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									                           Agreement of                                          (15-11)

                National Conference for Measures
                             against
             Credit card & Consumer finance Trouble
                        Revised and acknowledged on January 6, 2007



Article 1   (Appellation)


     The official appellation of this conference is National Conference for Measures
     against Credit card & Consumer finance Trouble (Zenkoku Credit-Sarakin Mondai
     Taisaku Kyogikai). The abbreviated name in Japanese is Zenkoku Kure-Sara Taikyo.


Article 2   (Purpose)


    The purposes of this conference are as follows;

    1) Prevention and bailout of sufferings from trouble caused by credit cards, consumer
      finances, commerce and industry loans, loan sharks and so forth as well as
      investigation and research of welfare benefits and low-interest loan systems.

    2) Realization of appropriate legal control regarding various issues arising from the
       item 1).

    3) Information exchange and consumer education regarding various issues arising from
      the item 1).


Article 3   (Movement strategy)


    This conference conducts the following matters;

    1) Holding symposiums, workshops, and assemblies regarding various issues about
       credit cards, consumer finance, commerce and industry loans, loan sharks, welfare
       benefits, and low-interest loan systems.

    2) Drawing-up and distribution of brochures, written reports and so forth regarding
       various issues arising from the item 1).
                                                                                     (15-12)

    3) Other specific campaigns against legislation and public administration conducted in
       a timely manner according to need.


 Article 4   (Constituent members)


   This conference consists of the following constituent members.

   1) Individual members consisting of students, lawyers, judicial scriveners and other
      individuals who associate themselves with the purposes of this conference.

   2) Collective members consisting of National Liaison Council for the Victims of Credit
     card & Consumer finance Trouble, Victims’ Association (Higaisha no kai), and other
     organizations which associate themselves with the purposes of this conference.

     However, admission of the following individuals or business organizations to this
     conference shall not be permitted;

     Credit card dealers, consumer finance traders, commerce and industry loan traders,
     “Seiriya”(pernicious moneylenders who make unfair profit by exploiting heavy-debtors’
     vulnerability), “Hi-ben Teikei Bengoshi” and “Hi-ben Teikei Shihoushoshi”(lawyers and
     judicial scriveners who plot together with pernicious moneylenders and conduct
     activities unbecoming in lawyers and judicial scriveners such as name-lending and
     procurement).


Article 5    (Membership)


     In the event of obtaining membership, an applicant requires recommendation by two
     (2) official members of this conference along with notification of affiliation and
     payment of membership fee. After meeting these requirements, he or she shall be given
     official membership through acknowledgment by the secretariat conference.

     In the event of application for collective members, they shall attach the agreement of
     such organization.


Article 6    (Board members)


    This conference shall have one (1) chairman emeritus, one (1) representative organizer,
    one (1) director-general, several vice representative organizers, several permanent
    organizers, and several organizers. This conference shall also have several regional
    organizers and one (1) accounting auditor in each prefecture.
                                                                                   (15-13)
Article 7    (Term of office)


    Board members are elected in the general assembly meeting. The term of office for
    the board members shall be one (1) year and reappointment shall not be prohibited.


Article 8    (Decision-making)


    1) Secretariat conference shall consist of representative organizer, secretary-general,
       vice representative organizer, and permanent organizer and they shall be summoned
       for meeting as needed by the representative organizer.


    2) This conference shall hold organizers’ meeting four (4) times a year where they
       exchange information and pass resolutions on the management of this conference as
       well as on campaigns which are deemed to be necessary to conduct.
       Organizers’ meeting shall consist of representative organizer, vice representative
       organizer, secretary-general, and organizer. However, any official member can join
       this organizers’ meeting and be free to make remarks.


    3) Regular general assembly meeting shall be held once a year by representative
       organizer at the beginning of each new year. General assembly meeting shall
       conduct decision-making in selecting and appointing board members,
       acknowledgment of closing account, alteration of the purposes, and dissolution of
       this conference by a majority vote of the members
       present.


    4) This conference shall have ad hoc committee or subordinate organization according to
      need by the resolution of organizers’ conference.


Article 9    (Duties of secretary-general and assistant secretary-general)


    Secretary-general and permanent organizer are in charge of compiling nationwide list of
    names of members, liaison with the members, information exchange, and accounting.
    Auditor shall conduct accounting audit and give a presentation at the general assembly.


Article 10    (Withdrawal from the membership)


   Members can resign from this conference any time it is convenient.
                                                                                  (15-14)
Article 11   (Expulsion)


   Organizers’ conference can admonish withdrawal or remove his/her name from the list
   against the member(s) who acted counter to the purport and purpose of this conference.



