This Act comes into effect as of the date specified by Cabinet Order, within a period not exceeding one year after the date of its promulgation (hereinafter referred to as the "effective date"); provided, however, that the provisions set forth in the following items come into effect as of the day specified in each of those items:

①A person that is engaged in bank agency services as defined in Article 2, paragraph (14) of the Banking Act after the amendment (hereinafter referred to as the "new Banking Act") pursuant to the provisions of Article 1 (hereinafter referred to as "bank agency services") at the time this Act comes into effect (excluding a person that is deemed to have obtained the license referred to in Article 52-36, paragraph (1) of the new Banking Act on the effective date pursuant to the provisions of paragraph (1) of the following Article) may continue to engage in bank agency services during the period of three months after the effective date (if a disposition denying the license as referred to in Article 52-36, paragraph (1) of the new Banking Act is rendered or the discontinuation of bank agency services is ordered pursuant to the provisions of Article 52-56, paragraph (1) of the Act as applied following the deemed replacement of terms pursuant to the provisions of the following paragraph, until the day on which the disposition is rendered or order of discontinuation is issued), notwithstanding the provisions of Article 52-36, paragraph (1) of the new Banking Act. If that person files an application for the license referred to in Article 52-36, paragraph (1) of the new Banking Act within that period and the period has passed, the same applies during the period until the disposition granting or denying the license is rendered.

②If a person continues to engage in bank agency services pursuant to the provisions of the preceding paragraph, the person is deemed to be a bank agent (meaning a bank agent as defined in Article 2, paragraph (15) of the new Banking Act; the same applies hereinafter), and the provisions of Article 13-2, Article 24, Article 25, Article 38, Article 48, Article 52-36, paragraphs (2) and (3), Articles 52-39 through 52-41, Articles 52-43 through 52-56, Articles 52-58 through 52-60, Article 53, paragraph (4), Article 56 (limited to the part related to item (xi)), and Article 57-4, paragraph (2), and the provisions of Chapter IX of the new Banking Act which are related to those provisions apply. In such a case, the term "in any of the following items" in Article 52-56, paragraph (1) of the new Banking Act is deemed to be replaced with "item (iv) or (v) ", and the term "revoke its license referred to in Article 52-36, paragraph (1)" in that paragraph is deemed to be replaced with "order it to discontinue bank agency services".

①A person (other than a bank, etc. prescribed in Article 52-61, paragraph (1) of the new Banking Act) engaging in bank agency services at an agency established under the provisions of Article 8, paragraph (1) of the Banking Act before the amendment pursuant to the provisions of Article 1 (hereinafter referred to as the "former Banking Act") at the time this Act comes into effect is deemed to have obtained the license referred to in Article 52-36, paragraph (1) of the new Banking Act on the effective date, and the provisions of the new Banking Act apply.

②A person that is deemed to have obtained a license pursuant to the provisions of the preceding paragraph must submit a document stating the particulars set forth in the items of Article 52-37, paragraph (1) of the new Banking Act and the documents set forth in the items, paragraph (2) of that Article to the Prime Minister by the last day of the three-month period that begins on the effective date.

③Notwithstanding the provisions of paragraph (1), the provisions of Article 52-39 of the new Banking Act do not apply to a person that is deemed to have obtained a license pursuant to paragraph (1), until the person that is deemed to have obtained the license submits the documents prescribed in the preceding paragraph pursuant to the provisions of that paragraph.

④In applying Article 52-61, paragraph (3) of the new Banking Act to a person engaging in bank agency services at an agency established pursuant to the provisions of Article 8, paragraph (1) of the former Banking Act at the time this Act comes into effect (limited to a bank, etc. prescribed in Article 52-61, paragraph (1) of the new Banking Act; referred to as "bank, etc. engaging in bank agency services" in the following paragraph), the term "if it seeks to engage in bank agency services" in Article 52-61, paragraph (3) of the new Banking Act is deemed to be replaced with "by the last day of the three-month period that begins on the day on which the Act Partially Amending the Banking Act, etc. (Act No. 106 of 2005) comes into effect".

⑤Notwithstanding the provisions of Article 52-61, paragraph (2) of the new Banking Act, the provisions of Article 52-39 of the new Banking Act do not apply to a bank, etc. engaging in bank agency services until the bank, etc. files the notification under the provisions of Article 52-61, paragraph (3) of the new Banking Act as applied following the deemed replacement of terms pursuant to the preceding paragraph.

