossible).

７前条第六号に掲げる事項の調査については、購入者等から受ける当該事項の申告その他の適切な方法により行わなければならない。

(7)An investigation into the matters listed in item (vi) of the preceding Article shall be carried out based on a report by a Purchaser, etc. concerning said matters or by any other appropriate means.

第七十三条法第三十五条の三の三第一項ただし書の経済産業省令・内閣府令で定める場合は、特定契約以外の契約であつて、個別信用購入あつせんに係る販売の方法により耐久性を有し、かつ、定型的な条件で販売するのに適する商品で生活に必要とされるもの（購入者（個人である購入者に限る。以下この項及び第七十四条第一項第二号において同じ。）の支払総額が十万円以下である商品に限る。）を販売する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとする場合（指定信用情報機関が保有する特定信用情報を使用することにより、当該契約を締結しようとする時点において当該購入者の支払の義務が履行されないと認めるとき又は個別信用購入あつせんに係る販売の方法により生活に必要とされない分量の商品を販売する契約に該当するものに係る個別信用購入あつせん関係受領契約を締結しようとするときを除く。）とする。

Article 73(1)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 35-3-3, paragraph (1) of the Act shall be the cases where an individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract other than a specified contract to sell goods that are deemed to be necessary for life and are durable and suitable for the sales under regular conditions (limited to goods for which a purchaser (limited to a purchaser who is an individual; hereinafter the same shall apply in this paragraph, and Article 74, paragraph (1), item (ii)) is to pay not more than 100,000 yen in total) by the method of sales pertaining to the intermediation of individual credit purchases (excluding cases where it is deemed, by using the specified credit information held by the designated credit information institution, that the purchaser's payment obligations will not be performed as of the time of concluding said contract, or where the individual credit purchase intermediary intends to conclude a contract for receiving the intermediation of individual credit purchases that falls under the category of a contract to sell goods of the quantity deemed to be unnecessary for life by the method of sales pertaining to the intermediation of individual credit purchases).

２個別信用購入あつせん業者は、前項に定める場合には、購入者ごとに、次の各号に掲げる事項の記録を、書面又は電磁的記録をもつて作成し、個別信用購入あつせん関係受領契約に定められた最終の支払期日（当該契約に基づく個別信用購入あつせんに係る債務が弁済その他の事由により消滅したときにあつては、その消滅した日）までの間保存しなければならない。

(2)An individual credit purchase intermediary shall, in the cases prescribed in the preceding paragraph, prepare a record on the matters listed in the following items for each purchaser, by means of documents or electromagnetic records, and shall preserve said record up to the final due date specified under the contract for receiving the intermediation of individual credit purchases (when the obligation pertaining to the intermediation of individual credit purchases under said contract has been extinguished through the payment thereof or on other grounds, the day of the extinguishment):

３第四十四条の規定は、法第三十五条の三の三第二項の経済産業省令・内閣府令で定める資産に準用する。

(3)The provisions of Article 44 shall apply mutatis mutandis to assets specified by Ordinance of the Ministry of Economy, Trade and Cabinet Office Ordinance and Industry as set forth in Article 35-3-3, paragraph (2) of the Act.

第七十三条の二法第三十五条の三の三第四項の規定により、個別信用購入あつせん業者は、購入者等ごとに、次に掲げる事項の記録を、書面又は電磁的記録をもつて作成し、個別信用購入あつせん関係受領契約に定められた最終の支払期日（当該契約に基づく個別信用購入あつせんに係る債務が弁済その他の事由により消滅したときにあつては、その消滅した日）までの間保存しなければならない。

Article 73-2An individual credit purchase intermediary shall, pursuant to the provisions of Article 35-3-3, paragraph (4) of the Act, prepare a record on the following matters for each Purchaser, etc. by means of documents or electromagnetic records, and shall preserve said record up to the final due date specified under the contract for receiving the intermediation of individual credit purchases (when the obligation pertaining to the intermediation of individual credit purchases under said contract has been extinguished through the payment thereof or on other grounds, the day of the extinguishment):

第七十四条法第三十五条の三の四ただし書の経済産業省令・内閣府令で定める場合は、次に掲げる場合とする。

Article 74(1)The cases specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in the proviso to Article 35-3-4 of the Act shall be the cases listed as follows:

