# 割賦販売法 / Installment Sales Act — 第三十五条の十六 (Article 35-16) This is the Markdown twin of https://japanlaw.org/en/installment-sales-act/art-35-16. 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: 第三十五条の十六 (Article 35-16)（クレジットカード番号等の適切な管理） — address `art-35-16` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/en/installment-sales-act/art-35-16 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-35-16 - 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. --- ### 第三十五条の十六（クレジットカード番号等の適切な管理） — (Proper Management of Credit Card Numbers) caption: Ministry of Justice translation — Japanese Law Translation Database System art-35-16 · https://japanlaw.org/en/installment-sales-act/art-35-16 · https://japanlaw.org/l/336AC0000000159/art-35-16 **第一項** クレジットカード番号等取扱業者（次の各号のいずれかに該当する者をいう。以下同じ。）は、経済産業省令で定める基準に従い、その取り扱うクレジットカード番号等（包括信用購入あつせん業者又は二月払購入あつせんを業とする者（以下「クレジットカード等購入あつせん業者」という。）が、その業務上利用者に付与する第二条第三項第一号の番号、記号その他の符号をいう。以下同じ。）の漏えい、滅失又は毀損の防止その他のクレジットカード番号等の適切な管理のために必要な措置を講じなければならない。 art-35-16/par-1 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1 A business that handles credit card numbers (which refers to a business that falls under any of the following items; the same applies below) must take the necessary measures, in accordance with the standards specified by Order of the Ministry of Economy, Trade and Industry, to prevent the inappropriate disclosure, loss or damage in respect of a credit card number (meaning the number, symbol, or other code stated in Article 2, paragraph (3), item (i) that is issued to a user by a comprehensive credit purchase intermediary or a person that deals in the intermediation of two-month installment purchases (referred to below as a "credit card purchase intermediary") in the course of business; the same applies below) it handles, as well as other measures necessary for the proper management of credit card numbers. machine translation, not official **一** クレジットカード等購入あつせん業者 art-35-16/par-1/item-1 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-1 credit card purchase intermediary; Ministry of Justice translation — Japanese Law Translation Database System **二** 包括信用購入あつせん又は二月払購入あつせん（以下この項及び第三十五条の十七の二において「クレジットカード等購入あつせん」という。）に係る販売の方法により商品若しくは権利を販売する販売業者（以下「クレジットカード等購入あつせん関係販売業者」という。）又はクレジットカード等購入あつせんに係る提供の方法により役務を提供する役務提供事業者（以下「クレジットカード等購入あつせん関係役務提供事業者」という。） art-35-16/par-1/item-2 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-2 a seller who sells goods or rights in a way that involves the intermediation of comprehensive credit purchases or the intermediation of two-month installment purchases (referred to below as the "intermediation of credit card purchases" in this paragraph and Article 35-17-2) (that seller is referred to below as "seller affiliated with the intermediation of credit card purchase") or service provider who provides services in a way that involves the intermediation of credit card purchase (referred to below as "service provider affiliated with the intermediation of credit card purchase"); Ministry of Justice translation — Japanese Law Translation Database System **三** 特定のクレジットカード等購入あつせん業者のために、自己の名をもつて特定のクレジットカード等購入あつせん関係販売業者又はクレジットカード等購入あつせん関係役務提供事業者にクレジットカード等購入あつせんに係る購入の方法により購入された商品若しくは権利の代金又は受領される役務の対価に相当する額の交付（当該クレジットカード等購入あつせん関係販売業者又はクレジットカード等購入あつせん関係役務提供事業者以外の者を通じた当該クレジットカード等購入あつせん関係販売業者又はクレジットカード等購入あつせん関係役務提供事業者への交付を含む。次号において同じ。）