The provisions of Article 8, paragraph (1) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act) concerning the establishment or discontinuation of a branch office or other business offices, or an agency of a bank (meaning a bank as defined in Article 2, paragraph (1) of the new Banking Act; the same applies hereinafter) or a long-term credit bank (meaning a long-term credit bank as defined in Article 2 of the Long-Term Credit Bank Act after the amendment pursuant to the provisions of Article 2 (hereinafter referred to as the "new Long-Term Credit Bank Act"); the same applies hereinafter) apply to the establishment or discontinuation that takes place on or after the effective date, and prior laws continue to govern the establishment or discontinuation that takes place before the effective date.

The provisions of Article 8, paragraph (2) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act) concerning the establishment or discontinuation of a branch office or other business offices, or an agency in a foreign country by a bank or a long-term credit bank apply to establishment or discontinuation that takes place on or after the effective date, and prior laws continue to govern the establishment or discontinuation that takes place before the effective date.

The provisions of Article 8, paragraph (3) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act) apply to a contract entrusting a person with services in a foreign country, which is concluded on or after the effective date.

The provisions of Article 13-2 of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act, Article 89, paragraph (1) of the Shinkin Bank Act after the amendment pursuant to the provisions of Article 3 (hereinafter referred to as the "new Shinkin Bank Act"); Article 94, paragraph (1) of the Labor Bank Act after the amendment pursuant to the provisions of Article 4 (hereinafter referred to as the "new Labor Bank Act"); and Article 6, paragraph (1) of the Act on Financial Businesses by Cooperative after the amendment pursuant to the provisions of Article 6 (hereinafter referred to as the "new Act on Financial Businesses by Cooperative")) apply to a transaction or an action undertaken by a bank, etc. (meaning a bank, long-term credit bank, Shinkin bank or the federation of Shinkin banks, labor bank or the federation of labor banks, or credit cooperative or the federation of credit cooperatives (meaning a federation of credit cooperatives as defined in Article 2, paragraph (1) of the new Act on Financial Businesses by Cooperative); hereinafter the same applies in this Article and paragraph (2) of the following Article) on or after the effective date, and prior laws continue to govern a transaction or an action undertaken by a bank, etc. before the effective date.

①The provisions of Article 20, Article 52-28, and Article 52-29 of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act) apply to documents prescribed in those provisions for the business year of a bank, long-term credit bank, bank holding company (meaning a bank holding company as defined in Article 2, paragraph (13) of the new Banking Act; hereinafter the same applies in this paragraph and paragraph (3) of the following Article), or long-term credit bank holding company (meaning a long-term credit bank holding company as defined in Article 16-4, paragraph (1) of the new Long-Term Credit Bank Act; hereinafter the same applies in this paragraph and paragraph (3) of the following Article) which starts on or after the effective date, and prior laws continue to govern those documents for the business year of a bank, long-term credit bank, bank holding company or long-term credit bank holding company, which starts before the effective date.

②The provisions of Article 21, paragraphs (1) and (2) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act, Article 89, paragraph (1) of the new Shinkin Bank Act, Article 94, paragraph (1) of the new Labor Bank Act, and Article 6, paragraph (1) of the new Act on Financial Services by Cooperatives) apply to documents referred to in those provisions for the business year of a bank, etc. which starts on or after the effective date, and prior laws continue to govern those documents for the business year of a bank, etc. which starts before the effective date.

①The provisions of Article 52-43 and Article 52-44 of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act, Article 89, paragraph (3) of the new Shinkin Bank Act, Article 94, paragraph (3) of the new Labor Bank Act, and Article 6-5, paragraph (1) of the new Act on Financial Services by Cooperatives) apply to actions specified in Article 2, paragraph (14) of the new Banking Act (including actions specified in Article 16-5, paragraph (2) of the new Long-Term Credit Bank Act, Article 85-2, paragraph (2) of the new Shinkin Bank Act, Article 89-3, paragraph (2) of the new Labor Bank Act, and Article 6-3, paragraph (2) of the new Act on Financial Services by Cooperatives) that are taken on or after the effective date.

②The provisions of Article 52-50 of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act, Article 89, paragraph (3) of the new Shinkin Bank Act, Article 94, paragraph (3) of the new Labor Bank Act, and Article 6-5, paragraph (1) of the new Act on Financial Services by Cooperatives; hereinafter the same applies in this paragraph) apply to the written report prescribed in Article 52-50, paragraph (1) of the new Banking Act for business year of a bank agent, long-term credit bank agent (meaning a long-term credit bank agent as defined in Article 16-5, paragraph (3) of the new Long-Term Credit Bank Act; the same applies hereinafter), Shinkin bank agent (meaning a Shinkin bank agent as defined in Article 85-2, paragraph (3) of the new Shinkin Bank Act; the same applies hereinafter), labor bank agent (meaning a labor bank agent as defined in Article 89-3, paragraph (3) of the new Labor Bank Act; the same applies hereinafter), or credit cooperative agent (meaning a credit cooperative agent as defined in Article 6-3, paragraph (3) of the new Act on Financial Businesses by Cooperative; the same applies hereinafter) which starts on or after the effective date.

