Article 30-2Investigation into the Comprehensive Purchase Amount Projected to Be Affordable
第三十条の二（包括支払可能見込額の調査）
When a comprehensive credit purchase intermediary seeks to issue or grant a card, etc. to a user (limited to a user that is an individual; the same applies below in this Article, the following Article, Article 30-5-5, Article 30-5-6, Article 35-2-4, Article 35-2-5 and Section 3) in order to effect the intermediation of comprehensive credit purchases, or seeks to increase the credit line on a card, etc. it has issued or granted to a user (a credit line means the maximum amount of goods or rights the user can purchase or services the user can receive in a way that involves the intermediation of comprehensive credit purchases, and is specified in advance; the same applies below), the comprehensive credit purchase intermediary must investigate, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, the annual income, balance of deposits and savings, payment status of obligations that involve the intermediation of credit purchases (meaning the intermediation of comprehensive credit purchases and the intermediation of individual credit purchases; the same applies below), loan status, and other necessary matters relevant to the calculation of the comprehensive purchase amount projected to be affordable to the user as specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; provided, however, that this does not apply in a case specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order as one that does not prejudice the protection of that user.
包括信用購入あつせん業者は、包括信用購入あつせんをするためカード等を利用者（個人である利用者に限る。以下この条、次条、第三十条の五の五、第三十条の五の六、第三十五条の二の四、第三十五条の二の五及び第三節において同じ。）に交付し若しくは付与しようとする場合又は利用者に交付し若しくは付与したカード等についてそれに係る極度額（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額の上限であつて、あらかじめ定められたものをいう。以下同じ。）を増額しようとする場合には、その交付若しくは付与又はその増額に先立つて、経済産業省令・内閣府令で定めるところにより、年収、預貯金、信用購入あつせん（包括信用購入あつせん及び個別信用購入あつせんをいう。以下同じ。）に係る債務の支払の状況、借入れの状況その他の当該利用者の包括支払可能見込額を算定するために必要な事項として経済産業省令・内閣府令で定めるものを調査しなければならない。ただし、当該利用者の保護に支障を生ずることがない場合として経済産業省令・内閣府令で定める場合は、この限りでない。
The "comprehensive purchase amount projected to be affordable" as used in this Section means the projected amount that a user can allocate in a year for payment of the amount that corresponds to the cost of goods or designated rights that the user seeks to purchase or consideration for services that the user seeks to receive in a way that involves the intermediation of comprehensive credit purchases, without transferring or pledging as collateral the home that the user principally uses as a residence or other assets specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, and without using money that should be allocated to the living expenses of the user (meaning the amount specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order as the annual cost that is necessary for maintaining the minimum standards of living; the same applies in Article 35-3-3).
この節において「包括支払可能見込額」とは、主として自己の居住の用に供する住宅その他の経済産業省令・内閣府令で定める資産を譲渡し、又は担保に供することなく、かつ、生活維持費（最低限度の生活を維持するために必要な一年分の費用として経済産業省令・内閣府令で定める額をいう。第三十五条の三の三において同じ。）に充てるべき金銭を使用することなく、利用者が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購入しようとする商品若しくは指定権利の代金又は受領しようとする役務の対価に相当する額の支払に充てることができると見込まれる一年間当たりの額をいう。
When a comprehensive credit purchase intermediary performs an investigation pursuant to the provisions of the main clause of paragraph (1), it must use specified credit information (meaning information about the comprehensive purchase amount projected to be affordable, the user purchase amount projected to be affordable as prescribed in Article 30-5-4, paragraph (1) or the individual purchase amount projected to be affordable as prescribed in Article 35-3-3, paragraph (2) for a user, or for a purchaser (limited to an individual purchaser; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and Section 3) or service recipient (limited to an individual service recipient; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and that Section) (including information that can be used to distinguish the user, purchaser, or service recipient) which concerns the payment status of obligations from the intermediation of credit purchases and other information specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; the same applies below) that is held by a person with a designation under the provisions of Article 35-3-36, paragraph (1) (referred to below as the "designated credit bureau").
包括信用購入あつせん業者は、第一項本文の規定による調査を行うときは、第三十五条の三の三十六第一項の規定による指定を受けた者（以下「指定信用情報機関」という。）が保有する特定信用情報（利用者又は購入者（個人である購入者に限る。以下この項、第三十五条の三の三、第三十五条の三の四及び第三節において同じ。）若しくは役務の提供を受ける者（個人である役務の提供を受ける者に限る。以下この項、第三十五条の三の三、第三十五条の三の四及び同節において同じ。）の包括支払可能見込額、第三十条の五の四第一項に規定する利用者支払可能見込額又は第三十五条の三の三第二項に規定する個別支払可能見込額に関する情報（当該利用者又は購入者若しくは役務の提供を受ける者を識別することができる情報を含む。）のうち、信用購入あつせんに係る債務の支払の状況その他経済産業省令・内閣府令で定めるものをいう。以下同じ。）を使用しなければならない。
When a comprehensive credit purchase intermediary issues or grants a card, etc. to a user in order to effect the intermediation of comprehensive credit purchases, or increases the credit line on a card, etc. it has issued or granted to a user, the comprehensive credit purchase intermediary must record and archive the results of the investigation under the provisions of the main clause of paragraph (1), pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.