２個別信用購入あつせん業者は、前項第二号から第五号までに掲げる場合には、購入者等ごとに、前項第二号から第五号までの規定に基づく確認に関する記録を、書面又は電磁的記録をもつて作成し、個別信用購入あつせん関係受領契約に定められた最終の支払期日（当該契約に基づく個別信用購入あつせんに係る債務が弁済その他の事由により消滅したときにあつては、その消滅した日）までの間保存しなければならない。

(2)An individual credit purchase intermediary shall, in the cases listed items (ii) to (v) of the preceding paragraph, prepare a confirmation record as specified under items (ii) to (v) of the preceding paragraph for each Purchaser, etc., by means of documents or electromagnetic records, and shall preserve said record up to the final due date specified under the contract for receiving the intermediation of individual credit purchases (when the obligation pertaining to the intermediation of individual credit purchases under said contract has been extinguished through the payment thereof or on other grounds, the day of the extinguishment).

第七十五条法第三十五条の三の五第一項の経済産業省令・内閣府令で定める事項は、次の各号に掲げる場合の区分に応じ、当該各号に定める事項とする。

Article 75The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 35-3-5, paragraph (1) of the Act shall be the matters specified in the following items, in accordance with the categories listed in the respective items:

第七十六条法第三十五条の三の五第一項の規定により前条第一号及び第二号に定める事項の調査については、次項から第十二項までに定めるところによる。

Article 76(1)An investigation under Article 35-3-5, paragraph (1) of the Act into the matters specified in item (i) and item (ii) of the preceding Article shall be carried out as specified in the following paragraph to paragraph (12).

２前条第一号に定める事項の調査は、個別信用購入あつせんに係る契約（販売業者又は役務提供事業者と締結しようとするものに限る。以下この条及び第七十八条において同じ。）の締結に先立つて行わなければならない。

(2)The investigation into the matters specified in item (i) of the preceding Article shall be carried out prior to the conclusion of a contract for the intermediation of individual credit purchases (limited to a contract that an individual credit purchase intermediary intends to conclude with a seller or a service provider; hereinafter the same shall apply in this Article and Article 78).

３前条第一号イに掲げる事項は、次に掲げる事項を含むものでなければならない。

(3)The matters listed in item (i), (a) of the preceding Article shall be the matters including the following:

４前条第一号ロに掲げる事項については、次に掲げるものを調査しなければならない。

(4)With regard to the matters listed in item (i), (b) of the preceding Article, an investigation shall be carried out into what are listed as follows:

５前条第一号ハに掲げる事項については、個別信用購入あつせんに係る契約を締結しようとする販売業者又は役務提供事業者が特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘をするに際して告げた事項又は断定的判断を提供した事項（同号チに掲げる事項の調査により知つた苦情の内容が、特定商取引に関する法律第三十四条第一項若しくは第五十二条第一項の規定に違反する行為又は消費者契約法第四条第一項に規定する行為に起因すると認められる場合における当該告げた事項又は当該断定的判断を提供した事項に限る。）であつて、特定商取引に関する法律第三十四条第一項第四号又は第五十二条第一項第四号に掲げるものの裏付けとなる根拠を示す資料を調査しなければならない。

(5)With regard to the matters listed in item (i), (c) of the preceding Article, an investigation shall be carried out into data which show the grounds for the matters that the seller or the service provider that intends to conclude a contract for the intermediation of individual credit purchases has conveyed or on which such seller or service provider has provided a conclusive determination upon carrying out the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract (limited to the matters conveyed or a conclusive determination provided in cases where the details of the complaints discovered as a result of an investigation into the matters listed in (h) of said item are deemed to have been caused by any of the acts in violation of Article 34, paragraph (1), or Article 52, paragraph (1) of the Act on Specified Commercial Transactions, or the acts prescribed in Article 4, paragraph (1) of the Consumer Contract Act) and which are listed in Article 34, paragraph (1), item (iv) or Article 52, paragraph (1), item (iv) of the Act on Specified Commercial Transactions.

６前条第一号ニに掲げる事項については、調査の日の直前事業年度の貸借対照表及び損益計算書又はこれらに代わる書面による確認その他の方法により調査しなければならない。

(6)With regard to the matters listed in item (i), (d) of the preceding Article, an investigation shall be carried out by making a confirmation based on the balance sheet and profit and loss statements for the business year immediately prior to the day of the investigation or other equivalent documents, or by any other means.

