第一節 総則
Section 1 General Provisions
Article 3Indication of the Terms and Conditions of Installment Sales
If a person in the business of installment sales (referred to below as an "installment seller") seeks to sell designated goods or designated rights or to provide designated services in a way that involves an installment sale as prescribed in paragraph (1), item (i) of the preceding Article (excluding the sale of goods or rights or the provision of services to a user wherein the user is issued or granted a card, etc. and that card, etc. is presented, indicated, or traded in), the installment seller must indicate the following matters about the designated goods, designated rights, or designated services to the other party, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry, and Cabinet Office Order:
the cash price of the goods or rights (meaning the price that the goods or rights would be if the seller received the full cost for them upon delivery of the goods or transfer of the rights; the same applies below) or the cash price of the services (meaning the price that services would be if the service provider received the full amount of consideration for them upon the conclusion of the service contract; the same applies below);
商品若しくは権利の現金販売価格(商品の引渡し又は権利の移転と同時にその代金の全額を受領する場合の価格をいう。以下同じ。)又は役務の現金提供価格(役務を提供する契約の締結と同時にその対価の全額を受領する場合の価格をいう。以下同じ。)
the installment price of the goods or rights (meaning the price of the goods or rights when the seller sells them in a way that constitutes an installment sale; the same applies below) or the installment price of the services (meaning the price of the services when the service provider provides them in a way that involves an installment sale; the same applies below);
商品若しくは権利の割賦販売価格(割賦販売の方法により商品又は権利を販売する場合の価格をいう。以下同じ。)又は役務の割賦提供価格(割賦販売の方法により役務を提供する場合の価格をいう。以下同じ。)
the term and number of payments for the cost of the goods or rights or consideration for the services under the installment sale (including any deposit of money to be allocated to that payment; the same applies below, except in the following paragraph);
if it is an installment sale other than a prepaid installment sale as prescribed in Article 11, the rate of the fee connected with that installment sale, as arrived at by the method of calculation specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; and
if it is a prepaid installment sale as prescribed in Article 11, the timing of the delivery of goods.
If an installment seller issues or grants a card, etc. to a user in order to sell designated goods or designated rights or provide designated services in a way that involves an installment sale as prescribed in paragraph (1), item (i) of the preceding Article (but only if the installment seller issues or grants the card, etc. to the user and sells goods or rights or provides services to the user when the card, etc. is presented, indicated, or traded in), the installment seller must deliver a document to the user stating the following matters in respect of the terms and conditions of the sale of goods or rights or the terms and conditions for the provision of services when an installment sale is made, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:
the term and number of payments for the cost of the goods or rights or the consideration for the services in connection with an installment sale;
割賦販売に係る商品若しくは権利の代金又は役務の対価の支払の期間及び回数
the rate of the fee connected with an installment sale, as arrived at by the method of calculation specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; and
経済産業省令・内閣府令で定める方法により算定した割賦販売の手数料の料率
the matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, beyond what is stated in the preceding two items.
前二号に掲げるもののほか、経済産業省令・内閣府令で定める事項
If an installment seller issues or grants a card, etc. to a user in order to sell designated goods or designated rights or provide designated services in a way that involves an installment sale as prescribed in paragraph (1), item (ii) of the preceding Article, the installment seller must deliver a document to the user stating the following matters, in respect of the terms and conditions of the sale of goods or rights or the terms and conditions for the provision of services when an installment sale is made, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:
the time at which the user is required to make payments and how the amount of the payment money is calculated each time;
利用者が弁済をすべき時期及び当該時期ごとの弁済金の額の算定方法
the rate of the fee connected with an installment sale, as arrived at by the method of calculation specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; and
経済産業省令・内閣府令で定める方法により算定した割賦販売の手数料の料率
the matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, beyond what is stated in the preceding two items.
前二号に掲げるもののほか、経済産業省令・内閣府令で定める事項
When an installment seller sells designated goods or designated rights or provides designated services in a way that involves an installment sale as referred to in paragraph (1), paragraph (2), or the preceding paragraph, and advertises the terms and conditions of the sale or the terms and conditions for their provision, it must indicate the matters stated in the items of paragraph (1), the items of paragraph (2), or the items of the preceding paragraph, respectively, in its advertising, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.
