# 割賦販売法 / Installment Sales Act — 第三十条の五の四 (Article 30-5-4) This is the Markdown twin of https://japanlaw.org/en/installment-sales-act/art-30-5-4. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp. - Law: 割賦販売法 (Installment Sales Act), 昭和三十六年法律第百五十九号 - English title "Installment Sales Act": Ministry of Justice translation - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第三十条の五の四 (Article 30-5-4)（認定包括信用購入あつせん業者） — address `art-30-5-4` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/en/installment-sales-act/art-30-5-4 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-30-5-4 - Every provision below carries its address and both URLs on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第三十条の五の四（認定包括信用購入あつせん業者） — (Certified Comprehensive Credit Purchase Intermediary) caption: Ministry of Justice translation — Japanese Law Translation Database System art-30-5-4 · https://japanlaw.org/en/installment-sales-act/art-30-5-4 · https://japanlaw.org/l/336AC0000000159/art-30-5-4 **第一項** 包括信用購入あつせん業者は、包括支払可能見込額に代えて、利用者支払可能見込額（最低限度の生活の維持に支障を生ずることなく、利用者が包括信用購入あつせんに係る購入又は受領の方法により購入しようとする商品若しくは指定権利の代金又は受領しようとする役務の対価に相当する額の支払に充てることができると見込まれる額をいう。以下同じ。）の算定を行おうとする場合は、経済産業省令で定めるところにより、次の各号のいずれにも該当する旨の経済産業大臣の認定を受けることができる。 art-30-5-4/par-1 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1 When 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: Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "When 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 a purchaser seeks to purchase or consideration for services that a service recipient 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:" — https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb **一** 当該算定の方法が、利用者の支払能力に関する情報を高度な技術的手法を用いて分析することにより利用者支払可能見込額を適確に算定することを可能とするものとして経済産業省令で定める基準に適合するものであること。 art-30-5-4/par-1/item-1 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1/item-1 the method of the calculation meets the standards specified by Order of the Ministry of Economy, Trade and Industry regarding methods that enable appropriate calculation of the user purchase amount projected to be affordable by, through advanced technical means, analyzing information on a user's ability to pay; and Ministry of Justice translation — Japanese Law Translation Database System **二** 当該算定を行う体制が、経済産業省令で定める基準に適合するものであること。 art-30-5-4/par-1/item-2 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1/item-2 a system for making the calculation meets the standards specified by Order of the Ministry of Economy, Trade and Industry. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 経済産業大臣は、前項の認定の申請が同項各号のいずれにも適合していると認めるときは、同項の認定をするものとする。 art-30-5-4/par-2 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-2 If 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. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項の認定を受けた包括信用購入あつせん業者（以下「認定包括信用購入あつせん業者」という。）は、当該認定に係る同項第一号の方法又は同項第二号の体制を変更しようとするときは、経済産業省令で定めるところにより、経済産業大臣の認定を受けなければならない。 art-30-5-4/par-3 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-3 If 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. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 第二項の規定は、前項の変更の認定に準用する。 art-30-5-4/par-4 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-4 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-4 The provisions of paragraph (2) apply mutatis mutandis to certification of a change stated in the preceding paragraph. Ministry of Justice translation — Japanese Law Translation Database System **第五項** 経済産業大臣は、認定包括信用購入あつせん業者が次の各号のいずれかに該当するときは、その認定を取り消すことができる。 art-30-5-4/par-5 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5 If 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: Ministry of Justice translation — Japanese Law Translation Database System **一** 第一項各号のいずれかに適合しなくなつたと認められるとき。 art-30-5-4/par-5/item-1 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5/item-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-1 it is found that it no longer meets any of the requirements stated in the items of paragraph (1); Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "it is found that it no longer meets either of the requirements stated in the items of paragraph (1)." — https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb **二** 第三項の規定に違反して、同項の変更の認定を受けずに、第一項第一号の方法又は同項第二号の体制を変更したとき。 