Search

Search provisions, jump to a law or an article

6 articles

Article 30-2-3Provision of Information on Contract Providing the Receipt of Monies Subject to the Intermediation of Comprehensive Credit Purchases

第三十条の二の三(包括信用購入あつせん関係受領契約に関する情報の提供等)

When a comprehensive credit purchase intermediary concludes a contract under which an amount of money will be received 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 (referred to below as a "contract providing the receipt of monies subject to the intermediation of comprehensive credit purchases") in connection with the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (i), the comprehensive credit purchase intermediary must provide the purchaser or service recipient with information relating to the following matters concerning that contract without delay, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:

包括信用購入あつせん業者は、包括信用購入あつせんに係る購入又は受領の方法により購入される商品若しくは指定権利の代金又は受領される役務の対価に相当する額の受領に係る契約(以下「包括信用購入あつせん関係受領契約」という。)であつて第二条第三項第一号に規定する包括信用購入あつせんに係るものを締結したときは、遅滞なく、経済産業省令・内閣府令で定めるところにより、当該契約に関する次の事項に係る情報を購入者又は役務の提供を受ける者に提供しなければならない。

the total amount payable by the purchaser or service recipient (meaning the total of the cash price of the goods or rights or the cash price of the services, and the amount of fees for the intermediation of comprehensive credit purchases; the same applies in Article 30-3 and Article 30-4);

購入者又は役務の提供を受ける者の支払総額(当該商品若しくは当該権利の現金販売価格又は当該役務の現金提供価格及び包括信用購入あつせんの手数料の合計額をいう。第三十条の三及び第三十条の四において同じ。)

the amount to be paid on each occasion against the cost of goods or rights or consideration for services that the intermediation of comprehensive credit purchases is for (including fees for the intermediation of comprehensive credit purchases), and the timing and method of its payment; and

包括信用購入あつせんに係る各回ごとの商品若しくは権利の代金又は役務の対価(包括信用購入あつせんの手数料を含む。)の支払分の額並びにその支払の時期及び方法

matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, beyond what is stated in the preceding two items.

前二号に掲げるもののほか、経済産業省令・内閣府令で定める事項

When a comprehensive credit purchase intermediary concludes a contract providing the receipt of monies subject to the intermediation of comprehensive credit purchases in connection with the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (ii), the comprehensive credit purchase intermediary must provide the purchaser or service recipient with information relating to the following matters concerning that contract without delay, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:

包括信用購入あつせん業者は、包括信用購入あつせん関係受領契約であつて第二条第三項第二号に規定する包括信用購入あつせんに係るものを締結したときは、遅滞なく、経済産業省令・内閣府令で定めるところにより、当該契約に関する次の事項に係る情報を購入者又は役務の提供を受ける者に提供しなければならない。

the cash price of the goods or rights or the cash price of the services;

当該商品若しくは当該権利の現金販売価格又は当該役務の現金提供価格

the method of payment for the payment money; and

弁済金の支払の方法

matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, beyond what is stated in the preceding items.

前二号に掲げるもののほか、経済産業省令・内閣府令で定める事項

When a comprehensive credit purchase intermediary demands that the payment be made in connection with the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (ii), for goods, designated rights, or services, the comprehensive credit purchase intermediary must provide, in advance, to the purchaser or service recipient the information relating to the following matters, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:

包括信用購入あつせん業者は、商品、指定権利又は役務に係る第二条第三項第二号に規定する包括信用購入あつせんに係る弁済金の支払を請求するときは、あらかじめ、経済産業省令・内閣府令で定めるところにより、次の事項に係る情報を購入者又は役務の提供を受ける者に提供しなければならない。

the time at which the payment must be made; and

弁済金を支払うべき時期

the amount of the payment that must be made at the time referred to in the preceding item, and the basis for calculation.

