①Before proposing the enactment, amendment or repeal of Cabinet Order as prescribed in Article 7; Article 11, item (i); Article 15, paragraph (1), item (ii) (including as applied mutatis mutandis pursuant to Article 35-3-62); Article 33-2, paragraph (1), item (iii); Article 35-3-26, paragraph (1), item (ii); Article 35-3-61, item (i); or Article 40, paragraph (10) (limited to those related to the provisions of closely related persons); or to specify the percentage or term referred to in Article 9, the competent minister must seek an advisory consultation with the Consumer Economic Affairs Council.

②Before proposing the enactment, amendment or repeal of Cabinet Order as prescribed in paragraph (5) or paragraph (6) of Article 2; Article 30-4, paragraph (4); Article 30-5, paragraph (2); or Article 35-3-19, paragraph (4), the competent minister must seek an advisory consultation with the Consumer Economic Affairs Council and the Consumer Commission, pursuant to the provisions of Cabinet Order.

It is prohibited for any person, in the course of trade, to accept the assignment of a card, etc. (meaning a card or other object as referred to in Article 2, paragraph (1), item (ii) or a card or other object as referred to in paragraph (3), item (i) of that Article; the same applies below in this Article and Article 51-3), or to acquire a card, etc. in connection with the lending of funds.

Installment sellers and loan-affiliated installment sellers must endeavor, based on correct credit information obtained using a jointly incorporated credit bureau (meaning a person that collects credit information and provides it to installment sellers and loan-affiliated installment sellers in the course of trade; the same applies below) and by other means, not to make installment sales or loan-affiliated installment sales that give rise to installment payments, etc. payable by the user, purchaser, or service recipient which are found to exceed that user's, purchaser's, or service recipient's ability to pay.

①It is prohibited for an installment seller, loan-affiliated installment seller, comprehensive credit purchase intermediary, individual credit purchase intermediary, or the officer or employee of any of these to request a credit bureau to provide it with credit information for purposes other than an investigation into a user's (meaning a user as prescribed in Article 2, paragraph (1), item (ii) or a user as prescribed in paragraph (3), item (i) of that Article; the same applies below in this Article), purchaser's, or service recipient's ability to pay, for it to use the credit information it receives from a credit bureau for purposes other than investigating the matters of such a person's ability to pay; or for it to provide that information to a third party.

②It is prohibited for a credit bureau to use credit information for purposes other than an investigation into the matters of a user's, purchaser's, or service recipient's ability to pay.

③A credit bureau must endeavor to provide accurate credit information to installment sellers, loan-affiliated installment sellers, comprehensive credit purchase intermediaries, and individual credit purchase intermediaries.

①Before seeking to effect the registration referred to in Article 33, paragraph (1), the Minister of Economy, Trade and Industry must hear the opinion of the Director-General of the National Police Agency as to the existence of circumstances that fall under Article 33-2, paragraph (1), item (vii), (e), item (viii) or item (ix); before seeking to effect the registration referred to in Article 33-3, paragraph (2), the minister must hear the opinion of the director-general as to the existence of circumstances that fall under Article 33-2, paragraph (1), item (vii), (e); before seeking to effect the registration referred to in Article 35-2-10, paragraph (1), the minister must hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-2-11, paragraph (1), item (vi), (e), item (vii) or item (viii); before seeking to effect the registration referred to in Article 35-2-13, paragraph (2), the minister must hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-2-11, paragraph (1), item (vi), (e); before seeking to effect the registration referred to in Article 35-3-25, paragraph (1) (including as applied mutatis mutandis pursuant to Article 35-3-27, paragraph (2)), the minister must hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-3-26, paragraph (1), item (v), (e), item (vi) or item (vii); before seeking to effect the registration referred to in Article 35-3-28, paragraph (2), the minister must hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-3-26, paragraph (1), item (v), (e); before seeking to effect the registration referred to in Article 35-17-4, paragraph (1), the minister must hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-17-5, paragraph (1), item (v), (e), item (vi) or item (vii); and before seeking to effect the registration referred to in Article 35-17-6, paragraph (2), the minister must hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-17-5, paragraph (1), item (v), (e).

