Payment Services Act
資金決済に関する法律
Contents
Read it chapter by chapter; the first chapter follows below. Or read the whole law on one page.
- Chapter I General Provisions第一章 総則Articles 1–2-2 · 3
- Chapter II Prepaid Payment Instruments第二章 前払式支払手段Articles 3–36 · 38
- Chapter III Funds Transfers第三章 資金移動Articles 36-2–62-2 · 38
- Chapter III-2 Electronic Payment Instruments第三章の二 電子決済手段等Articles 62-3–63 · 26
- Chapter III-3 Cryptoassets第三章の三 暗号資産Articles 63-2–63-22 · 27
- Chapter III-4 Electronic Payment Instruments and Cryptoasset Intermediary Services第三章の四 電子決済手段・暗号資産サービス仲介業Articles 63-22-2–63-22-25 · 24
- Chapter IV Funds Transfer Transaction Analysis第四章 為替取引分析Articles 63-23–63-42 · 20
- Chapter IV-2 Clearing Funds Transfer Transactions第四章の二 資金清算Articles 64–86 · 23
- Chapter V Certified Associations for Payment Service Providers第五章 認定資金決済事業者協会Articles 87–98 · 12
- Chapter VI Designated Dispute Resolution Organizations第六章 指定紛争解決機関Articles 99–101 · 3
- Chapter VII Miscellaneous Provisions第七章 雑則Articles 102–106 · 5
- Chapter VIII Penal Provisions第八章 罰則Articles 107–118 · 12
Chapter I General Provisions
第一章 総則
第一条（目的）
The purpose of this Act is to enforce registration and provide other necessary measures with respect to the issuance of prepaid payment instruments, or funds transfer transactions carried out by persons other than deposit-taking institutions, exchange of electronic payment instruments, etc., exchange of cryptoassets, etc., analysis on funds transfer transactions, and the clearing of funds transfer transactions between deposit-taking institutions, in order to ensure the appropriate provision of payment services, and protection of the users, etc. thereof, and to promote the provision of those services, thereby contributing to the improvement of the safety, efficiency, and convenience of the payment and settlement system.
この法律は、資金決済に関するサービスの適切な実施を確保し、その利用者等を保護するとともに、当該サービスの提供の促進を図るため、前払式支払手段の発行、銀行等以外の者が行う為替取引、電子決済手段の交換等、暗号資産の交換等、為替取引に関する分析及び銀行等の間で生じた為替取引に係る債権債務の清算について、登録その他の必要な措置を講じ、もって資金決済システムの安全性、効率性及び利便性の向上に資することを目的とする。
第二条（定義）
The term "issuer of prepaid payment instruments" as used in this Act means an issuer of prepaid payment instruments for its own business as prescribed in Article 3, paragraph (6) and an issuer of prepaid payment instruments for third-party business specified in Article 3, paragraph (7).
The term "funds transfer services" as used in this Act means funds transfer transactions carried out by persons other than deposit-taking institutions in the course of trade.
この法律において「資金移動業」とは、銀行等以外の者が為替取引を業として営むことをいう。
The term "funds transfer service provider" as used in this Act means a person who has been registered referred to in Article 37.
この法律において「資金移動業者」とは、第三十七条の登録を受けた者をいう。
The term "foreign funds transfer service provider" as used in this Act means a person who has been registered and carries out funds transfer transactions in the course of trade in a foreign state, whose registration type is same as the one referred to in Article 37 pursuant to the provisions of laws and regulations of that foreign state comparable to this Act (including other administrative dispositions similar to that registration).