前号の時期に支払われるべき弁済金の額及びその算定根拠

When, at the time of concluding a contract stated in paragraph (1) or paragraph (2) or demanding a payment stated in the preceding paragraph, a comprehensive credit purchase intermediary is requested by a purchaser or service recipient to deliver a document stating the matters stated in the items of paragraph (1), the items of paragraph (2) or 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 purchaser or service recipient.

包括信用購入あつせん業者は、第一項若しくは第二項に規定する契約を締結する場合又は前項に規定する支払を請求する場合において、購入者又は役務の提供を受ける者から第一項各号若しくは第二項各号又は前項各号の事項を記載した書面の交付を求められたときは、遅滞なく、経済産業省令・内閣府令で定めるところにより、当該書面を交付しなければならない。ただし、当該購入者又は当該役務の提供を受ける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 seller that has concluded a contract for the intermediation of comprehensive credit purchases with a comprehensive credit purchase intermediary (including a seller that has concluded a contract with a person that is in the business of delivering, in its own name and on behalf of a specific comprehensive credit purchase intermediary, an amount that corresponds to the cost of goods or rights purchased or the consideration for services received in a way that involves the intermediation of comprehensive credit purchases, to the seller or the service provider (this includes delivering such an amount to the seller or service provider through a person other than that seller or service provider) when a user presents, indicates, or trades in a card, etc. in order to purchase goods or rights from a seller or receive services from a service provider (the delivery of such an amount is referred to below as "brokerage of third-party payments in the intermediation of comprehensive credit purchases") (a person that delivers such an amount is referred to below as a "broker for third-party payments in the intermediation of comprehensive credit purchases"), the contract being for the brokerage of third-party payments in the intermediation of comprehensive credit purchases; a seller that concludes such a contract is referred to below as the "seller affiliated with the intermediation of comprehensive credit purchases") or a service provider that has concluded such a contract (this includes a service provider that has concluded a contract for the brokerage of third-party payments in the intermediation of comprehensive credit purchases with a broker for third-party payments in the intermediation of comprehensive credit purchases; a service provider that concludes such a contract is referred to below as the "service provider affiliated with the intermediation of comprehensive credit purchases") concludes a contract under which it will sell goods or designated rights in a way that involves the intermediation of comprehensive credit purchases or a contract under which it will provide services in a way that involves the intermediation of comprehensive credit purchases, it must provide the purchaser or the service recipient with the following information concerning that contract without delay, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:

包括信用購入あつせん業者と包括信用購入あつせんに係る契約を締結した販売業者(特定の包括信用購入あつせん業者のために、利用者がカード等を提示し若しくは通知して、又はそれと引換えに販売業者から商品若しくは権利を購入し、又は役務提供事業者から役務の提供を受けるときは、自己の名をもつて当該販売業者又は当該役務提供事業者に包括信用購入あつせんに係る購入又は受領の方法により購入された商品若しくは権利の代金又は受領される役務の対価に相当する額の交付(当該販売業者又は当該役務提供事業者以外の者を通じた当該販売業者又は当該役務提供事業者への交付を含む。)をすること(以下「包括信用購入あつせん関係立替払取次ぎ」という。)を業とする者(以下「包括信用購入あつせん関係立替払取次業者」という。)と包括信用購入あつせん関係立替払取次ぎに係る契約を締結した販売業者を含む。以下「包括信用購入あつせん関係販売業者」という。)又は役務提供事業者(包括信用購入あつせん関係立替払取次業者と包括信用購入あつせん関係立替払取次ぎに係る契約を締結した役務提供事業者を含む。以下「包括信用購入あつせん関係役務提供事業者」という。)は、包括信用購入あつせんに係る販売の方法により商品若しくは指定権利を販売する契約又は包括信用購入あつせんに係る提供の方法により役務を提供する契約を締結したときは、遅滞なく、経済産業省令・内閣府令で定めるところにより、当該契約に関する次の事項に係る情報を購入者又は役務の提供を受ける者に提供しなければならない。

the cash price of the goods or rights or the cash price of the services;