②Before rescinding a registration under Article 34-2, paragraph (1), the Minister of Economy, Trade and Industry may hear the opinion of the Director-General of the National Police Agency as to the existence of circumstances that fall under Article 33-2, paragraph (1), item (vii), (e), item (viii) or item (ix); before rescinding a registration under Article 35-2-14, paragraph (1), the minister may hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-2-11, paragraph (1), item (vi), (e), item (vii) or item (viii); before rescinding a registration under Article 35-3-32, paragraph (1), the minister may hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-3-26, paragraph (1), item (v), (e), item (vi) or item (vii); and before rescinding a registration under Article 35-17-11, paragraph (1), the minister may hear the opinion of the director-general as to the existence of circumstances that fall under Article 35-17-5, paragraph (1), item (v) (e), item (vi) or item (vii).

If there are reasonable grounds to suspect that a registered comprehensive credit purchase intermediary, registered comprehensive small amount credit purchase intermediary, registered individual credit purchase intermediary, or a business that has a contract for handling credit card numbers falls under Article 33-2, paragraph (1), item (vii), (e), item (viii) or item (ix), Article 35-2-11, paragraph (1), item (vi), (e), item (vii) or item (viii), Article 35-3-26, paragraph (1), item (v), (e), item (vi) or item (vii), or Article 35-17-5, paragraph (1), item (v), (e), item (vi) or item (vii) due to which the Director-General of the National Police Agency finds it to be necessary for the Minister of Economy, Trade and Industry to take appropriate measures with respect to the registered comprehensive credit purchase intermediary, the registered comprehensive small amount credit purchase intermediary, the registered individual credit purchase intermediary, or the business that has a contract for handling credit card numbers, the director-general may state an opinion indicating this to the minister.

In addition to what is provided for in Article 39-2, the Minister of Economy, Trade and Industry may file an inquiry with or require cooperation from the relevant administrative organs and relevant local governments in connection with administrative affairs based on the provisions of this Act.

①To the extent necessary for the enforcement of this Act, the competent minister may have a person that is in the business of installment sales as prescribed in Article 2, paragraph (1), item (i) file a business report, pursuant to the provisions of Cabinet Order.

②If the Prime Minister finds it to be necessary for stating an opinion pursuant to the provisions of Article 20-2, paragraph (4) or Article 23, paragraph (4), the minister, within the scope that it is necessary, may have a licensed installment seller whose business operations that are connected with prepaid installment sales fall under Article 20-2, paragraph (1), item (iii) or a licensed installment seller that has violated an order under Article 23, paragraph (2), item (iv) file a business report, pursuant to the provisions of Cabinet Order.

③To the extent necessary for the enforcement of this Act, the Minister of Economy, Trade and Industry may order a comprehensive credit purchase intermediary or individual credit purchase intermediary to submit a business report, its books and documents, and other articles, pursuant to the provisions of Cabinet Order.

④If the Prime Minister finds it to be necessary for stating an opinion pursuant to the provisions of Article 30-5-3, paragraph (3); Article 30-6, paragraph (3); Article 34-2, paragraph (4); Article 35-2-8, paragraph (3); Article 35-2-14, paragraph (4); Article 35-3-21, paragraph (3); or Article 35-3-32, paragraph (4); the minister, within the scope that it is necessary, may order a comprehensive credit purchase intermediary that has violated the provisions of the main clause of Article 30-2, paragraph (1); paragraph (3) or paragraph (4) of that Article; the main clause of Article 30-2-2; Article 30-5-2; the main clause of Article 30-5-5, paragraph (1); paragraph (2) or paragraph (3) of that Article; the main clause of Article 30-5-6; the main clause of Article 35-2-4, paragraph (1); paragraph (2) or paragraph (3) of that Article; or the main clause of Article 35-2-5 or an order under Article 34-2, paragraph (2), item (i); or Article 35-2-14, paragraph (2), item (i); or an individual credit purchase intermediary that has violated the provisions of the main clause of Article 35-3-3, paragraph (1); paragraph (3) or paragraph (4) of that Article; the main clause of Article 35-3-4; Article 35-3-5; the main clause of Article 35-3-7; or Article 35-3-20; or an order under Article 35-3-32, paragraph (2), item (i), to submit a business report, its books and documents, and other articles, pursuant to the provisions of Cabinet Order.