Article 12   (Accounting)


   The accounting of this conference shall be appropriated by the following annual member-
   ship fee paid by the members, spontaneous donation, and proceeds from sale of various
   published matters issued by this conference.


   1) Individual members

      Over ten thousand (10,000) yen per unit for lawyers, judicial scriveners
      Over five thousand (5,000) yen per unit for other members


   2) Collective members

      Over five thousand (5,000) yen per unit


Article 13   (Secretariat)


   The secretariat of this conference is located in Kimura-Urakawa-Katayama Law Firm on
   the 6th floor of Nihon Bunka Kaikan, 2-chome 1-23, Kitahama, Chuo-ku, Osaka City.


Article 14   (Protection of personal information)


   With the objective of protecting personal information, this conference shall not show
   members list and the list of the board members to the public.


Article 15   (Additional Clause)


   This agreement shall take effect through acknowledgment in the new year general
   assembly in 2007.
                                                                                   (15-15)


                  Application for the membership
                                                         Date:                     ,200

Dear National Conference for Measures against Credit card
     & Consumer finance Trouble (Kure-Sara Taikyo)

I’d like to apply for the membership of National Conference for Measures against Credit
card & Consumer finance Trouble (Abbrev. “Kure-Sara Taikyo” in Japanese).
I pledge to observe the agreement of Kure-Sara Taikyo mentioned above and transmit 5,000
(five thousand) yen (10,000 yen for lawyers and judicial scriveners) as the annual member-
ship fee to the bank account or postal transfer account listed below.

                   Assumed Name

                      NAME
                    (IN PRINT)                                                (SEAL)

                    ADDRESS
                  (Contact Address)
APPLICANT
                  PROFESSION
                  (Name of the body
                  you belong to)
                                                      E-mail
                    TEL / FAX                         address

                   Assumed Name
                      NAME
Person offering     (IN PRINT)                                                (SEAL)
recommendations
                    ADDRESS
                  (Contact Address)

                   Assumed Name
                      NAME
Person offering     (IN PRINT)                                                (SEAL)
recommendations
                    ADDRESS
                  (Contact Address)


* Person offering recommendations must be the member of Kure-Sara Taikyo.


Annual membership fee must be transmitted to the following bank account or postal
transfer account.

Bank account          : Mizuho Bank Osaka Chuo Branch (Savings Account) No. 1005233
Account holder’s name : Lawyer Tatsuya Kimura, Kure-Sara Taikyo

Postal transfer account: No. 00900-4-78147
Account holder’s name : Kure-Sara Taikyo
                                                                        (15-1)

           Guidance to application
                              for
     National Conference for Measures against
      Credit card & Consumer finance Trouble

         Please lend us your support
     to eradicate multiple debts sufferings!

Let’s drag down                      Let’s eradicate excess credit
cap interest rate of                and inadequate credit by
Interest Limitation Law!             credit loan companies!

Let’s prevent further               Let’s realize fulfilling multiple
emergence of heavy                  debts counseling by public
debtors and make                    administration and low-interest
bailout system complete!            loan system!


Let’s realize fulfilling            Let’s eradicate shark loans
social security program             and accuse money lenders of
such as welfare benefits            their law-evading activities!
as the measures to fight
poverty!

        Let’s prohibit commercial messages by consumer finance
             and credit card companies which trigger easy debts
                   and make consumer education complete!
                                                                                      (15-2)

National Conference for Measures against Credit card & Consumer finance Trouble (Abbrev.
“Kure-Sara Taikyo”) is a consumer movement organization which has grappled with
prevention and bailout of multiple debts sufferings caused by consumer finances (Sarakin),
credit cards, commerce and industry loans, shark loans and so forth whose number is said to
be over two million all over Japan.

Kure-Sara Taikyo was formed in October, 1978 by academians, lawyers, judicial scriveners,
Credit card & Consumer finance Victims’ Association (Kure-Sara Higaisha no Kai), and
labor bodies all over Japan with official name of “National Conference for Measures against
Consumer finance Trouble”. Since then we have grappled with bailout of those victimized by
consumer finance as well as lawmaking movement for Consumer finance Control Law in
collaboration with Japan Federation of Bar Associations and other bodies and successfully
enacted Moneylending Control Law in April, 1983.

In April 1985, we changed the title of our organization to Kure-Sara Taikyo (National
Conference for Measures against Credit card & Consumer finance Trouble) which is
currently used in order to grapple with excess credit issue of credit cards. Subsequently we
have conducted
campaigns which have been deemed necessary against public administration, the Diet,
concerned bodies for the purpose of prevention and bailout of multiple debtors of credit cards
and consumer finances as well as sufferings of commerce and industry loans and shark loans.
Besides these, we have vigorously developed such activities as information exchange,
research in practical business affairs, and law revision campaigns under our nationwide
network.

