Article 35-2-5Prohibition on the Issuance of a Card in Excess of the User Purchase Amount Projected to Be Affordable
第三十五条の二の五（利用者支払可能見込額を超える場合のカード等の交付等の禁止）
If 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 to increase the credit line on a card, etc. it has issued or granted to a user, but the credit line on the card, etc. that it seeks to issue or grant to the user or the credit line after the increase would exceed the user purchase amount projected to be affordable, the registered comprehensive small amount credit purchase intermediary must not issue or grant the card, etc. or increase the credit line; 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おいて、当該利用者に交付し若しくは付与しようとするカード等に係る極度額又は当該増額された後の極度額が、利用者支払可能見込額を超えるときは、当該カード等を交付し若しくは付与し、又は極度額を増額してはならない。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。
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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)
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)