# 割賦販売法 / Installment Sales Act — 第三十五条の三の四 (Article 35-3-4) This is the Markdown twin of https://japanlaw.org/en/installment-sales-act/art-35-3-4. 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: 第三十五条の三の四 (Article 35-3-4)（個別支払可能見込額を超える場合の個別信用購入あつせん関係受領契約の締結の禁止） — address `art-35-3-4` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/en/installment-sales-act/art-35-3-4 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-35-3-4 - 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. --- ### 第三十五条の三の四（個別支払可能見込額を超える場合の個別信用購入あつせん関係受領契約の締結の禁止） — (Prohibition on the Conclusion of a Contract Providing the Receipt of Monies Subject to the Intermediation of Individual Credit Purchases in Excess of the Individual Purchase Amount Projected to Be Affordable) caption: Ministry of Justice translation — Japanese Law Translation Database System art-35-3-4 · https://japanlaw.org/en/installment-sales-act/art-35-3-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-4 **第一項** 個別信用購入あつせん業者は、個別信用購入あつせん関係受領契約を締結しようとする場合において、購入者又は役務の提供を受ける者の支払総額のうち一年間に支払うこととなる額が、前条第一項本文の規定による調査により得られた事項を基礎として算定した個別支払可能見込額を超えるときは、当該個別信用購入あつせん関係受領契約を締結してはならない。ただし、当該購入者又は当該役務の提供を受ける者の保護に支障を生ずることがない場合として経済産業省令・内閣府令で定める場合は、この限りでない。 art-35-3-4/par-1 · https://japanlaw.org/en/installment-sales-act/art-35-3-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-4/par-1 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. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-35-3-4/par-1: 前条第一項 → 割賦販売法 第三十五条の三の三第一項 (Article 35-3-3, paragraph (1)), art-35-3-3/par-1 — https://japanlaw.org/en/installment-sales-act/art-35-3-3/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-1 ## Cited by 6 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 第三十五条の三の二十一第一項（改善命令） — https://japanlaw.org/en/installment-sales-act/art-35-3-21/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-21/par-1 - 割賦販売法 第三十五条の三の二十一第二項（改善命令） — https://japanlaw.org/en/installment-sales-act/art-35-3-21/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-21/par-2 - 割賦販売法 第三十五条の三の二十一第三項（改善命令） — https://japanlaw.org/en/installment-sales-act/art-35-3-21/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-21/par-3 - 割賦販売法 第三十五条の三の三十二第三項（登録の取消し等） — https://japanlaw.org/en/installment-sales-act/art-35-3-32/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-32/par-3 - 割賦販売法 第四十条第四項（報告の徴収） — https://japanlaw.org/en/installment-sales-act/art-40/par-4 · https://japanlaw.org/l/336AC0000000159/art-40/par-4 --- ## Sources - 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 — 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