# 割賦販売法 / Installment Sales Act — 第三十五条の三の三 (Article 35-3-3) This is the Markdown twin of https://japanlaw.org/ja/installment-sales-act/art-35-3-3. 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: 第三十五条の三の三 (Article 35-3-3)（個別支払可能見込額の調査） — address `art-35-3-3` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/installment-sales-act/art-35-3-3 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-35-3-3 - 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. --- ### 第三十五条の三の三（個別支払可能見込額の調査） — (Investigation of the Individual Purchase Amount Projected to Be Affordable) caption: Ministry of Justice translation — Japanese Law Translation Database System art-35-3-3 · https://japanlaw.org/ja/installment-sales-act/art-35-3-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-3 **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に係る購入又は受領の方法により購入される商品若しくは指定権利の代金又は受領される役務の対価に相当する額の受領に係る契約（以下「個別信用購入あつせん関係受領契約」という。）を締結しようとする場合には、その契約の締結に先立つて、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、信用購入あつせんに係る債務の支払の状況、借入れの状況その他の当該購入者又は当該役務の提供を受ける者の個別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-35-3-3/par-1 · https://japanlaw.org/ja/installment-sales-act/art-35-3-3/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-1 Before an individual credit purchase intermediary seeks to conclude a contract under which an amount of money will be received that corresponds to the cost of goods or designated rights purchased or consideration for services received in a way that involves the intermediation of individual credit purchases (the contract is referred to below as a "contract providing the receipt of monies subject to the intermediation of individual credit purchases"), it 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 connected with the intermediation of credit purchases, loan status, and other necessary matters relevant to the calculation of the individual purchase amount projected to be affordable for that purchaser or service recipient, 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 purchaser or service recipient. Ministry of Justice translation — Japanese Law Translation Database System **第二項** この節において「個別支払可能見込額」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、生活維持費に充てるべき金銭を使用することなく、購入者又は役務の提供を受ける者が個別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-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 The "individual purchase amount projected to be affordable" as used in this Section means the projected amount that a purchaser or service recipient can allocate in a year for payment of the amount that corresponds to the cost of goods or designated rights that a purchaser seeks to purchase or consideration for services that a service recipient seeks to receive in a way that involves the intermediation of individual credit purchases, without transferring or pledging as collateral the home that the purchaser or service recipient 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 purchaser or service recipient. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 個別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、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-35-3-3/par-3 · https://japanlaw.org/ja/installment-sales-act/art-35-3-3/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-3 When an individual credit purchase intermediary performs an investigation pursuant to the provisions of the main clause of paragraph (1), it must use the specified credit information held by a designated credit bureau. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 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-35-3-3/par-4 · https://japanlaw.org/ja/installment-sales-act/art-35-3-3/par-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-4 When an individual credit purchase intermediary concludes a contract providing the receipt of monies subject to the intermediation of individual credit purchases, the individual credit purchase intermediary must prepare and archive a record of the investigation under 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-35-3-3/par-3: 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/ja/installment-sales-act/art-35-3-3/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-1 - art-35-3-3/par-4: 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/ja/installment-sales-act/art-35-3-3/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-1 ## Cited by 16 provisions cite this one. No official source publishes this direction. - 割賦販売法 第三十条の二第二項（包括支払可能見込額の調査） — https://japanlaw.org/ja/installment-sales-act/art-30-2/par-2 · https://japanlaw.org/l/336AC0000000159/art-30-2/par-2 - 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 第三十五条の三の三第三項（個別支払可能見込額の調査） — https://japanlaw.org/ja/installment-sales-act/art-35-3-3/par-3 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-3 - 割賦販売法 第三十五条の三の三第四項（個別支払可能見込額の調査） — https://japanlaw.org/ja/installment-sales-act/art-35-3-3/par-4 · https://japanlaw.org/l/336AC0000000159/art-35-3-3/par-4 - 割賦販売法 第三十五条の三の四第一項（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） — https://japanlaw.org/ja/installment-sales-act/art-35-3-4/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-4/par-1 - 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/ja/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/ja/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/ja/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 第三十五条の三の二十六第一項第九号（登録の拒否） — https://japanlaw.org/ja/installment-sales-act/art-35-3-26/par-1/item-9 · https://japanlaw.org/l/336AC0000000159/art-35-3-26/par-1/item-9 - 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/ja/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 附則第五条第十一項（割賦販売法の一部改正に伴う経過措置） — https://japanlaw.org/ja/installment-sales-act/suppl-4201-74/art-5/par-11 · https://japanlaw.org/l/336AC0000000159/suppl-4201-74/art-5/par-11 - 割賦販売法 附則第七条第一項（個別信用購入あっせん関係受領契約の申込み又はその承諾の意思表示の取消しに関する経過措置） — https://japanlaw.org/ja/installment-sales-act/suppl-4281-99/art-7/par-1 · https://japanlaw.org/l/336AC0000000159/suppl-4281-99/art-7/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