# 割賦販売法 / Installment Sales Act — 第三十九条 (Article 39) This is the Markdown twin of https://japanlaw.org/ja/installment-sales-act/art-39. 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: 第三十九条 (Article 39)（信用情報の適正な使用等） — address `art-39` - Text in force since: 2025-06-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/installment-sales-act/art-39 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/336AC0000000159/art-39 - 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. --- ### 第三十九条（信用情報の適正な使用等） — (Proper Use of Credit Information) caption: Ministry of Justice translation — Japanese Law Translation Database System art-39 · https://japanlaw.org/ja/installment-sales-act/art-39 · https://japanlaw.org/l/336AC0000000159/art-39 **第一項** 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若しくは個別信用購入あつせん業者又はこれらの役員若しくは職員は、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。以下この条において同じ。）又は購入者若しくは役務の提供を受ける者の支払能力に関する事項の調査以外の目的のために信用情報機関に信用情報の提供の依頼をし、又は信用情報機関から提供を受けた信用情報を支払能力に関する事項の調査以外の目的に使用し、若しくは第三者に提供してはならない。 art-39/par-1 · https://japanlaw.org/ja/installment-sales-act/art-39/par-1 · https://japanlaw.org/l/336AC0000000159/art-39/par-1 It is prohibited for an installment seller, loan-affiliated installment seller, comprehensive credit purchase intermediary, individual credit purchase intermediary, or the officer or employee of any of these to request a credit bureau to provide it with credit information for purposes other than an investigation into a user's (meaning a user as prescribed in Article 2, paragraph (1), item (ii) or a user as prescribed in paragraph (3), item (i) of that Article; the same applies below in this Article), purchaser's, or service recipient's ability to pay, for it to use the credit information it receives from a credit bureau for purposes other than investigating the matters of such a person's ability to pay; or for it to provide that information to a third party. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 信用情報機関は、信用情報を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に関する事項の調査以外の目的のために使用してはならない。 art-39/par-2 · https://japanlaw.org/ja/installment-sales-act/art-39/par-2 · https://japanlaw.org/l/336AC0000000159/art-39/par-2 It is prohibited for a credit bureau to use credit information for purposes other than an investigation into the matters of a user's, purchaser's, or service recipient's ability to pay. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 信用情報機関は、正確な信用情報を割賦販売業者、ローン提携販売業者、包括信用購入あつせん業者及び個別信用購入あつせん業者に提供するよう努めなければならない。 art-39/par-3 · https://japanlaw.org/ja/installment-sales-act/art-39/par-3 · https://japanlaw.org/l/336AC0000000159/art-39/par-3 A credit bureau must endeavor to provide accurate credit information to installment sellers, loan-affiliated installment sellers, comprehensive credit purchase intermediaries, and individual credit purchase intermediaries. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-39/par-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-39/par-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-39/par-1: この条 → 割賦販売法 第三十九条 (Article 39), art-39 — https://japanlaw.org/ja/installment-sales-act/art-39 · https://japanlaw.org/l/336AC0000000159/art-39 ## Cited by 2 provisions cite this one. No official source publishes this direction. - 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 - 割賦販売法 第三十九条第一項（信用情報の適正な使用等） — https://japanlaw.org/ja/installment-sales-act/art-39/par-1 · https://japanlaw.org/l/336AC0000000159/art-39/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