# 資金決済に関する法律 / Payment Services Act — 第四十五条の二 (Article 45-2) - Law: 資金決済に関する法律 (Payment Services Act), 平成二十一年法律第五十九号 - English title "Payment Services 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: 第四十五条の二 (Article 45-2)（預貯金等による管理） — address `art-45-2` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/en/payment-services-act/art-45-2 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/421AC0000000059/art-45-2 - 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. --- ### 第四十五条の二（預貯金等による管理） — (Management by Bank Deposits or Savings) caption: Ministry of Justice translation — Japanese Law Translation Database System art-45-2 · https://japanlaw.org/en/payment-services-act/art-45-2 · https://japanlaw.org/l/421AC0000000059/art-45-2 **第一項** 資金移動業者（第三種資金移動業を営む者に限る。）は、内閣府令で定めるところにより、次に掲げる事項を記載した届出書を内閣総理大臣に提出したときは、第一号に掲げる日以後、第三種資金移動業に係る履行保証金の全部又は一部の供託をしないことができる。この場合において、当該資金移動業者は、第三種資金移動業に係る各営業日における未達債務の額に第二号に掲げる割合（当該割合を変更したときは、その変更後のもの。以下この条及び第五十九条第一項において「預貯金等管理割合」という。）を乗じて得た額以上の額に相当する額の金銭を第一号に規定する預貯金等管理方法により管理しなければならない。 art-45-2/par-1 · https://japanlaw.org/en/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 When a funds transfer service provider (limited to a person providing type III funds transfer services) has submitted a written notice containing the following particulars to the Prime Minister, pursuant to the provisions of Cabinet Office Order, it may choose not to make all or part of the security deposits for providing type III funds transfer services on or after the day set forth in item (i). In this case, the funds transfer service provider must manage money in the amount equivalent to the amount not less than the amount obtained by multiplying the amount of outstanding obligations in the process of being transferred pertaining to type III funds transfer services as of each business day by the rate set forth in item (ii) (when the rate is changed, the rate that has been changed; hereinafter referred to as the "rate for managing bank deposits or savings" in this Article and Article 59, paragraph (1)) by using the method for managing bank deposits or savings specified in item (i): Ministry of Justice translation — Japanese Law Translation Database System **一** 第三種資金移動業に係る各営業日における未達債務の額の全部又は一部に相当する額の金銭を、銀行等に対する預貯金（この項の規定により管理しなければならないものとされている金銭であることがその預貯金口座の名義により明らかなものに限る。）により管理する方法その他の内閣府令で定める方法（以下この条及び第五十三条第二項第二号において「預貯金等管理方法」という。）により管理することを開始する日 art-45-2/par-1/item-1 · https://japanlaw.org/en/payment-services-act/art-45-2/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1/item-1 the day on which the management of money in the amount equivalent to all or part of the amount of outstanding obligations in the process of being transferred pertaining to type III funds transfer services commences as of each business day by the method for managing bank deposits or savings (limited to bank deposits or savings, which is obvious from the name of the account holder, that the money must be managed pursuant to the provisions of this paragraph) or by another method specified by Cabinet Office Order (hereinafter referred to as the "method for managing bank deposits or savings" in this Article and Article 53, paragraph (2), item (ii)); Ministry of Justice translation — Japanese Law Translation Database System **二** 第三種資金移動業に係る未達債務の額のうち預貯金等管理方法により管理する額の当該未達債務の額に対する割合 art-45-2/par-1/item-2 · https://japanlaw.org/en/payment-services-act/art-45-2/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1/item-2 the percentage of the