Article 35-2-4Calculation of User Purchase Amount Projected to Be Affordable
第三十五条の二の四（利用者支払可能見込額の算定）
When a registered comprehensive small amount credit purchase intermediary seeks to issue or grant a card, etc. to a user in order to effect the intermediation of comprehensive credit purchases, or seeks to increase the credit line on a card, etc. it has issued or granted to a user, the registered comprehensive small amount credit purchase intermediary must calculate the user purchase amount projected to be affordable by the method stated in the Article 35-2-9, paragraph (1), item (iv) related to registration under paragraph (1) of the preceding Article, before the issuance, granting or increase; 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 user.
登録少額包括信用購入あつせん業者は、包括信用購入あつせんをするためカード等を利用者に交付し若しくは付与しようとする場合又は利用者に交付し若しくは付与したカード等についてそれに係る極度額を増額しようとする場合には、その交付若しくは付与又はその増額に先立つて、前条第一項の登録に係る第三十五条の二の九第一項第四号の方法により利用者支払可能見込額を算定しなければならない。ただし、当該利用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。
When a registered comprehensive small amount credit purchase intermediary investigates necessary matters relevant to the calculation of the user purchase amount projected to be affordable, the registered comprehensive small amount credit purchase intermediary must use specified credit information held by the designated credit bureau.
登録少額包括信用購入あつせん業者は、利用者支払可能見込額を算定するために必要な事項の調査を行うときは、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 a registered comprehensive small amount credit purchase intermediary issues or grants a card, etc. to a user in order to effect the intermediation of comprehensive credit purchases, or increases the credit line on a card, etc. it has issued or granted to a user, the registered comprehensive small amount credit purchase intermediary must record and archive the results of calculation of the user purchase amount projected to be affordable, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.
登録少額包括信用購入あつせん業者は、包括信用購入あつせんをするためカード等を利用者に交付し若しくは付与した場合又は利用者に交付し若しくは付与したカード等についてそれに係る極度額を増額した場合には、経済産業省令・内閣府令で定めるところにより、利用者支払可能見込額の算定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 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
card, etc.
「カード等」
In the rules on the intermediation of comprehensive credit purchases (包括信用購入あつせん), a card or other object, or a number, symbol or other code, that a user is given and can present, quote or hand over to buy goods or rights from particular sellers, or receive services from particular service providers, for payment — a credit card or its number, for example.
Short name set inArticle 2, paragraph (3), item (i)· applies only in this paragraph and in Article 2, paragraph (4); Article 35-16; and Chapter 3, Section 1
credit linemachine translation
「極度額」
The upper limit, set in advance, on what a user can buy, or receive in services, through the intermediation of comprehensive credit purchases (包括信用購入あつせん) — the credit line of a card.
Defined inArticle 30-2, paragraph (1)
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)
user purchase amount projected to be affordablemachine translation
「利用者支払可能見込額」
The amount a user is expected to be able to put toward paying for what they buy through the intermediation of comprehensive credit purchases (包括信用購入あつせん) without difficulty in maintaining a minimum standard of living, which an intermediary certified under Article 30-5-4 may calculate in place of the comprehensive purchase amount projected to be affordable (包括支払可能見込額).
Defined inArticle 30-5-4, paragraph (1)
registered comprehensive small amount credit purchase intermediarymachine translation
「登録少額包括信用購入あつせん業者」
A corporation registered in the comprehensive small amount credit purchase intermediary register kept at the Ministry of Economy, Trade and Industry, which may carry on the intermediation of comprehensive credit purchases (包括信用購入あつせん) as a business without the registration under Article 31, so long as the credit line (極度額) of the cards it issues does not exceed an amount a Cabinet Order (政令) sets.
Short name set inArticle 35-2-3, paragraph (1)