Section 1 General Rules
第一節 通則
第五十二条の三十六（許可）
A person may not perform bank agency services unless licensed by the Prime Minister to do so.
銀行代理業は、内閣総理大臣の許可を受けた者でなければ、営むことができない。
A bank agent may not perform bank agency services unless entrusted by a principal bank to do so, or unless further entrusted to do so by a bank agent that has been entrusted to do so by a principal bank.
A bank agent may not further entrust a person with bank agency services unless it obtains the approval of the principal bank to do so in advance.
Article 52-37Application for a License
第五十二条の三十七（許可の申請）
A person seeking to obtain a license referred to in paragraph (1) of the preceding Article (hereinafter referred to as an "applicant" in paragraph (1) of the following Article and Article 52-42, paragraph (4)) must submit a written application that states the following particulars to the Prime Minister:
前条第一項の許可を受けようとする者（次条第一項及び第五十二条の四十二第四項において「申請者」という。）は、次に掲げる事項を記載した申請書を内閣総理大臣に提出しなければならない。
the trade name or name of the applicant;
商号、名称又は氏名
if the applicant is a corporation, the names of its officers;
法人であるときは、その役員の氏名
the name and location of the applicant's business offices and other offices at which the bank agency services are to be performed;
銀行代理業を営む営業所又は事務所の名称及び所在地
the trade name of the principal bank;
所属銀行の商号
if the applicant conducts other business, the type of that business; and
他に業務を営むときは、その業務の種類
other particulars specified by Cabinet Office Order.
その他内閣府令で定める事項
The following documents must be attached to the written application referred to in the preceding paragraph.
前項の申請書には、次に掲げる書類を添付しなければならない。
if the applicant is a corporation, the articles of incorporation and certificate of registered information (or documents equivalent to them);
法人であるときは、定款及び登記事項証明書（これらに準ずるものを含む。）
documents stating the things specified by Cabinet Office Order as the content of business and business methods of bank agency services; and
銀行代理業の業務の内容及び方法として内閣府令で定めるものを記載した書類
other documents specified by Cabinet Office Order.
その他内閣府令で定める書類
Article 52-38Criteria for License
第五十二条の三十八（許可の基準）
When an application is filed for the license referred to in Article 52-36, paragraph (1), the Prime Minister must examine whether the applicant meets the following criteria:
内閣総理大臣は、第五十二条の三十六第一項の許可の申請があつたときは、申請者が次に掲げる基準に適合するかどうかを審査しなければならない。
the applicant has the financial basis that is found to be necessary for performing bank agency services that meets the criteria specified by Cabinet Office Order;
銀行代理業を遂行するために必要と認められる内閣府令で定める基準に適合する財産的基礎を有する者であること。
in light of its personnel structure, the applicant has the ability necessary to perform bank agency services appropriately, fairly, and efficiently, and has sufficient social credibility; and
人的構成等に照らして、銀行代理業を的確、公正かつ効率的に遂行するために必要な能力を有し、かつ、十分な社会的信用を有する者であること。
other business which the applicant conducts is unlikely to prevent the applicant from performing bank agency services properly and reliably.
他に業務を営むことによりその銀行代理業を適正かつ確実に営むことにつき支障を及ぼすおそれがあると認められない者であること。
If the Prime Minister finds it to be necessary in the public interest in light of the criteria of the examination pursuant to the provisions of the preceding paragraph, the Prime Minister may, to the extent necessary, attach conditions on the content of bank agency services or other particulars to the license referred to in Article 52-36, paragraph (1), and may change those conditions.
内閣総理大臣は、前項の規定による審査の基準に照らし公益上必要があると認めるときは、その必要の限度において、第五十二条の三十六第一項の許可に銀行代理業の業務の内容その他の事項について条件を付し、及びこれを変更することができる。
Article 52-39Notification of Changes
第五十二条の三十九（変更の届出）
Except in cases specified by the Cabinet Office Order, if a particular set forth in any of the items of Article 52-37, paragraph (1) changes, the bank agent must file a notification to that effect with the Prime Minister, within 30 days after the day on which the change occurred, pursuant to the provisions of Cabinet Office Order.
銀行代理業者は、第五十二条の三十七第一項各号に掲げる事項に変更があつたときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、その日から三十日以内に、その旨を内閣総理大臣に届け出なければならない。
When seeking to change a particular prescribed in the document set forth in Article 52-37, paragraph (2), item (ii), a bank agent must file a notification to that effect with the Prime Minister, pursuant to the provisions of Cabinet Office Order.
銀行代理業者は、第五十二条の三十七第二項第二号に掲げる書類に定めた事項を変更しようとするときは、内閣府令で定めるところにより、あらかじめ、その旨を内閣総理大臣に届け出なければならない。
Article 52-40Posting Signs, etc.
第五十二条の四十（標識の掲示等）
A bank agent must post a sign in the form specified by Cabinet Office Order in a place easily seen by the public at each of its business offices and other offices where the bank agent performs bank agency services.
A bank agent must, pursuant to the provisions of Cabinet Office Order, make its trade name or name or full name, permission number, the trade name of the principal bank, and other particulars specified by Cabinet Office Order available for public inspection by automatic public transmission conducted by connecting to a telecommunications line; provided, however, that this does not apply if the scale of its business is extremely small or in any other case specified by Cabinet Office Order.
