# 割賦販売法 / Installment Sales Act — 第三十五条の十八 (Article 35-18)

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- 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: 第三十五条の十八 (Article 35-18)（認定割賦販売協会の認定及び業務） — address `art-35-18`
- Text in force since: 2025-06-01
- URL (the page that opens at this provision): https://japanlaw.org/ja/installment-sales-act/art-35-18
- Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-35-18
- 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.

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### 第三十五条の十八（認定割賦販売協会の認定及び業務） — (Certification and Services of a Certified Installment Sales Association)
<sup>caption: Ministry of Justice translation — Japanese Law Translation Database System</sup>
<sup>art-35-18 · https://japanlaw.org/ja/installment-sales-act/art-35-18 · https://japanlaw.org/l/336AC0000000159/art-35-18</sup>

**第一項**  経済産業大臣は、政令で定めるところにより、割賦販売業者、ローン提携販売業者、包括信用購入あつせん業者、個別信用購入あつせん業者、クレジットカード等購入あつせん業者（包括信用購入あつせん業者を除く。）、第三十五条の十六第一項第三号から第七号までに掲げる者又はクレジットカード番号等取扱契約締結事業者（以下この章において「割賦販売業者等」と総称する。）が設立した一般社団法人であつて、次に掲げる要件に該当すると認められるものを、その申請により、次項に規定する業務（以下「認定業務」という。）を行う者として認定することができる。
<sup>art-35-18/par-1 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1</sup>
At the application of a general incorporated association that installment sellers, loan-affiliated installment sellers, comprehensive credit purchase intermediaries, individual credit purchase intermediaries, credit card purchase intermediaries (excluding comprehensive credit purchase intermediaries), persons listed in Article 35-16, paragraph (1), items (iii) through (vii), or businesses that have contracts for handling credit card numbers (collectively referred to below as "installment sellers, etc." in this Chapter) have incorporated and that is found to fall under the following requirements, the Minister of Economy, Trade and Industry may certify that general incorporated association as a person that performs the services prescribed in the following paragraph (referred to below as "certified services"), pursuant to the provisions of Cabinet Order:
<sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **一**  割賦販売、ローン提携販売、包括信用購入あつせん又は個別信用購入あつせんに係る取引（以下この章において「割賦販売等に係る取引」という。）の健全な発達及び利用者（第二条第一項第二号に規定する利用者及び同条第三項第一号に規定する利用者をいう。）又は購入者若しくは役務の提供を受ける者（以下この章において「利用者等」という。）の利益の保護に資することを目的とすること。
  <sup>art-35-18/par-1/item-1 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1/item-1</sup>
  a general incorporated association whose purpose is contributing to the sound development of dealings in installment sales, loan-affiliated installment sales, the intermediation of comprehensive credit purchases, or the intermediation of individual credit purchases (referred to below as "dealings in installment sales, etc." in this Chapter) and contributing to protecting the interests of users (meaning users as prescribed in Article 2, paragraph (1), item (ii) and users as prescribed in paragraph (3), item (i) of that Article), purchasers, or service recipients (referred to below as "users, etc." in this Chapter);
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **二**  割賦販売業者等を社員とする旨の定款の定めがあること。
  <sup>art-35-18/par-1/item-2 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1/item-2</sup>
  a general incorporated association with a provision in its articles of incorporation indicating that installment sellers, etc. are its members;
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **三**  次項に規定する業務を適正かつ確実に行うに必要な業務の実施の方法を定めているものであること。
  <sup>art-35-18/par-1/item-3 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1/item-3</sup>
  a general incorporated association that provides the means of implementing the necessary services to allow the services prescribed in the following paragraph to be performed properly and reliably; and
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **四**  次項に規定する業務を適正かつ確実に行うに足りる知識及び能力並びに財産的基礎を有するものであること。
  <sup>art-35-18/par-1/item-4 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1/item-4</sup>
  a general incorporated association that has the sufficient knowledge, ability, and financial basis to perform the services prescribed in the following paragraph properly and reliably.
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

