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Article 10Recommendations

第十条(勧告)

If the competent minister finds that a significant obstacle has arisen or could arise to the sound development of installment sales as prescribed in Article 2, paragraph (1), item (i) for designated goods because an installment seller is conducting installment sales of those designated goods as prescribed in that item with the initial installment at a percentage of the installment price which is significantly lower than the percentage of which public notice is issued pursuant to the provisions of the preceding Article, or with a term for the payment of the cost which is significantly longer than the term of which public notice is issued pursuant to that Article, the minister may recommend that the installment seller increase the percentage or shorten the term.

主務大臣は、割賦販売業者が前条の規定により告示した割合より著しく低い第一回の賦払金の額の割賦販売価格に対する割合又は同条の規定により告示した期間より著しく長い代金の支払の期間によつて指定商品の第二条第一項第一号に規定する割賦販売を行つているため、当該商品の同号に規定する割賦販売の健全な発達に著しい支障が生じ、又は生ずるおそれがあると認めるときは、当該割賦販売業者に対し、その割合を引き上げ、又はその期間を短縮すべきことを勧告することができる。

A recommendation under the provisions of the preceding paragraph may be given through a public notice.

前項の規定による勧告は、告示により行なうことができる。

Section 3 Prepaid Installment Sales

第三節 前払式割賦販売

Article 11Prepaid Installment Sales Licenses

第十一条(前払式割賦販売業の許可)

It is not permissible for a person to engage in installment sales in the course of trade, through which it receives all or part of the cost of the designated goods from the purchaser in two or more installments as prescribed in Article 2, paragraph (1), item (i), before the delivery of the designated goods (referred to below as "prepaid installment sales"), without being licensed by the Minister of Economy, Trade and Industry; provided, however, that this does not apply in the following cases:

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。ただし、次の場合は、この限りでない。

the annual sales amount from prepaid installment sales of designated goods is less than the amount specified by Cabinet Order;

指定商品の前払式割賦販売の方法による年間の販売額が政令で定める金額に満たない場合

the designated goods are newly specified, and a person currently engaged in the sale of those designated goods in the course of trade through prepaid installment sales, sells those goods for six months from the date of their specification (if the application referred to in paragraph (1) of the following Article is submitted during that period, this includes the time up until the license sought under the application is granted or refused); or

指定商品が新たに定められた場合において、現に当該指定商品を前払式割賦販売の方法により販売することを業として営んでいる者が、その定められた日から六月間(その期間内に次条第一項の申請書を提出した場合には、その申請につき許可又は不許可の処分があるまでの間を含む。)当該商品を販売するとき。

after the period stated in the preceding item passes, the only such dealings the person engages in are aimed at enabling the completion of transactions under the contracts for prepaid installment sales for the designated goods referred to in that item, which have been concluded by the last day of that period.

前号の期間が経過した後において、その期間の末日までに締結した同号の指定商品の前払式割賦販売の契約に基づく取引を結了する目的の範囲内で営む場合

Article 12Application for a License

第十二条(許可の申請)

A person seeking the license referred to in the preceding Article must submit an application to the Minister of Economy, Trade and Industry stating the following:

前条の許可を受けようとする者は、次の事項を記載した申請書を経済産業大臣に提出しなければならない。

its name;

名称

the names and locations of its principal office and other business offices and agency offices;

本店その他の営業所及び代理店の名称及び所在地

its amount of stated capital or capital contributions, and the names of its officers; and

資本金又は出資の額及び役員の氏名

the types of designated goods it seeks to sell through prepaid installment sales.

前払式割賦販売の方法により販売しようとする指定商品の種類

The articles of incorporation, a certificate of registered information, the general conditions of the contract for prepaid installment sales, and the documents specified by Order of the Ministry of Economy, Trade and Industry must accompany the application referred to in the preceding paragraph; provided, however, that a certificate of registered information may be omitted if so specified by Order of the Ministry of Economy, Trade and Industry.