art-30-5-4/par-5/item-2 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5/item-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-2 it violates the provisions of paragraph (3) and changes the method stated in item (i) of paragraph (1) or the system stated in item (ii) of that paragraph without obtaining certification under paragraph (3); Ministry of Justice translation — Japanese Law Translation Database System **三** 第三十条の六第一項（次条第一項本文、第二項及び第三項並びに第三十条の五の六本文に係る部分に限る。）の規定による命令に違反したとき。 art-30-5-4/par-5/item-3 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5/item-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-3 it violates an order under the provisions of Article 30-6, paragraph (1) (limited to portions related to the main clause of paragraph (1) of the following Article; paragraphs (2) and (3) of that Article; and the main clause of Article 30-5-6); Ministry of Justice translation — Japanese Law Translation Database System **四** 不正の手段により第一項の認定又は第三項の変更の認定を受けたとき。 art-30-5-4/par-5/item-4 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5/item-4 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-4 it has obtained the certification under paragraph (1) or the certification for a change under paragraph (3) by wrongful means. Ministry of Justice translation — Japanese Law Translation Database System **第六項** 第三十条の二、第三十条の二の二及び前条の規定は、認定包括信用購入あつせん業者については、適用しない。 art-30-5-4/par-6 · https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-6 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-6 The provisions of Article 30-2, Article 30-2-2 and the preceding Article do not apply to certified comprehensive credit purchase intermediaries. Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "the provisions of Article 30-2, Article 30-2-2 and the preceding Article do not apply to certified comprehensive credit purchase intermediaries." — https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb --- ## Cites - art-30-5-4/par-2: 前項 → 割賦販売法 第三十条の五の四第一項 (Article 30-5-4, paragraph (1)), art-30-5-4/par-1 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1 - art-30-5-4/par-3: 第一項 → 割賦販売法 第三十条の五の四第一項 (Article 30-5-4, paragraph (1)), art-30-5-4/par-1 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1 - art-30-5-4/par-3: 同項第一号 → 割賦販売法 第三十条の五の四第一項第一号 (Article 30-5-4, paragraph (1), item (i)), art-30-5-4/par-1/item-1 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1/item-1 - art-30-5-4/par-3: 同項第二号 → 割賦販売法 第三十条の五の四第一項第二号 (Article 30-5-4, paragraph (1), item (ii)), art-30-5-4/par-1/item-2 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1/item-2 - art-30-5-4/par-4: 第二項 → 割賦販売法 第三十条の五の四第二項 (Article 30-5-4, paragraph (2)), art-30-5-4/par-2 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-2 - art-30-5-4/par-4: 前項 → 割賦販売法 第三十条の五の四第三項 (Article 30-5-4, paragraph (3)), art-30-5-4/par-3 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-3 - art-30-5-4/par-5/item-1: 第一項 → 割賦販売法 第三十条の五の四第一項 (Article 30-5-4, paragraph (1)), art-30-5-4/par-1 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1 - art-30-5-4/par-5/item-2: 第三項 → 割賦販売法 第三十条の五の四第三項 (Article 30-5-4, paragraph (3)), art-30-5-4/par-3 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-3 - art-30-5-4/par-5/item-2: 第一項第一号 → 割賦販売法 第三十条の五の四第一項第一号 (Article 30-5-4, paragraph (1), item (i)), art-30-5-4/par-1/item-1 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1/item-1 - art-30-5-4/par-5/item-2: 同項第二号 → 割賦販売法 第三十条の五の四第一項第二号 (Article 30-5-4, paragraph (1), item (ii)), art-30-5-4/par-1/item-2 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1/item-2 - art-30-5-4/par-5/item-3: 第三十条の六第一項 → 割賦販売法 第三十条の六第一項 (Article 30-6, paragraph (1)), art-30-6/par-1 — https://japanlaw.org/en/installment-sales-act/art-30-6/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-6/par-1 - art-30-5-4/par-5/item-3: 次条第一項 → 割賦販売法 第三十条の五の五第一項 (Article 30-5-5, paragraph (1)), art-30-5-5/par-1 — https://japanlaw.org/en/installment-sales-act/art-30-5-5/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-1 - art-30-5-4/par-5/item-3: 第二項 → 割賦販売法 第三十条の五の五第二項 (Article 30-5-5, paragraph (2)), art-30-5-5/par-2 — https://japanlaw.org/en/installment-sales-act/art-30-5-5/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-2 - art-30-5-4/par-5/item-3: 第三項 → 割賦販売法 第三十条の五の五第三項 (Article 30-5-5, paragraph (3)), art-30-5-5/par-3 — https://japanlaw.org/en/installment-sales-act/art-30-5-5/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-3 - art-30-5-4/par-5/item-3: 第三十条の五の六 → 割賦販売法 第三十条の五の六 (Article 30-5-6), art-30-5-6 — https://japanlaw.org/en/installment-sales-act/art-30-5-6 · https://japanlaw.org/l/336AC0000000159/art-30-5-6 - art-30-5-4/par-5/item-4: 第一項 → 割賦販売法 第三十条の五の四第一項 (Article 30-5-4, paragraph (1)), art-30-5-4/par-1 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1 - art-30-5-4/par-5/item-4: 第三項 → 割賦販売法 第三十条の五の四第三項 (Article 30-5-4, paragraph (3)), art-30-5-4/par-3 — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-3 - art-30-5-4/par-6: 第三十条の二 → 割賦販売法 第三十条の二 (Article 30-2), art-30-2 — https://japanlaw.org/en/installment-sales-act/art-30-2 · https://japanlaw.org/l/336AC0000000159/art-30-2 - art-30-5-4/par-6: 第三十条の二の二 → 割賦販売法 第三十条の二の二 (Article 30-2-2), art-30-2-2 — https://japanlaw.org/en/installment-sales-act/art-30-2-2 · https://japanlaw.org/l/336AC0000000159/art-30-2-2 - art-30-5-4/par-6: 前条 → 割賦販売法 第三十条の五の三 (Article 30-5-3), art-30-5-3 — https://japanlaw.org/en/installment-sales-act/art-30-5-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-3 ## Cited by 9 provisions cite this one. No official source publishes this direction. - 割賦販売法 第三十条の二第三項（包括支払可能見込額の調査） — https://japanlaw.org/en/installment-sales-act/art-30-2/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-3 - 割賦販売法 第三十条の五の四第二項（認定包括信用購入あつせん業者） — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-2 - 割賦販売法 第三十条の五の四第三項（認定包括信用購入あつせん業者） — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-3 - 割賦販売法 第三十条の五の四第四項（認定包括信用購入あつせん業者） — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-4 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-4 - 割賦販売法 第三十条の五の四第五項第一号（認定包括信用購入あつせん業者） — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5/item-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-1 - 割賦販売法 第三十条の五の四第五項第二号（認定包括信用購入あつせん業者） — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5/item-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-2 - 割賦販売法 第三十条の五の四第五項第四号（認定包括信用購入あつせん業者） — https://japanlaw.org/en/installment-sales-act/art-30-5-4/par-5/item-4 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-4 - 割賦販売法 第三十条の五の五第一項（利用者支払可能見込額の算定） — https://japanlaw.org/en/installment-sales-act/art-30-5-5/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-1 - 割賦販売法 第三十五条の二の三第二項（登録） — https://japanlaw.org/en/installment-sales-act/art-35-2-3/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-2-3/par-2 --- ## Sources - claude-opus-5-5 — Corrections to the Ministry of Justice's English of the Installment Sales Act, written 2026-11-03 - e-Gov 法令検索, Digital Agency (デジタル庁) — 割賦販売法 — the text in force from 2025-06-01 (https://laws.e-gov.go.jp/law/336AC0000000159/20250601_504AC0000000068), retrieved 2026-11-02 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Installment Sales Act (割賦販売法), Article 30-5-4, paragraph (1) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb), retrieved 2026-11-02 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Installment Sales Act (割賦販売法), Article 30-5-4, paragraph (5), item (i) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb), retrieved 2026-11-02 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Installment Sales Act (割賦販売法), Article 30-5-4, paragraph (6) — the Ministry of Justice's English as printed (https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb), retrieved 2026-11-02 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Installment Sales Act — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb), retrieved 2026-11-02 - This site's parser, version 220 — 割賦販売法 — structure, counts, cross-references and defined terms, computed 2026-11-02