Article 4Delivery of Documents
If an installment seller has concluded a contract to sell designated goods or designated rights or a contract to provide designated services in a way that involves an installment sale as prescribed in Article 2, paragraph (1), item (i), it must deliver a document to the purchaser or service recipient which makes clear the details of the contract with respect to the following matters without delay, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:
the installment price of the goods or rights or the installment price of the services;
the amount of an installment (meaning the amount to be paid on each occasion in respect of installment sales; the same applies below);
賦払金(割賦販売に係る各回ごとの代金の支払分をいう。以下同じ。)の額
the timing and method of payment for the installments;
賦払金の支払の時期及び方法
the timing for the delivery of the goods, the timing for the transfer of the rights, or the timing for the provision of the services;
商品の引渡時期若しくは権利の移転時期又は役務の提供時期
information about cancellation of the contract;
契約の解除に関する事項
if there are provisions concerning the transfer of ownership, their details; and
所有権の移転に関する定めがあるときは、その内容
matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, beyond what is stated in the preceding items.
前各号に掲げるもののほか、経済産業省令・内閣府令で定める事項
If an installment seller has concluded a contract to sell designated goods or designated rights or a contract to provide designated services in a way that involves an installment sale as prescribed in Article 2, paragraph (1), item (ii), it must deliver a document to the purchaser or service recipient which makes clear the details of the contract with respect to the following matters without delay, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:
the cash price of the goods or rights or the cash price of the services;
the method of payment for the payment money;
弁済金の支払の方法
the timing for the delivery of the goods, the timing for the transfer of the rights, or the timing for the provision of the services;
商品の引渡時期若しくは権利の移転時期又は役務の提供時期
information about cancellation of the contract;
契約の解除に関する事項
if there are provisions concerning the transfer of ownership, their details; and
所有権の移転に関する定めがあるときは、その内容
matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, beyond what is stated in the preceding items.
前各号に掲げるもののほか、経済産業省令・内閣府令で定める事項
If an installment seller requests that the payment be made in connection with an installment sale as prescribed in Article 2, paragraph (1), item (ii) for designated goods, designated rights, or designated services, it must deliver a document to the purchaser or service recipient stating the following matters in advance, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:
the time at which the payment money is due; and
弁済金を支払うべき時期
the amount of the payment that must be made at the time referred to in the preceding item, and the basis for calculation.
前号の時期に支払われるべき弁済金の額及びその算定根拠
Article 4-2Means of Using Information and Communications Technology
With the consent of the user, purchaser, or service recipient and pursuant to the provisions of Cabinet Order, in lieu of delivering a document under the provisions of paragraph (2) or paragraph (3) of Article 3 or the paragraphs of the preceding Article, an installment seller may provide the user, purchaser, or service recipient with the matters that are required to be stated in the document by a means that makes use of an electronic data processing system, or by any other means specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order which uses information and communications technology (referred to below as an "electronic or magnetic means"). In doing so, the installment seller is deemed to have delivered the relevant document.
Article 5Restrictions on the Cancellation of Contracts
In the event of an unperformed obligation to pay an installment pursuant to a contract under which designated goods or designated rights are sold or a contract under which designated services are provided in a way that involves an installment sale (or to make the payment, in respect of a contract under which designated goods or designated rights are sold or designated services are provided in a way that involves an installment sale as prescribed in Article 2, paragraph (1), item (ii); the same applies below in this paragraph), the installment seller may not cancel the contract or demand the payment of installments that are not yet due on the grounds of a delay in the payment of an installment, unless it makes a written demand for this to be paid within a reasonable period of not less than twenty days, and the obligation is not performed within that period.
Any special provisions of a contract that run counter to the preceding paragraph are void.