この法律において「外国資金移動業者」とは、この法律に相当する外国の法令の規定により当該外国において第三十七条の登録と同種類の登録（当該登録に類するその他の行政処分を含む。）を受けて為替取引を業として営む者をいう。
The term "electronic payment instrument" as used in this Act means any of the following:
この法律において「電子決済手段」とは、次に掲げるものをいう。
property value (limited to currency-denominated assets recorded on an electronic device or any other object by electronic means, and excluding securities, the electronically recorded monetary claims prescribed in Article 2, paragraph (1) of the Electronically Recorded Monetary Claims Act (Act No. 102 of 2007), the prepaid payment instruments prescribed in Article 3, paragraph (1), and assets specified by Cabinet Office Order as being similar to these (excluding those specified by Cabinet Office Order in consideration of transferability and other factors); the same applies in the following item) which can be used in relation to unspecified persons for the purpose of paying consideration for the purchase or leasing of goods, etc. or the receipt of provision of services and can also be purchased from and sold to unspecified persons acting as counterparties, and which can be transferred by using an electronic data processing system (excluding those falling under the category set forth in item (iii)); and
物品等を購入し、若しくは借り受け、又は役務の提供を受ける場合に、これらの代価の弁済のために不特定の者に対して使用することができ、かつ、不特定の者を相手方として購入及び売却を行うことができる財産的価値（電子機器その他の物に電子的方法により記録されている通貨建資産に限り、有価証券、電子記録債権法（平成十九年法律第百二号）第二条第一項に規定する電子記録債権、第三条第一項に規定する前払式支払手段その他これらに類するものとして内閣府令で定めるもの（流通性その他の事情を勘案して内閣府令で定めるものを除く。）を除く。次号において同じ。）であって、電子情報処理組織を用いて移転することができるもの（第三号に掲げるものに該当するものを除く。）
property value which can be mutually exchanged with what is set forth in the preceding item with unspecified persons acting as counterparties, and which can be transferred by using an electronic data processing system (excluding those falling under the category set forth in the following item);
specified beneficial interest in a trust; and
anything specified by Cabinet Office Order as being equivalent to what is set forth in the preceding three items.
前三号に掲げるものに準ずるものとして内閣府令で定めるもの
The term "goods, etc." as used in this Act means goods and other property value (excluding the Japanese currency and foreign currencies).
この法律において「物品等」とは、物品その他の財産的価値（本邦通貨及び外国通貨を除く。）をいう。
The term "currency-denominated assets" as used in this Act means assets which are denominated in the Japanese currency or a foreign currency, or for which performance of obligations, refund, or anything equivalent thereto (hereinafter referred to as "performance of obligations, etc." in this paragraph) is supposed to be made in the Japanese currency or a foreign currency. In this case, assets for which performance of obligations, etc. is supposed to be made by means of currency-denominated assets are deemed to be currency-denominated assets.
この法律において「通貨建資産」とは、本邦通貨若しくは外国通貨をもって表示され、又は本邦通貨若しくは外国通貨をもって債務の履行、払戻しその他これらに準ずるもの（以下この項において「債務の履行等」という。）が行われることとされている資産をいう。この場合において、通貨建資産をもって債務の履行等が行われることとされている資産は、通貨建資産とみなす。
The term "securities" as used in this Act means the securities prescribed in Article 2, paragraph (1) of the Financial Instruments and Exchange Act (Act No. 25 of 1948) or rights that are deemed to be securities pursuant to the provisions of paragraph (2) of that Article (excluding those falling under the category of electronically recorded monetary claims prescribed in Article 2, paragraph (1) of the Electronically Recorded Monetary Claims Act).
この法律において「有価証券」とは、金融商品取引法（昭和二十三年法律第二十五号）第二条第一項に規定する有価証券又は同条第二項の規定により有価証券とみなされる権利（電子記録債権法第二条第一項に規定する電子記録債権に該当するものを除く。）をいう。
The term "specified trust beneficial interest" as used in this Act means a beneficial interest in a money trust (limited to cases where it is indicated on a property value (limited to one that is recorded on an electronic device or any other object by electronic means) which can be transferred by using an electronic data processing system), for which the ratio of the amount managed by means of deposits or savings to the total amount of money accepted by the trustee under a trust agreement is the ratio specified by Cabinet Office Order or more, for which the amount of that total amount of money other than the amount managed by means of those deposits or savings is invested by holding national government bond certificates specified by Cabinet Office Order or other bond certificates specified by Cabinet Office Order (including transfer bonds prescribed in Article 278, paragraph (1) of the Act on Book-Entry Transfer of Corporate Bonds and Shares (Act No. 75 of 2001)), and which satisfies other requirements specified by Cabinet Office Order.