をすることを業とする者（同号において「立替払取次業者」という。） art-35-16/par-1/item-3 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-3 a person that is in the business of delivering, in its own name, an amount of money that corresponds to the cost of goods or rights purchased or the consideration for the services received, for the sake of a specific credit card purchase intermediary, when these are purchased or received in a way that involves the intermediation of credit card purchases, to a specific seller affiliated with the intermediation of credit card purchase or service provider affiliated with the intermediation of credit card purchase (this includes delivering such an amount to the seller affiliated with the intermediation of credit card purchase or the service provider affiliated with the intermediation of credit card purchase through a person other than that seller affiliated with the intermediation of credit card purchase or the service provider affiliated with the intermediation of credit card purchase; the same applies in the next item) (referred to as the "broker for third-party payments" in the same item); Ministry of Justice translation — Japanese Law Translation Database System **四** 特定の立替払取次業者のために、自己の名をもつて特定のクレジットカード等購入あつせん関係販売業者又はクレジットカード等購入あつせん関係役務提供事業者にクレジットカード等購入あつせんに係る購入の方法により購入された商品若しくは権利の代金又は受領される役務の対価に相当する額の交付をすることを業とする者 art-35-16/par-1/item-4 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-4 a person that is in the business of delivering, in its own name, an amount of money that corresponds to the cost of goods or rights purchased or the consideration for the services received, for the sake of a specific broker for third-party payments, when these are purchased or received in a way that involves the intermediation of credit card purchase, to a specific seller affiliated with the intermediation of credit card purchase or service provider affiliated with the intermediation of credit card purchase; Ministry of Justice translation — Japanese Law Translation Database System **五** 利用者からクレジットカード番号等の提供を受けて、当該クレジットカード番号等を決済用情報（当該クレジットカード番号等以外の番号、記号その他の情報であつて、当該利用者がそれを提示し又は通知して、特定の販売業者から商品若しくは権利を購入し、又は特定の役務提供事業者から役務の提供を受けることができるものをいう。以下この項において同じ。）と結び付け、当該決済用情報を当該利用者に提供することを業とする者 art-35-16/par-1/item-5 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-5 a person that is in the business of receiving credit card numbers, etc. from users, associating those credit card numbers with information for settlement (which consists of numbers other than those credit card numbers, symbols and other information which the users present or indicate so that they can purchase goods or rights from a specific seller or receive services from a specific service provider; the same applies below in this paragraph), and providing that information for settlement to the users; Ministry of Justice translation — Japanese Law Translation Database System **六** 前号に掲げる者から委託（二以上の段階にわたる委託を含む。）を受け、クレジットカード番号等をその結び付けられた決済用情報により特定することができる状態で管理することを業とする者 art-35-16/par-1/item-6 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-6 a person that is in the business of being entrusted by a person stated in the preceding item (including two-step and above entrustment) and managing credit card numbers, etc. in a condition in which the numbers can be identified using information for settlement that is associated with them; or Ministry of Justice translation — Japanese Law Translation Database System **七** 第三号から前号までに掲げる者のほか、大量のクレジットカード番号等を取り扱う者として経済産業省令で定める者 art-35-16/par-1/item-7 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-7 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-7 beyond the persons stated in item (iii) through the preceding item, a person specified by Order of Ministry of Economy, Trade and Industry as a handler of a massive amount of credit card numbers, etc. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項の「二月払購入あつせん」とは、カード等を利用者に交付し又は付与し、当該利用者がそのカード等を提示し若しくは通知して、又はそれと引換えに特定の販売業者から商品若しくは権利を購入し、又は特定の役務提供事業者から役務の提供を受けるときは、当該販売業者又は当該役務提供事業者に当該商品若しくは当該権利の代金又は当該役務の対価に相当する額の交付（当該販売業者又は当該役務提供事業者以外の者を通じた当該販売業者又は当該役務提供事業者への交付を含む。）