前項の規定に反する特約は、無効とする。
定義第二条第一項・法令全体に適用
次に掲げるもの
わかりやすく言うと
指定された商品・権利・役務を、代金や対価を二か月以上にわたり三回以上に分けて受け取る(業者の指定する銀行などに同様に分けて預金させ、そこから受け取る場合を含む)条件で販売・提供することと、カードなどを渡し、決まった時期ごとに利用額の合計をもとに計算した額を受け取る条件で販売・提供することです。
略称規定第二条第一項第二号・この項及び第二条第二項及び第三条及び第二十九条の二の中だけ
それを提示し若しくは通知して、又はそれと引換えに、商品若しくは権利を購入し、又は有償で役務の提供を受けることができるカードその他の物又は番号、記号その他の符号(以下この項及び次項、次条並びに第二十九条の二において「カード等」という。)をこ…
わかりやすく言うと
提示したり番号などを知らせたり、引き換えたりすることで、商品や権利を買い、または有償でサービスを受けることができるカードその他の物や、番号・記号その他の符号のことです。割賦販売を行う者が、それで買い物などをしようとする人に渡し、または付与します。
定義第二条第五項・法令全体に適用
定型的な条件で販売するのに適する商品であつて政令で定めるもの
わかりやすく言うと
決まった条件で売るのに向いた商品のうち、政令で定めるもののことです。
定義第二条第五項
次項、第三十五条の三の六十一、第三十五条の三の六十二、第四十一条及び第四十一条の二を除き、国民の日常生活に係る取引において有償で提供される役務であつて政令で定めるもの
わかりやすく言うと
国民の日常生活に関わる取引で有償で提供される役務のうち、政令で定めるもののことです。ただし第二条第六項、第三十五条の三の六十一、第三十五条の三の六十二、第四十一条と第四十一条の二では、第二条第六項で定める別の指定役務を指します。
定義第二条第五項
施設を利用し又は役務の提供を受ける権利のうち国民の日常生活に係る取引において販売されるものであつて政令で定めるもの
わかりやすく言うと
施設を利用したり役務の提供を受けたりする権利のうち、国民の日常生活に関わる取引で売られるもので、政令で定めるもののことです。
略称規定第三条第一項
割賦販売を業とする者(以下「割賦販売業者」という。)は、前条第一項第一号に規定する割賦販売(カード等を利用者に交付し又は付与し、そのカード等の提示若しくは通知を受けて、又はそれと引換えに当該利用者に商品若しくは権利を販売し、又は役務を提供…
わかりやすく言うと
割賦販売を仕事として行う者のことです。割賦販売とは、指定された商品などを、代金を二か月以上にわたり三回以上に分けて受け取る条件で売ることや、カードなどを渡して決まった時期ごとに利用額の合計をもとに計算した額を受け取る条件で売ることなどをいいます(第二条第一項)。
略称規定第四条の二第一項
…当該利用者又は購入者若しくは役務の提供を受ける者の承諾を得て、当該書面に記載すべき事項を電子情報処理組織を使用する方法その他の情報通信の技術を利用する方法であつて経済産業省令・内閣府令で定めるもの(以下「電磁的方法」という。)により提供…
わかりやすく言うと
電子情報処理組織を使う方法その他の情報通信の技術を利用する方法のうち、経済産業省令・内閣府令で定めるもののことです。
略称規定第十一条第一項
指定商品を引き渡すに先立つて購入者から二回以上にわたりその代金の全部又は一部を受領する第二条第一項第一号に規定する割賦販売(以下「前払式割賦販売」という。)は、経済産業大臣の許可を受けた者でなければ、業として営んではならない。
わかりやすく言うと
二か月以上・三回以上に分けて代金を受け取る条件で指定商品などを売る割賦販売(第二条第一項第一号)のうち、指定商品を引き渡す前に、購入者から二回以上にわたって代金の全部または一部を受け取るものです。
解除
契約や法律の規定により当事者の一方が解除権を持つとき、相手方に対する意思表示によって契約を終わらせることです(民法第五百四十条第一項)。民法は、相手方が債務を履行しないときの解除を定めています。相当の期間を定めて履行を催告してもその期間内に履行がないときは解除でき(残った不履行が軽微なときを除きます。同法第五百四十一条)、履行の全部が不能であるとき、相手方が履行を拒む意思をはっきり示したときなど、履行を受ける見込みがないことが明らかなときは、催告をせずにすぐ解除できます(同法第五百四十二条第一項)。解除すると、各当事者は相手方を元の状態に戻す義務を負い、損害賠償の請求もできます(同法第五百四十五条第一項・第四項)。ただし、賃貸借の解除は将来に向かってのみ効力を生じます(同法第六百二十条)。取り消された行為が初めから無効であったものとみなされる取消し(同法第百二十一条)とは異なります。
民法第121条・第540条・第541条・第542条・第545条・第620条を参考にAIが作成。
無効
初めから法律上の効力がないことです。無効な行為は、追認しても効力を生じず、無効であることを知って追認したときは新たな行為をしたものとみなされます(民法第百十九条)。公の秩序又は善良の風俗に反する法律行為は無効です(同法第九十条)。また、一方を守るための法律の中には、その保護を失わせる定めを無効とするものがあります。借地権の存続期間や更新についての借地借家法の定めに反する特約で借地人に不利なもの(借地借家法第九条)、事業者の債務不履行により消費者に生じた損害を賠償する責任の全部を免除する消費者契約の条項(消費者契約法第八条第一項第一号)、労働基準法で定める基準に達しない労働条件を定める労働契約の部分(労働基準法第十三条。無効となった部分は同法の基準によります)がその例です。
民法第90条・第119条、借地借家法第9条、消費者契約法第8条、労働基準法第13条を参考にAIが作成。