{
  "meta": {
    "dataset": "決済リスク観測所（Payment Risk Lab）決済停止トラッカー",
    "version": "0.1",
    "schema_version": "0.2",
    "license": "CC BY 4.0（データのみ）",
    "generated_at": "2026-08-04",
    "status": "初期投入ドラフト。source_primary未取得のレコードは正典公開前に一次ソース＋魚拓の取得が必要（notesに裏取りポイントを記載）",
    "record_count": 29
  },
  "records": [
    {
      "id": "PRL-2020-001",
      "event_class": "platform_action",
      "tier": "T3",
      "region": [
        "global"
      ],
      "date_announced": "2020-12-00",
      "date_precision": "month",
      "platform": "Pornhub",
      "category": "動画配信",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "Visa",
        "Mastercard"
      ],
      "status": "一部解除",
      "stated_reason": "（裏取り時に確定）",
      "attributed_cause": "外部団体の働きかけ",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [],
      "evidence_type": "報道",
      "confidence": "高",
      "related_ids": [],
      "tags": [
        "海外",
        "先例"
      ],
      "notes": "NYT報道を起点とするVisa/MC停止。世界的先例としてT3収録。後の部分再開含め裏取り時に時系列確定",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2021-001",
      "event_class": "platform_action",
      "tier": "T3",
      "region": [
        "global"
      ],
      "date_announced": "2021-08-00",
      "date_precision": "month",
      "platform": "OnlyFans",
      "category": "クリエイター支援",
      "scope": "成人向けのみ",
      "action_type": "事前告知",
      "payment_methods": [
        "不明"
      ],
      "status": "解除済み",
      "stated_reason": "銀行・決済パートナーの要請を理由に性的コンテンツ禁止を発表（後に撤回）",
      "attributed_cause": "アクワイアラ判断",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [],
      "evidence_type": "報道",
      "confidence": "高",
      "related_ids": [],
      "tags": [
        "海外",
        "撤回事例"
      ],
      "notes": "発表→撤回の代表例。停止バイアス防止原則の適用対象",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2022-001",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2022-07-00",
      "date_precision": "month",
      "platform": "DMM.com（FANZA含む）",
      "operator": "合同会社DMM.com",
      "category": "動画配信",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "Mastercard"
      ],
      "status": "継続中",
      "stated_reason": "（公式告知の原文を裏取り時に確定）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2412/11/news156.html"
      ],
      "evidence_type": "報道",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-004"
      ],
      "tags": [
        "クレカ検閲",
        "起点イベント"
      ],
      "notes": "一連の国内停止の起点。公式告知＋正確な発効日を一次ソースで確定。PayPalは2000年代から成人向け決済禁止の別文脈あり",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2023-001",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2023-00-00",
      "date_precision": "year",
      "platform": "pixiv（FANBOX / BOOTH）",
      "operator": "ピクシブ株式会社",
      "category": "クリエイター支援",
      "scope": "特定カテゴリ",
      "scope_note": "特定表現を含む作品の非公開措置・規約改定（カード会社要請起因）",
      "action_type": "制限強化",
      "payment_methods": [
        "不明"
      ],
      "status": "継続中",
      "stated_reason": "（規約改定告知の原文を裏取り時に確定）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://dic.pixiv.net/a/%E3%82%AF%E3%83%AC%E3%82%AB%E6%A4%9C%E9%96%B2"
      ],
      "evidence_type": "報道",
      "confidence": "中",
      "related_ids": [
        "PRL-2026-003"
      ],
      "tags": [
        "クレカ検閲",
        "コンテンツ制限型"
      ],
      "notes": "決済停止ではなく「決済圧力起因のコンテンツ制限」類型。2022年の規約改定説もあり開始時期の特定が裏取り最優先事項",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-001",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-03-00",
      "date_precision": "month",
      "platform": "DLsite",
      "operator": "株式会社エイシス（viviONグループ）",
      "category": "同人DL販売",
      "scope": "全面",
      "action_type": "一時停止",
      "payment_methods": [
        "Visa",
        "Mastercard",
        "Amex"
      ],
      "status": "継続中",
      "stated_reason": "クレジットカード会社からの要請（公式告知の要旨・原文引用を裏取り時に確定）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2406/14/news145.html"
      ],
      "evidence_type": "報道",