前項の申請書には、定款、登記事項証明書、前払式割賦販売契約約款その他経済産業省令で定める書類を添付しなければならない。ただし、経済産業省令で定める場合は、登記事項証明書の添付を省略することができる。

In the case referred to in the preceding paragraph, if the articles of incorporation have been created in the form of an electronic or magnetic record (meaning a record used in computer data processing, which is created in electronic form, magnetic form, or any other form that is impossible to perceive through the human senses alone; the same applies below), the electronic or magnetic record (limited to one as specified by Order of the Ministry of Economy, Trade and Industry) may accompany the application in lieu of a paper document.

前項の場合において、定款が電磁的記録(電子的方式、磁気的方式その他人の知覚によつては認識することができない方式で作られる記録であつて、電子計算機による情報処理の用に供されるものをいう。以下同じ。)で作られているときは、書面に代えて電磁的記録(経済産業省令で定めるものに限る。)を添付することができる。

Articles 13 to 14

第十三条から第十四条まで

削除 · deleted

No English for this paragraph yet.

削除

Article 15Licensing Standards

第十五条(許可の基準)

If the Minister of Economy, Trade and Industry finds an applicant for the license referred to in Article 11 to fall under one of the following items, the minister must not grant the license referred to in that Article:

経済産業大臣は、第十一条の許可の申請をした者が次の各号のいずれかに該当すると認めるときは、同条の許可をしてはならない。

a person that is not a corporation;

法人でない者

a corporation with a stated capital or capital contributions of less than the amount that is found to be necessary and appropriate for protecting the interests of purchasers, as specified by Cabinet Order;

資本金又は出資の額が購入者の利益を保護するため必要かつ適当であると認められる金額で政令で定めるものに満たない法人

a corporation with an amount of total assets minus total liabilities that is less than 90 percent of its stated capital or capital contributions;

資産の合計額から負債の合計額を控除した額が資本金又は出資の額の百分の九十に相当する額に満たない法人

a corporation that, beyond what is stated in the preceding two items, does not have a sufficient financial basis to soundly perform the business involved in prepaid installment sales;

前二号に掲げるもののほか、その行おうとする前払式割賦販売に係る業務を健全に遂行するに足りる財産的基礎を有しない法人

a corporation with general conditions in the contract for prepaid installment sales that do not conform to the standards specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order;

前払式割賦販売契約約款の内容が経済産業省令・内閣府令で定める基準に適合しない法人

a corporation whose license has been rescinded pursuant to the provisions of Article 23, paragraph (1) or (2), if two years have not yet passed since the date of the rescission;

第二十三条第一項又は第二項の規定により許可を取り消され、その取消しの日から二年を経過しない法人

a corporation that has been sentenced to a fine pursuant to the provisions of this Act, if two years have not yet passed since the day on which it finished serving the sentence or ceased to be subject to its enforcement; or

この法律の規定により罰金の刑に処せられ、その刑の執行を終わり、又は執行を受けることがなくなつた日から二年を経過しない法人

a corporation with an officer that falls under one of the following:

役員のうちに次のいずれかに該当する者のある法人

a person that has not had rights restored after receiving a ruling of commencement of bankruptcy proceedings;

破産手続開始の決定を受けて復権を得ない者

a person that has been sentenced to imprisonment or a heavier punishment, or a person that has been sentenced to a fine pursuant to the provisions of this Act, if two years have not yet passed since the day on which the person finished serving the sentence or ceased to be subject to its enforcement; or

拘禁刑以上の刑に処せられ、又はこの法律の規定により罰金の刑に処せられ、その刑の執行を終わり、又は執行を受けることがなくなつた日から二年を経過しない者

a person that, during the thirty days before the relevant disposition, was the officer of a person licensed as referred to in Article 11 (referred to below as a "licensed installment seller") whose license has been rescinded pursuant to Article 23, paragraph (1) or (2), if two years have not yet passed since the date of that disposition.

第十一条の許可を受けた者(以下「許可割賦販売業者」という。)が第二十三条第一項又は第二項の規定により許可を取り消された場合において、その処分のあつた日前三十日以内にその許可割賦販売業者の役員であつた者で、その処分のあつた日から二年を経過しないもの

The total assets and the total liabilities referred to in item (iii) of the preceding paragraph must be calculated pursuant to Cabinet Order.

前項第三号の資産の合計額及び負債の合計額は、政令で定めるところにより計算しなければならない。

If an application is filed for the license referred to in Article 11 and the Minister of Economy, Trade and Industry reaches the disposition not to grant the license, the minister must notify the applicant of this without delay, indicating the reasons for refusal.