この法律において「特定信託受益権」とは、金銭信託の受益権（電子情報処理組織を用いて移転することができる財産的価値（電子機器その他の物に電子的方法により記録されるものに限る。）に表示される場合に限る。）であって、受託者が信託契約により受け入れた金銭の総額のうち預貯金により管理する額の当該金銭の総額に占める割合が内閣府令で定める割合以上であること、当該金銭の総額のうち当該預貯金により管理する額以外の額を内閣府令で定める国債証券その他の内閣府令で定める債券（社債、株式等の振替に関する法律（平成十三年法律第七十五号）第二百七十八条第一項に規定する振替債を含む。）の保有により運用するものであることその他内閣府令で定める要件を満たすものをいう。
The term "electronic payment instruments services" as used in this Act means carrying out any of the following acts in the course of trade, the term "exchange of electronic payment instruments, etc." as used in this Act means the act set forth in item (i) or (ii), and the term "management of electronic payment instruments" as used in this Act means the act set forth in item (iii):
purchase and sale of an electronic payment instrument or exchange with another electronic payment instrument;
電子決済手段の売買又は他の電子決済手段との交換
intermediary, brokerage or agency services for the act set forth in the preceding item;
前号に掲げる行為の媒介、取次ぎ又は代理
management of electronic payment instruments on behalf of another person (excluding that specified by Cabinet Office Order as being less likely to weaken the protection of users in consideration of their content and other related factors);
他人のために電子決済手段の管理をすること（その内容等を勘案し、利用者の保護に欠けるおそれが少ないものとして内閣府令で定めるものを除く。）。
an act, as entrusted by a funds transfer service provider, of entering into an agreement with a user (limited to a person that has concluded a contract with the funds transfer service provider under which funds transfer transactions are carried out on an ongoing or recurring basis) to carry out any of the following by means of using an electronic data processing system, and increasing or decreasing the amount of claims pertaining to obligations relating to funds transfer transactions based on the agreement, on behalf of the funds transfer service provider:
資金移動業者の委託を受けて、当該資金移動業者に代わって利用者（当該資金移動業者との間で為替取引を継続的に又は反復して行うことを内容とする契約を締結している者に限る。）との間で次に掲げる事項のいずれかを電子情報処理組織を使用する方法により行うことについて合意をし、かつ、当該合意に基づき為替取引に関する債務に係る債権の額を増加させ、又は減少させること。
transferring funds based on the contract, and decreasing the amount of claims pertaining to obligations relating to funds transfer transactions by an amount equivalent to the amount of the transferred funds; or
当該契約に基づき資金を移動させ、当該資金の額に相当する為替取引に関する債務に係る債権の額を減少させること。
increasing the amount of claims pertaining to obligations relating to funds transfer transactions by an amount equivalent to the amount of funds received through a funds transfer transaction.
為替取引により受け取った資金の額に相当する為替取引に関する債務に係る債権の額を増加させること。
The term "electronic payment instruments-related business" as used in this Act means exchange of electronic payment instruments, etc. or management of electronic payment instruments.
この法律において「電子決済手段関連業務」とは、電子決済手段の交換等又は電子決済手段の管理をいう。
The term "electronic payment instruments service provider" as used in this Act means a person who has been registered referred to in Article 62-3.
この法律において「電子決済手段等取引業者」とは、第六十二条の三の登録を受けた者をいう。
The term "foreign electronic payment instruments service provider" as used in this Act means a person who has been registered and carries out electronic payment instruments services in a foreign state, whose registration type is same as the one referred to in Article 62-3, pursuant to the provisions of laws and regulations of that foreign state comparable to this Act (including other administrative dispositions similar to that registration) or a person who engages in the act equivalent to the act set forth in paragraph (10), item (iv) in the course of trade based on laws and regulations of that foreign state.