をするとともに、当該利用者から当該代金又は当該対価に相当する額を、当該利用者が当該販売業者から商品若しくは権利を購入する契約を締結し、又は当該役務提供事業者から役務の提供を受ける契約を締結した時から二月を超えない範囲内においてあらかじめ定められた時期までに受領することをいう。 art-35-16/par-2 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-2 The term "intermediation of two-month installment purchases" in the preceding paragraph means issuing or granting a card, etc. to a user and then delivering an amount of money that corresponds to the cost of goods or rights or the consideration for services to the seller or service provider (this includes delivering such an amount to the seller or service provider through a person other than that seller or service provider) and receiving an amount of money that corresponds to that cost or consideration from the user by a pre-determined period of within two months from the time the user concludes the contract under which the user purchases the goods or rights from the seller or receives the services from the service provider, when the user presents, indicates, or trades in that card, etc. to purchase goods or rights from a specific seller or to receive services from a specific service provider. Ministry of Justice translation — Japanese Law Translation Database System **第三項** クレジットカード番号等取扱業者は、クレジットカード番号等取扱受託業者（当該クレジットカード番号等取扱業者からクレジットカード番号等の取扱いの全部若しくは一部の委託を受けた第三者又は当該第三者から委託（二以上の段階にわたる委託を含む。）を受けた者をいう。以下同じ。）の取り扱うクレジットカード番号等の適切な管理が図られるよう、経済産業省令で定める基準に従い、クレジットカード番号等取扱受託業者に対する必要な指導その他の措置を講じなければならない。 art-35-16/par-3 · https://japanlaw.org/en/installment-sales-act/art-35-16/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-3 A business that handles credit card numbers, in accordance with the standards specified by Order of the Ministry of Economy, Trade and Industry, must provide the necessary instructions to an entrusted business that handles credit card numbers (which means a third party who is entrusted by the relevant business that handles credit card numbers to handle all or part of credit card numbers, or a person that is entrusted by the third party (including two-step and above entrustment; the same applies below)) and take other measures to ensure the proper management of credit card numbers handled by an entrusted business that handles credit card numbers. Ministry of Justice translation with a slip corrected by this site — not the Ministry's text; the Ministry printed: "A business that handles credit card numbers, in accordance with the standards specified by Order of the Ministry of Economy, Trade and Industry, must provide the necessary instructions to an entrusted business that handles credit card numbers (which means a third party who is entrusted by the relevant business that handles credit card numbers to handle all or part of credit card numbers, or a person that is entrusted by the third party (including two-step and above entrustment; the same applies below)) and take other measures to ensure the proper management of credit card numbers handled by an entrusted business that handles credit card numbers:" — https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb --- ## Cites - art-35-16/par-1: 第二条第三項第一号 → 割賦販売法 第二条第三項第一号 (Article 2, paragraph (3), item (i)), art-2/par-3/item-1 — https://japanlaw.org/en/installment-sales-act/art-2/par-3/item-1 · https://japanlaw.org/l/336AC0000000159/art-2/par-3/item-1 - art-35-16/par-1/item-2: この項 → 割賦販売法 第三十五条の十六第一項 (Article 35-16, paragraph (1)), art-35-16/par-1 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1 - art-35-16/par-1/item-2: 第三十五条の十七の二 → 割賦販売法 第三十五条の十七の二 (Article 35-17-2), art-35-17-2 — https://japanlaw.org/en/installment-sales-act/art-35-17-2 · https://japanlaw.org/l/336AC0000000159/art-35-17-2 - art-35-16/par-1/item-3: 次号 → 割賦販売法 第三十五条の十六第一項第四号 (Article 35-16, paragraph (1), item (iv)), art-35-16/par-1/item-4 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-4 - art-35-16/par-1/item-5: この項 → 割賦販売法 第三十五条の十六第一項 (Article 35-16, paragraph (1)), art-35-16/par-1 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1 - art-35-16/par-1/item-6: 前号 → 割賦販売法 第三十五条の十六第一項第五号 (Article 35-16, paragraph (1), item (v)), art-35-16/par-1/item-5 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-5 - art-35-16/par-1/item-7: 第三号から前号まで → 割賦販売法 第三十五条の十六第一項第三号 (Article 35-16, paragraph (1), item (iii)), art-35-16/par-1/item-3 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-3 - art-35-16/par-1/item-7: 第三号から前号まで → 割賦販売法 第三十五条の十六第一項第四号 (Article 35-16, paragraph (1), item (iv)), art-35-16/par-1/item-4 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-4 - art-35-16/par-1/item-7: 第三号から前号まで → 割賦販売法 第三十五条の十六第一項第五号 (Article 35-16, paragraph (1), item (v)), art-35-16/par-1/item-5 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-5 - art-35-16/par-1/item-7: 第三号から前号まで → 割賦販売法 第三十五条の十六第一項第六号 (Article 35-16, paragraph (1), item (vi)), art-35-16/par-1/item-6 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-6 - art-35-16/par-2: 前項 → 割賦販売法 第三十五条の十六第一項 (Article 35-16, paragraph (1)), art-35-16/par-1 — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1 ## Cited by 13 provisions cite this one. No official source publishes this direction. - 割賦販売法 第二条第三項第一号（定義） — https://japanlaw.org/en/installment-sales-act/art-2/par-3/item-1 · https://japanlaw.org/l/336AC0000000159/art-2/par-3/item-1 - 割賦販売法 第三十三条の二第一項第十一号（登録の拒否） — https://japanlaw.org/en/installment-sales-act/art-33-2/par-1/item-11 · https://japanlaw.org/l/336AC0000000159/art-33-2/par-1/item-11 - 割賦販売法 第三十五条の二の十一第一項第十号（登録の拒否） — https://japanlaw.org/en/installment-sales-act/art-35-2-11/par-1/item-10 · https://japanlaw.org/l/336AC0000000159/art-35-2-11/par-1/item-10 - 割賦販売法 第三十五条の十六第一項第二号（クレジットカード番号等の適切な管理） — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-2 - 割賦販売法 第三十五条の十六第一項第三号（クレジットカード番号等の適切な管理） — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-3 - 割賦販売法 第三十五条の十六第一項第五号（クレジットカード番号等の適切な管理） — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-5 - 割賦販売法 第三十五条の十六第一項第六号（クレジットカード番号等の適切な管理） — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-6 - 割賦販売法 第三十五条の十六第一項第七号（クレジットカード番号等の適切な管理） — https://japanlaw.org/en/installment-sales-act/art-35-16/par-1/item-7 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-7 - 割賦販売法 第三十五条の十六第二項（クレジットカード番号等の適切な管理） — https://japanlaw.org/en/installment-sales-act/art-35-16/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-2 - 割賦販売法 第三十五条の十七第一項（改善命令） — https://japanlaw.org/en/installment-sales-act/art-35-17/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-17/par-1 - 割賦販売法 第三十五条の十七の八第二項（クレジットカード番号等取扱契約締結事業者の調査等） — https://japanlaw.org/en/installment-sales-act/art-35-17-8/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-17-8/par-2 - 割賦販売法 第三十五条の十七の八第四項（クレジットカード番号等取扱契約締結事業者の調査等） — https://japanlaw.org/en/installment-sales-act/art-35-17-8/par-4 · https://japanlaw.org/l/336AC0000000159/art-35-17-8/par-4 - 割賦販売法 第三十五条の十八第一項（認定割賦販売協会の認定及び業務） — https://japanlaw.org/en/installment-sales-act/art-35-18/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1 --- ## 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 35-16, paragraph (3) — 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 - claude-sonnet-5-5 — Machine translation, batch installment-sales-act-20261102T230407-001, translated 2026-11-03 - This site's parser, version 220 — 割賦販売法 — structure, counts, cross-references and defined terms, computed 2026-11-02