経済産業大臣は、第十一条の許可の申請があつた場合において、不許可の処分をしたときは、遅滞なく、その理由を示して、その旨を申請者に通知しなければならない。

Article 16Making Business Security Deposits

第十六条(営業保証金の供託等)

A licensed installment seller must make a business security deposit with the closest official depository to its principal business office.

許可割賦販売業者は、営業保証金を主たる営業所のもよりの供託所に供託しなければならない。

Once a licensed installment seller makes a business security deposit, it must file a notification of this with the Minister of Economy, Trade and Industry, accompanied by a copy of the deposit statement showing receipt of the deposit.

許可割賦販売業者は、営業保証金を供託したときは、供託物受入れの記載のある供託書の写しを添附して、その旨を経済産業大臣に届け出なければならない。

A licensed installment seller must not commence prepaid installment sale operations until after it files the notification under the provisions of the preceding paragraph.

許可割賦販売業者は、前項の規定による届出をした後でなければ、前払式割賦販売の営業を開始してはならない。

Article 17

第十七条

The amount of the business security deposit referred to in paragraph (1) of the preceding Article is the sum total of 100,000 yen for the principal business office and 50,000 yen for each other business office or agency office.

前条第一項の営業保証金の額は、主たる営業所につき十万円、その他の営業所又は代理店につき営業所又は代理店ごとに五万円の割合による金額の合計額とする。

National and local government bonds and other securities specified by Order of the Ministry of Economy, Trade and Industry (including book-entry transfer bonds prescribed in ) may serve as the business security deposit referred to in the preceding paragraph, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry.

前項の営業保証金は、経済産業省令で定めるところにより、国債証券、地方債証券その他の経済産業省令で定める有価証券(に規定する振替債を含む。)をもつて、これに充てることができる。

Article 18

第十八条

If a licensed installment seller newly establishes a business office or agency office after commencing operations, it must deposit the business security deposit for each such business office or agency office in the amount calculated based on the rates prescribed in paragraph (1) of the preceding Article.

許可割賦販売業者は、営業の開始後新たに営業所又は代理店を設置したときは、当該営業所又は代理店につき前条第一項に規定する割合による金額の営業保証金を供託しなければならない。

The provisions of Article 16 and paragraph (2) of the preceding Article apply mutatis mutandis when a deposit is made pursuant to the provisions of the preceding paragraph.

第十六条及び前条第二項の規定は、前項の規定により供託する場合に準用する。

Article 18-2

第十八条の二

If a licensed installment seller closes some of its business offices or agency offices and the amount of the business security deposit exceeds the amount prescribed in Article 17, paragraph (1), the licensed installment seller may recover the excess amount.

許可割賦販売業者が一部の営業所又は代理店を廃止した場合において、営業保証金の額が第十七条第一項に規定する額をこえることとなつたときは、当該許可割賦販売業者は、そのこえる額を取り戻すことができる。

The recovery of the excess business security deposit as referred to in the preceding paragraph is not permitted unless public notice is issued to the persons with the right to that business security deposit as referred to in Article 21, paragraph (1), indicating that those persons must make a filing within a fixed period of not less than six months, and no filing is made within that period; provided, however, that this does not apply once ten years have passed following the occurrence of grounds for the recovery of a business security deposit.

前項の営業保証金の取戻しは、当該営業保証金につき第二十一条第一項の権利を有する者に対し、六月を下らない一定期間内に申し出るべき旨を公告し、その期間内にその申出がなかつた場合でなければ、することができない。ただし、営業保証金を取り戻すことができる理由が発生した時から十年を経過したときは、この限りでない。

The necessary matters of the public notice referred to in the preceding paragraph and other matters relevant to the recovery of the business security deposit as referred to in the provisions of paragraph (1) are specified by Order of the Ministry of Justice and Order of the Ministry of Economy, Trade and Industry.