この法律において「外国電子決済手段等取引業者」とは、この法律に相当する外国の法令の規定により当該外国において第六十二条の三の登録と同種類の登録（当該登録に類するその他の行政処分を含む。）を受けて電子決済手段等取引業を行う者又は当該外国の法令に準拠して第十項第四号に掲げる行為に相当する行為を業として行う者をいう。
The term "cryptoasset" as used in this Act means any of the following; provided, however, that those indicating the rights prescribed in Article 29-2, paragraph (1), item (viii) of the Financial Instruments and Exchange Act are excluded:
この法律において「暗号資産」とは、次に掲げるものをいう。ただし、金融商品取引法第二十九条の二第一項第八号に規定する権利を表示するものを除く。
property value (limited to that which is recorded on an electronic device or any other object by electronic means, and excluding the Japanese currency, foreign currencies, currency-denominated assets, and electronic payment instruments (excluding those falling under the category of currency-denominated assets); the same applies in the following item) which can be used in relation to unspecified persons for the purpose of paying consideration for the purchase or leasing of goods, etc. or the receipt of provision of services and can also be purchased from and sold to unspecified persons acting as counterparties, and which can be transferred by using an electronic data processing system; and
property value which can be mutually exchanged with what is set forth in the preceding item with unspecified persons acting as counterparties, and which can be transferred by using an electronic data processing system.
不特定の者を相手方として前号に掲げるものと相互に交換を行うことができる財産的価値であって、電子情報処理組織を用いて移転することができるもの
The term "cryptoasset exchange services" as used in this Act means carrying out any of the following acts in the course of trade, the term "exchange of cryptoassets, etc." as used in this Act means the act set forth in item (i) or (ii), and the term "management of cryptoassets" as used in this Act means the act set forth in item (iv):
purchase and sale of a cryptoasset or exchange with another cryptoasset;
暗号資産の売買又は他の暗号資産との交換
intermediary, brokerage or agency services for the act set forth in the preceding item;
前号に掲げる行為の媒介、取次ぎ又は代理
management of users' money, carried out by persons in connection with their acts set forth in the preceding two items; and
その行う前二号に掲げる行為に関して、利用者の金銭の管理をすること。
management of cryptoassets on behalf of another person (excluding cases where the relevant management in the course of trade is governed by special provisions of other Acts).
他人のために暗号資産の管理をすること（当該管理を業として行うことにつき他の法律に特別の規定のある場合を除く。）。
The term "cryptoasset exchange service provider" as used in this Act means a person who has been registered referred to in Article 63-2.
この法律において「暗号資産交換業者」とは、第六十三条の二の登録を受けた者をいう。
The term "foreign cryptoasset exchange service provider" as used in this Act means a person who has been registered and carries out cryptoasset exchange services in a foreign state, whose registration type is same as the one referred to in Article 63-2, pursuant to the provisions of laws and regulations of that foreign state comparable to this Act (including other administrative dispositions similar to that registration).
The term "electronic payment instruments and cryptoasset intermediary services" as used in this Act means carrying out any of the following acts in the course of trade, the term "electronic payment instruments intermediary act" as used in this Act means the act set forth in item (i), and the term "cryptoasset intermediary act" as used in this Act means the act set forth in item (ii):
a person other than an electronic payment instruments service provider, as entrusted by an electronic payment instruments service provider, acting as an intermediary in the purchase and sale of an electronic payment instrument or exchange with another electronic payment instrument for that electronic payment instruments service provider;
電子決済手段等取引業者以外の者が、電子決済手段等取引業者の委託を受けて、電子決済手段の売買又は他の電子決済手段との交換の媒介を当該電子決済手段等取引業者のために行うこと。
a person other than a cryptoasset exchange service provider, as entrusted by a cryptoasset exchange service provider, acting as an intermediary in the purchase and sale of a cryptoasset or exchange with another cryptoasset for that cryptoasset exchange service provider.
The term "electronic payment instruments and cryptoasset intermediary service provider" as used in this Act means a person who has been registered referred to in Article 63-22-2.