      "confidence": "高",
      "related_ids": [
        "PRL-2025-007",
        "PRL-2025-008"
      ],
      "tags": [
        "クレカ検閲",
        "同人"
      ],
      "notes": "3月末告知・Visa/MC先行＋Amex後追い停止の時系列を一次ソースで分解確定（Amex追加停止を別レコード化するか裏取り時に判断）。2026年時点で再開見通しなし",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-002",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-05-21",
      "date_precision": "day",
      "platform": "Fantia",
      "operator": "株式会社虎の穴",
      "category": "クリエイター支援",
      "scope": "全面",
      "action_type": "一時停止",
      "payment_methods": [
        "Visa",
        "Mastercard"
      ],
      "status": "継続中",
      "stated_reason": "2024年5月21日15時30分よりVisa、Mastercardクレジットカードの利用が一時停止（公式告知）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "高",
      "source_primary": "https://spotlight.fantia.jp/news/240521_payment_method",
      "archive_url": "",
      "source_secondary": [],
      "evidence_type": "公式発表",
      "confidence": "確定",
      "related_ids": [
        "PRL-2024-005",
        "PRL-2026-003"
      ],
      "tags": [
        "クレカ検閲",
        "クリエイター支援"
      ],
      "notes": "公式告知URL取得済み。魚拓取得が残タスク",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-003",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-05-20",
      "date_precision": "day",
      "platform": "ニコニコ",
      "operator": "株式会社ドワンゴ",
      "category": "動画配信",
      "scope": "全面",
      "scope_note": "プレミアム会員料金等。Mastercard・Amexは先行して停止済みで、2024年5月までに主要3ブランドが順次停止",
      "action_type": "一時停止",
      "payment_methods": [
        "Visa",
        "Mastercard",
        "Amex"
      ],
      "status": "一部解除",
      "stated_reason": "Visaでのプレミアム会員料金の決済を2024年5月20日以降順次一時停止（公式インフォ）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "中",
      "source_primary": "https://blog.nicovideo.jp/niconews/222629.html",
      "archive_url": "",
      "source_secondary": [
        "https://ascii.jp/limit/group/ida/elem/000/004/204/4204456/"
      ],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [
        "PRL-2025-001"
      ],
      "tags": [
        "クレカ検閲",
        "非アダルト波及"
      ],
      "notes": "MC・Amexの個別停止日を裏取りし、レコード分割を検討。Visaは2025年2月に再開（PRL-2025-001）",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-004",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-06-14",
      "date_precision": "day",
      "platform": "FANZA同人",
      "operator": "株式会社デジタルコマース",
      "category": "同人DL販売",
      "scope": "特定カテゴリ",
      "scope_note": "FANZA同人のみ（PCゲーム・動画は対象外）。FANZAブックスも同時期にVisa不可の報告",
      "action_type": "一時停止",
      "payment_methods": [
        "Visa"
      ],
      "status": "継続中",
      "stated_reason": "「2024年6月14日（金）12時よりFANZA同人でのVisa決済を一時停止しております」（公式告知）。理由・期限は非公表",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2406/14/news145.html",
        "https://0115765.com/archives/75789"
      ],
      "evidence_type": "公式発表",
      "confidence": "確定",
      "related_ids": [
        "PRL-2022-001"
      ],
      "tags": [
        "クレカ検閲",
        "同人",
        "カテゴリ限定停止"
      ],
      "notes": "公式告知の原文引用は報道経由で確保。公式告知ページ自体のURL＋魚拓が残タスク。「同人カテゴリのみ狙い撃ち」という範囲限定型の代表例",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-005",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-08-09",
      "date_effective": "2024-08-12",
      "date_precision": "day",
      "platform": "とらのあな（通信販売）",
      "operator": "株式会社虎の穴",
      "category": "EC・物販",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "Visa",
        "Mastercard"
      ],
      "status": "継続中",
      "stated_reason": "2024年8月12日をもって通信販売におけるVisa・Mastercardの取り扱いを停止（公式発表）。残存: JCB/Amex/Diners",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://nlab.itmedia.co.jp/cont/articles/3383377/"
      ],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-002"
      ],
      "tags": [
        "クレカ検閲",
        "同人",
        "物販"
      ],
      "notes": "夏コミ直前の停止として話題化。公式告知URL＋魚拓が残タスク",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-006",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-11-08",