amount of outstanding obligations in the process of being transferred pertaining to type III funds transfer services that is to be managed by the method for managing bank deposits or savings to the total amount thereof; and Ministry of Justice translation — Japanese Law Translation Database System **三** その他内閣府令で定める事項 art-45-2/par-1/item-3 · https://japanlaw.org/en/payment-services-act/art-45-2/par-1/item-3 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1/item-3 other particulars specified by Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項の規定の適用を受けている資金移動業者は、預貯金等管理方法による管理の状況について、内閣府令で定めるところにより、定期に、公認会計士（公認会計士法（昭和二十三年法律第百三号）第十六条の二第五項に規定する外国公認会計士を含む。以下同じ。）又は監査法人の監査を受けなければならない。 art-45-2/par-2 · https://japanlaw.org/en/payment-services-act/art-45-2/par-2 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-2 A funds transfer service provider to whom the provisions of the preceding paragraph are applied must undergo a periodic audit by a certified public accountant (including foreign certified public accountant specified in Article 16-2, paragraph (5) of the Certified Public Accountants Act (Act No. 103 of 1948); the same applies hereinafter) or by an audit corporation, with regard to the aspects of management by using the method for managing bank deposits or savings, pursuant to the provisions of Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項の規定の適用を受けている資金移動業者は、預貯金等管理割合その他内閣府令で定める事項の変更をしようとするときは、内閣府令で定めるところにより、あらかじめ、当該変更を行う日その他内閣府令で定める事項を記載した届出書を内閣総理大臣に提出しなければならない。 art-45-2/par-3 · https://japanlaw.org/en/payment-services-act/art-45-2/par-3 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-3 When a funds transfer service provider to whom the provisions of paragraph (1) are applied intends to change the rate of management by bank deposits or savings or other particulars specified by Cabinet Office Order, the funds transfer service provider must submit a written notice containing the day on which the change is to be made and other particulars specified by Cabinet Office Order to the Prime Minister in advance, pursuant to the provisions of Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 預貯金等管理割合を引き下げる変更は、前項の届出書に記載された当該変更を行う日における第三種資金移動業に係る履行保証金の額、保全金額、前条第一項に規定する信託財産の額、次条第一項に規定する履行保証人債務引受額、第四十五条の四第一項に規定する履行保証人保証額及び第四十五条の五第一項に規定する履行保証金弁済信託額（当該履行保証金弁済信託額が同項に規定する履行保証金弁済信託契約に基づき信託されている信託財産の額を上回るときは、当該信託財産の額）の合計額が、当該日の直前の基準日における第三種資金移動業に係る要供託額（第一項の規定の適用を受けている資金移動業者が当該変更をする場合にその営む第三種資金移動業について第四十三条第一項の規定により供託しなければならないこととなる履行保証金の額をいう。）以上である場合に限り、行うことができる。 art-45-2/par-4 · https://japanlaw.org/en/payment-services-act/art-45-2/par-4 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-4 A change to lower the rate for managing bank deposits or savings may be made only in the case where the total amount of security deposits for providing funds transfer services, the secured amount, the amount of trust property specified in paragraph (1) of the preceding Article, the performance guarantor's debt assumption amount specified in paragraph (1) of the following Article, the performance guarantor's guarantee amount specified in Article 45-4, paragraph (1) and the amount of the trust for repayment in place of security deposits specified in Article 45-5, paragraph (1) (or, if that amount of the trust for repayment in place of security deposits exceeds the amount of trust property held in trust under the trust agreement for repayment in place of security deposits for providing funds transfer services prescribed in that paragraph, that amount