# 銀行法 / Banking Act — 第十三条の三 (Article 13-3)

- 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 (Article 13-3)（銀行の業務に係る禁止行為） — address `art-13-3`
- Text in force since: 2026-08-12
- URL (the page that opens at this provision): https://japanlaw.org/ja/banking-act/art-13-3
- Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-13-3
- 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.

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### 第十三条の三（銀行の業務に係る禁止行為） — (Prohibited Action Concerning a Bank's Services)
<sup>caption: Ministry of Justice translation — Japanese Law Translation Database System</sup>
<sup>art-13-3 · https://japanlaw.org/ja/banking-act/art-13-3 · https://japanlaw.org/l/356AC0000000059/art-13-3</sup>

**第一項**  銀行は、その業務に関し、次に掲げる行為（第十三条の四に規定する特定預金等契約の締結の業務に関しては、第四号に掲げる行為を除く。）をしてはならない。
<sup>art-13-3/par-1 · https://japanlaw.org/ja/banking-act/art-13-3/par-1 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1</sup>
A bank must not engage in any of the following actions in connection with its services (for services involved in entering into a contract for specified deposit, etc. prescribed in Article 13-4, excluding the action set forth in item (iv)):
<sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **一**  顧客に対し、虚偽のことを告げる行為
  <sup>art-13-3/par-1/item-1 · https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-1</sup>
  conveying false information to a customer;
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **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
  <sup>art-13-3/par-1/item-2 · https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-2 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-2</sup>
  providing a customer with a conclusive assessment with regard to a matter that is uncertain, or with information that is likely to mislead the customer into believing that an uncertain matter is actually certain;
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **三**  顧客に対し、当該銀行又は当該銀行の特定関係者その他当該銀行と内閣府令で定める密接な関係を有する者の営む業務に係る取引を行うことを条件として、信用を供与し、又は信用の供与を約する行為（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。）
  <sup>art-13-3/par-1/item-3 · https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-3 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-3</sup>
  granting or promising to grant credit to a customer on the condition that the customer conducts a transaction connected with the services performed by the bank, a specified related party of that bank, or a person that has a close relationship specified by Cabinet Office Order with that bank (excluding actions specified by Cabinet Office Order as being unlikely to result in insufficient customer protection); and
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

  **四**  前三号に掲げるもののほか、顧客の保護に欠けるおそれがあるものとして内閣府令で定める行為
  <sup>art-13-3/par-1/item-4 · https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-4 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-4</sup>
  beyond what is set forth in the preceding three items, actions specified by Cabinet Office Order as being likely to result in insufficient customer protection.
  <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

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## Cites
- art-13-3/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/ja/banking-act/art-13-4 · https://japanlaw.org/l/356AC0000000059/art-13-4
- art-13-3/par-1: 第四号 → 銀行法 第十三条の三第一項第四号 (Article 13-3, paragraph (1), item (iv)), art-13-3/par-1/item-4 — https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-4 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-4
- art-13-3/par-1/item-4: 前三号 → 銀行法 第十三条の三第一項第一号 (Article 13-3, paragraph (1), item (i)), art-13-3/par-1/item-1 — https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-1
- art-13-3/par-1/item-4: 前三号 → 銀行法 第十三条の三第一項第二号 (Article 13-3, paragraph (1), item (ii)), art-13-3/par-1/item-2 — https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-2 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-2
- art-13-3/par-1/item-4: 前三号 → 銀行法 第十三条の三第一項第三号 (Article 13-3, paragraph (1), item (iii)), art-13-3/par-1/item-3 — https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-3 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-3

## Cited by

4 provisions cite this one. No official source publishes this direction.

- 銀行法 第十三条の二第一項（特定関係者との間の取引等） — https://japanlaw.org/ja/banking-act/art-13-2/par-1 · https://japanlaw.org/l/356AC0000000059/art-13-2/par-1
- 銀行法 第十三条の三第一項（銀行の業務に係る禁止行為） — https://japanlaw.org/ja/banking-act/art-13-3/par-1 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1
- 銀行法 第十三条の三第一項第四号（銀行の業務に係る禁止行為） — https://japanlaw.org/ja/banking-act/art-13-3/par-1/item-4 · https://japanlaw.org/l/356AC0000000059/art-13-3/par-1/item-4
- 銀行法 第六十三条の二第一項第一号 — https://japanlaw.org/ja/banking-act/art-63-2/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-63-2/par-1/item-1

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## 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