      "date_precision": "day",
      "platform": "メロンブックス（通信販売）",
      "operator": "株式会社メロンブックス",
      "category": "EC・物販",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "Visa"
      ],
      "status": "継続中",
      "stated_reason": "「力及ばず」としてVisaでの決済停止を告知（公式お知らせ）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2411/08/news168.html"
      ],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [],
      "tags": [
        "クレカ検閲",
        "同人",
        "物販"
      ],
      "notes": "ITmedia報道タイトルはVisaのみ。pixiv百科はVisa/MC併記で二次情報間に不一致→Mastercardの停止有無・時期を一次ソースで確定（後日MC追加停止の可能性）",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-007",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-11-00",
      "date_precision": "month",
      "platform": "マンガ図書館Z",
      "operator": "株式会社Jコミックテラス",
      "category": "電子書籍",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "その他"
      ],
      "status": "継続中",
      "stated_reason": "クレジットカードを含む全ての決済手段を停止された（運営発信の要旨）",
      "attributed_cause": "決済代行判断",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://note.com/nisshouki_1101/n/nb57aab25e609"
      ],
      "evidence_type": "当事者SNS告知",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-008"
      ],
      "tags": [
        "クレカ検閲",
        "全決済喪失",
        "非アダルト波及"
      ],
      "notes": "「全決済手段の喪失」という最重度類型。停止通告の主体（決済代行）と対象決済の内訳、正確な日付を裏取り",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-008",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-11-00",
      "date_precision": "month",
      "platform": "マンガ図書館Z",
      "operator": "株式会社Jコミックテラス",
      "category": "電子書籍",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "—"
      ],
      "status": "継続中",
      "stated_reason": "決済手段の喪失によりサイトサービスを停止（運営発表の要旨）",
      "attributed_cause": "決済代行判断",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2412/16/news118.html"
      ],
      "evidence_type": "報道",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-007"
      ],
      "tags": [
        "クレカ検閲",
        "サービス停止",
        "因果連鎖"
      ],
      "notes": "決済停止→サービス停止の因果連鎖を可視化する分割レコード（承認済み方針）。停止発表日とサービス終了日を一次ソースで確定",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-009",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-12-00",
      "date_precision": "month",
      "platform": "ポケットドラマCD",
      "operator": "株式会社アニメイト（グループ）",
      "category": "動画配信",
      "scope": "特定カテゴリ",
      "scope_note": "「オトナの女性向け」カテゴリー作品のクレジットカード決済を終了",
      "action_type": "制限強化",
      "payment_methods": [
        "不明"
      ],
      "status": "継続中",
      "stated_reason": "（公式告知の原文を裏取り時に確定）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2412/16/news118.html"
      ],
      "evidence_type": "報道",
      "confidence": "中",
      "related_ids": [
        "PRL-2024-010"
      ],
      "tags": [
        "クレカ検閲",
        "女性向け波及"
      ],
      "notes": "女性向けコンテンツへの波及事例。対象ブランド・正確な日付を一次ソースで確定",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-010",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-12-10",
      "date_effective": "2025-01-01",
      "date_precision": "day",
      "platform": "pictSPACE / pictSQUARE",
      "operator": "GMW株式会社",
      "category": "EC・物販",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "Visa",
        "Mastercard"
      ],
      "status": "継続中",
      "stated_reason": "決済代行会社から使用不可になるとの連絡。理由の説明なし。JCB/Amex/Diners・銀行振込・Paidyは継続（公式発表の要旨）",
      "attributed_cause": "決済代行判断",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2412/11/news156.html"
      ],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-009"
      ],
      "tags": [
        "クレカ検閲",
        "女性向け波及",
        "BL"
      ],
      "notes": "「理由の説明なし」の明示事例。女性向け（BL）市場への波及の代表例",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-011",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-12-14",
      "date_precision": "day",