この法律において「電子決済手段・暗号資産サービス仲介業者」とは、第六十三条の二十二の二の登録を受けた者をいう。
The term "foreign electronic payment instruments and cryptoasset intermediary service provider" as used in this Act means a person who has been registered and carries out electronic payment instruments and cryptoasset intermediary services in a foreign state, whose registration type is same as the one referred to in Article 63-22-2, pursuant to the provisions of laws and regulations of that foreign state comparable to this Act (including other administrative dispositions similar to that registration), or a person who carries out, in the course of trade, an act equivalent to any of the acts set forth in the items of paragraph (18) in conformity with the laws and regulations of that foreign state.
この法律において「外国電子決済手段・暗号資産サービス仲介業者」とは、この法律に相当する外国の法令の規定により当該外国において第六十三条の二十二の二の登録と同種類の登録（当該登録に類するその他の行政処分を含む。）を受けて電子決済手段・暗号資産サービス仲介業を行う者又は当該外国の法令に準拠して第十八項各号に掲げる行為のいずれかに相当する行為を業として行う者をいう。
The term "funds transfer transaction analysis services" as used in this Act means engaging in any of the following acts, as entrusted by multiple financial institutions, etc. (meaning banks and other persons specified by Cabinet Order; the same applies hereinafter), with regard to funds transfer transactions (including transactions specified by order of the competent ministry as being equivalent thereto; hereinafter the same applies in this paragraph and Chapter IV) carried out by the financial institutions, etc.:
この法律において「為替取引分析業」とは、複数の金融機関等（銀行等その他の政令で定める者をいう。以下同じ。）の委託を受けて、当該金融機関等の行う為替取引（これに準ずるものとして主務省令で定めるものを含む。以下この項及び第四章において同じ。）に関し、次に掲げる行為のいずれかを業として行うことをいう。
analyzing whether the relevant funds transfer transaction constitutes a funds transfer transaction related to the payment or receipt of payment (meaning the payment or receipt of payment prescribed in Article 8 of the Foreign Exchange and Foreign Trade Act (Act No. 228 of 1949)) set forth in the items of Article 17 of that Act (including as applied mutatis mutandis pursuant to Article 17-3 of that Act and other provisions specified by Cabinet Order), and notifying the financial institutions, etc. of the analysis results;
当該為替取引が外国為替及び外国貿易法（昭和二十四年法律第二百二十八号）第十七条各号（同法第十七条の三その他政令で定める規定において準用する場合を含む。）に掲げる支払等（同法第八条に規定する支払等をいう。）に係る為替取引に該当するかどうかを分析し、その結果を当該金融機関等に通知すること。
analyzing whether the relevant funds transfer transaction constitutes a funds transfer transaction related to a person subject to asset freezing, etc. prescribed in Article 9 of the Act on Special Measures Concerning Freezing of Assets Implemented by Japan in Light of the United Nations Security Council Resolution 1267 (Act No. 124 of 2014) or a person specified by order of the competent ministry as being equivalent thereto, and notifying the financial institutions, etc. of the analysis results; and
当該為替取引が国際連合安全保障理事会決議第千二百六十七号等を踏まえ我が国が実施する財産の凍結等に関する特別措置法（平成二十六年法律第百二十四号）第九条に規定する財産凍結等対象者その他これに準ずる者として主務省令で定める者に係る為替取引に該当するかどうかを分析し、その結果を当該金融機関等に通知すること。
conducting analysis as required when making a determination under the provisions of Article 8, paragraph (1) of the Act on Prevention of Transfer of Criminal Proceeds (Act No. 22 of 2007) regarding the relevant funds transfer transaction, etc., and notifying the financial institutions, etc. of the analysis results.
当該為替取引について犯罪による収益の移転防止に関する法律（平成十九年法律第二十二号）第八条第一項の規定による判断を行うに際し必要となる分析を行い、その結果を当該金融機関等に通知すること。
The term "funds transfer transaction analysis service provider" as used in this Act means a person who has obtained the license referred to in Article 63-23.
この法律において「為替取引分析業者」とは、第六十三条の二十三の許可を受けた者をいう。
The term "clearing services for interbank funds transfer" as used in this Act means acts of bearing obligations under funds transfer transactions arising between deposit-taking institutions in the course of trade by way of the assumption of an obligation, novation or other means for the purpose of clearing claims and debts relating to the funds transfer transactions.