⑤To the extent necessary for the enforcement of this Act, the Minister of Economy, Trade and Industry may have a person that has obtained the license referred to in Article 35-3-61 or a designated entrusted institution file a business report, pursuant to the provisions of Cabinet Order.

⑥If the Prime Minister finds it to be necessary for stating an opinion pursuant to the provisions of Article 20-2, paragraph (4) or Article 23, paragraph (4) as applied mutatis mutandis pursuant to Article 35-3-62, the minister, within the scope that it is necessary, may have a person that has obtained the license referred to in Article 35-3-61 and whose business operations that are connected with specified prepaid transactions fall under the provisions of Article 20-2, paragraph (1), item (iii) as applied mutatis mutandis pursuant to Article 35-3-62; or a person that has obtained the license referred to in Article 35-3-61 and that has violated an order under Article 23, paragraph (2), item (iv) as applied mutatis mutandis pursuant to Article 35-3-62 (limited to a case in which the business operations that are connected with specified prepaid transactions of the person that has obtained the license referred to in Article 35-3-61, fall under Article 20-2, paragraph (1), item (iii) as applied mutatis mutandis pursuant to Article 35-3-62) file a business report, pursuant to the provisions of Cabinet Order.

⑦To the extent necessary for the enforcement of this Act, the Minister of Economy, Trade and Industry may have a business that handles credit card numbers (excluding a comprehensive credit purchase intermediary; the same applies in paragraph (3) of the next Article) or an entrusted business that handles credit card numbers file a status report on the proper management of credit card numbers, pursuant to the provisions of Cabinet Order.

⑧To the extent necessary for the enforcement of this Act, the Minister of Economy, Trade and Industry may order a business that has a contract for handling credit card numbers to file a business report, or to submit its books, documents or other articles, relating to its operations, pursuant to the provisions of Cabinet Order.

⑨If the Minister of Economy, Trade and Industry finds it to be particularly necessary in order to enforce this Act, the minister, within the scope that it is necessary, may have a person that has been entrusted by a comprehensive credit purchase intermediary with services linked to the intermediation of comprehensive credit purchases file a report on the services linked to the intermediation of comprehensive credit purchases with which it has been entrusted, pursuant to the provisions of Cabinet Order.

⑩If the Minister of Economy, Trade and Industry finds it to be particularly necessary in order to enforce this Act, the minister, within the scope that it is necessary, may order a seller affiliated with the intermediation of individual credit purchases, a service provider affiliated with the intermediation of individual credit purchases, or any other person specified by Cabinet Order as being closely affiliated with an individual credit purchase intermediary (referred to below as a "closely related person" in paragraph (5) of the following Article) to submit reports, books and documents, papers, and other materials that should serve as a reference concerning the individual credit purchase intermediary's compliance with the provisions of Article 35-3-5 and the main clause of Article 35-3-7, pursuant to the provisions of Cabinet Order.

⑪If the Minister of Economy, Trade and Industry finds it to be necessary for ensuring the proper management of specified credit information services, the minister may order a designated credit bureau to submit reports, books and documents, papers, and other articles with respect to its business activities or assets.

⑫If the Minister of Economy, Trade and Industry finds it to be particularly necessary for ensuring the proper management of specified credit information services, the minister, within the scope that it is necessary, may have a participating comprehensive credit purchase intermediary, participating individual credit purchase intermediary, or any other person that uses a designated credit bureau, or a person that has been entrusted as under the paragraphs of Article 35-3-42, file a report that should serve as a reference concerning the business activities or assets of the designated credit bureau.

⑬If the Minister of Economy, Trade and Industry finds it to be necessary for ensuring the proper management of certified services, the minister may have a certified installment sales association file a report on its business or assets.

⑭Before seeking to collect a report under paragraph (2) or paragraph (6), or to order the submission of reports, books and documents, papers, or other articles under paragraph (4), the Prime Minister must consult with the Minister of Economy, Trade and Industry.