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
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)
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)
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)
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)
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)
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.