①If a designated credit bureau seeks to suspend (excluding due to a reason prescribed in the following paragraph) or discontinue all or part of its specified credit information services, it must obtain the authorization of the Minister of Economy, Trade and Industry to do so.

②If a designated credit bureau suspends all or part of its specified credit information services due to a natural disaster or for other reasons beyond its control, the designated credit bureau must immediately file a notification of this with the Minister of Economy, Trade and Industry, indicating the applicable reason, as well as notifying participating comprehensive credit purchase intermediaries, participating individual credit purchase intermediaries, and other designated credit bureaus. The same applies when a designated credit bureau recommences all or part of the specified credit information services so suspended.

③If the specified credit information services of a designated credit bureau are suspended pursuant to the provisions of one of the preceding two paragraphs, and a comprehensive credit purchase intermediary or individual credit purchase intermediary is unable to use all or part of the specified credit information held by the designated credit bureau, the provisions of Article 30-2, paragraph (3), Article 30-5-5, paragraph (2), Article 35-2-4, paragraph (2) and Article 35-3-3, paragraph (3) do not apply.

①If a designated credit bureau falls under one of the following items, the Minister of Economy, Trade and Industry may rescind the designation under the provisions of Article 35-3-36, paragraph (1) or the approval referred to in the proviso to Article 35-3-41, paragraph (1), order the suspension of all or part of its specified credit information services within a fixed period of no longer than six months, or order the dismissal of its officers:

②If the Minister of Economy, Trade and Industry rescinds a designation under Article 35-3-36, paragraph (1) pursuant to the provisions of the preceding paragraph, the minister must issue public notice of this in the Official Gazette.

①If a designated credit bureau falls under one of the following items, the Minister of Economy, Trade and Industry may order the designated credit bureau to have another designated credit bureau perform all or part of the specified credit information services:

②If the Minister of Economy, Trade and Industry issues an order under the preceding paragraph, the minister must issue public notice of this in the Official Gazette.

①When a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary concludes a specified credit information service contract with a designated credit bureau, it must provide the designated credit bureau with the following matters in respect of the contracts providing the receipt of monies subject to the intermediation of comprehensive credit purchases or contracts providing the receipt of monies subject to the intermediation of individual credit purchases with purchasers or service recipients as the other parties, which it has concluded before concluding the specified credit information service contract, and under which there is still an amount to be paid or payment money that is not yet due as of the time that the specified credit information service contract is concluded (including those which are due and which represent unperformed payment obligations):

②Whenever a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary concludes a contract providing the receipt of monies subject to the intermediation of comprehensive credit purchases or a contract providing the receipt of monies subject to the intermediation of individual credit purchases with a purchaser or service recipient as the other party, it must provide basic specified credit information in respect of that contract to the designated credit bureau with which it is affiliated (meaning the designated credit bureau with which it has concluded a specified credit information service contract; the same applies below) without delay.

③If the basic specified credit information under the preceding two paragraphs which a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary has provided changes, the intermediary must provide the participating designated credit bureau with which it is affiliated with the details of that change, without delay.

①Except in the cases specified by Order of the Ministry of Economy, Trade and Industry, before a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary requests a participating designated credit bureau with which it is affiliated to provide it with specified credit information about a user, purchaser, or service recipient (including a request to be provided with the basic specified credit information about the user, purchaser, or service recipient which another designated credit bureau holds), it must obtain the consent of the user, purchaser, or service recipient in writing or by electronic or magnetic means.

②Before seeking to conclude a contract providing the receipt of monies subject to the intermediation of comprehensive credit purchases or a contract providing the receipt of monies subject to the intermediation of individual credit purchases with a purchaser or service recipient as the other party, a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary must obtain the consent stated in the following from the purchaser or service recipient, in writing or by electronic or magnetic means:

③Whenever a participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary obtains the consent referred to in one of the preceding two paragraphs, it must prepare and archive records of that consent pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry.

A participating comprehensive credit purchase intermediary or participating individual credit purchase intermediary must disclose the trade name or name of the participating designated credit bureau with which it is affiliated.

①It is prohibited for a participating comprehensive credit purchase intermediary, a participating individual credit purchase intermediary, or the officer or employee of either of these, to request the participating designated credit bureau with which it is affiliated to provide it with specified credit information for purposes other than an investigation into the ability to pay (this includes a request to provide it with the basic specified credit information on a user, purchaser, or service recipient, which another designated credit bureau holds), for that person to use specified credit information received from the participating designated credit bureau with which it is affiliated for purposes other than an investigation into the ability to pay, or for it to provide the information to a third party.

②Once a person is no longer a participating comprehensive credit purchase intermediary, a participating individual credit purchase intermediary, or the officer or employee of either of these, it is prohibited for that person to use specified credit information received from a participating designated credit bureau with which it was affiliated, or to provide that information to a third party.