この法律において「資金清算業」とは、為替取引に係る債権債務の清算のため、債務の引受け、更改その他の方法により、銀行等の間で生じた為替取引に基づく債務を負担することを業として行うことをいう。
The term "clearing institution for interbank funds transfer" as used in this Act means a person who has obtained the license referred to in Article 64, paragraph (1).
この法律において「資金清算機関」とは、第六十四条第一項の免許を受けた者をいう。
The term "certified association for payment service providers" as used in this Act means a general incorporated association that has been certified pursuant to the provisions of Article 87.
この法律において「認定資金決済事業者協会」とは、第八十七条の規定による認定を受けた一般社団法人をいう。
The term "designated dispute resolution organization" as used in this Act means a person who has been designated pursuant to the provisions of Article 99, paragraph (1).
この法律において「指定紛争解決機関」とは、第九十九条第一項の規定による指定を受けた者をいう。
The term "dispute resolution services" as used in this Act means services involved in complaint processing procedures (meaning procedures for processing complaints concerning funds transfer services (excluding the specified funds transfer services prescribed in Article 36-2, paragraph (4); hereinafter the same applies in this paragraph), electronic payment instruments services, cryptoasset exchange services or electronic payment instruments and cryptoasset intermediary services) and dispute resolution procedures (meaning procedures for resolving a dispute concerning funds transfer services, electronic payment instruments services, cryptoasset exchange services or electronic payment instruments and cryptoasset intermediary services between parties who agree to seek a settlement without following litigation proceedings; hereinafter the same applies except in Article 100, paragraph (3)), as well as services incidental thereto.
この法律において「紛争解決等業務」とは、苦情処理手続（資金移動業（第三十六条の二第四項に規定する特定資金移動業を除く。以下この項において同じ。）、電子決済手段等取引業、暗号資産交換業又は電子決済手段・暗号資産サービス仲介業に関する苦情を処理する手続をいう。）及び紛争解決手続（資金移動業、電子決済手段等取引業、暗号資産交換業又は電子決済手段・暗号資産サービス仲介業に関する紛争で当事者が和解をすることができるものについて訴訟手続によらずに解決を図る手続をいう。第百条第三項を除き、以下同じ。）に係る業務並びにこれに付随する業務をいう。
The term "categories of dispute resolution services" as used in this Act means categories of funds transfer business (meaning businesses involved in funds transfer transactions carried out by a funds transfer service provider; the same applies in Article 51-4, paragraph (1), item (i)), electronic payment instruments business (meaning businesses involved in any of the acts set forth in the items of paragraph (10) performed by an electronic payment instruments service provider and businesses involved in the electronic payment instruments intermediary act performed by an electronic payment instruments and cryptoasset intermediary service provider; the same applies in Article 62-16, paragraph (1), item (i)), or cryptoasset exchange business (meaning businesses involved in any of the acts set forth in the items of paragraph (15) performed by a cryptoasset exchange service provider and businesses involved in the cryptoasset intermediary act performed by an electronic payment instruments and cryptoasset intermediary service provider; the same applies in Article 63-12, paragraph (1), item (i)) which are related to dispute resolution services.
この法律において「紛争解決等業務の種別」とは、紛争解決等業務に係る資金移動業務（資金移動業者が営む為替取引に係る業務をいう。第五十一条の四第一項第一号において同じ。）、電子決済手段等取引業務（電子決済手段等取引業者が行う第十項各号に掲げる行為に係る業務及び電子決済手段・暗号資産サービス仲介業者が行う電子決済手段仲介行為に係る業務をいう。第六十二条の十六第一項第一号において同じ。）及び暗号資産交換業務（暗号資産交換業者が行う第十五項各号に掲げる行為に係る業務及び電子決済手段・暗号資産サービス仲介業者が行う暗号資産仲介行為に係る業務をいう。第六十三条の十二第一項第一号において同じ。）の種別をいう。
The term a "trust company, etc." as used in this Act means a trust company prescribed in Article 2, paragraph (2) of the Trust Business Act (Act No. 154 of 2004) or a foreign trust company prescribed in paragraph (6) of that Article, or a financial institution that has obtained the authorization referred to in Article 1, paragraph (1) of the Act on Engagement in Trust Business by Financial Institutions (Act No. 43 of 1943) (referred to as a "trust bank, etc." in the following paragraph).
