①A designated credit bureau must establish operational rules in respect of the following matters relevant to its specified credit information services, and obtain the approval of the Minister of Economy, Trade and Industry for those. The same applies if it seeks to change these:

②The operational rules in respect of the matters stated in item (ii) of the preceding paragraph must have the following matters among their contents:

③The operational rules in respect of the matters stated in paragraph (1), item (v) must have among their contents that the fees for specified credit information services be equitable and appropriate in light of the reasonable costs incurred in the efficient operation of business.

④If operational rules that the Minister of Economy, Trade and Industry has approved as referred to in paragraph (1) are found to have become inappropriate in terms of the proper and reliable performance of specified credit information services, the minister may order the designated credit bureau to change those operational rules.

①When a comprehensive credit purchase intermediary or individual credit purchase intermediary wishes to conclude a specified credit information service contract, the designated credit bureau must not refuse that request without legitimate grounds for doing so.

②The designated credit bureau must not subject any particular participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary to unfairly differential treatment.

The designated credit bureau must prepare and archive records of specified credit information services pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry.

A designated credit bureau must exercise the necessary and appropriate supervision over participating comprehensive credit purchase intermediaries and participating individual credit purchase intermediaries so that they do not use specified credit information provided to them by the designated credit bureau for purposes other than investigations under the provisions of the main clause of Article 30-2, paragraph (1); investigations under the provisions of Article 30-5-5, paragraph (2); investigations under the provisions of Article 35-2-4, paragraph (2); investigations under the provisions of the main clause of Article 35-3-3, paragraph (1); or other investigations into the matters of a user's, purchaser's, or service recipient's ability to pay (referred to as an "investigation into the ability to pay" in Article 35-3-59, paragraph (1) and Article 50, item (ii)).

①If a first designated credit bureau is requested by a second designated credit bureau to provide basic specified credit information as per the request of the participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary of that second designated credit bureau, the first designated credit bureau must provide the basic specified credit information requested, unless it has legitimate grounds not to do so or unless it is a case as specified by Order of the Ministry of Economy, Trade and Industry.

②A designated credit bureau may collect fees for providing basic specified credit information as under the provisions of the preceding paragraph.

③If a designated credit bureau collects fees pursuant to the provisions of the preceding paragraph, it must set those fees at a level that is equitable and appropriate in light of the reasonable costs incurred in the efficient operation of business for providing the basic specified credit information as under the provisions of paragraph (1).

④The provisions of Article 35-3-39 and Article 35-3-45 apply mutatis mutandis to business for providing basic specified credit information as under the provisions of paragraph (1).

A designated credit bureau must make the list of participating comprehensive credit purchase intermediaries and participating individual credit purchase intermediaries available for public inspection.

It is prohibited for a person that is not a designated credit bureau (unless it is a person that has obtained a designation under the provisions of Article 41-13, paragraph (1) of the Money Lending Business Act) to use a term in its name or trade name which could give rise to the misconception that it is a designated credit bureau.

①If a matter stated in one of items (i) through (iii) of Article 35-3-37, paragraph (1) changes, the designated credit bureau must file a notification of this with the Minister of Economy, Trade and Industry, without delay.

②If a notification of a change to the trade name or name of a designated credit bureau or the location of its principal business office or office is filed pursuant to the provisions of the preceding paragraph, the Minister of Economy, Trade and Industry must issue public notice of that change in the Official Gazette.

①Each business year, a designated credit bureau must prepare a report on its business activities and assets in the relevant business year and submit it to the Minister of Economy, Trade and Industry.

②The matters that are required to be stated in the report referred to in the preceding paragraph, the submission date, and other necessary matters are specified by Order of the Ministry of Economy, Trade and Industry.

If the Minister of Economy, Trade and Industry finds, with respect to a designated credit bureau's operation of specified credit information services, that it is necessary to do so in order to ensure the proper and reliable performance of specified credit information services, the minister, within the scope of that necessity, may order the designated credit bureau to take the measures necessary for improving its financial condition and business operations.