# 割賦販売法 / Installment Sales Act — 第三十条の二 (Article 30-2) This is the Markdown twin of https://japanlaw.org/ja/installment-sales-act/art-30-2. 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: 第三十条の二 (Article 30-2)（包括支払可能見込額の調査） — address `art-30-2` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/installment-sales-act/art-30-2 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-30-2 - 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. --- ### 第三十条の二（包括支払可能見込額の調査） — (Investigation into the Comprehensive Purchase Amount Projected to Be Affordable) caption: Ministry of Justice translation — Japanese Law Translation Database System art-30-2 · https://japanlaw.org/ja/installment-sales-act/art-30-2 · https://japanlaw.org/l/336AC0000000159/art-30-2 **第一項** 包括信用購入あつせん業者は、包括信用購入あつせんをするためカード等を利用者（個人である利用者に限る。以下この条、次条、第三十条の五の五、第三十条の五の六、第三十五条の二の四、第三十五条の二の五及び第三節において同じ。）に交付し若しくは付与しようとする場合又は利用者に交付し若しくは付与したカード等についてそれに係る極度額（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商品若しくは権利を購入し、又は役務を受領することができる額の上限であつて、あらかじめ定められたものをいう。以下同じ。）を増額しようとする場合には、その交付若しくは付与又はその増額に先立つて、経済産業省令・内閣府令で定めるところにより、年収、預貯金、信用購入あつせん（包括信用購入あつせん及び個別信用購入あつせんをいう。以下同じ。）に係る債務の支払の状況、借入れの状況その他の当該利用者の包括支払可能見込額を算定するために必要な事項として経済産業省令・内閣府令で定めるものを調査しなければならない。ただし、当該利用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-30-2/par-1 · https://japanlaw.org/ja/installment-sales-act/art-30-2/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-1 When a comprehensive credit purchase intermediary seeks to issue or grant a card, etc. to a user (limited to a user that is an individual; the same applies below in this Article, the following Article, Article 30-5-5, Article 30-5-6, Article 35-2-4, Article 35-2-5 and Section 3) in order to effect the intermediation of comprehensive credit purchases, or seeks to increase the credit line on a card, etc. it has issued or granted to a user (a credit line means the maximum amount of goods or rights the user can purchase or services the user can receive in a way that involves the intermediation of comprehensive credit purchases, and is specified in advance; the same applies below), the comprehensive credit purchase intermediary must investigate, pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, the annual income, balance of deposits and savings, payment status of obligations that involve the intermediation of credit purchases (meaning the intermediation of comprehensive credit purchases and the intermediation of individual credit purchases; the same applies below), loan status, and other necessary matters relevant to the calculation of the comprehensive purchase amount projected to be affordable to the user as specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; provided, however, that this does not apply in 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 user. Ministry of Justice translation — Japanese Law Translation Database System **第二項** この節において「包括支払可能見込額」とは、主として自己の居住の用に供する住宅その他の経済産業省令・内閣府令で定める資産を譲渡し、又は担保に供することなく、かつ、生活維持費（最低限度の生活を維持するために必要な一年分の費用として経済産業省令・内閣府令で定める額をいう。第三十五条の三の三において同じ。）に充てるべき金銭を使用することなく、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一年間当たりの額をいう。 art-30-2/par-2 · https://japanlaw.org/ja/installment-sales-act/art-30-2/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-2 The "comprehensive purchase amount projected to be affordable" as used in this Section means the projected amount that a user can allocate in a year 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 comprehensive credit purchases, without transferring or pledging as collateral the home that the user principally uses as a residence or other assets specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order, and without using money that should be allocated to the living expenses of the user (meaning the amount specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order as the annual cost that is necessary for maintaining the minimum standards of living; the same applies in Article 35-3-3). Ministry of Justice translation — Japanese Law Translation Database System **第三項** 包括信用購入あつせん業者は、第一項本文の規定による調査を行うときは、第三十五条の三の三十六第一項の規定による指定を受けた者（以下「指定信用情報機関」という。）が保有する特定信用情報（利用者又は購入者（個人である購入者に限る。以下この項、第三十五条の三の三、第三十五条の三の四及び第三節において同じ。）若しくは役務の提供を受ける者（個人である役務の提供を受ける者に限る。以下この項、第三十五条の三の三、第三十五条の三の四及び同節において同じ。）の包括支払可能見込額、第三十条の五の四第一項に規定する利用者支払可能見込額又は第三十五条の三の三第二項に規定する個別支払可能見込額に関する情報（当該利用者又は購入者若しくは役務の提供を受ける者を識別することができる情報を含む。）のうち、信用購入あつせんに係る債務の支払の状況その他経済産業省令・内閣府令で定めるものをいう。以下同じ。）を使用しなければならない。 