Today Kure-Sara Taikyo plays a vital social role as the nationwide organization grappling
with multiple debts issues in collaboration with National Liaison Council of Credit card &
Consumer finance Victims (Abbrev. “Hirenkyo” in Japanese) formed in September 1981,
which is a nationwide organization of Higaisha no Kai (Victims’ Association), an association
of those victimized by credit card and consumer finance trouble.

In December 2006, we successfully enacted Moneylending Law with the contents of dragging
down high interest rate, restriction of excess lending, and strict business control against
money lenders. Thus we have been grappling with all our might with further bailout of
multiple debtors.

We sincerely hope that more lawyers, judicial scriveners, victim bodies, consumer bodies all
over Japan will join Kure-Sara Taikyo and join our movement.


                                                       January 2007

                                                     Tatsuya Kimura

                                               Representative organizer of
                                             National Council for Measures
                                                        Against
                                         Credit card & Consumer finance Trouble
                                                                         (15-3)


                             Secretariat of
                     National Council for Measures
            Against Credit card & Consumer finance Trouble



〒541-0041
6th fl. Nihon Bunka Kaikan, 2-chome 1-23 Kitahama, Chuo-ku, Osaka City

            (TEL)   06-6222-0186   (FAX) 06-6222-2302

            (E-mail) mail@cresara.net   http://www.cresara.net
                                                                                    (15-4)

                     Organizational Chart of
              Kure-Sara Taikyo and Concerned Bodies

Chairman emeritus             :    Michitaro Kai

Representative organizer      :    Tatsuya Kimura
and secretary-general

Vice representative organizers:    Kenji Utsunomiya, Koji Niisato, Toshimasa Kabashima

Auditor                       :    Youichiro Komatsu

Secretariat

   Tatsuya Kimura          Sectional meeting chairman of Higaisha no Kai (Victims’
                           Association) and exchange for the victims.

   Junji Okajima           Sectional meeting chairman of exchange for academians and
                           business people on consumer issues

   Satoshi Kono            Sectional meeting chairman of workshops
   Yoshinori Ozawa

   Koji Niisato            Sectional meeting chairman of Dial No.110
   Kiyohito Wada
   Seiji Furuhashi
   Nobuhiro Inamoto

   Satoshi Oikawa          Sectional meeting chairman of mass media and press release

   Yasunori Minagawa       Sectional meeting chairman of international exchange
   Hirotsugu Nagata

   Yoshio Suzuki           Sectional meeting chairman of publication
   Masakiyo Ogawa


Permanent organizers

Masayuki Izawa         (lawyer)    Satoshi Kono         (lawyer) Yuji Kimura      (lawyer)
Satoshi Makino         (lawyer)    Masakiyo Ogawa      (lawyer) Hiroki Tatsumi    (lawyer)
Norihiko Haishi         (lawyer)    Jousho Aoyama      (lawyer) Tadashi Inomata   (lawyer)
Kiyohito Wada          (lawyer)    Akira Murakami      (lawyer) Junji Okajima     (lawyer)
Haruhiko Yamada        (lawyer)    Tetsuro Kokubo      (lawyer) Hiroki Bitou       (lawyer)
Tadakatsu Nakayama     (lawyer)    Yasuhiro Tsuji      (lawyer) Yoshio Suzuki      (lawyer)
(Permanent organizers)                                                               (15-5)


Masamichi Chihara    (lawyer)            Yoko Chihara           (lawyer)
Yasunobu Taki       (lawyer)              Yoshinori Ozawa      (judicial scrivener)
Keiji Kotera        (judicial scrivener)  Seiji Furuhashi      (judicial scrivener)
Eiji Mizutani       (judicial scrivener)  Masahiro Sekii        (judicial scrivener)
Suzuko Iguchi       (judicial scrivener)  Yoko Wada             (judicial scrivener)
Yasunori Minagawa   (judicial scrivener)  Hirotsugu Nagata     (judicial scrivener)
Kiyoshige Kinari   (judicial scrivener)   Hiroshi Uemizo       (judicial scrivener)
Norio Miyazato      (judicial scrivener)  Takashi Ohbu         (judicial scrivener)
Nobuhiro Inamoto   (judicial scrivener)
Kakuko Nakano     (intake worker of consumers’ affairs)
Yoshio Honda      (Liaison Council of National Credit card & Consumer finance Victims)
Yoshiaki Tanaka   (Osaka Icho no Kai)
Kenji Kusaka       (Hiroshima Tsukushi no Kai)
Yoichi Yoshida    (Kumamoto Association to Eradicate Sufferings from Credit card,
                   Consumer finance, and Daily installment)
Ken-ichi Nabetani (Takamatsu Asunaro no Kai)
Masami Nakamura (Kure Tsukushi no Kai)
Ken Minematsu      (Fukuyama Tsukushi no Kai)
Kimiko Aono       (Matsuyama Tachibana no Kai)
Norio Sawaguchi   (Yoake no Kai)