of trust property) pertaining to type III funds transfer services as of the day on which the change is to be made that is stated in the written notice referred to in the preceding paragraph is the amount required for deposit pertaining to type III funds transfer services (meaning the amount of security deposits for providing funds transfer services that a funds transfer service provider to whom the provisions of paragraph (1) are applied must deposit for type III funds transfer services it provides, when making the relevant change, under the provisions of Article 43, paragraph (1)) as of the base date immediately preceding that day, or more. machine translation, not official **第五項** 第一項の規定の適用を受けている資金移動業者は、内閣府令で定めるところにより、同項の規定の適用を受けることをやめる日（以下この項において「預貯金等管理終了日」という。）その他内閣府令で定める事項を記載した届出書を内閣総理大臣に提出して、第一項の規定の適用を受けることをやめることができる。ただし、預貯金等管理終了日における第三種資金移動業に係る履行保証金の額、保全金額、前条第一項に規定する信託財産の額、次条第一項に規定する履行保証人債務引受額、第四十五条の四第一項に規定する履行保証人保証額及び第四十五条の五第一項に規定する履行保証金弁済信託額（当該履行保証金弁済信託額が同項に規定する履行保証金弁済信託契約に基づき信託されている信託財産の額を上回るときは、当該信託財産の額）の合計額が、当該預貯金等管理終了日の直前の基準日における第三種資金移動業に係る要供託額（当該資金移動業者が第一項の規定の適用を受けることをやめる場合にその営む第三種資金移動業について第四十三条第一項の規定により供託しなければならないこととなる履行保証金の額をいう。）を下回るときは、この限りでない。 art-45-2/par-5 · https://japanlaw.org/en/payment-services-act/art-45-2/par-5 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-5 A funds transfer service provider to whom the provisions of paragraph (1) are applied may terminate the application of the provisions of that paragraph by submitting a written notice containing the day on which the application of the provisions of that paragraph ends (hereinafter referred to as the "day on which the management by bank deposits or savings ends" in this paragraph) and other particulars specified by Cabinet Office Order to the Prime Minister, pursuant to the provisions of Cabinet Office Order; provided, however, that this does not apply when the total amount of security deposits for providing funds transfer services, the secured amount, the amount of trust property specified in paragraph (1) of the preceding Article, the performance guarantor's debt assumption amount specified in paragraph (1) of the following Article, the performance guarantor's guarantee amount specified in Article 45-4, paragraph (1) and the amount of the trust for repayment in place of security deposits specified in Article 45-5, paragraph (1) (or, if that amount of the trust for repayment in place of security deposits exceeds the amount of trust property held in trust under the trust agreement for repayment in place of security deposits for providing funds transfer services prescribed in that paragraph, that amount of trust property) pertaining to type III funds transfer services as of the day on which the management by bank deposits or savings ends is less than the amount required for deposit pertaining to type III funds transfer services (meaning the amount of security deposits for providing funds transfer services that the funds transfer service provider must deposit for type III funds transfer services it provides, when terminating the application of the provisions of paragraph (1), under the provisions of Article 43, paragraph (1)) as of a base date immediately preceding that day on which the management by bank deposits or savings ends. machine translation, not official --- ## Cites - art-45-2/par-1: 第一号 → 資金決済に関する法律 第四十五条の二第一項第一号 (Article 45-2, paragraph (1), item (i)), art-45-2/par-1/item-1 — https://japanlaw.org/en/payment-services-act/art-45-2/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1/item-1 - art-45-2/par-1: 第二号 → 資金決済に関する法律 第四十五条の二第一項第二号 (Article 45-2, paragraph (1), item (ii)), art-45-2/par-1/item-2 — https://japanlaw.org/en/payment-services-act/art-45-2/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1/item-2 - art-45-2/par-1: この条 → 資金決済に関する法律 第四十五条の二 (Article 45-2), art-45-2 — https://japanlaw.org/en/payment-services-act/art-45-2 · https://japanlaw.org/l/421AC0000000059/art-45-2 - art-45-2/par-1: 第五十九条第一項 → 資金決済に関する法律 第五十九条第一項 (Article 59, paragraph (1)), art-59/par-1 — https://japanlaw.org/en/payment-services-act/art-59/par-1 · https://japanlaw.org/l/421AC0000000059/art-59/par-1 - art-45-2/par-1/item-1: この項 → 資金決済に関する法律 第四十五条の二第一項 (Article 45-2, paragraph (1)), art-45-2/par-1 — https://japanlaw.org/en/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 - art-45-2/par-1/item-1: この条 → 資金決済に関する法律 第四十五条の二 (Article 45-2), art-45-2 — https://japanlaw.org/en/payment-services-act/art-45-2 · https://japanlaw.org/l/421AC0000000059/art-45-2 - art-45-2/par-1/item-1: 第五十三条第二項第二号 → 資金決済に関する法律 第五十三条第二項第二号 (Article 53, paragraph (2), item (ii)), art-53/par-2/item-2 — https://japanlaw.org/en/payment-services-act/art-53/par-2/item-2 · https://japanlaw.org/l/421AC0000000059/art-53/par-2/item-2 - art-45-2/par-2: 前項 → 資金決済に関する法律 第四十五条の二第一項 (Article 45-2, paragraph (1)), art-45-2/par-1 — https://japanlaw.org/en/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 - art-45-2/par-2: 公認会計士法（昭和二十三年法律第百三号）第十六条の二第五項 → e-Gov law 323AC0000000103, 第十六条の二第五項 (Article 16-2, paragraph (5)), art-16-2/par-5 — not held in this collection - art-45-2/par-3: 第一項 → 資金決済に関する法律 第四十五条の二第一項 (Article 45-2, paragraph (1)), art-45-2/par-1 — https://japanlaw.org/en/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 - art-45-2/par-4: 前項 → 資金決済に関する法律 第四十五条の二第三項 (Article 45-2, paragraph (3)), art-45-2/par-3 — https://japanlaw.org/en/payment-services-act/art-45-2/par-3 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-3 - art-45-2/par-4: 前条第一項 → 資金決済に関する法律 第四十五条第一項 (Article 45, paragraph (1)), art-45/par-1 — https://japanlaw.org/en/payment-services-act/art-45/par-1 · https://japanlaw.org/l/421AC0000000059/art-45/par-1 - art-45-2/par-4: 次条第一項 → 資金決済に関する法律 第四十五条の三第一項 (Article 45-3, paragraph (1)), art-45-3/par-1 — https://japanlaw.org/en/payment-services-act/art-45-3/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-3/par-1 - art-45-2/par-4: 第四十五条の四第一項 → 資金決済に関する法律 第四十五条の四第一項 (Article 45-4, paragraph (1)), art-45-4/par-1 — https://japanlaw.org/en/payment-services-act/art-45-4/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-4/par-1 - art-45-2/par-4: 第四十五条の五第一項 → 資金決済に関する法律 第四十五条の五第一項 (Article 45-5, paragraph (1)), art-45-5/par-1 — https://japanlaw.org/en/payment-services-act/art-45-5/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-5/par-1 - art-45-2/par-4: 第一項 → 資金決済に関する法律 第四十五条の二第一項 (Article 45-2, paragraph (1)), art-45-2/par-1 — https://japanlaw.org/en/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 - art-45-2/par-4: 第四十三条第一項 → 資金決済に関する法律 第四十三条第一項 (Article 43, paragraph (1)), art-43/par-1 — https://japanlaw.org/en/payment-services-act/art-43/par-1 · https://japanlaw.org/l/421AC0000000059/art-43/par-1 - art-45-2/par-5: 第一項 → 資金決済に関する法律 第四十五条の二第一項 (Article 45-2, paragraph (1)), art-45-2/par-1 — https://japanlaw.org/en/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 - art-45-2/par-5: この項 → 資金決済に関する法律 第四十五条の二第五項 (Article 45-2, paragraph (5)), art-45-2/par-5 — https://japanlaw.org/en/payment-services-act/art-45-2/par-5 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-5 - art-45-2/par-5: 前条第一項 → 資金決済に関する法律 第四十五条第一項 (Article 45, paragraph (1)), art-45/par-1 — https://japanlaw.org/en/payment-services-act/art-45/par-1 · https://japanlaw.org/l/421AC0000000059/art-45/par-1 - art-45-2/par-5: 次条第一項 → 資金決済に関する法律 第四十五条の三第一項 (Article 45-3, paragraph (1)), art-45-3/par-1 — https://japanlaw.org/en/payment-services-act/art-45-3/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-3/par-1 - art-45-2/par-5: 第四十五条の四第一項 → 資金決済に関する法律 第四十五条の四第一項 (Article 45-4, paragraph (1)), art-45-4/par-1 — https://japanlaw.org/en/payment-services-act/art-45-4/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-4/par-1 - art-45-2/par-5: 第四十五条の五第一項 → 資金決済に関する法律 第四十五条の五第一項 (Article 45-5, paragraph (1)), art-45-5/par-1 — https://japanlaw.org/en/payment-services-act/art-45-5/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-5/par-1 - art-45-2/par-5: 第四十三条第一項 → 資金決済に関する法律 第四十三条第一項 (Article 43, paragraph (1)), art-43/par-1 — https://japanlaw.org/en/payment-services-act/art-43/par-1 · https://japanlaw.org/l/421AC0000000059/art-43/par-1 ## Cited by 11 provisions cite this one. No official source publishes this direction. - 資金決済に関する法律 第四十三条第一項第二号（履行保証金の供託） — https://japanlaw.org/en/payment-services-act/art-43/par-1/item-2 · https://japanlaw.org/l/421AC0000000059/art-43/par-1/item-2 - 資金決済に関する法律 第四十三条第二項（履行保証金の供託） — https://japanlaw.org/en/payment-services-act/art-43/par-2 · https://japanlaw.org/l/421AC0000000059/art-43/par-2 - 資金決済に関する法律 第四十五条の二第一項（預貯金等による管理） — https://japanlaw.org/en/payment-services-act/art-45-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1 - 資金決済に関する法律 第四十五条の二第一項第一号（預貯金等による管理） — https://japanlaw.org/en/payment-services-act/art-45-2/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-1/item-1 - 資金決済に関する法律 第四十五条の二第二項（預貯金等による管理） — https://japanlaw.org/en/payment-services-act/art-45-2/par-2 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-2 - 資金決済に関する法律 第四十五条の二第三項（預貯金等による管理） — https://japanlaw.org/en/payment-services-act/art-45-2/par-3 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-3 - 資金決済に関する法律 第四十五条の二第四項（預貯金等による管理） — https://japanlaw.org/en/payment-services-act/art-45-2/par-4 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-4 - 資金決済に関する法律 第四十五条の二第五項（預貯金等による管理） — https://japanlaw.org/en/payment-services-act/art-45-2/par-5 · https://japanlaw.org/l/421AC0000000059/art-45-2/par-5 - 資金決済に関する法律 第五十三条第二項第二号（報告書） — https://japanlaw.org/en/payment-services-act/art-53/par-2/item-2 · https://japanlaw.org/l/421AC0000000059/art-53/par-2/item-2 - 資金決済に関する法律 第五十九条第一項（履行保証金の還付） — https://japanlaw.org/en/payment-services-act/art-59/par-1 · https://japanlaw.org/l/421AC0000000059/art-59/par-1 - 資金決済に関する法律 第百九条第一項第三号 — https://japanlaw.org/en/payment-services-act/art-109/par-1/item-3 · https://japanlaw.org/l/421AC0000000059/art-109/par-1/item-3 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 資金決済に関する法律 — the text in force from 2026-08-12 (https://laws.e-gov.go.jp/law/421AC0000000059/20260812_508AC0000000064), retrieved 2026-10-12 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Payment Services Act — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/4477/tb), retrieved 2026-10-12 - claude-sonnet-5-5 — Machine translation, batch payment-services-act-20261012T054915-001, translated 2026-10-12 - This site's parser, version 189 — 資金決済に関する法律 — structure, counts, cross-references and defined terms, computed 2026-10-12