①In the event of an unperformed obligation to pay the amount to be paid that is prescribed in Article 35-3-8, item (iii) pursuant to a contract providing the receipt of monies subject to the intermediation of individual credit purchases, the individual credit purchase intermediary may not cancel the contract, or demand the payment of amounts to be paid that are not yet due, on the grounds of a delay in the payment of an amount to be paid, unless it makes a written demand for this to be paid within a reasonable period of not less than twenty days, and the obligation is not performed within the period.

②Any special provisions of a contract that run counter to the provisions of the preceding paragraph are void.

①In the event that a contract providing the receipt of monies subject to the intermediation of individual credit purchases is cancelled (unless the contract is cancelled pursuant to the provisions of the main clause of Article 35-3-10, paragraph (1); Article 35-3-11, paragraph (1), paragraph (2), or the main clause of paragraph (3); or the main clause of Article 35-3-12, paragraph (1)), even if the contract has provisions stating liquidated damages or the penalty for breach of contract, the individual 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 plus the amount of delay damages for this based on the applicable statutory interest rate.

②In the event of an unperformed obligation to pay the amount to be paid that is referred to in Article 35-3-8, item (iii) pursuant to 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 individual credit purchase intermediary may not demand that the purchaser or service recipient pay money that exceeds the amount that corresponds to the total amount payable under the contract less the amount to be paid 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.

①If a purchaser or service recipient receives a demand to pay the amount to be paid as referred to in Article 35-3-8, item (iii) pursuant to a contract for sales involving the intermediation of individual credit purchases or a contract for services involving the intermediation of individual credit purchases, the purchaser or service recipient may assert an affirmative defense against the individual credit purchase intermediary demanding the payment, based on grounds that have arisen against the seller affiliated with the intermediation of individual credit purchases or the service provider affiliated with the intermediation of individual credit purchases under that contract.

②Any 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.

③If a purchaser or service recipient that asserts an affirmative defense against an individual credit purchase intermediary under the provisions of paragraph (1), is requested by the individual 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 that document.

④The 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.

An individual 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 purchasers and service recipients that it acquires in the course of its services in the intermediation of individual credit purchases, to ensure the proper performance of its services in the intermediation of individual credit purchases if it entrusts those services to a third party, to properly perform its services in light of the knowledge, experience, and financial condition of the purchaser or service recipient and the purpose for which the contract providing the receipt of monies subject to the intermediation of individual credit purchases is concluded, and to appropriately and promptly process complaints from purchasers and service recipients, in order to protect the interests of purchasers and service recipients.

①If the Minister of Economy, Trade and Industry finds an individual credit purchase intermediary to be in violation of the provisions of the main clause of paragraph (1) of Article 35-3-3; paragraph (3) or paragraph (4) of that Article; the main clause of Article 35-3-4; Article 35-3-5; the main clause of Article 35-3-7; Article 35-3-10, paragraph (4); Article 35-3-11, paragraph (6); 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 to the individual credit purchase intermediary to take the necessary measures to improve the business operations that are connected with the intermediation of individual credit purchases.

②If an individual credit purchase intermediary violates the provisions of the main clause of paragraph (1) of Article 35-3-3; paragraph (3) or paragraph (4) of that Article; the main clause of Article 35-3-4; Article 35-3-5; the main clause of Article 35-3-7; 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 an individual credit purchase intermediary violates the provisions of the main clause of paragraph (1) of Article 35-3-3; paragraph (3) or paragraph (4) of that Article; the main clause of Article 35-3-4; Article 35-3-5; the main clause of Article 35-3-7; or the preceding Article, and the Prime Minister finds it to be necessary to protect the interests of the 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.

①With the consent of the purchaser or service recipient and pursuant to the provisions of Cabinet Order, in lieu of delivering a document under the provisions of Article 35-3-8, or Article 35-3-9, paragraph (1) or paragraph (3), the seller affiliated with the intermediation of individual credit purchases, the service provider affiliated with the intermediation of individual credit purchases, or the individual credit purchase intermediary may provide the purchaser or service recipient with the matters that are required to be stated in the document through electronic or magnetic means. In doing so, the seller affiliated with the intermediation of individual credit purchases, the service provider affiliated with the intermediation of individual credit purchases, or the individual credit purchase intermediary is deemed to have delivered the relevant document.

②If the matters that are required to be stated in a document are provided by the means provided for in the first sentence of the preceding paragraph (excluding a means specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order) in lieu of the document under the provisions of Article 35-3-9, paragraph (1) or paragraph (3) being delivered, the document is deemed to have reached the purchaser or service recipient when the matters are recorded in a file that is stored on a computer used by the purchaser or service recipient.

It is prohibited for any person other than a corporation registered in the individual credit purchase intermediary register maintained at the Ministry of Economy, Trade and Industry (referred to below as a "registered individual credit purchase intermediary") to engage in the intermediation of individual credit purchases in the course of trade; provided, however, that this does not apply to the organizations stated in Article 35-3-60, paragraph (2), item (iv).

①A person seeking to be registered as referred to 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 the 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.

①Whenever there is an application for registration under paragraph (1) of the preceding Article, the Minister of Economy, Trade and Industry must register the matters stated in the items of paragraph (1) of the preceding Article and the date of registration in the individual credit purchase intermediary register, unless the minister refuses to effect a registration, pursuant to the provisions of paragraph (1) of the following Article.

②Once the Minister of Economy, Trade and Industry effects a registration as referred to in Article 35-3-23, the minister must notify the applicant for the registration of this without delay.