商品若しくは権利の現金販売価格又は役務の現金提供価格

if delivery of goods or transfer of right or provision of services is not done at the time of conclusion of the contract, the timing for the delivery of the goods or the timing for the transfer of the right or the timing for provision of the services;

契約の締結時において商品の引渡し若しくは権利の移転又は役務の提供をしないときは、当該商品の引渡時期若しくは当該権利の移転時期又は当該役務の提供時期

if there are provisions concerning cancellation of the contract, its details; and

契約の解除に関する定めがあるときは、その内容

matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, beyond what is stated in the preceding three items.

前三号に掲げるもののほか、経済産業省令・内閣府令で定める事項

When, at the time of conclusion of the contract prescribed in the previous paragraph, a seller affiliated with the intermediation of comprehensive credit purchases or service provider affiliated with the intermediation of comprehensive credit purchases is requested by the purchaser or the service recipient to deliver a document that describes each item of the previous paragraph, it 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 purchaser or service recipient.

包括信用購入あつせん関係販売業者又は包括信用購入あつせん関係役務提供事業者は、前項に規定する契約の締結時において購入者又は役務の提供を受ける者から同項各号の事項を記載した書面の交付を求められたときは、遅滞なく、経済産業省令・内閣府令で定めるところにより、当該書面を交付しなければならない。ただし、当該購入者又は当該役務の提供を受ける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。

Article 30-2-4Restriction on the Cancellation of a Contract

第三十条の二の四(契約の解除等の制限)

In the event of an unperformed obligation to pay an amount to be paid or payment money prescribed in the relevant following item pursuant to a contract providing the receipt of monies subject to the intermediation of comprehensive credit purchases in connection with the intermediation of comprehensive credit purchases as stated in , the comprehensive credit purchase intermediary may not cancel the contract or demand the payment of amounts to be paid or the payment money that are not yet due on the grounds of a delay in the payment of an amount to be paid or payment money, unless it makes a written demand (or by electronic or magnetic means 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 a purchaser or service recipient) for this to be paid within a reasonable period of not less than twenty days, and the obligation is not performed within that period:

包括信用購入あつせん業者は、包括信用購入あつせん関係受領契約であつて次の各号に掲げる包括信用購入あつせんに係るものについて当該各号に定める支払分又は弁済金の支払の義務が履行されない場合において、二十日以上の相当な期間を定めてその支払を書面(購入者又は役務の提供を受ける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にあつては、電磁的方法)により催告し、その期間内にその義務が履行されないときでなければ、支払分又は弁済金の支払の遅滞を理由として、契約を解除し、又は支払時期の到来していない支払分若しくは弁済金の支払を請求することができない。

Any special provisions of a contract that run counter to the preceding paragraph are void.

前項の規定に反する特約は、無効とする。

Article 30-3Restriction on the Amount of Damages Accompanying the Cancellation of a Contract

第三十条の三(契約の解除等に伴う損害賠償等の額の制限)

In the event that a contract providing the receipt of monies subject to the intermediation of comprehensive credit purchases in connection with the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (i) is cancelled, even if the contract has provisions stating liquidated damages or the penalty for breach of contract, it is prohibited for the comprehensive credit purchase intermediary to demand that the purchaser or service recipient pay an amount of money that exceeds the amount that corresponds to the total amount payable under the contract plus the amount of delay damages based on the applicable statutory interest rate.

