①If a seller or a service provider that concludes a contract for the intermediation of individual credit purchases with a person that is in the business of the intermediation of individual credit purchases (the person is referred to below as an "individual credit purchase intermediary") (the seller is referred to below as the "seller affiliated with the intermediation of individual credit purchases" and the service provider is referred to as the "service provider affiliated with the intermediation of individual credit purchases"), seeks to sell goods or designated rights or provide services in a way that involves the intermediation of individual credit purchases, it must indicate the following matters about the goods, designated rights, or services to the counterparty, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order:

②When the seller affiliated with the intermediation of individual credit purchases or the service provider affiliated with the intermediation of individual credit purchases sells goods or designated rights or provides services in a way that involves the intermediation of individual credit purchases and advertises the terms and conditions of the sale or the terms and conditions for their provision, it must indicate the matters stated in the items of the preceding paragraph in its advertising, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.

①Before an individual credit purchase intermediary seeks to conclude 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 individual credit purchases (the contract is referred to below as a "contract providing the receipt of monies subject to the intermediation of individual credit purchases"), it 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 connected with the intermediation of credit purchases, loan status, and other necessary matters relevant to the calculation of the individual purchase amount projected to be affordable for that purchaser or service recipient, 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 purchaser or service recipient.

②The "individual purchase amount projected to be affordable" as used in this Section means the projected amount that a purchaser or service recipient can allocate in a year for payment of the amount that corresponds to the cost of goods or designated rights that a purchaser seeks to purchase or consideration for services that a service recipient seeks to receive in a way that involves the intermediation of individual credit purchases, without transferring or pledging as collateral the home that the purchaser or service recipient 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 purchaser or service recipient.

③When an individual credit purchase intermediary performs an investigation pursuant to the provisions of the main clause of paragraph (1), it must use the specified credit information held by a designated credit bureau.

④When an individual credit purchase intermediary concludes a contract providing the receipt of monies subject to the intermediation of individual credit purchases, the individual credit purchase intermediary must prepare and archive a record of the investigation under 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 an individual credit purchase intermediary seeks to conclude a contract providing the receipt of monies subject to the intermediation of individual credit purchases, but the part of the total amount payable that the purchaser or service recipient would have to pay during a year's time exceeds the individual purchase amount projected to be affordable as calculated based on information obtained in an investigation under the provisions of the main clause of paragraph (1) of the preceding Article, the individual credit purchase intermediary must not conclude the contract providing the receipt of monies subject to the intermediation of individual credit purchases; provided, however, that this does not apply to 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.

①If an individual credit purchase intermediary seeks to conclude a contract providing the receipt of monies subject to the intermediation of individual credit purchases which is connected with a contract falling under one of the following items (that contract is referred to as a "specified contract" in Article 35-3-7) which constitutes a contract under which goods or designated rights are sold in a way that involves the intermediation of individual credit purchases (referred to below as "contract for sales involving the intermediation of individual credit purchases") or a contract under which services are provided in a way that involves the intermediation of individual credit purchases (referred to below as a "contract for services involving the intermediation of individual credit purchases"), before concluding the contract and pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, the intermediary must investigate the matters specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order concerning whether the seller affiliated with the intermediation of individual credit purchases or the service provider affiliated with the intermediation of individual credit purchases has committed an act falling under one of the items of Article 35-3-7:

②An individual credit purchase intermediary must prepare and archive a record of any investigation under the preceding paragraph, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order.

The seller affiliated with the intermediation of individual credit purchases or the service provider affiliated with the intermediation of individual credit purchases must endeavor to cooperate with the investigation under paragraph (1) of the preceding Article.

If an individual credit purchase intermediary finds, based on information learned in an investigation under the provisions of Article 35-3-5, paragraph (1) or from any other source, that the seller affiliated with the intermediation of individual credit purchases or the service provider affiliated with the intermediation of individual credit purchases has engaged in an act falling under one of the following items in soliciting an offer for a contract for sales involving the intermediation of individual credit purchases or contract for services involving the intermediation of individual credit purchases which constitutes a specified contract, or in soliciting a person to conclude such a contract, the individual credit purchase intermediary must not offer the solicited party a contract providing the receipt of monies subject to the intermediation of individual credit purchases in connection with the contract for sales involving the intermediation of individual credit purchases or contract for services involving the intermediation of individual credit purchases, and must not accept the solicited party's offer of a contract providing the receipt of monies subject to the intermediation of individual credit purchases in connection with the contract for sales involving the intermediation of individual credit purchases or contract for services involving the intermediation of individual credit purchases; provided, however, that this does not apply if there are confirmed to be special circumstances that make it necessary for the solicited party to conclude the contract for sales involving the intermediation of individual credit purchases or contract for services involving the intermediation of individual credit purchases, or if it is found that the interests of the solicited party are not compromised and are unlikely to become compromised:

When the seller affiliated with the intermediation of individual credit purchases or the service provider Affiliated with the intermediation of individual credit purchases concludes the contract for sales involving the intermediation of individual credit purchases or the contract for services involving the intermediation of individual credit purchases, it must deliver a document to the purchaser or service recipient stating 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: