①If a person in the business of the intermediation of comprehensive credit purchases (referred to below as a "comprehensive credit purchase intermediary") issues or grants a card, etc. to a user in order to effect the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (i), the comprehensive credit purchase intermediary must provide the user with information relating to the following matters with respect to the terms and conditions of the intermediation of comprehensive credit purchases, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:

②If a comprehensive credit purchase intermediary issues or grants a card, etc. to a user in order to effect the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (ii), the comprehensive credit purchase intermediary must provide the user with information relating to the following matters with respect to the terms and conditions for the intermediation of comprehensive credit purchases, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:

③When, at the time of issuance or granting of a card, etc. as stated in the preceding two paragraphs, a comprehensive credit purchase intermediary is requested by a user to deliver a document stating the matters stated in the items of paragraph (1) or in the items of the preceding paragraph, the comprehensive credit purchase intermediary must deliver the document without delay pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; 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.

④When a comprehensive credit purchase intermediary advertises the terms and conditions for the intermediation of comprehensive credit purchases as stated in paragraph (1) or paragraph (2), the comprehensive credit purchase intermediary must indicate the matters stated in the items of paragraph (1) or in the items of paragraph (2), respectively, in its advertising, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.

①When a comprehensive credit purchase intermediary seeks to issue or grant a card, etc. to a user (limited to a user that is an individual; the same applies below in this Article, the following Article, Article 30-5-5, Article 30-5-6, Article 35-2-4, Article 35-2-5 and Section 3) 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 (a credit line means the maximum amount of goods or rights the user can purchase or services the user can receive in a way that involves the intermediation of comprehensive credit purchases, and is specified in advance; the same applies below), the comprehensive credit purchase intermediary must investigate, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, the annual income, balance of deposits and savings, payment status of obligations that involve the intermediation of credit purchases (meaning the intermediation of comprehensive credit purchases and the intermediation of individual credit purchases; the same applies below), loan status, and other necessary matters relevant to the calculation of the comprehensive purchase amount projected to be affordable to the user as specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; 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.

②The "comprehensive purchase amount projected to be affordable" as used in this Section means the projected amount that a user can allocate in a year for payment of the amount that corresponds to the cost of goods or designated rights that the user seeks to purchase or consideration for services that the user seeks to receive in a way that involves the intermediation of comprehensive credit purchases, without transferring or pledging as collateral the home that the user principally uses as a residence or other assets specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, and without using money that should be allocated to the living expenses of the user (meaning the amount specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order as the annual cost that is necessary for maintaining the minimum standards of living; the same applies in Article 35-3-3).

③When a comprehensive credit purchase intermediary performs an investigation pursuant to the provisions of the main clause of paragraph (1), it must use specified credit information (meaning information about the comprehensive purchase amount projected to be affordable, the user purchase amount projected to be affordable as prescribed in Article 30-5-4, paragraph (1) or the individual purchase amount projected to be affordable as prescribed in Article 35-3-3, paragraph (2) for a user, or for a purchaser (limited to an individual purchaser; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and Section 3) or service recipient (limited to an individual service recipient; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and that Section) (including information that can be used to distinguish the user, purchaser, or service recipient) which concerns the payment status of obligations from the intermediation of credit purchases and other information specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; the same applies below) that is held by a person with a designation under the provisions of Article 35-3-36, paragraph (1) (referred to below as the "designated credit bureau").

④When a comprehensive 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 comprehensive credit purchase intermediary must record and archive the results of the investigation under the provisions of the main clause of paragraph (1), pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.

If a comprehensive 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 the user or the credit line after the increase would exceed the amount arrived at by multiplying the comprehensive purchase amount projected to be affordable as calculated based on information obtained in an investigation under the main clause of paragraph (1) of the preceding Article, by the rate specified by the Minister of Economy, Trade and Industry and the Prime Minister in consideration of the average term for receiving an amount that corresponds to the cost of goods or designated rights purchased or consideration for services received in a way that involves the intermediation of comprehensive credit purchases, the comprehensive 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.