この法律において「信託会社等」とは、信託業法（平成十六年法律第百五十四号）第二条第二項に規定する信託会社若しくは同条第六項に規定する外国信託会社又は金融機関の信託業務の兼営等に関する法律（昭和十八年法律第四十三号）第一条第一項の認可を受けた金融機関（次項において「信託銀行等」という。）をいう。
The term "specified trust company" as used in this Act means a trust company, etc. issuing specified beneficial interests in a trust (excluding a trust bank, etc.), which is specified by Cabinet Order.
The term "funds transfer transaction in specified trusts" as used in this Act means a funds transfer transaction carried out through the issuance of beneficial interests in a trust.
この法律において「特定信託為替取引」とは、特定信託受益権の発行による為替取引をいう。
The term "deposit-taking institutions" as used in this Act means any of the following persons:
この法律において「銀行等」とは、次に掲げる者をいう。
a bank specified in Article 2, paragraph (1) of the Banking Act (Act No. 59 of 1981);
銀行法（昭和五十六年法律第五十九号）第二条第一項に規定する銀行
a long-term credit bank specified in Article 2 of the Long-Term Credit Bank Act (Act No. 187 of 1952);
長期信用銀行法（昭和二十七年法律第百八十七号）第二条に規定する長期信用銀行
a credit union;
信用金庫
a federation of shinkin banks;
信用金庫連合会
a labor bank;
労働金庫
a federation of labor banks;
労働金庫連合会
a credit cooperative;
信用協同組合
a federation of credit cooperatives that engages in the business referred to in Article 9-9, paragraph (1), item (i) of the Small and Medium Sized Enterprise Cooperatives Act (Act No. 181 of 1949);
中小企業等協同組合法（昭和二十四年法律第百八十一号）第九条の九第一項第一号の事業を行う協同組合連合会
an agricultural cooperative that engages in the business referred to in Article 10, paragraph (1), item (iii) of the Agricultural Cooperatives Act (Act No. 132 of 1947);
農業協同組合法（昭和二十二年法律第百三十二号）第十条第一項第三号の事業を行う農業協同組合
a federation of agricultural cooperatives that engages in the business referred to in Article 10, paragraph (1), item (iii) of the Agricultural Cooperatives Act;
農業協同組合法第十条第一項第三号の事業を行う農業協同組合連合会
a fisheries cooperative that engages in the business referred to in Article 11, paragraph (1), item (iv) of the Fisheries Cooperatives Act (Act No. 242 of 1948);
水産業協同組合法（昭和二十三年法律第二百四十二号）第十一条第一項第四号の事業を行う漁業協同組合
a federation of fisheries cooperatives that engages in the business referred to in Article 87, paragraph (1), item (iv) of the Fisheries Cooperatives Act;
水産業協同組合法第八十七条第一項第四号の事業を行う漁業協同組合連合会
a fishery processing cooperative that engages in the business referred to in Article 93, paragraph (1), item (ii) of the Fisheries Cooperatives Act;
水産業協同組合法第九十三条第一項第二号の事業を行う水産加工業協同組合
a federation of fishery processing cooperatives that engages in the business referred to in Article 97, paragraph (1), item (ii) of the Fisheries Cooperatives Act;
水産業協同組合法第九十七条第一項第二号の事業を行う水産加工業協同組合連合会
the Norinchukin Bank; and
農林中央金庫
the Shoko Chukin Bank Limited.
株式会社商工組合中央金庫
The term "petition for commencement of bankruptcy proceedings, etc." as used in this Act means a petition for commencement of bankruptcy proceedings, rehabilitation proceedings, reorganization proceedings or special liquidation, or a petition for recognition of foreign insolvency proceedings (including filing of a petition equivalent thereto under laws and regulations of a foreign state).
