# 割賦販売法 / Installment Sales Act — 第三十条の五の五 (Article 30-5-5) This is the Markdown twin of https://japanlaw.org/ja/installment-sales-act/art-30-5-5. 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: 第三十条の五の五 (Article 30-5-5)（利用者支払可能見込額の算定） — address `art-30-5-5` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/installment-sales-act/art-30-5-5 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-30-5-5 - 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. --- ### 第三十条の五の五（利用者支払可能見込額の算定） — (Calculation of User Purchase Amount Projected to Be Affordable) caption: Ministry of Justice translation — Japanese Law Translation Database System art-30-5-5 · https://japanlaw.org/ja/installment-sales-act/art-30-5-5 · https://japanlaw.org/l/336AC0000000159/art-30-5-5 **第一項** 認定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、前条第一項の認定に係る同項第一号の方法により利用者支払可能見込額を算定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-30-5-5/par-1 · https://japanlaw.org/ja/installment-sales-act/art-30-5-5/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-1 When a certified comprehensive credit purchase intermediary seeks to issue or grant a card, etc. to a user 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, the certified comprehensive credit purchase intermediary must calculate the user purchase amount projected to be affordable by the method stated in the preceding Article, paragraph (1), item (i) related to certification under that paragraph, before the issuance, granting or increase; 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** 認定包括信用購入あつせん業者は、利用者支払可能見込額を算定するために必要な事項の調査を行うときは、指定信用情報機関が保有する特定信用情報を使用しなければならない。 art-30-5-5/par-2 · https://japanlaw.org/ja/installment-sales-act/art-30-5-5/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-2 When a certified comprehensive credit purchase intermediary investigates necessary matters relevant to the calculation of the user purchase amount projected to be affordable, the certified comprehensive credit purchase intermediary must use specified credit information held by the designated credit bureau. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 認定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、利用者支払可能見込額の算定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-30-5-5/par-3 · https://japanlaw.org/ja/installment-sales-act/art-30-5-5/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-3 When a certified 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 certified comprehensive credit purchase intermediary must record and archive the results of calculation of the user purchase amount projected to be affordable, 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 **第四項** 認定包括信用購入あつせん業者は、経済産業省令で定めるところにより、定期的に、利用者支払可能見込額の算定の実績その他経済産業省令で定める事項を経済産業大臣に報告しなければならない。 art-30-5-5/par-4 · https://japanlaw.org/ja/installment-sales-act/art-30-5-5/par-4 · https://japanlaw.org/l/336AC0000000159/art-30-5-5/par-4 A certified comprehensive credit purchase intermediary must periodically make a report to the Minister of Economy, Trade and Industry about the results of the calculation of the user purchase amount projected to be affordable and other information specified by Order of the Ministry 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 --- ## Cites - art-30-5-5/par-1: 前条第一項 → 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-30-5-5/par-1: 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/ja/installment-sales-act/art-30-5-4/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-1/item-1 ## Cited by 10 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 第三十条の五の四第五項第三号（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-5/item-3 · https://japanlaw.org/l/336AC0000000159/art-30-5-4/par-5/item-3 - 割賦販売法 第三十条の六第一項（改善命令） — https://japanlaw.org/ja/installment-sales-act/art-30-6/par-1 · https://japanlaw.org/l/336AC0000000159/art-30-6/par-1 - 割賦販売法 第三十条の六第二項（改善命令） — https://japanlaw.org/ja/installment-sales-act/art-30-6/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-6/par-2 - 割賦販売法 第三十条の六第三項（改善命令） — https://japanlaw.org/ja/installment-sales-act/art-30-6/par-3 · https://japanlaw.org/l/336AC0000000159/art-30-6/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六号 — https://japanlaw.org/ja/installment-sales-act/art-53/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-53/par-1/item-6 --- ## 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 222 — 割賦販売法 — structure, counts, cross-references and defined terms, computed 2026-11-02