７前条第一号ホに掲げる事項については、事業計画書その他の連鎖販売取引、特定継続的役務提供に係る取引又は業務提供誘引販売取引に係る業務を継続して行うに足りる体制であることを示すものを調査しなければならない。

(7)With regard to the matters listed in item (i), (e) of the preceding Article, an investigation shall be carried out into a documented business plan or other articles showing that the system is sufficient for continuously conducting businesses for Multilevel Marketing Transactions, transactions pertaining to Specified Continuous Service Provision, or Business Opportunity Related Sales Transactions.

８前条第一号ヘに掲げる事項は、次に掲げる事項を含むものでなければならない。

(8)The matters listed in item (i) of the preceding Article shall be the matters including the following:

９前条第一号チに掲げる事項については、認定割賦販売協会その他の特定取引に関する苦情の処理の業務を行う者の保有する情報を調査しなければならない。

(9)With regard to the matters listed in item (i), (h) of the preceding Article, an investigation shall be carried out into information held by a certified installment sales association or any other persons that process complaints concerning specified transactions.

１０前条第二号に掲げる事項に係る調査は、特定契約であつて個別信用購入あつせん関係販売等契約に該当するものに係る個別信用購入あつせん関係受領契約の申込みを受けた後、相当な期間をおいて、電話その他の方法により当該申込みをした者に対して行わなければならない。

(10)An investigation into the matters listed in item (ii) of the preceding Article shall be carried out, in a considerable period of time after receiving an application for a contract for receiving the intermediation of individual credit purchases related to a specified contract that falls under the category of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases, with regard to a person that has filed said application, by phone or by any other means.

１１前条第二号イに掲げる事項は、次に掲げる事項を含むものでなければならない。

(11)The matters listed in item (ii), (a) of the preceding Article shall be the matters including the following:

１２前条第二号ロに掲げる事項については、同号ロに規定する行為の有無を調査しなければならない。

(12)With regard to the matters listed in item (ii), (b) of the preceding Article, an investigation shall be carried out into the existence of any acts prescribed in (b) of said item.

第七十七条個別信用購入あつせん業者は、次の各号に掲げる場合には、第七十五条各号に定める事項のほか、次の各号に掲げる場合の区分に応じ、当該各号に定める事項を調査しなければならない。

Article 77(1)An individual credit purchase intermediary shall, in the cases listed in the following items, investigate the matters specified in the following items, in accordance with the categories listed in the respective items, in addition to the matters specified in the items of Article 75:

２第九十四条第一号の規定により判別した結果、同号の苦情の内容が、個別信用購入あつせん関係販売業者又は個別信用購入あつせん関係役務提供事業者による特定契約に係る個別信用購入あつせん関係販売等契約の申込み又は締結の勧誘に係る行為に起因するものと認められる場合であつて、当該個別信用購入あつせん関係販売業者又は当該個別信用購入あつせん関係役務提供事業者に対して第七十五条第一号に定める事項の調査をしていなかつたときは、前項の規定にかかわらず、遅滞なく、当該調査をしなければならない。

(2)In cases where as a result of the determination under Article 94, item (i), it is deemed that the details of the complaints set forth in said item have been caused by acts pertaining to the solicitation of an application for or conclusion of a Contract for Sales, etc. pertaining to the Intermediation of Individual Credit Purchases related to a specified contract carried out by a seller for the intermediation of individual credit purchases or a service provider for the intermediation of individual credit purchases, and when an investigation into the matters specified in Article 75, item (i) has not been carried out with regard to said seller for the intermediation of individual credit purchases or said service provider for the intermediation of individual credit purchases, said investigation shall be carried out without delay, notwithstanding the provisions of the preceding paragraph.

