①If the Minister of Economy, Trade and Industry finds a comprehensive credit purchase intermediary to be in violation of the provisions of the main clause of paragraph (1) of Article 30-2; paragraph (3) or paragraph (4) of that Article; the main clause of Article 30-2-2; the preceding Article; Articles 35-3-56 through 35-3-58; or Article 35-3-59, paragraph (1), the minister, within the scope that it is necessary, may order the comprehensive credit purchase intermediary to take the necessary measures to improve the business operations that are connected with the intermediation of comprehensive credit purchases.

②If a comprehensive credit purchase intermediary violates the provisions of the main clause of paragraph (1) of Article 30-2; paragraph (3) or paragraph (4) of that Article; the main clause of Article 30-2-2; or the preceding Article, before the Minister of Economy, Trade and Industry seeks to issue an order under the provisions of the preceding paragraph, the minister must consult with the Prime Minister.

③If a comprehensive credit purchase intermediary violates the provisions of the main clause of paragraph (1) of Article 30-2; paragraph (3) or paragraph (4) of that Article; the main clause of Article 30-2-2; or the preceding Article, and the Prime Minister finds it to be necessary to protect the interests of users, purchasers, or service recipients, the minister may state a necessary opinion concerning the order under paragraph (1) to the Minister of Economy, Trade and Industry.

①When a comprehensive credit purchase intermediary calculates the user purchase amount projected to be affordable (meaning the projected amount that a user can allocate 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 a comprehensive credit purchase, without facing difficulty in maintaining the minimum standards of living; the same applies below) instead of the comprehensive purchase amount projected to be affordable, the comprehensive credit purchase intermediary may opt to obtain certification to the effect that all requirements in the following items are met from the Minister of Economy, Trade and Industry pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry:

②If the Minister of Economy, Trade and Industry finds an application for certification stated in the preceding paragraph to meet all requirements in the items of that paragraph, the minister provides certification stated in that paragraph.

③If a comprehensive credit purchase intermediary that has obtained certification stated in paragraph (1) (referred to below as a "Certified comprehensive credit purchase intermediary") seeks to change the method stated in item (i) of that paragraph or the system stated in item (ii) of that paragraph, the comprehensive credit purchase intermediary must obtain certification from the Minister of Economy, Trade and Industry pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry.

④The provisions of paragraph (2) apply mutatis mutandis to certification of a change stated in the preceding paragraph.

⑤If a certified comprehensive credit purchase intermediary falls under one of the following items, the Minister of Economy, Trade and Industry may rescind the certification for the intermediary:

⑥The provisions of Article 30-2, Article 30-2-2 and the preceding Article do not apply to certified comprehensive credit purchase intermediaries.

①When a certified 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 seeks to increase the credit line on a card, etc. it has issued or granted to a user, the certified comprehensive credit purchase intermediary must calculate the user purchase amount projected to be affordable by the method stated in the preceding Article, paragraph (1), item (i) related to certification under that paragraph, 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.

②When a certified comprehensive credit purchase intermediary investigates necessary matters relevant to the calculation of the user purchase amount projected to be affordable, the certified comprehensive credit purchase intermediary must use specified credit information held by the designated credit bureau.

③When a certified 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 certified comprehensive 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.

④A certified comprehensive credit purchase intermediary must periodically make a report to the Minister of Economy, Trade and Industry about the results of the calculation of the user purchase amount projected to be affordable and other information specified by Order of the Ministry of Economy, Trade and Industry, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry.

If a certified 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 to the user or the credit line after the increase would exceed the user purchase amount projected to be affordable, the certified 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.

With respect to application of the provisions of Article 30-2-4, paragraph (1) in a case where a certified comprehensive credit purchase intermediary concludes a contract providing the receipt of monies subject to the intermediation of comprehensive credit purchases with a user whose credit line on the card, etc. that it has issued or granted the user does not exceed the amount specified by Cabinet Order, the term "twenty days" in that paragraph is deemed to be replaced with "the number of days that falls between seven days and twenty days that is specified by Cabinet Order".

①If the Minister of Economy, Trade and Industry finds a certified comprehensive credit purchase intermediary to be in violation of the provisions of Article 30-5-2; the main clause of paragraph (1) of Article 30-5-5; paragraph (2) or paragraph (3) of that Article; the main clause of Article 30-5-6; Articles 35-3-56 through 35-3-58; or Article 35-3-59, paragraph (1), the minister, within the scope that it is necessary, may order the certified comprehensive credit purchase intermediary to take the necessary measures to improve the business operations that are connected with the intermediation of comprehensive credit purchases.

②If a certified comprehensive credit purchase intermediary violates the provisions of Article 30-5-2; the main clause of paragraph (1) of Article 30-5-5; paragraph (2) or paragraph (3) of that Article; or the main clause of Article 30-5-6, before the Minister of Economy, Trade and Industry seeks to issue an order under the provisions of the preceding paragraph, the minister must consult with the Prime Minister.

③If a certified comprehensive credit purchase intermediary violates the provisions of Article 30-5-2; the main clause of paragraph (1) of Article 30-5-5; paragraph (2) or paragraph (3) of that Article; or the main clause of Article 30-5-6, and the Prime Minister finds it to be necessary to protect the interests of users, purchasers, or service recipients, the minister may state a necessary opinion concerning the order under paragraph (1) to the Minister of Economy, Trade and Industry.

It is prohibited for a person other than a corporation that is registered in the comprehensive credit purchase intermediary register maintained at the Ministry of Economy, Trade and Industry (referred to below as a "registered comprehensive credit purchase intermediary") to engage in the intermediation of comprehensive credit purchases in the course of trade; provided, however, that this does not apply to an organization as referred to in Article 35-3-60, paragraph (1), item (iv).

①A person seeking registration as stated in the preceding Article must submit an application to the Minister of Economy, Trade and Industry stating the following matters:

②The articles of incorporation, a certificate of registered information, 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.

③In 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, 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.