# 割賦販売法 / Installment Sales Act — 第三十八条 (Article 38) This is the Markdown twin of https://japanlaw.org/ja/installment-sales-act/art-38. 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: 第三十八条 (Article 38)（支払能力を超える購入等の防止） — address `art-38` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/installment-sales-act/art-38 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-38 - 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. --- ### 第三十八条（支払能力を超える購入等の防止） — (Prevention of Purchases Beyond the Ability to Pay) caption: Ministry of Justice translation — Japanese Law Translation Database System art-38 · https://japanlaw.org/ja/installment-sales-act/art-38 · https://japanlaw.org/l/336AC0000000159/art-38 **第一項** 割賦販売業者及びローン提携販売業者は、共同して設立した信用情報機関（信用情報の収集並びに割賦販売業者及びローン提携販売業者に対する信用情報の提供を業とする者をいう。以下同じ。）を利用すること等により得た正確な信用情報に基づき、それにより利用者又は購入者若しくは役務の提供を受ける者が支払うこととなる賦払金等が当該利用者又は購入者若しくは役務の提供を受ける者の支払能力を超えると認められる割賦販売又はローン提携販売を行わないよう努めなければならない。 art-38/par-1 · https://japanlaw.org/ja/installment-sales-act/art-38/par-1 · https://japanlaw.org/l/336AC0000000159/art-38/par-1 Installment sellers and loan-affiliated installment sellers must endeavor, based on correct credit information obtained using a jointly incorporated credit bureau (meaning a person that collects credit information and provides it to installment sellers and loan-affiliated installment sellers in the course of trade; the same applies below) and by other means, not to make installment sales or loan-affiliated installment sales that give rise to installment payments, etc. payable by the user, purchaser, or service recipient which are found to exceed that user's, purchaser's, or service recipient's ability to pay. Ministry of Justice translation — Japanese Law Translation Database System ## Cited by 2 provisions cite this one. No official source publishes this direction. - 割賦販売法 第二条第一項第二号（定義） — https://japanlaw.org/ja/installment-sales-act/art-2/par-1/item-2 · https://japanlaw.org/l/336AC0000000159/art-2/par-1/item-2 - 割賦販売法 第三十五条の三の四十一第一項（兼業の制限） — https://japanlaw.org/ja/installment-sales-act/art-35-3-41/par-1 · https://japanlaw.org/l/336AC0000000159/art-35-3-41/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 222 — 割賦販売法 — structure, counts, cross-references and defined terms, computed 2026-11-02