It is prohibited for a person other than a bank agent to post the sign referred to in paragraph (1) or a sign similar to the sign.
Article 52-41Prohibition on Lending of One's Name
第五十二条の四十一（名義貸しの禁止）
A bank agent must not allow another person to engage in bank agency services using their name.
Section 2 Services
第二節 業務
Article 52-42Scope of Services
第五十二条の四十二（業務の範囲）
In addition to bank agency services and services incidental to bank agency services, a bank agent may perform other services with the approval of the Prime Minister.
When an application is filed for the approval referred to in the preceding paragraph, the Prime Minister may choose not to grant the approval only for cases in which it is found that conducting the services related to the application is likely to interfere with the proper and reliable performance of bank agency services.
A bank agent may not conduct services other than those conducted pursuant to the provisions of paragraph (1).
If a written application for the license referred to in Article 52-36, paragraph (1) states that the applicant will conduct services other than bank agency services and services incidental to them, and the applicant obtains that license, the applicant is deemed to have obtained the approval referred to in paragraph (1) for those services.
第五十二条の三十六第一項の許可の申請書に申請者が銀行代理業及び銀行代理業に付随する業務以外の業務を営む旨の記載がある場合において、当該申請者が当該許可を受けたときには、当該業務を営むことについて第一項の承認を受けたものとみなす。
Article 52-43Separate Management
第五十二条の四十三（分別管理）
When a bank agent receives delivery of money or other properties from a customer in connection with an action set forth in any of the items of Article 2, paragraph (14) (hereinafter referred to as "activity as a bank agent" in this Chapter), the bank agent must manage the money or other properties separately from its own property, pursuant to the provisions of Cabinet Office Order.
Article 52-44Explanation to Customers
第五十二条の四十四（顧客に対する説明等）
Before engaging in activities as a bank agent, a bank agent must disclose the following information to the customer:
the trade name of the principal bank;
所属銀行の商号
whether the bank agent acts as an agent or as an intermediary, for concluding the contracts prescribed in the items of Article 2, paragraph (14); and
第二条第十四項各号に規定する契約の締結を代理するか、又は媒介するかの別
other particulars specified by Cabinet Office Order.
その他内閣府令で定める事項
In order to contribute to the protection of depositor, etc. with regard to the actions set forth in Article 2, paragraph (14), item (i) (excluding acting as agent or intermediary for a contract for specified deposit, etc.), a bank agent must provide information of the content of the contracts involving deposits or installment savings, etc. and other information that is to serve as a reference for the depositors, etc., pursuant to the provisions of Cabinet Office Order.
銀行代理業者は、第二条第十四項第一号に掲げる行為（特定預金等契約の締結の代理及び媒介を除く。）に関し、預金者等の保護に資するため、内閣府令で定めるところにより、預金又は定期積金等に係る契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない。
Beyond what is prescribed in the preceding two paragraphs, Article 52-45-2, and other laws, a bank agent must explain material particulars related to its activities as a bank agent to customers, appropriately handle customer information acquired in connection with its activities as a bank agent, and take other measures for ensuring the sound and appropriate management of its operations, pursuant to the provisions of Cabinet Office Order.
前二項及び第五十二条の四十五の二並びに他の法律に定めるもののほか、銀行代理業者は、内閣府令で定めるところにより、その銀行代理行為に係る重要な事項の顧客への説明、その銀行代理行為に関して取得した顧客に関する情報の適正な取扱いその他の健全かつ適切な運営を確保するための措置を講じなければならない。
Article 52-45Prohibited Actions Concerning Bank Agency Services
第五十二条の四十五（銀行代理業に係る禁止行為）
A bank agent must not engage in any of the following actions (excluding the actions set forth in item (v), in acting as agent or intermediary regarding a contract of specified deposit, etc.) concerning its bank agency services:
conveying false information to a customer;
顧客に対し、虚偽のことを告げる行為
providing a customer with a conclusive assessment on a matter that is uncertain or with information that could mislead the customer into believing that an uncertain matter is actually certain;
顧客に対し、不確実な事項について断定的判断を提供し、又は確実であると誤認させるおそれのあることを告げる行為
acting as an agent or intermediary for concluding a contract which concerns lending of funds or discounting of a bill for a customer on the condition that the customer conducts a transaction related to the services performed by the bank agent, the subsidiary company of the bank agent, or a person that has a close relationship specified by Cabinet Office Order with the bank agent (referred to as "closely related person" in the following item) (excluding an action specified by Cabinet Office Order as unlikely to result in insufficient customer protection);
acting as an agent or intermediary for concluding a contract which concerns lending of funds or discounting of a bill for a closely related party with terms and conditions that are more favorable than ordinary terms and conditions applied to transactions with the principal bank, with the knowledge that those terms and conditions will put the principal bank at a disadvantage, in light of the ordinary terms and conditions for transactions by the principal bank (excluding an action specified by Cabinet Office Order as unlikely to impair the sound and appropriate performance of the services of the principal bank)
beyond what is set forth in the preceding items, an action specified by Cabinet Office Order as resulting in insufficient customer protection or being unlikely to impair the sound and appropriate performance of the services of the principal bank.