# 銀行法 / Banking Act — 第十二条の二 (Article 12-2) - Law: 銀行法 (Banking Act), 昭和五十六年法律第五十九号 - English title "Banking Act": Ministry of Justice translation - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第十二条の二 (Article 12-2)（預金者等に対する情報の提供等） — address `art-12-2` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/en/banking-act/art-12-2 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-12-2 - Every provision below carries its address and both URLs on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第十二条の二（預金者等に対する情報の提供等） — (Provision of Information to Depositors) caption: Ministry of Justice translation — Japanese Law Translation Database System art-12-2 · https://japanlaw.org/en/banking-act/art-12-2 · https://japanlaw.org/l/356AC0000000059/art-12-2 **第一項** 銀行は、預金又は定期積金等（以下この項において「預金等」という。）の受入れ（第十三条の四に規定する特定預金等の受入れを除く。）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。 art-12-2/par-1 · https://japanlaw.org/en/banking-act/art-12-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-1 In order to contribute to the protection of depositors, etc. with regard to the acceptance of deposits or installment savings, etc. (hereinafter referred to as "deposits, etc." in this paragraph) (other than the acceptance of specified deposits, etc. as prescribed in Article 13-4), a bank must provide information on the content of contract for deposits, etc. and other information that is to serve as a reference to depositors, etc., pursuant to the provisions of Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項及び第十三条の四並びに他の法律に定めるもののほか、銀行は、内閣府令で定めるところにより、その業務に係る重要な事項の顧客への説明、その業務に関して取得した顧客に関する情報の適正な取扱い、その業務を第三者に委託する場合における当該業務の的確な遂行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。 art-12-2/par-2 · https://japanlaw.org/en/banking-act/art-12-2/par-2 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-2 Beyond what is provided for in the preceding paragraph, Article 13-4, and other laws, a bank must explain the material matters of its services to customers, appropriately handle customer information it acquires in the course of its services, take measures to ensure precise execution of its services in entrusting them to a third party, and take other measures to ensure sound and appropriate management of its services, pursuant to the provisions of Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 前項の規定（銀行がその業務を第三者に委託する場合における当該業務の的確な遂行を確保するための措置に関する部分に限る。）は、次に掲げる場合には、適用しない。 art-12-2/par-3 · https://japanlaw.org/en/banking-act/art-12-2/par-3 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-3 The provisions of the preceding paragraph (limited to the parts concerning measures to be taken by a bank to ensure appropriate execution of its services in entrusting them to a third party) do not apply to the following cases: Ministry of Justice translation — Japanese Law Translation Database System **一** 銀行持株会社グループ（銀行持株会社及びその子会社の集団をいう。以下この項、第五十二条の二十一及び第五十二条の二十一の二第一項において同じ。）に属する二以上の会社（銀行を含む場合に限る。）が当該銀行持株会社グループに属する他の会社に当該二以上の会社に共通する業務を委託する場合（当該銀行持株会社グループに属する銀行持株会社（当該銀行持株会社グループの経営管理（第五十二条の二十一第四項に規定する経営管理をいう。）を行うものに限る。次号において同じ。）が、内閣府令で定めるところにより、当該業務の的確な遂行を確保するための措置を講ずる場合に限る。） art-12-2/par-3/item-1 · https://japanlaw.org/en/banking-act/art-12-2/par-3/item-1 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-3/item-1 if two or more companies (limited to cases in which the companies include a bank) that belong to a bank holding company group (meaning a group consisting of a bank holding company and its subsidiary companies; the same applies in this paragraph, Article 52-21, and Article 52-21-2, paragraph (1)) entrust their common services to another company that belongs to the bank holding company group (limited to cases in which the bank holding company that belongs to the bank holding company group (limited to one that carries out business management (meaning business management prescribed in Article 52-21, paragraph (4)) of the bank holding company group; the same applies in the following item) takes measures to ensure precise execution of its services pursuant to the provisions of Cabinet Office Order); or Ministry of Justice translation — Japanese Law Translation Database System **二** 銀行持株会社グループに属する二以上の会社（銀行を含む場合に限る。）