      "platform": "アエルネ（オタク婚活）",
      "operator": "株式会社ちくちく",
      "category": "その他",
      "scope": "全面",
      "action_type": "事前告知",
      "payment_methods": [
        "Visa"
      ],
      "status": "解除済み",
      "stated_reason": "「本日カード決済会社より連絡があり、アエルネでのVISAカード決済が停止するとのご報告を受けました」（公式告知）。Masterは継続。理由説明なし",
      "attributed_cause": "アクワイアラ判断",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2412/16/news118.html",
        "https://www.j-cast.com/2024/12/16499524.html"
      ],
      "evidence_type": "公式発表",
      "confidence": "確定",
      "related_ids": [
        "PRL-2024-012"
      ],
      "tags": [
        "クレカ検閲",
        "非アダルト波及"
      ],
      "notes": "成人向け要素のない婚活サービスへの停止通告という烈度変化の証跡。山田議員の面会で原因はアクワイアラと推測された（attributed_causeの根拠）",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-012",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-12-16",
      "date_precision": "day",
      "platform": "アエルネ（オタク婚活）",
      "operator": "株式会社ちくちく",
      "category": "その他",
      "scope": "全面",
      "action_type": "再開",
      "payment_methods": [
        "Visa"
      ],
      "status": "解除済み",
      "stated_reason": "「先ほど決済代行会社より連絡があり、決済が継続できることになったと報告を受けました」（公式発表）。撤回理由の説明もなし",
      "attributed_cause": "不明",
      "attribution_confidence": "低",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2412/16/news183.html"
      ],
      "evidence_type": "公式発表",
      "confidence": "確定",
      "related_ids": [
        "PRL-2024-011"
      ],
      "tags": [
        "撤回事例",
        "再開"
      ],
      "notes": "国内の撤回事例第1号。停止も撤回も理由非開示という不透明性自体が観測価値。停止バイアス防止原則の適用例",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2024-013",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2024-00-00",
      "date_precision": "year",
      "platform": "ピンクパイナップル",
      "category": "動画配信",
      "scope": "全面",
      "action_type": "停止",
      "payment_methods": [
        "Visa",
        "Mastercard"
      ],
      "status": "不明",
      "stated_reason": "（公表なし）",
      "attributed_cause": "不明",
      "attribution_confidence": "低",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://dic.pixiv.net/a/%E3%82%AF%E3%83%AC%E3%82%AB%E6%A4%9C%E9%96%B2"
      ],
      "evidence_type": "ユーザー報告のみ",
      "confidence": "低",
      "related_ids": [],
      "tags": [
        "クレカ検閲",
        "要追跡"
      ],
      "notes": "pixiv百科の一覧のみが典拠。一次告知が見つからなければ「要追跡」ラベルのまま公開するか、収録見送りをL2で判断",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-001",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2025-02-23",
      "date_precision": "day",
      "platform": "ニコニコ",
      "operator": "株式会社ドワンゴ",
      "category": "動画配信",
      "scope": "全面",
      "action_type": "再開",
      "payment_methods": [
        "Visa"
      ],
      "status": "解除済み",
      "stated_reason": "Visa決済の再開を公式インフォに追記（2025年2月23日付）",
      "attributed_cause": "不明",
      "attribution_confidence": "低",
      "source_primary": "https://blog.nicovideo.jp/niconews/222629.html",
      "archive_url": "",
      "source_secondary": [],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-003"
      ],
      "tags": [
        "再開",
        "撤回事例"
      ],
      "notes": "国内の大型再開事例。再開の正確な日付と対象範囲（プレミアム会員のみか全サービスか）、MC/Amexの現況を裏取り",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-002",
      "event_class": "campaign",
      "tier": "T2",
      "region": [
        "AU",
        "global"
      ],
      "date_announced": "2025-07-00",
      "date_precision": "month",
      "platform": "Collective Shout",
      "category": "市民団体",
      "scope": "制度全体",
      "action_type": "働きかけ",
      "payment_methods": [
        "Visa",
        "Mastercard",
        "PayPal",
        "Stripe"
      ],
      "status": "継続中",
      "stated_reason": "決済事業者に対し、特定の成人向けゲームを扱うプラットフォームとの取引停止を求める公開書簡を送付",
      "attributed_cause": "外部団体の働きかけ",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.cbc.ca/radio/day6/steam-itch-takedowns-credit-cards-1.7597563"
      ],