Organizers


129 members 〔two (2) academians , one (1) intake worker, sixty-four (64) lawyers, fifty-

                one (51) judicial scriveners, eleven (11) members of Victims’ Association〕
                                                                                     (15-6)

     The list of concerned bodies of Kure-Sara Taikyo


 Liaison Council of National Credit card      Chairman          : Norio Sawaguchi
 & Consumer finance Victims                   Secretary-general : Yoshio Honda


 Nationwide Defense team against              Lead lawyer         :Tatsuya Kimura
 Nichi-ei & Shokou Fund                       Vice Lead Lawyer    : Koji Niisato
                                              Secretary-general   : Satoshi Makino

                                              Representative      : Masamichi Chihara
 National Conference for Realizing            Vice Representative : Satoshi Makino
 Lower interest rate in Interest                                    Satoshi Oikawa
 Limitation Law                                                     Kiyoshige Kinari
                                                                    Norio Sawaguchi
                                              Secretary-general : Yoshinori Ozawa


                                              Representative      : Yoko Chihara
 Conference for Measures against Article 43   Vice Representative :Masahiko Goto
                                              Secretary-general    :Keigo Toda



 National Conference for Measures against     Representative      : Kenji Utsunomiya
 Loan sharks                                  Vice Representative :Masayuki Izawa
                                              Secretary-general   : Yuji Kimura


National Conference for Mediation Measures Representative      : Michitaro Kai
against Credit card & Consumer finance           organizer
                                           Vice Representative : Masayuki Izawa
                                           Secretary-general : Eiji Mizutani


                                              Representative      : Hidenori Kamai
 National Conference for Measures against     Vice Representative : Tomohiro Onodera
 Excess Credit of Credit cards                                      Miwako Murakami
                                                                    Yoshinori Matsuo
                                              Secretary-general : Norihiko Haishi
                                                                                   (15-7)

National Liaison Council Demanding Representative                : Michitaro Kai
Measures for Dragging down High interest  organizer
rate and Multiple debts                                            Kenji Utsunomiya
                                                                   Koji Niisato
                                             Secretary-general   : Suzuko Iguchi


                                             Representative
National Conference Demanding Enhance-              organizer   : Etsuko Ohashi
ment of Measures against Multiple debts                           Toshimasa Kabashima
by Public administration                                          Jousho Aoyama
                                             Vice Representative: Toshiyuki Sumibou
                                             Secretary-general : Haruhiko Yamada
                                             Vice Secretary-      Hiroshi Uemizo
                                                       General : Nobuhiro Inamoto
                                                                  Masahiro Sekii
                                                                  Kazuhiko Maegawa


National Conference for Measures against     Representative    : Hiroki Bitou
Welfare benefits issues                      Secretary-general : Tetsuro Kokubo


Study group of Advertising issues            Representative    : Koji Niisato
                                                                 Kakuko Nakano
                                             Secretary-general : Koji Niisato

National Conference for Measures against     Representative    : Osamu Kato
Sufferings by Guarantee charge and Daily     Secretary-general : Satoshi Kono
installment



                                             Representative : Terumi Hironaka
Association to Eliminate Autocide owing to   Secretary-general : Takayuki Hironaka
Multiple debts                               Vice Secretary-     Michitada Kageyama
                                                     General : Hiroki Tatsumi
                                                                 Eiji Mizutani
                                                                 Masaru Kunimoto

National Conference for Measures against     Representative    : Satoshi Kono
Sufferings by aiful                          Secretary-general : Hiroki Tatsumi
                                                                                 (15-8)

 National Conference for Measures against   Representative    : Koji Niisato
 Sufferings by Takefuji                     Secretary-general : Masakiyo Ogawa



 Nationwide Network for Measures against    Representative    : Katsuhiro Ueda
 Pension guarantee Sufferings                      organizer
                                            Secretary-general : Masahiro Sekii




              Chronological table of major activities
                      by Kure-Sara Taikyo


May     1977 Consumer finance issue workshop was established in Osaka.
10 / 4, 1977 Consumer Finance Victims’ Association (Sarakin Higaisha no Kai) was
             formed in Osaka.
4 / 12, 1978 “Small loan dealer Draft Law” was issued by Consumer finance issue
             workshop.
11 /25, 1978 General assembly for establishment of “National Conference for
             Measures against Consumer finance” was held.