③The provisions of Article 52-51 of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act, Article 89, paragraph (3) of the new Shinkin Bank Act, Article 94, paragraph (3) of the new Labor Bank Act, and Article 6-5, paragraph (1) of the new Act on Financial Businesses by Cooperative; hereinafter the same applies in this paragraph) apply to documents prescribed in Article 52-51, paragraph (1) of the new Banking Act for the business year of a principal bank (meaning a principal bank as defined in Article 2, paragraph (16) of the new Banking Act), principal long-term credit bank (meaning a principal long-term credit bank as defined in Article 16-5, paragraph (3) of the new Long-Term Credit Bank Act), principal Shinkin bank (meaning a principal Shinkin bank as defined in Article 85-2, paragraph (3) of the new Shinkin Bank Act), principal labor bank (meaning a principal labor bank as defined in Article 89-3, paragraph (3) of the new Labor Bank Act), or principal credit cooperative (meaning a principal credit cooperative as defined in Article 6-3, paragraph (3) of the new Act on Financial Businesses by Cooperative) which starts on or after the effective date.

①A person who intends to obtain the permission under Article 52-36, paragraph (1) of the new Banking Act, Article 16-5, paragraph (1) of the new Long-Term Credit Bank Act, Article 85-2, paragraph (1) of the new Shinkin Bank Act, Article 89-3, paragraph (1) of the new Labor Bank Act, or Article 6-3, paragraph (1) of the new Act on Financial Businesses by Cooperative may file the application for it even before this Act comes into effect, in accordance with the provisions of Article 52-37 of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act, Article 89, paragraph (3) of the new Shinkin Bank Act, Article 94, paragraph (3) of the new Labor Bank Act, or Article 6-5, paragraph (1) of the new Act on Financial Businesses by Cooperative).

②A person who submits the written application pertaining to an application under the preceding paragraph, or a document that is required to be attached to it, by making a false statement is punished by imprisonment with work for not more than one year or a fine of not more than 3,000,000 yen.

③If the representative of a corporation (including an organization that is not a corporation but whose representative or administrator has been designated; hereinafter the same applies in this paragraph) or the agent, employee, or other worker of a corporation or individual commits the violation set forth in the preceding paragraph in connection with the business or property of that corporation or individual, in addition to the offender being subject to punishment, the corporation is subject to punishment by a fine of not more than 200,000,000 yen, and the individual is subject to punishment by the fine referred to in that paragraph.

④If an organization that is not a corporation is to be punished pursuant to the provisions of the preceding paragraph, in addition to its representative or administrator to represent the organization in procedural acts, the provisions of laws concerning criminal proceedings that have a corporation as the accused or a suspect apply mutatis mutandis.

Unless otherwise provided for in these Supplementary Provisions, a disposition, procedure, or other actions undertaken pursuant to the provisions of the relevant laws (including an order based on those laws; hereinafter the same applies in this Article) before this Act comes into effect, for which corresponding provisions exist in the relevant amended laws, is deemed to be a disposition, procedure, or other actions undertaken pursuant to the corresponding provisions of the relevant amended laws.

Prior laws continue to govern the applicability of penal provisions to acts which a person has committed before this Act comes into effect, as well as to acts which a person commits after this Act comes into effect for which prior laws are to continue to govern pursuant to these Supplementary Provisions.

①The Prime Minister delegates the authority under these Supplementary Provisions (excluding the authority specified by Cabinet Order) to the Commissioner of the Financial Services Agency.

②A part of the authority delegated to the Commissioner of the Financial Services Agency pursuant to the preceding paragraph and a part of the authority of the Minister of Agriculture, Forestry and Fisheries and the Minister of Health, Labour and Welfare under these Supplementary Provisions may be delegated to the Directors-General of Local Finance Bureaus or Local Finance Branch Bureaus (to the heads of local branch offices, for the authority of the Minister of Agriculture, Forestry and Fisheries and the Minister of Health, Labour and Welfare), pursuant to the provisions of Cabinet Order.

Beyond what is provided for in these Supplementary Provisions, Cabinet Order prescribes the transitional measures necessary for the enforcement of this Act.

Once five years have passed after this Act comes into effect, the government is to take into account the implementation status of the provisions amended by this Act and the changes in socioeconomic conditions, review the financial system amended by this Act, and take the required measures based on the results of the review if it finds this to be necessary.