包括信用購入あつせん業者は、包括信用購入あつせん関係受領契約であつて第二条第三項第一号に規定する包括信用購入あつせんに係るものが解除された場合には、損害賠償額の予定又は違約金の定めがあるときにおいても、当該契約に係る支払総額に相当する額にこれに対する法定利率による遅延損害金の額を加算した金額を超える額の金銭の支払を購入者又は役務の提供を受ける者に対して請求することができない。

In the event of an unperformed obligation to pay the amount to be paid that is referred to in Article 30-2-3, paragraph (1), item (ii) in respect of the contract referred to in the preceding paragraph (excluding if that contract is cancelled), even if the contract has provisions stating liquidated damages or the penalty for breach of contract, the comprehensive credit purchase intermediary may not demand that the purchaser or service recipient pay an amount of money that exceeds the amount that corresponds to the total amount payable under the contract less the amount to be paid as referred to in that item that has already been paid, plus the amount of delay damages for this based on the applicable statutory interest rate.

包括信用購入あつせん業者は、前項の契約について第三十条の二の三第一項第二号の支払分の支払の義務が履行されない場合(契約が解除された場合を除く。)には、損害賠償額の予定又は違約金の定めがあるときにおいても、当該契約に係る支払総額に相当する額から既に支払われた同号の支払分の額を控除した額にこれに対する法定利率による遅延損害金の額を加算した金額を超える額の金銭の支払を購入者又は役務の提供を受ける者に対して請求することができない。

Article 30-4Affirmative Defense Against a Comprehensive Credit Purchase Intermediary

第三十条の四(包括信用購入あつせん業者に対する抗弁)

If a purchaser or service recipient receives a demand to pay an amount to be paid as referred to in Article 30-2-3, paragraph (1), item (ii) for goods or designated rights purchased or services received in a way that involves the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (i), the purchaser or service recipient may assert an affirmative defense against the comprehensive credit purchase intermediary demanding the payment, based on grounds that have arisen against the seller affiliated with the intermediation of comprehensive credit purchases which sold the goods or designated rights or against the service provider affiliated with the intermediation of comprehensive credit purchases which provided the services.

購入者又は役務の提供を受ける者は、第二条第三項第一号に規定する包括信用購入あつせんに係る購入又は受領の方法により購入した商品若しくは指定権利又は受領する役務に係る第三十条の二の三第一項第二号の支払分の支払の請求を受けたときは、当該商品若しくは当該指定権利の販売につきそれを販売した包括信用購入あつせん関係販売業者又は当該役務の提供につきそれを提供する包括信用購入あつせん関係役務提供事業者に対して生じている事由をもつて、当該支払の請求をする包括信用購入あつせん業者に対抗することができる。

Any special provisions of a contract that run counter to the provisions of the preceding paragraph and that are disadvantageous to the purchaser or service recipient are void.

前項の規定に反する特約であつて購入者又は役務の提供を受ける者に不利なものは、無効とする。

If a purchaser or service recipient that asserts an affirmative defense against a comprehensive credit purchase intermediary under the provisions of paragraph (1), is requested by the comprehensive credit purchase intermediary to submit a document stating the details of the grounds referred to in that paragraph in connection with that assertion, the purchaser or service recipient must endeavor to submit the document.

第一項の規定による対抗をする購入者又は役務の提供を受ける者は、その対抗を受けた包括信用購入あつせん業者からその対抗に係る同項の事由の内容を記載した書面の提出を求められたときは、その書面を提出するよう努めなければならない。

The provisions of the preceding three paragraphs do not apply to the payment of an amount to be paid as referred to in paragraph (1) that represents a payment toward the total amount payable which is less than the amount specified by Cabinet Order.

前三項の規定は、第一項の支払分の支払であつて政令で定める金額に満たない支払総額に係るものについては、適用しない。

Article 30-5

第三十条の五

A payment for the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (ii) is deemed to have been allocated at each time of payment to an obligation linked to the intermediation of comprehensive credit purchases which is stated in the relevant following item, pursuant to that item, and the provisions of the preceding Article apply mutatis mutandis. In this case, the term "an amount to be paid as referred to in Article 30-2-3, paragraph (1), item (ii)" in paragraph (1) of the preceding Article is deemed to be replaced with "a payment as referred to in Article 30-2-3, paragraph (3), item (ii)"; the term "amount to be paid" in paragraph (4) of that Article is deemed to be replaced with "payment money"; and the term "total amount payable" in that paragraph is deemed to be replaced with "cash price stated in Article 30-2-3, paragraph (2), item (i)":