      "evidence_type": "報道",
      "confidence": "確定",
      "related_ids": [
        "PRL-2025-003",
        "PRL-2025-004"
      ],
      "tags": [
        "CollectiveShout",
        "圧力キャンペーン"
      ],
      "notes": "圧力→停止の因果連鎖の起点レコード。反対署名17万筆・逆コールキャンペーンの対抗運動も後続レコード化を検討",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-003",
      "event_class": "platform_action",
      "tier": "T2",
      "region": [
        "global"
      ],
      "date_announced": "2025-07-00",
      "date_precision": "month",
      "platform": "Steam",
      "operator": "Valve",
      "category": "ゲーム配信",
      "scope": "特定カテゴリ",
      "scope_note": "成人向けタイトル数百本を削除・新ガイドライン導入",
      "action_type": "制限強化",
      "payment_methods": [
        "Visa",
        "Mastercard",
        "Stripe",
        "PayPal"
      ],
      "status": "継続中",
      "stated_reason": "決済処理事業者・カードネットワークの基準に反する可能性のあるコンテンツを削除（運営説明の要旨）",
      "attributed_cause": "外部団体の働きかけ",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://kotaku.com/steam-itch-io-sex-game-nsfw-censor-visa-mastercard-1851787281"
      ],
      "evidence_type": "報道",
      "confidence": "確定",
      "related_ids": [
        "PRL-2025-002",
        "PRL-2025-004",
        "PRL-2025-005"
      ],
      "tags": [
        "CollectiveShout",
        "海外",
        "ゲーム"
      ],
      "notes": "日本のクリエイター・ユーザーへの直接影響ありのためT2。日本語での影響報道も併記候補",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-004",
      "event_class": "platform_action",
      "tier": "T2",
      "region": [
        "global"
      ],
      "date_announced": "2025-07-00",
      "date_precision": "month",
      "platform": "Itch.io",
      "category": "ゲーム配信",
      "scope": "成人向けのみ",
      "scope_note": "全アダルトコンテンツを検索・ブラウズから除外（2万タイトル超）。後に無料成人向けの一部を復元",
      "action_type": "制限強化",
      "payment_methods": [
        "Stripe",
        "PayPal"
      ],
      "status": "一部解除",
      "stated_reason": "決済パートナーとの関係維持のための緊急デインデックス措置（運営告知の要旨）",
      "attributed_cause": "外部団体の働きかけ",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://aftermath.site/steam-itch-porn-censorship-collective-shout-visa-mastercard-paypal/"
      ],
      "evidence_type": "公式発表",
      "confidence": "確定",
      "related_ids": [
        "PRL-2025-002",
        "PRL-2025-003"
      ],
      "tags": [
        "CollectiveShout",
        "海外",
        "インディー"
      ],
      "notes": "Itch.ioの決済はStripe/PayPal依存（Visa/MC直接ではない）点が構造理解に重要。日本の出品クリエイター影響でT2",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-005",
      "event_class": "platform_action",
      "tier": "T2",
      "region": [
        "global"
      ],
      "date_announced": "2025-08-00",
      "date_precision": "month",
      "platform": "Steam",
      "operator": "Valve",
      "category": "ゲーム配信",
      "scope": "特定カテゴリ",
      "scope_note": "多数の国でPayPal決済を停止",
      "action_type": "停止",
      "payment_methods": [
        "PayPal"
      ],
      "status": "継続中",
      "stated_reason": "PayPalと連携する銀行の要請による（Valve説明の要旨）",
      "attributed_cause": "アクワイアラ判断",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.notebookcheck.net/DLsite-uses-digital-bank-to-circumvent-payment-processor-censorship-that-banned-Steam-games.1133556.0.html"
      ],
      "evidence_type": "報道",
      "confidence": "高",
      "related_ids": [
        "PRL-2025-003"
      ],
      "tags": [
        "海外",
        "PayPal",
        "銀行レイヤー"
      ],
      "notes": "カードブランドではなく銀行レイヤー起因の停止という類型。日本での利用可否への影響を裏取り",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-006",
      "event_class": "regulatory",
      "tier": "T3",
      "region": [
        "US"
      ],
      "date_announced": "2025-08-07",
      "date_precision": "day",
      "platform": "米国大統領府",
      "category": "規制当局",
      "scope": "制度全体",
      "action_type": "規制導入",
      "payment_methods": [
        "—"
      ],
      "status": "継続中",
      "stated_reason": "大統領令14331「Guaranteeing Fair Banking for All Americans」——政治的・宗教的信条や合法な事業活動を理由とする金融サービス拒否（デバンキング）を禁止",