が当該銀行持株会社グループに属する銀行持株会社に当該二以上の会社に共通する業務を委託する場合 art-12-2/par-3/item-2 · https://japanlaw.org/en/banking-act/art-12-2/par-3/item-2 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-3/item-2 if two or more companies (limited to cases in which the companies include a bank) that belong to a bank holding company group entrust their common services to the bank holding company that belongs to the bank holding company group. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-12-2/par-1: この項 → 銀行法 第十二条の二第一項 (Article 12-2, paragraph (1)), art-12-2/par-1 — https://japanlaw.org/en/banking-act/art-12-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-1 - art-12-2/par-1: 第十三条の四 → 銀行法 第十三条の四 (Article 13-4), art-13-4 — https://japanlaw.org/en/banking-act/art-13-4 · https://japanlaw.org/l/356AC0000000059/art-13-4 - art-12-2/par-2: 前項 → 銀行法 第十二条の二第一項 (Article 12-2, paragraph (1)), art-12-2/par-1 — https://japanlaw.org/en/banking-act/art-12-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-1 - art-12-2/par-2: 第十三条の四 → 銀行法 第十三条の四 (Article 13-4), art-13-4 — https://japanlaw.org/en/banking-act/art-13-4 · https://japanlaw.org/l/356AC0000000059/art-13-4 - art-12-2/par-3: 前項 → 銀行法 第十二条の二第二項 (Article 12-2, paragraph (2)), art-12-2/par-2 — https://japanlaw.org/en/banking-act/art-12-2/par-2 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-2 - art-12-2/par-3/item-1: この項 → 銀行法 第十二条の二第三項 (Article 12-2, paragraph (3)), art-12-2/par-3 — https://japanlaw.org/en/banking-act/art-12-2/par-3 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-3 - art-12-2/par-3/item-1: 第五十二条の二十一 → 銀行法 第五十二条の二十一 (Article 52-21), art-52-21 — https://japanlaw.org/en/banking-act/art-52-21 · https://japanlaw.org/l/356AC0000000059/art-52-21 - art-12-2/par-3/item-1: 第五十二条の二十一の二第一項 → 銀行法 第五十二条の二十一の二第一項 (Article 52-21-2, paragraph (1)), art-52-21-2/par-1 — https://japanlaw.org/en/banking-act/art-52-21-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-21-2/par-1 - art-12-2/par-3/item-1: 第五十二条の二十一第四項 → 銀行法 第五十二条の二十一第四項 (Article 52-21, paragraph (4)), art-52-21/par-4 — https://japanlaw.org/en/banking-act/art-52-21/par-4 · https://japanlaw.org/l/356AC0000000059/art-52-21/par-4 - art-12-2/par-3/item-1: 次号 → 銀行法 第十二条の二第三項第二号 (Article 12-2, paragraph (3), item (ii)), art-12-2/par-3/item-2 — https://japanlaw.org/en/banking-act/art-12-2/par-3/item-2 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-3/item-2 ## Cited by 5 provisions cite this one. No official source publishes this direction. - 銀行法 第十二条の二第一項（預金者等に対する情報の提供等） — https://japanlaw.org/en/banking-act/art-12-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-1 - 銀行法 第十二条の二第二項（預金者等に対する情報の提供等） — https://japanlaw.org/en/banking-act/art-12-2/par-2 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-2 - 銀行法 第十二条の二第三項（預金者等に対する情報の提供等） — https://japanlaw.org/en/banking-act/art-12-2/par-3 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-3 - 銀行法 第十二条の二第三項第一号（預金者等に対する情報の提供等） — https://japanlaw.org/en/banking-act/art-12-2/par-3/item-1 · https://japanlaw.org/l/356AC0000000059/art-12-2/par-3/item-1 - 銀行法 第四十七条第二項（外国銀行の免許等） — https://japanlaw.org/en/banking-act/art-47/par-2 · https://japanlaw.org/l/356AC0000000059/art-47/par-2 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 銀行法 — the text in force from 2026-08-12 (https://laws.e-gov.go.jp/law/356AC0000000059/20260812_508AC0000000064), retrieved 2026-10-11 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Banking Act — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/4498/tb), retrieved 2026-10-11 - This site's parser, version 189 — 銀行法 — structure, counts, cross-references and defined terms, computed 2026-10-11