包括信用購入あつせん業者は、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若しくは付与した場合又は利用者に交付し若しくは付与したカード等についてそれに係る極度額を増額した場合には、経済産業省令・内閣府令で定めるところにより、第一項本文の規定による調査に関する記録を作成し、これを保存しなければならない。
Read this with the articles around it
intermediation of comprehensive credit purchases
「包括信用購入あつせん」
Giving a user a card or similar means (カード等) — a card, number or code — with which the user can buy goods or rights from particular sellers, or receive services from particular service providers, then paying the seller or provider and collecting the amount from the user later: either by a set date more than two months after the purchase contract, or in amounts worked out at set intervals from the total bought.
Defined inArticle 2, paragraph (3)· applies throughout the law
card, etc.
「カード等」
In the rules on the intermediation of comprehensive credit purchases (包括信用購入あつせん), a card or other object, or a number, symbol or other code, that a user is given and can present, quote or hand over to buy goods or rights from particular sellers, or receive services from particular service providers, for payment — a credit card or its number, for example.
Short name set inArticle 2, paragraph (3), item (i)· applies only in this paragraph and in Article 2, paragraph (4); Article 35-16; and Chapter 3, Section 1
intermediation of individual credit purchase
「個別信用購入あつせん」
Without using a card or similar means (カード等), paying a particular seller or service provider all or part of the price of goods, designated rights (指定権利) or services it sells or provides to a purchaser, and collecting that amount from the purchaser by set dates — except where it is all collected by a set date within two months of the purchase contract.
Defined inArticle 2, paragraph (4)· applies throughout the law
designated right
「指定権利」
A right to use facilities or to receive services, sold in transactions of people's everyday lives, that a Cabinet Order (政令) specifies.
Defined inArticle 2, paragraph (5)
comprehensive credit purchase intermediary
「包括信用購入あつせん業者」
A person whose business is the intermediation of comprehensive credit purchases (包括信用購入あつせん) — a credit card company, for example.
Short name set inArticle 30, paragraph (1)
intermediation of credit purchasesmachine translation
「信用購入あつせん」
The intermediation of comprehensive credit purchases (包括信用購入あつせん) and the intermediation of individual credit purchases (個別信用購入あつせん) taken together.
Defined inArticle 30-2, paragraph (1)
credit linemachine translation
「極度額」
The upper limit, set in advance, on what a user can buy, or receive in services, through the intermediation of comprehensive credit purchases (包括信用購入あつせん) — the credit line of a card.
Defined inArticle 30-2, paragraph (1)
comprehensive purchase amount projected to be affordable
「包括支払可能見込額」
In Section 1 of Chapter III, the amount a user is expected to be able to put each year toward paying for what they buy through the intermediation of comprehensive credit purchases (包括信用購入あつせん), without selling or pledging their home or other assets an Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order (経済産業省令・内閣府令) specifies, and without using money needed for minimum living expenses (生活維持費).
Defined inArticle 30-2, paragraph (2)· applies only in this section
living expensesmachine translation
「生活維持費」
In Article 30-2, paragraph (2) and Article 35-3-3, the amount an Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order (経済産業省令・内閣府令) sets as a year's cost of maintaining a minimum standard of living.
Defined inArticle 30-2, paragraph (2)· applies only in this provision and in Article 35-3-3
designated credit bureau
「指定信用情報機関」
A body the Minister of Economy, Trade and Industry has designated under Article 35-3-36, paragraph (1) to collect specified credit information (特定信用情報) and provide it to comprehensive and individual credit purchase intermediaries.
Short name set inArticle 30-2, paragraph (3)
specified credit informationmachine translation
「特定信用情報」
Information on an individual user's, purchaser's or service recipient's comprehensive purchase amount projected to be affordable (包括支払可能見込額), user purchase amount projected to be affordable (利用者支払可能見込額) or individual purchase amount projected to be affordable (個別支払可能見込額), including information identifying them, of the kinds an Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order (経済産業省令・内閣府令) specifies, such as how they have been paying debts arising from the intermediation of credit purchases (信用購入あつせん).
Defined inArticle 30-2, paragraph (3)
user purchase amount projected to be affordablemachine translation
「利用者支払可能見込額」
The amount a user is expected to be able to put toward paying for what they buy through the intermediation of comprehensive credit purchases (包括信用購入あつせん) without difficulty in maintaining a minimum standard of living, which an intermediary certified under Article 30-5-4 may calculate in place of the comprehensive purchase amount projected to be affordable (包括支払可能見込額).
Defined inArticle 30-5-4, paragraph (1)
individual purchase amount projected to be affordable
「個別支払可能見込額」
In Section 2 of Chapter III, the amount a purchaser or service recipient is expected to be able to put each year toward paying for what they buy through the intermediation of individual credit purchases (個別信用購入あつせん), without selling or pledging their home or other assets an Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order (経済産業省令・内閣府令) specifies, and without using money needed for minimum living expenses (生活維持費).
Defined inArticle 35-3-3, paragraph (2)· applies only in this section