art-30-2/par-3 · https://japanlaw.org/ja/installment-sales-act/art-30-2/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-3 When a comprehensive credit purchase intermediary performs an investigation pursuant to the provisions of the main clause of paragraph (1), it must use specified credit information (meaning information about the comprehensive purchase amount projected to be affordable, the user purchase amount projected to be affordable as prescribed in Article 30-5-4, paragraph (1) or the individual purchase amount projected to be affordable as prescribed in Article 35-3-3, paragraph (2) for a user, or for a purchaser (limited to an individual purchaser; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and Section 3) or service recipient (limited to an individual service recipient; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and that Section) (including information that can be used to distinguish the user, purchaser, or service recipient) which concerns the payment status of obligations from the intermediation of credit purchases and other information specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; the same applies below) that is held by a person with a designation under the provisions of Article 35-3-36, paragraph (1) (referred to below as the "designated credit bureau"). 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 performs an investigation pursuant to the provisions of the main clause of paragraph (1), it must use specified credit information (meaning information about the comprehensive purchase amount projected to be affordable, the user purchase amount projected to be affordable as prescribed in Article 30-5-4, paragraph (1) or the individual purchase amount projected to be affordable as prescribed in Article 35-3-3, paragraph (2) for a user, or for a purchaser (limited to an individual purchaser; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and Section 3) or service recipient (limited an individual service recipient; the same applies below in this paragraph, Article 35-3-3, Article 35-3-4, and that Section) (including information that can be used to distinguish the user, purchaser, or service recipient) which concerns the payment status of obligations from the intermediation of credit purchases and other information specified by Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order; the same applies below) that is held by a person with a designation under the provisions of Article 35-3-36, paragraph (1) (referred to below as the "designated credit bureau")." — https://www.japaneselawtranslation.go.jp/en/laws/view/4837/tb **第四項** 包括信用購入あつせん業者は、包括信用購入あつせんをするためカード等を利用者に交付し若しくは付与した場合又は利用者に交付し若しくは付与したカード等についてそれに係る極度額を増額した場合には、経済産業省令・内閣府令で定めるところにより、第一項本文の規定による調査に関する記録を作成し、これを保存しなければならない。 art-30-2/par-4 · https://japanlaw.org/ja/installment-sales-act/art-30-2/par-4 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-4 When a comprehensive credit purchase intermediary issues or grants a card, etc. to a user in order to effect the intermediation of comprehensive credit purchases, or increases the credit line on a card, etc. it has issued or granted to a user, the comprehensive credit purchase intermediary must record and archive the results of the investigation under the provisions of the main clause of paragraph (1), pursuant to the provisions of Order of the Ministry of Economy, Trade and Industry and Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-30-2/par-1: この条 → 割賦販売法 第三十条の二 (Article 30-2), art-30-2 — https://japanlaw.org/ja/installment-sales-act/art-30-2 · https://japanlaw.org/l/336AC0000000159/art-30-2 - art-30-2/par-1: 次条 → 割賦販売法 第三十条の二の二 (Article 30-2-2), art-30-2-2 — https://japanlaw.org/ja/installment-sales-act/art-30-2-2 · https://japanlaw.org/l/336AC0000000159/art-30-2-2 - art-30-2/par-1: 第三十条の五の五 → 割賦販売法 第三十条の五の五 (Article 30-5-5), art-30-5-5 — https://japanlaw.org/ja/installment-sales-act/art-30-5-5 · https://japanlaw.org/l/336AC0000000159/art-30-5-5 - art-30-2/par-1: 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/ja/installment-sales-act/art-30-5-6 · https://japanlaw.org/l/336AC0000000159/art-30-5-6 - art-30-2/par-1: 第三十五条の二の四 → 割賦販売法 第三十五条の二の四 (Article 35-2-4), art-35-2-4 — https://japanlaw.org/ja/installment-sales-act/art-35-2-4 · https://japanlaw.org/l/336AC0000000159/art-35-2-4 - art-30-2/par-1: 第三十五条の二の五 → 割賦販売法 第三十五条の二の五 (Article 35-2-5), art-35-2-5 — https://japanlaw.org/ja/installment-sales-act/art-35-2-5 · https://japanlaw.org/l/336AC0000000159/art-35-2-5 - art-30-2/par-2: 第三十五条の三の三 → 割賦販売法 第三十五条の三の三 (Article 35-3-3), art-35-3-3 — https://japanlaw.org/ja/installment-sales-act/art-35-3-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-3 - art-30-2/par-3: 第一項 → 割賦販売法 第三十条の二第一項 (Article 30-2, paragraph (1)), art-30-2/par-1 — https://japanlaw.org/ja/installment-sales-act/art-30-2/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-1 - art-30-2/par-3: 第三十五条の三の三十六第一項 → 割賦販売法 第三十五条の三の三十六第一項 (Article 35-3-36, paragraph (1)), art-35-3-36/par-1 — https://japanlaw.org/ja/installment-sales-act/art-35-3-36/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-36/par-1 - art-30-2/par-3: この項 → 割賦販売法 第三十条の二第三項 (Article 30-2, paragraph (3)), art-30-2/par-3 — https://japanlaw.org/ja/installment-sales-act/art-30-2/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-3 - art-30-2/par-3: 第三十五条の三の三 → 割賦販売法 第三十五条の三の三 (Article 35-3-3), art-35-3-3 — https://japanlaw.org/ja/installment-sales-act/art-35-3-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-3 - art-30-2/par-3: 第三十五条の三の四 → 割賦販売法 第三十五条の三の四 (Article 35-3-4), art-35-3-4 — https://japanlaw.org/ja/installment-sales-act/art-35-3-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-4 - art-30-2/par-3: 第三十条の五の四第一項 → 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/ja/installment-sales-act/art-30-5-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1 - art-30-2/par-3: 第三十五条の三の三第二項 → 割賦販売法 第三十五条の三の三第二項 (Article 35-3-3, paragraph (2)), art-35-3-3/par-2 — https://japanlaw.org/ja/installment-sales-act/art-35-3-3/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-2 - art-30-2/par-4: 第一項 → 割賦販売法 第三十条の二第一項 (Article 30-2, paragraph (1)), art-30-2/par-1 — https://japanlaw.org/ja/installment-sales-act/art-30-2/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-1 ## Cited by 18 provisions cite this one. No official source publishes this direction. - 割賦販売法 第三十条の二第一項（包括支払可能見込額の調査） — https://japanlaw.org/ja/installment-sales-act/art-30-2/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-1 - 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/ja/installment-sales-act/art-30-2/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-3 - 割賦販売法 第三十条の二第四項（包括支払可能見込額の調査） — https://japanlaw.org/ja/installment-sales-act/art-30-2/par-4 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-4 - 割賦販売法 第三十条の二の二第一項（包括支払可能見込額を超える場合のカード等の交付等の禁止） — https://japanlaw.org/ja/installment-sales-act/art-30-2-2/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-2-2/par-1 - 割賦販売法 第三十条の五の三第一項（改善命令） — https://japanlaw.org/ja/installment-sales-act/art-30-5-3/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-3/par-1 - 割賦販売法 第三十条の五の三第二項（改善命令） — https://japanlaw.org/ja/installment-sales-act/art-30-5-3/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-3/par-2 - 割賦販売法 第三十条の五の三第三項（改善命令） — https://japanlaw.org/ja/installment-sales-act/art-30-5-3/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-3/par-3 - 割賦販売法 第三十条の五の四第六項（認定包括信用購入あつせん業者） — https://japanlaw.org/ja/installment-sales-act/art-30-5-4/par-6 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-6 - 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/ja/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 第三十四条第一項（改善命令） — https://japanlaw.org/ja/installment-sales-act/art-34/par-1 · https://japanlaw.org/l/336AC0000000159/art-34/par-1 - 割賦販売法 第三十四条の二第三項（登録の取消し等） — https://japanlaw.org/ja/installment-sales-act/art-34-2/par-3 · https://japanlaw.org/l/336AC0000000159/art-34-2/par-3 - 割賦販売法 第三十五条の二の三第二項（登録） — https://japanlaw.org/ja/installment-sales-act/art-35-2-3/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-2-3/par-2 - 割賦販売法 第三十五条の三第一項（準用規定） — https://japanlaw.org/ja/installment-sales-act/art-35-3/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3/par-1 - 割賦販売法 第三十五条の三の四十六第一項（加入包括信用購入あつせん業者及び加入個別信用購入あつせん業者に対する監督） — https://japanlaw.org/ja/installment-sales-act/art-35-3-46/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-46/par-1 - 割賦販売法 第三十五条の三の五十三第三項（特定信用情報提供等業務の休廃止） — https://japanlaw.org/ja/installment-sales-act/art-35-3-53/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-53/par-3 - 割賦販売法 第四十条第四項（報告の徴収） — https://japanlaw.org/ja/installment-sales-act/art-40/par-4 · https://japanlaw.org/l/336AC0000000159/art-40/par-4 - 割賦販売法 第五十三条第一項第五号 — https://japanlaw.org/ja/installment-sales-act/art-53/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-53/par-1/item-5 - 割賦販売法 附則第二項（経過措置） — https://japanlaw.org/ja/installment-sales-act/suppl-3591-49/par-2 · https://japanlaw.org/l/336AC0000000159/suppl-3591-49/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 30-2, 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 - This site's parser, version 220 — 割賦販売法 — structure, counts, cross-references and defined terms, computed 2026-11-02