Article 35-3-3Investigation of the Individual Purchase Amount Projected to Be Affordable
第三十五条の三の三（個別支払可能見込額の調査）
Before an individual credit purchase intermediary seeks to conclude a contract under which an amount of money will be received that corresponds to the cost of goods or designated rights purchased or consideration for services received in a way that involves the intermediation of individual credit purchases (the contract is referred to below as a "contract providing the receipt of monies subject to the intermediation of individual credit purchases"), it 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 connected with the intermediation of credit purchases, loan status, and other necessary matters relevant to the calculation of the individual purchase amount projected to be affordable for that purchaser or service recipient, 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 purchaser or service recipient.
個別信用購入あつせん業者は、個別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される商品若しくは指定権利の代金又は受領される役務の対価に相当する額の受領に係る契約（以下「個別信用購入あつせん関係受領契約」という。）を締結しようとする場合には、その契約の締結に先立つて、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、信用購入あつせんに係る債務の支払の状況、借入れの状況その他の当該購入者又は当該役務の提供を受ける者の個別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、当該購入者又は当該役務の提供を受ける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 "individual purchase amount projected to be affordable" as used in this Section means the projected amount that a purchaser or service recipient can allocate in a year for payment of the amount that corresponds to the cost of goods or designated rights that a purchaser seeks to purchase or consideration for services that a service recipient seeks to receive in a way that involves the intermediation of individual credit purchases, without transferring or pledging as collateral the home that the purchaser or service recipient 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 purchaser or service recipient.
この節において「個別支払可能見込額」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、生活維持費に充てるべき金銭を使用することなく、購入者又は役務の提供を受ける者が個別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 an individual credit purchase intermediary performs an investigation pursuant to the provisions of the main clause of paragraph (1), it must use the specified credit information held by a designated credit bureau.
個別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、指定信用情報機関が保有する特定信用情報を使用しなければならない。
When an individual credit purchase intermediary concludes a contract providing the receipt of monies subject to the intermediation of individual credit purchases, the individual credit purchase intermediary must prepare and archive a record of the investigation under the main clause of paragraph (1), pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.
個別信用購入あつせん業者は、個別信用購入あつせん関係受領契約を締結した場合には、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 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)
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)
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)
individual credit purchase intermediarymachine translation
「個別信用購入あつせん業者」
A person whose business is the intermediation of individual credit purchases (個別信用購入あつせん).
Short name set inArticle 35-3-2, paragraph (1)
contract providing the receipt of monies subject to the intermediation of individual credit purchasesmachine translation
「個別信用購入あつせん関係受領契約」
A contract under which an individual credit purchase intermediary (個別信用購入あつせん業者) is to receive from the purchaser or service recipient an amount equal to the price of goods or designated rights (指定権利) bought, or services received, through the intermediation of individual credit purchases — the purchaser's credit contract with the intermediary.
Short name set inArticle 35-3-3, 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