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.