        Movement demanding restriction of consumer finance continued

                                     from 1979 to1982.

9 /13, 1981 The 1st National Exchange Meeting of Consumer finance Victims was held
            in Osaka.
April 1982 National Liaison Council for Victims of Consumer finance was established
            in Hiroshima.
4 /28, 1983 Moneylending Control Law was established (in which interest rate of 109.5 %
            per year stipulated by Investment Deposit and Interest Rate Law must be
            dragged down to 40.004% by three-phase rate reduction.)
11 /1, 1983 Moneylending Control Law was enacted.
3 /23, 1984 The 1st campaign caravan was conducted to eradicate suffering by consumer
            finance.
                                                                                      (15-9)


       Arrival of the period of winter-like hardship for consumer finance


4 / 5, 1985 The title of this conference was changed to “Zenkoku Kure-Sara Taikyo”.

9/12, 1985 Japan Federation of Bar Association established a committee to take
             measures against consumer issues.
2 /23~
3/ 2, 1986 Practical business research group on consumer bankruptcy was sent to the
            United States.
8/30, 1987 Workshop for studying Public Notary Law was established.
2 / 4, 1988 Workshop for studying lease issues was established.
4 / 1, 1990 The 1st collective exchange meeting on credit card suffering was held.
4 /20,1990 Nationwide simultaneous “Credit card & Consumer finance Dial 110” was held.
            (As of 2007, this campaign has been held eighteen times.)
4/24, 1991 “Society to sit in on judicial trials” was established.
5/20, 1995 The 1st thoroughgoing symposium by practical business workshop of credit card
            and consumer finance sufferings was held in Kyoto. (As of 2007, this symposium
            has been held fifteen times.)



           Increase of automatic loan-application machines developed

                       by major consumer finance companies


5 /10, 1985 Nishiki Finance case occurred.(Commerce and industry loan issues started.)
5/24~
11/6, 1988 The 2nd campaign caravan was conducted to eradicate sufferings by consumer
            finance.
12 /19,1998 Nationwide defense team was formed for measures against Nichi-ei and
            Shokou Fund.
12/ 1, 1999 National Liaison Council for Dragging down High interest rate was formed.
12/12,1999 Specific Conciliation Act and revised law of Investment Deposit and Interest
            Rate Law was established. (Interest rate was dragged down to 29.2% per year
            from June 1, 2000.)
2/ 26, 2000 National defense team (along with Measures Conference) was formed for
            measures against daily installment finance.
6/ 30,2000 “Dragging down of special interest rate” by per diem formula money lenders
            was revised.
12/14,2000 National Conference for Measures against Loan sharks was formed.
August~
10/14,2001 The 3rd nationwide campaign caravan was conducted to eradicate sufferings by
            consumer finance and to drag down high interest rate.
9 /29, 2001 National Conference for Measures against Mediating credit card and consumer
            finance Sufferings was formed.
                                                                                    (15-10)



   Petition in bankruptcy rose above two hundred thousand (200,000) cases


10/25, 2002    National Conference for Measures against Takefuji was formed.
12/14, 2002    Conference for Measures against Authentic document Issues was formed.
10/ 4, 2003    National Conference to Realize Fulfilling Measures against Multiple debtors
               by Public administration was formed.
1 / 1 , 2004   Loan Shark Control Law (revised Moneylending Control Law) was enacted.
4/ 16, 2005    National Conference for Measures against Sufferings by aiful and
               Conference for Measures against Article 43 were formed.
7/ 15, 2005    National Conference for Measures against Excess Credit of Credit cards was
               formed.
June~
September      The 4th campaign caravan was conducted to drag down high interest rate.
     2006
2005~          Supreme Court decisions were given in a stream regarding Interest Limitation
     2006      Law.


We have vigorously conducted campaign to drag down high interest rate in collaboration
with Japan Federation of Bar Associations Headquarter for Realizing Dragging down of
High interest rate.


12/13, 2006     Moneylenders Law was established (in which the interest rate of 29.2%
               stipulated by Investment Deposit and Interest Rate Law must be dragged
               down three years later to 15 to 20 % stipulated by Application Limitation
               Law.)
      2007     National Conference for Measures against Welfare benefits and Homeless
               people is to be formed.
 9 /29~30
      2007     The 27th exchange meeting by those victimized by credit card, consumer
               finance, commerce and industry loans, and shark loans will be held in Shiga
               Prefecture.

								
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