Article 18Banks' and Other Prescribed Financial Institutions' Obligation to Verify the Identities of Their Customers
第十八条（銀行等の本人確認義務等）
When carrying out a funds transfer transaction involving a payment that a customer as stated in one of the following items makes from Japan to a foreign country or a funds transfer transaction involving such a customer making or receiving a payment to or from a non-resident (unless that customer is a non-resident) (excluding a funds transfer transaction that involves the person in question making a small payment or making or receiving a small payment that Cabinet Order prescribes; hereinafter referred to as a "specified funds transfer transaction"), a bank or other prescribed financial institution must verify the information stated in that item (hereinafter referred to as "identifying information") for that customer by having the customer present a driver's license or by any other means that Ministry of Finance Order prescribes (hereinafter referred to as "verifying a person's identity"):
a natural person:the person's name, domicile or residence (or the information prescribed by Ministry of Finance Order, if the person is a foreign national prescribed by Cabinet Order who has neither a domicile nor residence in Japan), and date of birth; and
自然人 氏名、住所又は居所（本邦内に住所又は居所を有しない外国人で政令で定めるものにあつては、財務省令で定める事項）及び生年月日
a corporation:the corporation's name and the location of its principal office.
法人 名称及び主たる事務所の所在地
When a bank or other prescribed financial institution verifies the identity of a customer, if a company's representative is carrying out a specified funds transfer transaction on behalf of that company or in any other such case in which the natural person actually responsible for the specified funds transfer transaction with the bank or other prescribed financial institution is not the customer itself (excluding the cases prescribed in the following paragraph), the bank or other prescribed financial institution must verify the identity of the natural person responsible for the specified funds transfer transaction (referred to as the "representative or other responsible party" in this Article and the following Article), in addition to verifying the identity of the customer.
If a customer is the national government, a local government, an association or foundation without legal personality, or any other person prescribed by Cabinet Order, the natural person who is actually responsible for conducting a specified funds transfer transaction with the bank or other prescribed financial institution on its behalf is deemed to be the customer, and the provisions of paragraph (1) apply.
It is prohibited for a customer (including a natural person deemed to be a customer pursuant to the provisions of the preceding paragraph; hereinafter the same applies in this paragraph through Article 22-3) or a representative or other responsible party to disguise their identifying information from the bank or other prescribed financial institution when that bank or other prescribed financial institution is verifying their identity.
Read this with the articles around it
Japan
「本邦」
Japan for the purposes of this Act and the orders under it: Honshu, Hokkaido, Shikoku, Kyushu and the islands attached to them that an Order of the Ministry of Finance and the Ministry of Economy, Trade and Industry (財務省令・経済産業省令) sets.
Defined inArticle 6, paragraph (1), item (i)
foreign country
「外国」
Any area other than Japan (本邦).
Defined inArticle 6, paragraph (1), item (ii)
non-resident
「非居住者」
A natural person or corporation other than a resident (居住者).
Defined inArticle 6, paragraph (1), item (vi)
making or receiving of a paymentmachine translation
「支払等」
A payment or the receipt of a payment.
Defined inArticle 8, paragraph (1)
bank or other prescribed financial institutionmachine translation
「銀行等」
A bank (銀行) or another financial institution a Cabinet Order (政令) specifies.
Short name set inArticle 16-2, paragraph (1)
identifying information
「本人特定事項」
The details a bank or other prescribed financial institution (銀行等) must verify about a customer: for a natural person, name, domicile or residence and date of birth — for a foreign national without a domicile or residence in Japan of a kind a Cabinet Order (政令) specifies, the matters a Ministry of Finance Order (財務省令) sets in place of domicile or residence — and for a corporation, its name and the location of its principal office.
Short name set inArticle 18, paragraph (1)
verifying a person's identity
「本人確認」
A bank or other prescribed financial institution's (銀行等) check of a customer's identifying information (本人特定事項) by having a driver's licence shown or by another method a Ministry of Finance Order (財務省令) sets.
Short name set inArticle 18, paragraph (1)
specified funds transfer transactioncorrected by this site
「特定為替取引」
A funds transfer transaction (為替取引) a bank or other prescribed financial institution (銀行等) carries out for a customer's payment from Japan to a foreign country or for a payment between the customer and a non-resident (unless the customer is itself a non-resident), other than one for a small payment of a kind a Cabinet Order (政令) sets.
Short name set inArticle 18, paragraph (1)
representative or other responsible party
「代表者等」
In Articles 18 and 18-2, the natural person actually handling a specified funds transfer transaction (特定為替取引) with a bank or other prescribed financial institution (銀行等) where that person is not the customer itself, as when a company's representative carries out the transaction for the company.
Short name set inArticle 18, paragraph (2)· applies only in this article and in Article 18-2