**第二項**  前項の規定により認定された一般社団法人（以下「認定割賦販売協会」という。）は、次に掲げる業務を行うものとする。
<sup>art-35-18/par-2 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2</sup>
A general incorporated association that is certified pursuant to the provisions of the preceding paragraph (referred to below as a "certified installment sales association") is to perform the following services:
<sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **一**  割賦販売等に係る取引の公正の確保及びクレジットカード番号等の適切な管理等を図るために必要な規則の制定
  <sup>art-35-18/par-2/item-1 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-1</sup>
  enactment of the necessary rules for ensuring fair dealings in installment sales, etc. and for achieving the proper management of credit card numbers;
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **二**  会員のこの法律の規定若しくはこの法律に基づく命令若しくはこれらに基づく処分又は前号の規則の遵守の状況の調査
  <sup>art-35-18/par-2/item-2 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-2</sup>
  investigation of members' compliance with the provisions of this Act, orders that are based on this Act, dispositions that are based on this Act or on such an order, and the rules referred to in the preceding item;
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **三**  会員にこの法律の規定若しくはこの法律に基づく命令又は第一号の規則を遵守させるための会員に対する指導又は勧告その他の業務
  <sup>art-35-18/par-2/item-3 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-3</sup>
  instructions and recommendations to members and other services for promoting member compliance with the provisions of this Act, orders based on this Act, or the rules referred to in item (i);
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **四**  利用者等の利益を保護するために必要な情報の収集、整理及び提供
  <sup>art-35-18/par-2/item-4 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-4</sup>
  the collection, updating, and provision of information that is necessary for protecting the interests of users, etc.;
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **五**  会員の行う業務に関する利用者等からの苦情の処理
  <sup>art-35-18/par-2/item-5 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-5</sup>
  the processing of complaints from users, etc. concerning the services that the members perform;
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **六**  利用者等に対する広報その他認定割賦販売協会の目的を達成するため必要な業務
  <sup>art-35-18/par-2/item-6 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-6</sup>
  public relations aimed at users, etc. and other services that are necessary in order for the purpose of the certified installment sales association to be achieved; and
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **七**  前各号に掲げるもののほか、クレジットカード番号等の適切な管理等に資する業務
  <sup>art-35-18/par-2/item-7 · https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-7 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-7</sup>
  the services that contribute to the proper management of credit card numbers, beyond what is stated in the preceding items.
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

