This Act comes into effect as of the date specified by Cabinet Order within a period not exceeding one year from the date of its promulgation; provided, however, that the provisions set forth in the following items come into effect as of the day prescribed in each of those item:

①Until the last day of the one-year period that begins on the effective date referred to in item (iii), the provisions of Article 13, paragraph (1) of the Banking Act after the amendment pursuant to the provisions of Article 14 (hereinafter referred to as the "new Banking Act" in this Article) (including as applied mutatis mutandis pursuant to Article 6, paragraph (1) of the Act on Financial Businesses by Cooperative after the amendment pursuant to the provisions of Article 7 (hereinafter referred to as the "new Act on Financial Businesses by Cooperative" in this paragraph), Article 89, paragraph (1) of the Shinkin Bank Act after the amendment pursuant to the provisions of Article 10, Article 17 of the Long-Term Credit Bank Act after the amendment pursuant to the provisions of Article 11 (hereinafter referred to as the "new Long-Term Credit Bank Act" in this paragraph and paragraph (3)), Article 94, paragraph (1) of the Labor Bank Act after the amendment pursuant to the provisions of Article 12 (hereinafter referred to as "as applied mutatis mutandis pursuant to Article 6, paragraph (1), etc. of the new Act on Financial Businesses by Cooperative" in the following paragraph); hereinafter the same applies in this paragraph and the following paragraph) do not apply to the grant of credit or making of contribution (meaning the grant of credit or making of contribution prescribed in Article 13, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph and the following paragraph) by a bank as defined in Article 2, paragraph (1) of the new Banking Act, long-term credit bank as defined in Article 2 of the new Long-Term Credit Bank Act, Shinkin bank or the federation of Shinkin banks, labor bank or the federation of labor banks, or credit cooperatives or the federation of credit cooperatives as defined in Article 2, paragraph (1) of the new Act on Financial Services by Cooperatives (hereinafter referred to as the "bank, etc." in this paragraph and the following paragraph) to a single person prescribed in Article 13, paragraph (1) of the new Banking Act, in an amount that exceeds the maximum amount of credit and contribution (meaning the maximum amount of credit and contribution prescribed in Article 13, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph) at the time when the provisions set forth in Article 1, item (iii) of the Supplementary Provisions come into effect, if the bank, etc. notifies the Prime Minister (the Prime Minister and the Minister of Health, Labour and Welfare in the case of a labor bank or federation of labor banks; hereinafter the same applies in this paragraph and the following paragraph) to that effect by the last day of the three-month period that begins on the effective date under item (iii). In such a case, if it is likely that it would significantly hinder that person from continuing business if the bank, etc. does not continue to grant credit or make contribution to the person in a total amount that exceeds the consolidated maximum amount of credit and contribution after the last day of the one-year period that begins on the effective date under item (iii), or there are other compelling reasons, and the bank, etc. obtains the approval of the Prime Minister before that day, the bank, etc. is deemed to have obtained the approval referred to in the proviso to Article 13, paragraph (1) of the new Banking Act, on the day after that day.

②Until the last day of the one-year period that begins on the effective date under referred to in item (iii), the provisions of Article 13, paragraph (2) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 6, paragraph (1) of the new Act on Financial Businesses by Cooperative; hereinafter the same applies in this paragraph) do not apply to the grant of credit or making of contribution by a bank, etc. and its subsidiary companies, etc. (meaning a subsidiary company, etc. prescribed in Article 13, paragraph (2) of the new Banking Act; hereinafter the same applies in this paragraph) to a single person as defined in Article 13, paragraph (1) of the new Banking Act, in a total amount that exceeds the consolidated maximum amount of credit and contribution (meaning the consolidated maximum amount of credit and contribution prescribed in Article 13, paragraph (2) of the new Banking Act; hereinafter the same applies in this paragraph) at the time when the provisions set forth in Article 1, item (iii) of the Supplementary Provisions come into effect, if the bank, etc. notifies the Prime Minister to that effect by the last day of the three-month period that begins on the effective date under item (iii). In such a case, if it is likely that it would significantly hinder that one person from continuing business if the bank, etc. and its subsidiary companies, etc. do not continue to grant credit or make contribution to the person in a total amount that exceeds the consolidated maximum amount of credit and contribution after the last day of the one-year period that begins on the effective date under item (iii) or there are other compelling reasons, and the bank, etc. obtains the approval of the Prime Minister before that day, the bank, etc. is deemed to have obtained the approval under the provisions of the proviso to Article 13, paragraph (1) of the new Banking Act as applied mutatis mutandis pursuant to the second sentence of Article 13, paragraph (2) of that Act on the day after that day.