      "attributed_cause": "政治的動機",
      "attribution_confidence": "高",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.spencerfane.com/insight/the-debanking-minefield-navigating-fair-access-in-2026/"
      ],
      "evidence_type": "当局発表",
      "confidence": "確定",
      "related_ids": [
        "PRL-2026-001"
      ],
      "tags": [
        "デバンキング",
        "米国",
        "規制反転"
      ],
      "notes": "「規制空白の日本 vs 規制へ動く米国」対比軸の中核レコード。官報（Federal Register）URLを一次ソースに",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-007",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2025-10-00",
      "date_precision": "month",
      "platform": "DLsite",
      "operator": "株式会社エイシス（viviONグループ）",
      "category": "同人DL販売",
      "scope": "全面",
      "action_type": "代替手段追加",
      "payment_methods": [
        "銀行系"
      ],
      "status": "継続中",
      "stated_reason": "「みんなの銀行」決済を導入（公式告知の要旨）。国内デジタル銀行との直接連携",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.notebookcheck.net/DLsite-uses-digital-bank-to-circumvent-payment-processor-censorship-that-banned-Steam-games.1133556.0.html"
      ],
      "evidence_type": "報道",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-001",
        "PRL-2025-008"
      ],
      "tags": [
        "代替決済",
        "国内決済",
        "迂回"
      ],
      "notes": "国際ブランド迂回の代表例として海外報道の参照点にもなった。国内向け限定である点を明記",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2025-008",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2025-12-00",
      "date_precision": "month",
      "platform": "viviON（DLsite親会社）",
      "operator": "株式会社viviON",
      "category": "同人DL販売",
      "scope": "全面",
      "action_type": "代替手段追加",
      "payment_methods": [
        "JCB"
      ],
      "status": "継続中",
      "stated_reason": "公式クレジットカード（JCBブランド・年会費無料）を発行（公式発表の要旨）",
      "attributed_cause": "ブランド圧力",
      "attribution_confidence": "中",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-001",
        "PRL-2025-007"
      ],
      "tags": [
        "代替決済",
        "JCB依存",
        "自衛策"
      ],
      "notes": "単一ブランド（JCB）依存の自衛策という構造的意味。JCB圧力リスク（Collective Shout書簡で名指し）との緊張関係をnotesで追跡",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2026-001",
      "event_class": "regulatory",
      "tier": "T3",
      "region": [
        "US"
      ],
      "date_announced": "2026-03-26",
      "date_precision": "day",
      "platform": "FTC（米連邦取引委員会）",
      "category": "規制当局",
      "scope": "制度全体",
      "action_type": "規制導入",
      "payment_methods": [
        "—"
      ],
      "status": "継続中",
      "stated_reason": "Visa・Mastercard・PayPal・StripeのCEOに対し、政治的・宗教的立場を理由とする金融サービス拒否（デバンキング）への警告書を送付（FTC発表）",
      "attributed_cause": "政治的動機",
      "attribution_confidence": "中",
      "source_primary": "https://www.ftc.gov/news-events/news/press-releases/2026/03/ftc-chairman-andrew-n-ferguson-issues-warning-letters-ceos-paypal-stripe-visa-mastercard-about-debanking-american-consumers",
      "archive_url": "",
      "source_secondary": [
        "https://www.consumerfinancemonitor.com/2026/04/08/ftc-sends-debanking-letters-to-paypal-stripe-visa-mastercard/"
      ],
      "evidence_type": "当局発表",
      "confidence": "確定",
      "related_ids": [
        "PRL-2025-006"
      ],
      "tags": [
        "デバンキング",
        "米国",
        "規制"
      ],
      "notes": "一次ソース（FTCプレスリリース）取得済み。魚拓が残タスク",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    },
    {
      "id": "PRL-2026-002",
      "event_class": "network_rule",
      "tier": "T3",
      "region": [
        "global"
      ],
      "date_announced": "2026-04-01",
      "date_precision": "day",
      "platform": "Visa（VAMP）",
      "category": "決済ネットワーク",
      "scope": "制度全体",
      "action_type": "ルール改定",
      "payment_methods": [
        "Visa"
      ],
      "status": "継続中",
      "stated_reason": "加盟店『Excessive』閾値を2.2%から1.5%へ引き下げ（米国・カナダ・欧州・AP。LATAMは既に1.5%、CEMEAは2.2%据え置き）。超過加盟店に紛争1件あたり約8米ドルの手数料。分子にTC15紛争を追加",