この法律において「破産手続開始の申立て等」とは、破産手続開始の申立て、再生手続開始の申立て、更生手続開始の申立て、特別清算開始の申立て又は外国倒産処理手続の承認の申立て（外国の法令上これらに相当する申立てを含む。）をいう。
The term "Banking Act, etc." as used in this Act means any of the following: the Banking Act, the Long-Term Credit Bank Act, the Shinkin Bank Act (Act No. 238 of 1951), the Labor Bank Act (Act No. 227 of 1953), the Small and Medium Sized Enterprise. Cooperatives Act, the Act on Financial Businesses by Cooperative (Act No. 183 of 1949), the Agricultural Cooperatives Act, the Fisheries Cooperatives Act, the Norinchukin Bank Act (Act No. 93 of 2001) and the Shoko Chukin Bank Limited Act (Act No. 74 of 2007).
この法律において「銀行法等」とは、銀行法、長期信用銀行法、信用金庫法（昭和二十六年法律第二百三十八号）、労働金庫法（昭和二十八年法律第二百二十七号）、中小企業等協同組合法、協同組合による金融事業に関する法律（昭和二十四年法律第百八十三号）、農業協同組合法、水産業協同組合法、農林中央金庫法（平成十三年法律第九十三号）又は株式会社商工組合中央金庫法（平成十九年法律第七十四号）をいう。
第二条の二
An act of receiving funds, or having another person receive funds, by means of entrustment from a person who has a monetary claim (hereinafter referred to as a "beneficiary" in this Article) (including, in the case of an act of transferring funds from Japan to a foreign state or from a foreign state to Japan, entrustment under multi-tier entrustment arrangements), acquisition of the monetary claim from the beneficiary, or other method similar to these, as performance from the debtor pertaining to that monetary claim or a person who makes a payment under entrustment from that debtor (including those under multi-tier entrustment arrangements; the same applies hereinafter in this Article) or by other similar method (hereinafter referred to as the "debtor, etc." in this Article), and delivering those funds to that beneficiary or a person who receives payment under entrustment from that beneficiary or by other similar method (hereinafter referred to as the "beneficiary, etc." in this Article), thereby transferring those funds from the debtor, etc. to the beneficiary, etc. (excluding an act of transferring those funds from the debtor, etc. to the beneficiary, etc. by receiving cash from the debtor, etc. and delivering that cash to the beneficiary, etc.), which falls under any of the following items, is deemed to fall under the categories of funds transfer transactions:
金銭債権を有する者（以下この条において「受取人」という。）からの委託（国内から国外へ向けて資金を移動させ、又は国外から国内へ向けて資金を移動させる行為に係る場合にあっては、二以上の段階にわたる委託を含む。）、受取人からの金銭債権の譲受けその他これらに類する方法により、当該金銭債権に係る債務者又は当該債務者からの委託（二以上の段階にわたる委託を含む。以下この条において同じ。）その他これに類する方法により支払を行う者（以下この条において「債務者等」という。）から弁済として資金を受け入れ、又は他の者に受け入れさせ、当該受取人又は当該受取人からの委託その他これに類する方法により支払を受ける者（以下この条において「受取人等」という。）に当該資金を引き渡すことによって、債務者等から受取人等に当該資金を移動させる行為（債務者等から現金の交付を受け、当該現金を受取人等に交付することにより当該資金を債務者等から受取人等に移動させる行為を除く。）であって、次の各号のいずれかに該当するものは、為替取引に該当するものとする。
an act (excluding an act falling under the following item) that satisfies the requirements specified by Cabinet Office Order, including that the beneficiary is an individual (excluding an individual in the case where the individual serves as a beneficiary as a business or for the purpose of business);
an act of transferring funds from Japan to a foreign state or from a foreign state to Japan (excluding that specified by Cabinet Office Order as being less likely to weaken the protection of users in consideration of the manner of the act and other circumstances).
国内から国外へ向けて資金を移動させ、又は国外から国内へ向けて資金を移動させる行為（当該行為の態様その他の事情を勘案し、利用者の保護に欠けるおそれが少ないものとして内閣府令で定めるものを除く。）