# 銀行法 / Banking Act — 第五十二条の四十五 (Article 52-45) - 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: 第五十二条の四十五 (Article 52-45)（銀行代理業に係る禁止行為） — address `art-52-45` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/en/banking-act/art-52-45 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-52-45 - 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. --- ### 第五十二条の四十五（銀行代理業に係る禁止行為） — (Prohibited Actions Concerning Bank Agency Services) caption: Ministry of Justice translation — Japanese Law Translation Database System art-52-45 · https://japanlaw.org/en/banking-act/art-52-45 · https://japanlaw.org/l/356AC0000000059/art-52-45 **第一項** 銀行代理業者は、銀行代理業に関し、次に掲げる行為（特定預金等契約の締結の代理又は媒介の業務に関しては、第五号に掲げる行為を除く。）をしてはならない。 art-52-45/par-1 · https://japanlaw.org/en/banking-act/art-52-45/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1 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: Ministry of Justice translation — Japanese Law Translation Database System **一** 顧客に対し、虚偽のことを告げる行為 art-52-45/par-1/item-1 · https://japanlaw.org/en/banking-act/art-52-45/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-1 conveying false information to a customer; Ministry of Justice translation — Japanese Law Translation Database System **二** 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 art-52-45/par-1/item-2 · https://japanlaw.org/en/banking-act/art-52-45/par-1/item-2 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-2 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; Ministry of Justice translation — Japanese Law Translation Database System **三** 顧客に対し、当該銀行代理業者又は当該銀行代理業者の子会社その他当該銀行代理業者と内閣府令で定める密接な関係を有する者（次号において「密接関係者」という。）の営む業務に係る取引を行うことを条件として、資金の貸付け又は手形の割引を内容とする契約の締結の代理又は媒介をする行為（顧客の保護に欠けるおそれがないものとして内閣府令で定めるものを除く。） art-52-45/par-1/item-3 · https://japanlaw.org/en/banking-act/art-52-45/par-1/item-3 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-3 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); Ministry of Justice translation — Japanese Law Translation Database System **四** 当該銀行代理業者の密接関係者に対し、取引の条件が所属銀行の取引の通常の条件に照らして当該所属銀行に不利益を与えるものであることを知りながら、その通常の条件よりも有利な条件で資金の貸付け又は手形の割引を内容とする契約の締結の代理又は媒介をする行為（所属銀行の業務の健全かつ適切な遂行に支障を及ぼすおそれがないものとして内閣府令で定めるものを除く。） art-52-45/par-1/item-4 · https://japanlaw.org/en/banking-act/art-52-45/par-1/item-4 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-4 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) Ministry of Justice translation — Japanese Law Translation Database System **五** 前各号に掲げるもののほか、顧客の保護に欠け、又は所属銀行の業務の健全かつ適切な遂行に支障を及ぼすおそれがあるものとして内閣府令で定める行為 art-52-45/par-1/item-5 · https://japanlaw.org/en/banking-act/art-52-45/par-1/item-5 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-5 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. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-52-45/par-1: 第五号 → 銀行法 第五十二条の四十五第一項第五号 (Article 52-45, paragraph (1), item (v)), art-52-45/par-1/item-5 — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-5 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-5 - art-52-45/par-1/item-3: 次号 → 銀行法 第五十二条の四十五第一項第四号 (Article 52-45, paragraph (1), item (iv)), art-52-45/par-1/item-4 — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-4 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-4 - art-52-45/par-1/item-5: 前各号 → 銀行法 第五十二条の四十五第一項第一号 (Article 52-45, paragraph (1), item (i)), art-52-45/par-1/item-1 — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-1 - art-52-45/par-1/item-5: 前各号 → 銀行法 第五十二条の四十五第一項第二号 (Article 52-45, paragraph (1), item (ii)), art-52-45/par-1/item-2 — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-2 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-2 - art-52-45/par-1/item-5: 前各号 → 銀行法 第五十二条の四十五第一項第三号 (Article 52-45, paragraph (1), item (iii)), art-52-45/par-1/item-3 — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-3 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-3 - art-52-45/par-1/item-5: 前各号 → 銀行法 第五十二条の四十五第一項第四号 (Article 52-45, paragraph (1), item (iv)), art-52-45/par-1/item-4 — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-4 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-4 ## Cited by 7 provisions cite this one. No official source publishes this direction. - 銀行法 第五十二条の二の十第一項（準用） — https://japanlaw.org/en/banking-act/art-52-2-10/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-2-10/par-1 - 銀行法 第五十二条の四十五第一項（銀行代理業に係る禁止行為） — https://japanlaw.org/en/banking-act/art-52-45/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1 - 銀行法 第五十二条の四十五第一項第三号（銀行代理業に係る禁止行為） — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-3 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-3 - 銀行法 第五十二条の四十五第一項第五号（銀行代理業に係る禁止行為） — https://japanlaw.org/en/banking-act/art-52-45/par-1/item-5 · https://japanlaw.org/l/356AC0000000059/art-52-45/par-1/item-5 - 銀行法 第五十二条の六十の二第二項（適用除外） — https://japanlaw.org/en/banking-act/art-52-60-2/par-2 · https://japanlaw.org/l/356AC0000000059/art-52-60-2/par-2 - 銀行法 第六十三条の二第一項第一号 — https://japanlaw.org/en/banking-act/art-63-2/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-63-2/par-1/item-1 - 銀行法 附則第二条第二項（銀行法等の一部改正に伴う経過措置） — https://japanlaw.org/en/banking-act/suppl-4171-106/art-2/par-2 · https://japanlaw.org/l/356AC0000000059/suppl-4171-106/art-2/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