      "attributed_cause": "",
      "attribution_confidence": "低",
      "source_primary": "https://corporate.visa.com/en/sites/visa-perspectives/security-trust/introducing-visa-acquirer-monitoring-program.html",
      "archive_url": "https://web.archive.org/web/20260628072636/https://corporate.visa.com/en/sites/visa-perspectives/security-trust/introducing-visa-acquirer-monitoring-program.html",
      "source_secondary": [
        "https://recustomer.me/blog/visa-mastercard-rule-changes-2026",
        "https://www.chargeflow.io/blog/vamp-visa-acquirer-monitoring-program",
        "https://blog.basistheory.com/visa-acquirer-monitoring-program-2026-updates",
        "https://justt.ai/blog/visa-vamp-threshold-changes-april-2026/"
      ],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [],
      "tags": [
        "VAMP",
        "ルール改定",
        "先行指標"
      ],
      "notes": "高リスク加盟店の停止リスクを構造的に高める改定。柱3記事の第1候補素材。2025年4月の5プログラム統合時から予定されていた段階的厳格化の第2段階で、アクワイアラ向けAbove Standard料金は2026年1月開始。ファクトシートPDFの魚拓: https://web.archive.org/web/20260708063622/https://corporate.visa.com/content/dam/VCOM/corporate/visa-perspectives/security-and-trust/documents/visa-acquirer-monitoring-program-fact-sheet-2025.pdf 。閾値の数値詳細は業界複数媒体で相互確認。予報F-2026-001の前提レコード",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-05"
    },
    {
      "id": "PRL-2026-003",
      "event_class": "platform_action",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2026-05-19",
      "date_precision": "day",
      "platform": "Fantia",
      "operator": "株式会社虎の穴",
      "category": "クリエイター支援",
      "scope": "成人向けのみ",
      "scope_note": "成人向けのモザイク基準を大幅厳格化（5/25施行・過去作品へ遡及適用）。5/29に2次元ジャンルは新基準策定まで以前の基準へ差し戻し",
      "action_type": "制限強化",
      "payment_methods": [
        "不明"
      ],
      "status": "一部解除",
      "stated_reason": "「関係諸機関より『一部のコンテンツにおける修正・モザイク基準』について、法的な観点から極めて厳格な指導・指摘を受けている状況がございます」（公式告知原文）。修正不足による摘発・有罪判例にも言及",
      "attributed_cause": "当局の法的指導（報道では警察の指摘とされる）",
      "attribution_confidence": "中",
      "source_primary": "https://spotlight.fantia.jp/news/260519_guideline",
      "archive_url": "https://web.archive.org/web/20260721091846/https://spotlight.fantia.jp/news/260519_guideline",
      "source_secondary": [
        "https://onaby.jp/blog/fantia-mosaic-payment-structure-2026",
        "https://news.denfaminicogamer.jp/news/260520h",
        "https://news.denfaminicogamer.jp/news/2605293k"
      ],
      "evidence_type": "公式発表",
      "confidence": "高",
      "related_ids": [
        "PRL-2024-002",
        "PRL-2023-001"
      ],
      "tags": [
        "コンテンツ制限型",
        "モザイク"
      ],
      "notes": "pixiv類型（決済維持のためのコンテンツ側対応）として登録したが、一次ソースは法的指導のみを理由とし決済への言及なし。ブランド圧力帰属を撤回し当局系へ修正（タグ『クレカ検閲』除去・L2承認 2026-W32）。5/19告知→5/25施行予定→5/29差し戻しは同一告知ページに追記の形で履歴化。魚拓は追記後の版",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-05"
    },
    {
      "id": "PRL-2026-004",
      "event_class": "regulatory",
      "tier": "T1",
      "region": [
        "JP"
      ],
      "date_announced": "2026-00-00",
      "date_precision": "year",
      "platform": "経済産業省・金融庁",
      "category": "規制当局",
      "scope": "制度全体",
      "action_type": "働きかけ",
      "payment_methods": [
        "—"
      ],
      "status": "継続中",
      "stated_reason": "国際ブランドへの監督権限の不在（割賦販売法の対象外）が議員協議で確認される。支払留保・チャージバック・契約解除は無規制",
      "attributed_cause": "不明",
      "attribution_confidence": "低",
      "source_primary": "",
      "archive_url": "",
      "source_secondary": [
        "https://www.itmedia.co.jp/news/articles/2503/07/news144.html"
      ],
      "evidence_type": "報道",
      "confidence": "中",
      "related_ids": [
        "PRL-2025-006",
        "PRL-2026-001"
      ],
      "tags": [
        "規制空白",
        "割販法",
        "日本"
      ],
      "notes": "「規制空白」を示す基準レコード。山田議員の公開資料・国会質疑等、日付を特定できる公式記録に差し替えて確定させる（複数レコード分割の可能性）",
      "created_at": "2026-08-04",
      "updated_at": "2026-08-04"
    }
  ]
}