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  "domain": "structured-finance",
  "title": "Japan consumer-loan ABS structure — evidence-bound reading",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "Japan consumer-loan ABS structure — evidence-bound reading",
    "aliases": [
      "Japan consumer-loan ABS structure",
      "Acom consumer-loan ABS",
      "Aiful consumer-loan ABS",
      "SMBC Consumer Finance ABS",
      "Aplus consumer-loan ABS",
      "利息制限法 consumer ABS",
      "Japan unsecured-loan ABS",
      "Dynamic-pool consumer ABS Japan",
      "structured-finance/japan-consumer-loan-abs-structure",
      "JapanFG/funds",
      "JapanFG/lendable"
    ],
    "domain": "structured-finance",
    "type": null,
    "created": "2026-05-25",
    "last_updated": "2026-07-29",
    "last_tended": "2026-07-29",
    "review_by": "2027-01-29",
    "confidence": "likely",
    "tags": [
      "structured-finance",
      "abs",
      "consumer-loan",
      "unsecured",
      "interest-rate-ceiling",
      "early-amortization",
      "japan"
    ],
    "status": "active",
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    "note": null,
    "sources": [
      "https://laws.e-gov.go.jp/law/329AC0000000100",
      "https://www.jcr.co.jp/en/rrinfo/meth_sf/",
      "https://www.jcr.co.jp/en/pdf/dm28/General_Methodology20210802.pdf",
      "https://www.jsda.or.jp/en/statistics/securitization-market/"
    ]
  },
  "summary": "The Interest Rate Restriction Act supplies statutory maximum rates by principal band, but it does not supply a securitized pool's APR, default rate, trigger level, retention, payoff period or investor base. No stable public deal document was located that supports the previous “five survivors,” annua",
  "headings": [
    "Japan consumer-loan ABS structure — evidence-bound reading",
    "TL;DR",
    "Wiki route",
    "1. Issuer and collateral identity",
    "2. Interest-rate law and pool data",
    "3. Pool-performance evidence",
    "4. Revolving and early-amortization mechanics",
    "5. Cash-flow and enhancement",
    "6. Rating and investor claims",
    "7. Deferred claims"
  ],
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    "external_links_count": 5,
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      "https://laws.e-gov.go.jp/law/329AC0000000100",
      "https://www.jcr.co.jp/en/pdf/dm28/General_Methodology20210802.pdf",
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