# 銀行法 / Banking Act — 第十三条の三の二 (Article 13-3-2) - 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: 第十三条の三の二 (Article 13-3-2)（顧客の利益の保護のための体制整備） — address `art-13-3-2` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/en/banking-act/art-13-3-2 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-13-3-2 - 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. --- ### 第十三条の三の二（顧客の利益の保護のための体制整備） — (Establishment of a System for Protecting the Customers' Interests) caption: Ministry of Justice translation — Japanese Law Translation Database System art-13-3-2 · https://japanlaw.org/en/banking-act/art-13-3-2 · https://japanlaw.org/l/356AC0000000059/art-13-3-2 **第一項** 銀行は、当該銀行、当該銀行を所属銀行とする銀行代理業者又は当該銀行の親金融機関等若しくは子金融機関等が行う取引に伴い、当該銀行、当該銀行を所属銀行とする銀行代理業者又は当該銀行の子金融機関等が行う業務（銀行業、銀行代理業その他の内閣府令で定める業務に限る。）に係る顧客の利益が不当に害されることのないよう、内閣府令で定めるところにより、当該業務に関する情報を適正に管理し、かつ、当該業務の実施状況を適切に監視するための体制の整備その他必要な措置を講じなければならない。 art-13-3-2/par-1 · https://japanlaw.org/en/banking-act/art-13-3-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-13-3-2/par-1 A bank must properly manage information about the services and establish a system for properly supervising the implementation status of the services and take other necessary measures pursuant to the provisions of Cabinet Office Order, in order to ensure that the interests of the customers in relation to the services are not unjustly impaired regarding services (limited to the banking, bank agency services, and other services specified by Cabinet Office Order) provided by a bank, a bank agent that has the bank as its principal bank, or the subsidiary financial institution of the bank in connection with transactions conducted by the bank, the bank agent that has the bank as its principal bank, or the parent financial institution etc., or the subsidiary financial institution, etc. of the bank. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項の「親金融機関等」とは、銀行の総株主の議決権の過半数を保有している者その他の当該銀行と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者（金融商品取引法第二条第九項（定義）に規定する金融商品取引業者をいう。以下同じ。）、保険会社（保険業法第二条第二項（定義）に規定する保険会社をいう。以下同じ。）その他政令で定める金融業を行う者をいう。 art-13-3-2/par-2 · https://japanlaw.org/en/banking-act/art-13-3-2/par-2 · https://japanlaw.org/l/356AC0000000059/art-13-3-2/par-2 The term "parent financial institution, etc." as used in the preceding paragraph means a bank, financial instruments business operator (meaning a financial instruments business operator as defined in Article 2, paragraph (9) (Definitions) of the Financial Instruments and Exchange Act; the same applies hereinafter), insurance company (meaning an insurance company as defined in Article 2, paragraph (2) (Definitions) of the Insurance Business Act; the same applies hereinafter), or other persons engaged in financial services specified by Cabinet Order, which Cabinet Order prescribes as holding the majority of the total shareholder voting rights in the relevant bank or as other persons that have a close relationship with that bank. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項の「子金融機関等」とは、銀行が総株主等の議決権の過半数を保有している者その他の当該銀行と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者、保険会社その他政令で定める金融業を行う者をいう。 art-13-3-2/par-3 · https://japanlaw.org/en/banking-act/art-13-3-2/par-3 · https://japanlaw.org/l/356AC0000000059/art-13-3-2/par-3 The term "subsidiary financial institution, etc." as used in paragraph (1) means a bank, financial instruments business operator, insurance company, or other persons engaged in financial services specified by Cabinet Order, in which Cabinet Order prescribes that the relevant bank holds the majority of the total shareholder or investor voting rights or which Cabinet Order prescribes as other persons that have a close relationship with that bank. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-13-3-2/par-2: 前項 → 銀行法 第十三条の三の二第一項 (Article 13-3-2, paragraph (1)), art-13-3-2/par-1 — https://japanlaw.org/en/banking-act/art-13-3-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-13-3-2/par-1 - art-13-3-2/par-2: 金融商品取引法第二条第九項 → e-Gov law 323AC0000000025, 第二条第九項 (Article 2, paragraph (9)), art-2/par-9 — not held in this collection - art-13-3-2/par-2: 保険業法第二条第二項 → e-Gov law 407AC0000000105, 第二条第二項 (Article 2, paragraph (2)), art-2/par-2 — not held in this collection - art-13-3-2/par-3: 第一項 → 銀行法 第十三条の三の二第一項 (Article 13-3-2, paragraph (1)), art-13-3-2/par-1 — https://japanlaw.org/en/banking-act/art-13-3-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-13-3-2/par-1 ## Cited by 2 provisions cite this one. No official source publishes this direction. - 銀行法 第十三条の三の二第二項（顧客の利益の保護のための体制整備） — https://japanlaw.org/en/banking-act/art-13-3-2/par-2 · https://japanlaw.org/l/356AC0000000059/art-13-3-2/par-2 - 銀行法 第十三条の三の二第三項（顧客の利益の保護のための体制整備） — https://japanlaw.org/en/banking-act/art-13-3-2/par-3 · https://japanlaw.org/l/356AC0000000059/art-13-3-2/par-3 --- ## 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