---

## Cites
- art-35-18/par-1: 第三十五条の十六第一項第三号から第七号まで → 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/ja/installment-sales-act/art-35-16/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-3
- art-35-18/par-1: 第三十五条の十六第一項第三号から第七号まで → 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/ja/installment-sales-act/art-35-16/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-4
- art-35-18/par-1: 第三十五条の十六第一項第三号から第七号まで → 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/ja/installment-sales-act/art-35-16/par-1/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-5
- art-35-18/par-1: 第三十五条の十六第一項第三号から第七号まで → 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/ja/installment-sales-act/art-35-16/par-1/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-6
- art-35-18/par-1: 第三十五条の十六第一項第三号から第七号まで → 割賦販売法 第三十五条の十六第一項第七号 (Article 35-16, paragraph (1), item (vii)), art-35-16/par-1/item-7 — https://japanlaw.org/ja/installment-sales-act/art-35-16/par-1/item-7 · https://japanlaw.org/l/336AC0000000159/art-35-16/par-1/item-7
- art-35-18/par-1: 次項 → 割賦販売法 第三十五条の十八第二項 (Article 35-18, paragraph (2)), art-35-18/par-2 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2
- art-35-18/par-1/item-1: 第二条第一項第二号 → 割賦販売法 第二条第一項第二号 (Article 2, paragraph (1), item (ii)), art-2/par-1/item-2 — https://japanlaw.org/ja/installment-sales-act/art-2/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-2/par-1/item-2
- art-35-18/par-1/item-1: 同条第三項第一号 → 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/ja/installment-sales-act/art-2/par-3/item-1 · https://japanlaw.org/l/336AC0000000159/art-2/par-3/item-1
- art-35-18/par-1/item-3: 次項 → 割賦販売法 第三十五条の十八第二項 (Article 35-18, paragraph (2)), art-35-18/par-2 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2
- art-35-18/par-1/item-4: 次項 → 割賦販売法 第三十五条の十八第二項 (Article 35-18, paragraph (2)), art-35-18/par-2 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2
- art-35-18/par-2: 前項 → 割賦販売法 第三十五条の十八第一項 (Article 35-18, paragraph (1)), art-35-18/par-1 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1
- art-35-18/par-2/item-2: 前号 → 割賦販売法 第三十五条の十八第二項第一号 (Article 35-18, paragraph (2), item (i)), art-35-18/par-2/item-1 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-1
- art-35-18/par-2/item-3: 第一号 → 割賦販売法 第三十五条の十八第二項第一号 (Article 35-18, paragraph (2), item (i)), art-35-18/par-2/item-1 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-1
- art-35-18/par-2/item-7: 前各号 → 割賦販売法 第三十五条の十八第二項第一号 (Article 35-18, paragraph (2), item (i)), art-35-18/par-2/item-1 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-1
- art-35-18/par-2/item-7: 前各号 → 割賦販売法 第三十五条の十八第二項第二号 (Article 35-18, paragraph (2), item (ii)), art-35-18/par-2/item-2 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-2
- art-35-18/par-2/item-7: 前各号 → 割賦販売法 第三十五条の十八第二項第三号 (Article 35-18, paragraph (2), item (iii)), art-35-18/par-2/item-3 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-3
- art-35-18/par-2/item-7: 前各号 → 割賦販売法 第三十五条の十八第二項第四号 (Article 35-18, paragraph (2), item (iv)), art-35-18/par-2/item-4 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-4
- art-35-18/par-2/item-7: 前各号 → 割賦販売法 第三十五条の十八第二項第五号 (Article 35-18, paragraph (2), item (v)), art-35-18/par-2/item-5 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-5 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-5
- art-35-18/par-2/item-7: 前各号 → 割賦販売法 第三十五条の十八第二項第六号 (Article 35-18, paragraph (2), item (vi)), art-35-18/par-2/item-6 — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-6 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-6

## Cited by

9 provisions cite this one. No official source publishes this direction.

- 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/ja/installment-sales-act/art-35-18/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1
- 割賦販売法 第三十五条の十八第一項第三号（認定割賦販売協会の認定及び業務） — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1/item-3
- 割賦販売法 第三十五条の十八第一項第四号（認定割賦販売協会の認定及び業務） — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-1/item-4 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-1/item-4
- 割賦販売法 第三十五条の十八第二項（認定割賦販売協会の認定及び業務） — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2
- 割賦販売法 第三十五条の十八第二項第二号（認定割賦販売協会の認定及び業務） — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-2 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-2
- 割賦販売法 第三十五条の十八第二項第三号（認定割賦販売協会の認定及び業務） — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-3 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-3
- 割賦販売法 第三十五条の十八第二項第七号（認定割賦販売協会の認定及び業務） — https://japanlaw.org/ja/installment-sales-act/art-35-18/par-2/item-7 · https://japanlaw.org/l/336AC0000000159/art-35-18/par-2/item-7
- 割賦販売法 第三十五条の二十三第一項（定款の必要的記載事項） — https://japanlaw.org/ja/installment-sales-act/art-35-23/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-23/par-1
- 割賦販売法 附則第九条第一項（認定割賦販売協会の認定に関する経過措置） — https://japanlaw.org/ja/installment-sales-act/suppl-4281-99/art-9/par-1 · https://japanlaw.org/l/336AC0000000159/suppl-4281-99/art-9/par-1

---

## 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