第二条第三項第二号に規定する包括信用購入あつせんに係る弁済金の支払については、当該弁済金の支払が、その支払の時期ごとに、次の各号に規定するところにより当該各号に掲げる当該包括信用購入あつせんに係る債務に充当されたものとみなして、前条の規定を準用する。この場合において、同条第一項中「第三十条の二の三第一項第二号の支払分」とあるのは「第三十条の二の三第三項第二号の弁済金」と、同条第四項中「支払分」とあるのは「弁済金」と、「支払総額」とあるのは「第三十条の二の三第二項第一号の現金販売価格又は現金提供価格」と読み替えるものとする。

delay damages, if any, take precedence over other obligations in terms of the allocation of a time payment, followed by fees for the intermediation of comprehensive credit purchases, and finally other obligations;

遅延損害金があるときは、それを優先し、次に、当該包括信用購入あつせんの手数料、これら以外の債務の順で、それぞれに充当する。

a time payment is allocated to cover the delay damages referred to in the preceding item sequentially in chronological order;

前号の遅延損害金については、その発生が早いものから順次に充当する。

a time payment is allocated to cover the fees referred to in item (i) sequentially from the first that comes due; and

第一号の手数料については、その支払うべき時期が早いものから順次に充当する。

a time payment is allocated to cover obligations other than delay damages and fees for the intermediation of comprehensive credit purchases sequentially, starting with the one associated with the highest rate of fees for the intermediation of comprehensive credit purchases, and in chronological order, for obligations at the same place in the allocation order.

遅延損害金及び包括信用購入あつせんの手数料以外の債務については、その包括信用購入あつせんの手数料の料率が高いものから順次に充当し、その充当の順位が等しいものについては、その債務が発生した時期が早いものから順次に充当する。

Beyond what is prescribed in the preceding paragraph, the necessary matters relevant to the allocation of payment money in applying the preceding Article mutatis mutandis to the making of the payment linked to the intermediation of comprehensive credit purchases as prescribed in Article 2, paragraph (3), item (ii), are specified by Cabinet Order.

前項に定めるもののほか、第二条第三項第二号に規定する包括信用購入あつせんに係る弁済金の支払に関し前条の規定を準用するために弁済金の充当について必要な事項は、政令で定める。

Article 30-5-2Measures Concerning Business Operations

第三十条の五の二(業務の運営に関する措置)

A comprehensive credit purchase intermediary, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, must take the necessary measures to properly handle information about users, purchasers, and service recipients that it acquires in the course of its services in the intermediation of comprehensive credit purchases, to ensure the proper performance of its services in the intermediation of comprehensive credit purchases if the comprehensive credit purchase intermediary entrusts those services to a third party, and to appropriately and promptly process complaints from users, purchasers, and service recipients, in order to protect the interests of users, purchasers, and service recipients.

包括信用購入あつせん業者は、利用者又は購入者若しくは役務の提供を受ける者の利益の保護を図るため、経済産業省令・内閣府令で定めるところにより、その包括信用購入あつせんの業務に関して取得した利用者又は購入者若しくは役務の提供を受ける者に関する情報の適正な取扱い、その包括信用購入あつせんの業務を第三者に委託する場合における当該業務の適確な遂行及びその利用者又は購入者若しくは役務の提供を受ける者からの苦情の適切かつ迅速な処理のために必要な措置を講じなければならない。

© 2026 japanlaw.orgA copy for reading and reference — not an official source, and not legal advice. Only the Japanese text published by the government has legal effect.Run by Genjido LLC (源氏道合同会社) · contact@genjido.comContactSourcesTermsPrivacy