前項の公告その他第一項の規定による営業保証金の取戻しに関し必要な事項は、法務省令・経済産業省令で定める。

Article 18-3Preservative Measures for Advances Received

第十八条の三(前受金保全措置)

If, as of March 31 and September 30 of each year (each of these days is referred to below as a "base date"), the amount that corresponds to one-half of the total amount of advances that a licensed installment seller has received, from persons with which it has concluded contracts for prepaid installment sales by that base date, as all or part of the cost of the goods under the contracts, exceeds the amount of the business security deposit provided for in Article 17, paragraph (1) as of the base date, the licensed installment seller must not conclude any new contract for prepaid installment sales after fifty days have passed counting from the day after that base date, until it takes the preservative measures for advances received which are referred to in the following paragraph and notifies the Minister of Economy, Trade and Industry of this pursuant to the provisions of paragraph (1) of the following Article.

許可割賦販売業者は、毎年三月三十一日及び九月三十日(以下これらの日を「基準日」という。)において前払式割賦販売の契約を締結している者から基準日までにその契約に係る商品の代金の全部又は一部として受領した前受金の合計額の二分の一に相当する額が当該基準日における第十七条第一項に規定する営業保証金の額をこえるときは、次項の前受金保全措置を講じ、次条第一項の規定によりその旨を経済産業大臣に届け出た後でなければ、基準日の翌日から起算して五十日を経過した日以後においては、新たに前払式割賦販売の契約を締結してはならない。

Preservative measures for advances received are the making of business deposit for prepaid services or the conclusion of a contract on the entrustment of business deposits for prepaid services, in a way that the licensed installment seller may allocate an amount that corresponds to one-half of the total amount of the advances that it receives by the base date, from persons with which it has concluded contracts for prepaid installment sales as of the base date, as all or part of the cost of the goods under the contracts, after the business security deposit prescribed in Article 17, paragraph (1) as of the base date is deducted (referred to below as the "base amount"), toward the repayment of obligations arising from those contracts.

前受金保全措置は、前受業務保証金の供託又は前受業務保証金供託委託契約の締結であつて、その措置により、許可割賦販売業者が、基準日において前払式割賦販売の契約を締結している者から当該基準日までにその契約に係る商品の代金の全部又は一部として受領した前受金の合計額の二分の一に相当する額から当該基準日における第十七条第一項に規定する営業保証金の額を差し引いた額に相当する額(以下「基準額」という。)をその契約によつて生じた債務の弁済に充てることができるものとする。

A contract on the entrustment of business deposits for prepaid services that is concluded as a preservative measure for advances received is a contract under which the entrusted party agrees to make a business deposit for prepaid services on behalf of the entrusting party, in an amount that corresponds to that with which it is entrusted, if the licensed installment seller that is the entrusting party comes to fall under one of the items of Article 27, paragraph (1) or if the entrusted party receives instructions under the provisions of Article 20-3, paragraph (3), during the period from the day after the notification under the provisions of paragraph (1) of the following Article until fifty days have elapsed counting from the day after the next base date (or, if a notification under that paragraph which concerns the base amount for that next base date is filed before that day, until the day of that notification).

前受金保全措置として締結する前受業務保証金供託委託契約は、次条第一項の規定による届出の翌日以降次の基準日の翌日から起算して五十日を経過する日(その日前に当該次の基準日に係る基準額について同項の規定による届出があつたときは、その届出の日)までの間に、委託者たる許可割賦販売業者が第二十七条第一項各号の一に該当することとなつた場合又は受託者が第二十条の三第三項の規定による指示を受けた場合において、受託者が委託者のために委託額に相当する額の前受業務保証金を供託することを約する契約とする。

It is not permissible for a person other than a bank, financial institution specified by Cabinet Order, or person designated by the Minister of Economy, Trade and Industry to become the entrusted party under a contract on the entrustment of business deposit for prepaid services as referred to in the preceding paragraph (simply referred to below as a "contract on the entrustment of business deposits").

銀行その他政令で定める金融機関又は経済産業大臣の指定する者でなければ、前項の前受業務保証金供託委託契約(以下単に「供託委託契約」という。)の受託者となることができない。

The provisions of Article 16, paragraph (1) and Article 17, paragraph (2) apply mutatis mutandis when a business deposit for prepaid services is made as a preservative measure for advances received.

第十六条第一項及び第十七条第二項の規定は、前受金保全措置として前受業務保証金を供託する場合に準用する。

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