第七十八条法第三十五条の三の五第二項の規定により、次の各号に掲げる調査の区分に応じ、当該各号に定める事項の記録を、書面又は電磁的方法をもつて作成し、作成後五年間保存しなければならない。ただし、第一号に定める事項の記録については、個別信用購入あつせんに係る契約を締結した場合に限る。

Article 78An individual credit purchase intermediary shall, pursuant to the provisions of Article 35-3-5, paragraph (2) of the Act, prepare a record on the matters specified in the following items in accordance with the categories of investigations listed in the respective items, in writing or in electromagnetic form, and shall preserve said record for five years after preparing it; provided, however, that a record on the matters specified in item (i) shall be prepared and preserved only in cases where the individual credit purchase intermediary has concluded a contract for the intermediation of individual credit purchases:

第七十九条法第三十五条の三の八第九号の経済産業省令・内閣府令で定める事項は、次のとおりとする。

Article 79The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 35-3-8, item (ix) of the Act shall be as follows:

第八十条法第三十五条の三の八各号又は法第三十五条の三の九第二項第一号若しくは第四項第一号の規定により法第三十五条の三の八第五号若しくは第七号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。

Article 80When an individual credit purchase intermediary delivers a document containing the matters set forth in Article 35-3-8, item (v) or item (vii) of the Act, pursuant to the provisions of the items of Article 35-3-8 of the Act or Article 35-3-9, paragraph (2), item (i) or paragraph (4), item (i) of the Act, it shall follow the rules specified in the following items:

第八十一条法第三十五条の三の九第二項第四号の経済産業省令・内閣府令で定める事項は、次のとおりとする。

Article 81The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 35-3-9, paragraph (2), item (iv) of the Act shall be as follows:

第八十二条法第三十五条の三の九第二項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。

Article 82When an individual credit purchase intermediary delivers a document containing the matters set forth in the items of Article 35-3-9, paragraph (2) of the Act, it shall follow the rules specified in the following items:

第八十三条法第三十五条の三の九第四項第四号の経済産業省令・内閣府令で定める事項は、次のとおりとする。

Article 83The matters specified by Ordinance of the Ministry of Economy, Trade and Industry and Cabinet Office Ordinance set forth in Article 35-3-9, paragraph (4), item (iv) of the Act shall be as follows:

第八十四条法第三十五条の三の九第四項各号に掲げる事項を記載した書面を交付するときは、次の各号に定めるところによらなければならない。

Article 84When an individual credit purchase intermediary delivers a document containing the matters set forth in the items of Article 35-3-9, paragraph (4) of the Act, it shall follow the rules specified in the following items:

第八十五条法第三十五条の三の十第一項の規定により交付する書面には、次に掲げる事項を記載しなければならない。

Article 85(1)The document to be delivered pursuant to the provisions of Article 35-3-10, paragraph (1) of the Act shall contain the following matters:

２書面には日本産業規格Ｚ八三〇五に規定する八ポイント以上の大きさの文字及び数字を用いなければならない。

(2)Letters and numbers in 8 point or larger as specified in JIS Z-8305 shall be used for the document.

３書面に記載するに際し、第一項第一号及び第二号又は第三号に掲げる事項の内容については赤枠の中に赤字で記載しなければならない。

(3)When filling out the document, the details of the matters listed in paragraph (1), item (i) and item (ii) or item (iii) shall be indicated in red in a red box.

４個別信用購入あつせん関係販売業者若しくは個別信用購入あつせん関係役務提供事業者又は個別信用購入あつせん業者は、法第三十五条の三の十第一項の規定により交付する書面を申込者等（同項に規定する申込者等をいう。以下この項において同じ。）に交付した際には、直ちに申込者等が当該書面を見ていることを確認した上で、第一項第一号及び第二号又は第三号に掲げる事項の内容について申込者等に告げなければならない。

(4)When a seller for the intermediation of individual credit purchases, a service provider for the intermediation of individual credit purchases, or an individual credit purchase intermediary has delivered a document to be delivered under Article 35-3-10, paragraph (1) of the Act to the applicant, etc. (meaning the applicant, etc. prescribed in said paragraph; hereinafter the same shall apply in this paragraph), it shall immediately confirm that the applicant, etc. sees said document and convey to the applicant, etc. the details of the matters listed in paragraph (1), item (i) and item (ii) or item (iii).

第八十六条法第三十五条の三の十一第一項第一号の規定により交付する書面には、次に掲げる事項を記載しなければならない。

Article 86(1)The document to be delivered pursuant to the provisions of Article 35-3-11, paragraph (1), item (i) of the Act shall contain the following matters: