Chapter III-5 Certified Installment Sales Association
第三章の五 認定割賦販売協会
Article 35-18Certification and Services of a Certified Installment Sales Association
第三十五条の十八（認定割賦販売協会の認定及び業務）
At the application of a general incorporated association that installment sellers, loan-affiliated installment sellers, comprehensive credit purchase intermediaries, individual credit purchase intermediaries, credit card purchase intermediaries (excluding comprehensive credit purchase intermediaries), persons listed in Article 35-16, paragraph (1), items (iii) through (vii), or businesses that have contracts for handling credit card numbers (collectively referred to below as "installment sellers, etc." in this Chapter) have incorporated and that is found to fall under the following requirements, the Minister of Economy, Trade and Industry may certify that general incorporated association as a person that performs the services prescribed in the following paragraph (referred to below as "certified services"), pursuant to the provisions of Cabinet Order:
経済産業大臣は、政令で定めるところにより、割賦販売業者、ローン提携販売業者、包括信用購入あつせん業者、個別信用購入あつせん業者、クレジットカード等購入あつせん業者（包括信用購入あつせん業者を除く。）、第三十五条の十六第一項第三号から第七号までに掲げる者又はクレジットカード番号等取扱契約締結事業者（以下この章において「割賦販売業者等」と総称する。）が設立した一般社団法人であつて、次に掲げる要件に該当すると認められるものを、その申請により、次項に規定する業務（以下「認定業務」という。）を行う者として認定することができる。
a general incorporated association whose purpose is contributing to the sound development of dealings in installment sales, loan-affiliated installment sales, the intermediation of comprehensive credit purchases, or the intermediation of individual credit purchases (referred to below as "dealings in installment sales, etc." in this Chapter) and contributing to protecting the interests of users (meaning users as prescribed in Article 2, paragraph (1), item (ii) and users as prescribed in paragraph (3), item (i) of that Article), purchasers, or service recipients (referred to below as "users, etc." in this Chapter);
割賦販売、ローン提携販売、包括信用購入あつせん又は個別信用購入あつせんに係る取引（以下この章において「割賦販売等に係る取引」という。）の健全な発達及び利用者（第二条第一項第二号に規定する利用者及び同条第三項第一号に規定する利用者をいう。）又は購入者若しくは役務の提供を受ける者（以下この章において「利用者等」という。）の利益の保護に資することを目的とすること。
a general incorporated association with a provision in its articles of incorporation indicating that installment sellers, etc. are its members;
割賦販売業者等を社員とする旨の定款の定めがあること。
a general incorporated association that provides the means of implementing the necessary services to allow the services prescribed in the following paragraph to be performed properly and reliably; and
次項に規定する業務を適正かつ確実に行うに必要な業務の実施の方法を定めているものであること。
a general incorporated association that has the sufficient knowledge, ability, and financial basis to perform the services prescribed in the following paragraph properly and reliably.
次項に規定する業務を適正かつ確実に行うに足りる知識及び能力並びに財産的基礎を有するものであること。
A general incorporated association that is certified pursuant to the provisions of the preceding paragraph (referred to below as a "certified installment sales association") is to perform the following services:
前項の規定により認定された一般社団法人（以下「認定割賦販売協会」という。）は、次に掲げる業務を行うものとする。
enactment of the necessary rules for ensuring fair dealings in installment sales, etc. and for achieving the proper management of credit card numbers;
割賦販売等に係る取引の公正の確保及びクレジットカード番号等の適切な管理等を図るために必要な規則の制定
investigation of members' compliance with the provisions of this Act, orders that are based on this Act, dispositions that are based on this Act or on such an order, and the rules referred to in the preceding item;
会員のこの法律の規定若しくはこの法律に基づく命令若しくはこれらに基づく処分又は前号の規則の遵守の状況の調査
instructions and recommendations to members and other services for promoting member compliance with the provisions of this Act, orders based on this Act, or the rules referred to in item (i);
会員にこの法律の規定若しくはこの法律に基づく命令又は第一号の規則を遵守させるための会員に対する指導又は勧告その他の業務
the collection, updating, and provision of information that is necessary for protecting the interests of users, etc.;
利用者等の利益を保護するために必要な情報の収集、整理及び提供
the processing of complaints from users, etc. concerning the services that the members perform;
会員の行う業務に関する利用者等からの苦情の処理
public relations aimed at users, etc. and other services that are necessary in order for the purpose of the certified installment sales association to be achieved; and
the services that contribute to the proper management of credit card numbers, beyond what is stated in the preceding items.
前各号に掲げるもののほか、クレジットカード番号等の適切な管理等に資する業務
Article 35-19Public Inspection of the List of Members
第三十五条の十九（社員名簿の縦覧等）
A certified installment sales association must make the list of its members available for public inspection.
認定割賦販売協会は、社員名簿を公衆の縦覧に供しなければならない。
It is prohibited for a person that is not a certified installment sales association to use a term in its name or trade name which could give rise to the misconception that it is a certified installment sales association.
認定割賦販売協会でない者は、その名称又は商号中に、認定割賦販売協会と誤認されるおそれのある文字を用いてはならない。
It is prohibited for a person that has not joined a certified installment sales association to use a term in its name or trade name which could give rise to the misconception that it is the member of a certified installment sales association.
認定割賦販売協会に加入していない者は、その名称又は商号中に、認定割賦販売協会会員と誤認されるおそれのある文字を用いてはならない。
Article 35-20Reporting to Certified Installment Sales Associations
第三十五条の二十（認定割賦販売協会への報告）
If a comprehensive credit purchase intermediary or individual credit purchase intermediary, each of whom is a member has obtained information concerning conduct compromising to the protection of a user, etc., which a seller affiliated with the intermediation of comprehensive credit purchases or service provider affiliated with the intermediation of comprehensive credit purchases (limited to a person that has concluded a contract involving the intermediation of comprehensive credit purchases or brokerage of third-party payments in the intermediation of comprehensive credit purchases with a comprehensive credit purchase intermediary that is a member or with a broker for third-party payments in the intermediation of comprehensive credit purchases that engages in the brokerage of third-party payments in the intermediation of comprehensive credit purchases for a comprehensive credit purchase intermediary that is a member; referred to below as "seller, etc. affiliated with the intermediation of comprehensive credit purchases" in this Article) or a seller affiliated with the intermediation of individual credit purchases or service provider affiliated with the intermediation of individual credit purchases (limited to a person that has concluded a contract for the intermediation of individual credit purchases with an individual credit purchase intermediary that is a member; referred to below as a "seller, etc. affiliated with the intermediation of individual credit purchases" in this Article) engages in, or any information specified by Order of the Ministry of Economy, Trade and Industry as information about a seller, etc. affiliated with the intermediation of comprehensive credit purchases or a seller, etc. affiliated with the intermediation of individual credit purchases which is necessary to report in order to protect the interests of its users, etc., the member must report this to the certified installment sales association.
会員である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は、包括信用購入あつせん関係販売業者若しくは包括信用購入あつせん関係役務提供事業者（会員である包括信用購入あつせん業者又は会員である包括信用購入あつせん業者のために包括信用購入あつせん関係立替払取次ぎを行う包括信用購入あつせん関係立替払取次業者と包括信用購入あつせん又は包括信用購入あつせん関係立替払取次ぎに係る契約を締結した者に限る。以下この条において「包括信用購入あつせん関係販売業者等」という。）又は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（会員である個別信用購入あつせん業者と個別信用購入あつせんに係る契約を締結した者に限る。以下この条において「個別信用購入あつせん関係販売業者等」という。）が行つた利用者等の保護に欠ける行為に関する情報その他利用者等の利益を保護するために必要な包括信用購入あつせん関係販売業者等又は個別信用購入あつせん関係販売業者等に係る情報として経済産業省令で定めるものを取得したときは、これを認定割賦販売協会に報告しなければならない。
If a business that has a contract for handling credit card numbers who is a member has obtained information concerning conduct compromising to the proper management of credit card numbers that a seller affiliated with the intermediation of credit card purchase or service provider affiliated with the intermediation of credit card purchase has engaged in, or other information specified by the Order of the Ministry of Economy, Trade and Industry as necessary for the proper management of credit card numbers, it must report this to the certified installment sales association.
会員であるクレジットカード番号等取扱契約締結事業者は、そのクレジットカード番号等取扱契約を締結したクレジットカード等購入あつせん関係販売業者又はクレジットカード等購入あつせん関係役務提供事業者が行つたクレジットカード番号等の適切な管理等に支障を及ぼす行為に関する情報その他クレジットカード番号等の適切な管理等のために必要な情報として経済産業省令で定めるものを取得したときは、これを認定割賦販売協会に報告しなければならない。
Article 35-21Information Services by a Certified Installment Sales Association
第三十五条の二十一（認定割賦販売協会による情報提供）
If a certified installment sales association is requested by a comprehensive credit purchase intermediary, individual credit purchase intermediary, or a business that has a contract for handling credit card numbers, each of whom is a member to provide information in its possession which is provided for in the preceding Article, it must provide the information, unless it has legitimate grounds not to do so.
認定割賦販売協会は、その保有する前条に規定する情報について会員である包括信用購入あつせん業者、個別信用購入あつせん業者又はクレジットカード番号等取扱契約締結事業者から提供の請求があつたときは、正当な理由がある場合を除き、当該情報を提供しなければならない。
Article 35-22Duty of Confidentiality of the Officers and Employees
第三十五条の二十二（役職員の秘密保持義務等）
It is prohibited for the officer or employee of a certified installment sales association or a person that has held one of these positions to divulge or misappropriate confidential information learned in the course of duty.
認定割賦販売協会の役員若しくは職員又はこれらの職にあつた者は、その職務に関して知り得た秘密を漏らし、又は盗用してはならない。
It is prohibited for the officer or employee of a certified installment sales association or a person that has held one of these positions to use confidential information learned in the course of duty for a purpose other than use in the certified services for which that information is provided.
Article 35-23Matters Required to Be Included in the Articles of Incorporation
第三十五条の二十三（定款の必要的記載事項）
In addition to matters stated in the items of Article 11, paragraph (1) of the Act on General Incorporated Associations and General Incorporated Foundations (Act No. 48 of 2006) and the provisions of the articles of incorporation which are prescribed in Article 35-18, paragraph (1), item (ii), a certified installment sales association must provide in its articles of incorporation that if a member violates the provisions of this Act, an order that is based on this Act, a disposition that is based on this Act or on such an order, or the rules referred to in paragraph (2), item (i) of that Article, it will order the suspension or restriction of its rights as a member as provided in the articles of incorporation, or expel it from the certified installment sales association.
一般社団法人及び一般財団法人に関する法律（平成十八年法律第四十八号）第十一条第一項各号に掲げる事項及び第三十五条の十八第一項第二号に規定する定款の定めのほか、認定割賦販売協会は、その定款において、この法律の規定若しくはこの法律に基づく命令若しくはこれらに基づく処分又は同条第二項第一号の規則に違反した社員に対し、定款で定める社員の権利の停止若しくは制限を命じ、又は除名する旨を定めなければならない。
Article 35-24Improvement Orders
第三十五条の二十四（改善命令等）
If the Minister of Economy, Trade and Industry finds that an improvement is needed in connection with the operation of certified services, the minister may order a certified installment sales association to take the necessary measures to improve this, inasmuch as this is necessary for the enforcement of this Act.
If the Minister of Economy, Trade and Industry finds a certified installment sales association's business operations to be in violation of the provisions of this Act, an order that is based on this Act, or a disposition that is based on this Act or on such an order, the minister may rescind its certification.
経済産業大臣は、認定割賦販売協会の業務の運営がこの法律の規定若しくはこの法律に基づく命令又はこれらに基づく処分に違反していると認めるときは、その認定を取り消すことができる。
installment sale
「割賦販売」
Selling designated goods or rights (指定商品, 指定権利), or providing designated services (指定役務), either on terms that the price is received over two months or more in three or more payments (including out of deposits the buyer makes with a bank the seller names), or to a user given a card or similar means (カード等) on terms that the user pays, at set intervals, an amount worked out by a set method from the total bought.
Defined inArticle 2, paragraph (1)· applies throughout the law
loan-affiliated installment sale
「ローン提携販売」
Selling designated goods or rights (指定商品, 指定権利), or providing designated services (指定役務), to a user who has been given a card or similar means (カード等) and borrows the price, with the seller guaranteeing the user's loan (or having a professional guarantor do so), where the loan is repaid over two months or more in three or more installments, or in amounts worked out at set intervals from the total borrowed.
Defined inArticle 2, paragraph (2)· applies throughout the law
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
user
「利用者」
In Article 2, paragraph (3) and the provisions it names (among them Sections 1 and 3 of Chapter III), a person who is given a card or similar means (カード等) to buy goods or rights from particular sellers, or receive services from particular service providers, through the intermediation of comprehensive credit purchases (包括信用購入あつせん).
Short name set inArticle 2, paragraph (3), item (i)· applies only in this paragraph
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
installment seller
「割賦販売業者」
A person whose business is installment sales (割賦販売).
Short name set inArticle 3, paragraph (1)
loan-affiliated installment seller
「ローン提携販売業者」
A person whose business is loan-affiliated installment sales (ローン提携販売).
Short name set inArticle 29-2, paragraph (1)
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)
service provider affiliated with the intermediation of comprehensive credit purchasesmachine translation
「包括信用購入あつせん関係役務提供事業者」
A service provider that has made a contract for the intermediation of comprehensive credit purchases (包括信用購入あつせん) with a comprehensive credit purchase intermediary, or a contract for brokerage of third-party payments with a broker for third-party payments in that intermediation (包括信用購入あつせん関係立替払取次業者).
Short name set inArticle 30-2-3, paragraph (5)
brokerage of third-party payments in the intermediation of comprehensive credit purchasesmachine translation
「包括信用購入あつせん関係立替払取次ぎ」
Paying a seller or service provider, in one's own name and for a particular comprehensive credit purchase intermediary (包括信用購入あつせん業者), an amount equal to the price of goods, rights or services a user buys with a card or similar means (カード等), whether directly or through someone else.
Short name set inArticle 30-2-3, paragraph (5)
broker for third-party payments in the intermediation of comprehensive credit purchasesmachine translation
「包括信用購入あつせん関係立替払取次業者」
A person whose business is brokerage of third-party payments in the intermediation of comprehensive credit purchases (包括信用購入あつせん関係立替払取次ぎ): paying sellers and service providers, in its own name and for a particular comprehensive credit purchase intermediary, for what users buy with that intermediary's cards.
Short name set inArticle 30-2-3, paragraph (5)
seller affiliated with the intermediation of comprehensive credit purchasesmachine translation
「包括信用購入あつせん関係販売業者」
A seller that has made a contract for the intermediation of comprehensive credit purchases (包括信用購入あつせん) with a comprehensive credit purchase intermediary, or a contract for brokerage of third-party payments with a broker for third-party payments in that intermediation (包括信用購入あつせん関係立替払取次業者).
Short name set inArticle 30-2-3, paragraph (5)
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)
service provider affiliated with the intermediation of individual credit purchasesmachine translation
「個別信用購入あつせん関係役務提供事業者」
A service provider that has made a contract for the intermediation of individual credit purchases (個別信用購入あつせん) with an individual credit purchase intermediary (個別信用購入あつせん業者).
Short name set inArticle 35-3-2, paragraph (1)
seller affiliated with the intermediation of individual credit purchasesmachine translation
「個別信用購入あつせん関係販売業者」
A seller that has made a contract for the intermediation of individual credit purchases (個別信用購入あつせん) with an individual credit purchase intermediary (個別信用購入あつせん業者).
Short name set inArticle 35-3-2, paragraph (1)
credit card purchase intermediarymachine translation
「クレジットカード等購入あつせん業者」
A comprehensive credit purchase intermediary (包括信用購入あつせん業者), or a person whose business is the intermediation of two-month installment purchases (二月払購入あつせん) — in other words, a business that issues cards or card numbers to users.
Short name set inArticle 35-16, paragraph (1)
service provider affiliated with the intermediation of credit card purchasesmachine translation
「クレジットカード等購入あつせん関係役務提供事業者」
A service provider that provides services to be paid for through the intermediation of credit card purchases (クレジットカード等購入あつせん) — one that accepts payment by credit card or card number.
Short name set inArticle 35-16, paragraph (1), item (ii)
seller affiliated with the intermediation of credit card purchasesmachine translation
「クレジットカード等購入あつせん関係販売業者」
A seller that sells goods or rights to be paid for through the intermediation of credit card purchases (クレジットカード等購入あつせん) — one that accepts payment by credit card or card number.
Short name set inArticle 35-16, paragraph (1), item (ii)
business that has a contract for handling credit card numbersmachine translation
「クレジットカード番号等取扱契約締結事業者」
A business registered under Article 35-17-2 — a credit card purchase intermediary (クレジットカード等購入あつせん業者), or a business acting for a particular one — whose business is making contracts that allow sellers and service providers to handle the credit card numbers and similar codes (クレジットカード番号等) given to users.
Defined inArticle 35-17-5, paragraph (1), item (v), (d)
contract for handling credit card numbersmachine translation
「クレジットカード番号等取扱契約」
A contract of a kind Article 35-17-2 lists, by which a credit card purchase intermediary (クレジットカード等購入あつせん業者), or a business acting for a particular one, allows a seller or service provider that takes card payments to handle the credit card numbers and similar codes (クレジットカード番号等) the intermediary gives its users.
Defined inArticle 35-17-5, paragraph (1), item (viii)
proper management of credit card numbers
「クレジットカード番号等の適切な管理等」
Keeping credit card numbers and similar codes (クレジットカード番号等) properly managed, or preventing users from using them fraudulently — what a business must check a seller or service provider for under Article 35-17-8 before contracting to let it handle them.
Short name set inArticle 35-17-8, paragraph (1)
installment sellers, etc.
「割賦販売業者等」
In Chapter III-5, installment sellers, loan-affiliated installment sellers, comprehensive and individual credit purchase intermediaries, credit card purchase intermediaries, the persons Article 35-16, paragraph (1), items (iii) to (vii) list, and businesses that have contracts for handling credit card numbers (クレジットカード番号等取扱契約締結事業者) — the businesses whose association can be certified under Article 35-18.
Short name set inArticle 35-18, paragraph (1)· applies only in this chapter
certified services
「認定業務」
The work set out in Article 35-18, paragraph (2) for which a certified installment sales association (認定割賦販売協会) is certified: making rules, checking and guiding members' compliance, collecting and providing information to protect users, handling complaints, and related work.
Short name set inArticle 35-18, paragraph (1)
users, etc.
「利用者等」
In Chapter III-5, users (利用者) given a card or similar means under Article 2, paragraph (1), item (ii) or paragraph (3), item (i), together with purchasers and service recipients.
Short name set inArticle 35-18, paragraph (1), item (i)· applies only in this chapter
dealings in installment sales, etc.
「割賦販売等に係る取引」
In Chapter III-5, dealings in installment sales (割賦販売), loan-affiliated installment sales (ローン提携販売), and the intermediation of comprehensive or individual credit purchases (包括信用購入あつせん, 個別信用購入あつせん).
Short name set inArticle 35-18, paragraph (1), item (i)· applies only in this chapter
certified installment sales association
「認定割賦販売協会」
A general incorporated association (一般社団法人) set up by installment sellers and the other businesses Article 35-18, paragraph (1) names and certified by the Minister of Economy, Trade and Industry, which makes rules for fair dealing and the proper management of credit card numbers, checks and guides its members' compliance, and handles complaints from users.
Short name set inArticle 35-18, paragraph (2)
seller, etc. affiliated with the intermediation of individual credit purchasesmachine translation
「個別信用購入あつせん関係販売業者等」
In Article 35-20, a seller or service provider affiliated with the intermediation of individual credit purchases that has a contract for that intermediation with an individual credit purchase intermediary (個別信用購入あつせん業者) who is a member of the certified installment sales association (認定割賦販売協会).
Short name set inArticle 35-20, paragraph (1)· applies only in this article
seller, etc. affiliated with the intermediation of comprehensive credit purchasesmachine translation
「包括信用購入あつせん関係販売業者等」
In Article 35-20, a seller or service provider affiliated with the intermediation of comprehensive credit purchases that has its contract with a comprehensive credit purchase intermediary that is a member of the certified installment sales association (認定割賦販売協会), or with a broker for third-party payments acting for such a member.
Short name set inArticle 35-20, paragraph (1)· applies only in this article
articles of incorporation
定款
A company's own basic rules, written by its founders when it is formed: at least its purpose, its trade name, where its head office is, the value of the property contributed at incorporation and who the founders are (Companies Act, Article 27). A stock company's must be certified by a notary before it takes effect (Article 30, paragraph (1)), and can later be changed by a resolution of the shareholders meeting (Article 466). Many rules in the Act apply "unless the articles of incorporation provide otherwise", so a company's articles decide a great deal of how the Act applies to it.
Written by AI using Companies Act, Arts. 26, 27, 30, 466, 575 as a reference.