Updated: July 2025, 12

　For those who are considering obtaining the relevant license

In order to obtain permission for comprehensive credit purchase mediation business or individual credit purchase mediation business, it is necessary to apply to the Bureau of Economy, Trade and Industry, which has jurisdiction over the location of the main business office.
(Example: A business whose head office is in Tokyo will be registered with the Kanto Bureau of Economy, Trade and Industry.)

In addition, membership of the Credit Information Agency (CIC) and the Japan Credit Association is mandatory.

We provide comprehensive support for the procedures related to obtaining the relevant licenses and permits, including those related to the Bureau of Economy, Trade and Industry, the Credit Information Agency (CIC), and the Japan Credit Association.

　We fully support your application.

We provide specialized administrative procedures services to businesses that plan to operate credit purchase mediation services, as well as businesses that are already operating credit purchase brokerage services.

Support content can be customized as needed. (Basically all of the above is done.)

　Benefits of Choosing Support Gyoseishoshi Law Firm

1. Reduce your burden

By entrusting matters to a professional administrative scrivener, you can reduce the burden of building an organizational structure, preparing documents, and dealing with authorities.

As a result, you will be able to register smoothly and enter the business quickly.

2. Manage multiple procedures and avoid omissions

If you wish to operate a credit purchase brokerage business, you will need to go through several procedures, including applying to the Bureau of Economy, Trade and Industry, applying to a credit association, joining a credit information agency, and joining the Bankruptcy Center.

We provide comprehensive support for the necessary procedures (some of which are handled by business operators) and lead the appropriate progress.

3. We support building a compliance system for business operations.

We conduct a detailed interview with your company and create a form that is tailored to your company's actual circumstances, such as internal rules, so you can appropriately build a compliance system for business operations after registration.

4. Consultation is free

At our company, you can receive a free consultation.

5. We will respond promptly and reliably.

Our motto is speed. We will handle your various applications promptly and reliably.

In the case of a tight schedule, we will conduct research, gather materials, and prepare documents simultaneously within the team.

We will deliver the documents well before the date you need them, so please feel free to contact us.

　Steps for application

Prior consultation

The authorities will confirm the application details.

Create and submit a business outline and conduct interviews with authorities.

Draft review

Submit the registration application documents (including reference materials) to the authorities.

The submitted materials will be reviewed by the authorities.

Main application

Submit formal registration application documents to the authorities.

The standard processing period is 2 months.

It takes at least 8 to 10 months to obtain this license, so if you would like to obtain it sooner, we recommend that you contact us.

　Flow of registration

*Additional information for ④: The authorities will check all application documents and will receive multiple comments.

　Remuneration amount, etc.

Comprehensive credit purchase mediationBusiness registration support

Our company's fee: From 2,750,000 yen (tax included)
Registration tax: 150,000 yen

Individual credit purchase mediationBusiness registration support

Our company's fee: From 2,475,000 yen (tax included)
Registration tax: 150,000 yen

*In addition to the above, additional association membership fees will be incurred.

　What is credit purchase mediation?

Credit purchase mediation refers to the condition that a consumer purchases a product, etc. from a specific sales company (member store), and a credit company (credit purchase broker) transfers the price of the product to the sales company on behalf of the consumer. This is a transaction in which the consumer makes an advance payment to the credit card company and later pays the amount to the credit company over a period of more than two months. (Article 2 (Definition) of the Installment Sales Act)

　Classification by credit purchase intermediaries

Credit purchase intermediaries are divided into two categories: (1) comprehensive credit purchase intermediaries and (2) individual credit purchase intermediaries.

Furthermore, (10) Comprehensive credit purchase intermediation is divided into (a) registered comprehensive credit purchase intermediary (a person who operates comprehensive credit purchase intermediation as a business) and (b) registered small amount comprehensive credit purchase intermediary (among "comprehensive credit purchase intermediation"). The maximum amount is classified into two categories: those operating a business whose maximum amount is less than the amount specified by government ordinance (XNUMX yen).

Furthermore, among the "Registered Comprehensive Credit Purchase Intermediaries", businesses that have been certified as businesses that use each company's credit screening method instead of "Investigation of Expected Comprehensive Payment Amount" will be classified as Certified Comprehensive Credit Purchase Intermediaries. .

As of the end of October 7, there were 11 registered comprehensive credit purchasing intermediaries (of which three are certified), two registered small-amount comprehensive credit purchasing intermediaries, and 241 registered individual credit purchasing intermediaries.

Comprehensive credit purchase mediation business

*In the scheme diagram above, the credit card company is the comprehensive credit purchase intermediary.

Individual credit purchase agency business

*In the scheme diagram above, the credit company is the individual credit purchase intermediary.

　If you need advice regarding licenses and permits under the Installment Sales Act, please contact Support Administrative Scriveners Corporation!

You may find it difficult to decide what laws and regulations your business is subject to.
We also provide such consultations.
Depending on the business, licenses and permits such as comprehensive credit purchasing intermediation business or individual credit purchasing intermediation business may be required.

We provide a variety of support to businesses aiming to become registered as comprehensive and individual credit purchasing intermediaries, including preparing documents, acting as a liaison with the authorities, and providing advice on registration applications.

The first consultation is free, so please contact us using the form below or by phone.
The Tokyo Head Office is responsible for the registration of comprehensive and individual credit purchasing intermediaries.

TEL: 03-5325-1355 (Support Administrative Scriveners Corporation Tokyo Head Office）