③Until the last day of the one-year period that begins on the effective date referred to in item (iii), the provisions of Article 52-22, paragraph (1) of the new Banking Act (including as applied mutatis mutandis pursuant to Article 17 of the new Long-Term Credit Bank Act; hereinafter the same applies in this paragraph) do not apply to the grant of credit or making of contribution (meaning the grant of credit or making of contribution as prescribed in Article 52-22, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph) by a bank holding company as defined in Article 2, paragraph (13) of the new Banking Act and its subsidiary companies, etc. (meaning subsidiary companies, etc. prescribed in 52-22, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph), or by a long-term credit bank holding company prescribed in Article 16-4, paragraph (1) of the new Long-Term Credit Bank Act and its subsidiary companies, etc., to a single person prescribed in Article 52-22, paragraph (1) of the new Banking Act, in a total amount that exceeds the maximum amount of credit and contribution by a bank holding company (meaning the maximum amount of credit and contribution by a bank holding company as defined in Article 52-22, paragraph (1) of the new Banking Act; hereinafter the same applies in this paragraph) at the time the provisions set forth in Article 1, item (iii) of the Supplementary Provisions come into effect, if the bank holding company or the long-term credit bank holding company (hereinafter referred to as a "bank holding company, etc." in this paragraph) notifies the Prime Minister to that effect by the last day of the three-month period that begins on the effective date under item (iii). In such a case, if there is a compelling reason, such as being likely that it would significantly hinder the relevant single person from continuing business if the bank holding company and its subsidiary companies, etc. or the long-term credit bank holding company and its subsidiary companies, etc. do not continue to grant credit or make contribution to the person in a total amount that exceeds the maximum amount of credit and contribution by a bank holding company after the last day of the one-year period that begins on the effective date referred to in item (iii), and the bank holding company, etc. obtains the approval of the Prime Minister before that day, the bank holding company, etc. is deemed to have obtained the approval under the provisions of the proviso to Article 52-22, paragraph (1) of the new Banking Act on the day after that day.

In applying the provisions of Article 47-2 of the Banking Act after the amendment pursuant to the provisions of Article 14 to branch offices of foreign banks (meaning branch offices of foreign banks as defined in Article 47, paragraph (2) of the Banking Act prior to the amendment by the provisions of Article 14) already existing at the time this Act comes into effect, the term "amount specified by Cabinet Order" in Article 47-2 is deemed to be replaced with "amount specified by Cabinet Office Order not exceeding the amount specified by Cabinet Order" during the period from the effective date to the end of the business year that comes after the business year that includes that effective date.

①The Prime Minister delegates the authority under these Supplementary Provisions 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.

Prior laws continue to govern the applicability of penal provisions to acts which a person has committed before this Act comes into effect (for the provisions set forth in the items of Article 1 of the Supplementary Provisions, before those provisions come into effect; hereinafter the same applies in this Article), 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 the provisions of these Supplementary Provisions.

Beyond what is provided for in Article 2 through 15 of the Supplementary Provisions and the preceding Article, Cabinet Order prescribes the transitional measures necessary for the enforcement of this Act (including transitional measures on penal provisions).

Approximately five years after this Act comes into effect, the government is to take into account the implementation status of the provisions of each of the relevant laws amended by this Act (hereinafter referred to as "each amended law" in this Article), and review the provisions of each amended law and take the required measures based on the results of the review, if it finds this to be necessary.