# 銀行法 / Banking Act — 第五十二条の二十一の三 (Article 52-21-3) - 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: 第五十二条の二十一の三 (Article 52-21-3)（顧客の利益の保護のための体制整備） — address `art-52-21-3` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/ja/banking-act/art-52-21-3 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-52-21-3 - 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. --- ### 第五十二条の二十一の三（顧客の利益の保護のための体制整備） — (Development of Systems to Protect the Interests of Customers) caption: Ministry of Justice translation — Japanese Law Translation Database System art-52-21-3 · https://japanlaw.org/ja/banking-act/art-52-21-3 · https://japanlaw.org/l/356AC0000000059/art-52-21-3 **第一項** 銀行持株会社は、その子会社である銀行、当該銀行持株会社の子会社である銀行を所属銀行とする銀行代理業者又は当該銀行持株会社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、当該銀行持株会社の子会社である銀行、当該銀行持株会社の子会社である銀行を所属銀行とする銀行代理業者又は当該銀行持株会社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-52-21-3/par-1 · https://japanlaw.org/ja/banking-act/art-52-21-3/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-21-3/par-1 A bank holding company, pursuant to Cabinet Office Order, must appropriately manage information on the services performed by a bank that is the subsidiary company of the bank holding company, a bank agent that has a bank which is the subsidiary company of the bank holding company as its principal bank, or the bank holding company's parent financial institution, etc. or subsidiary financial institution, etc. (services limited to the banking, bank agency services, and other services specified by Cabinet Office Order); and must develop a system for appropriately supervising the implementation status of those services and take any other necessary measures, involved in the transactions conducted by a bank that is the subsidiary company of the bank holding company, a bank agent that has a bank which is the subsidiary company of the bank holding company as its principal bank, or the bank holding company's subsidiary financial institution, etc., so that the interests of the customers connected with those services are not unjustly impaired. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項の「親金融機関等」とは、銀行持株会社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持株会社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-52-21-3/par-2 · https://japanlaw.org/ja/banking-act/art-52-21-3/par-2 · https://japanlaw.org/l/356AC0000000059/art-52-21-3/par-2 The term "parent financial institution, etc." as used in the preceding paragraph means a bank, financial instruments business operator, insurance company, or other persons engaged in financial services that are specified by Cabinet Order, which Cabinet Order prescribes as persons holding the majority of the total shareholder voting rights in the bank holding company or as having a close relationship with the bank holding company. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項の「子金融機関等」とは、銀行持株会社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持株会社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（当該銀行持株会社の子会社である銀行を除く。）、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-52-21-3/par-3 · https://japanlaw.org/ja/banking-act/art-52-21-3/par-3 · https://japanlaw.org/l/356AC0000000059/art-52-21-3/par-3 The term "subsidiary financial institution, etc." as used in paragraph (1) means a bank (other than a bank that is the subsidiary company of the bank holding company), financial instruments business operator, insurance company, or other persons engaged in financial services that are specified by Cabinet Order, which Cabinet Order prescribes as persons holding the majority of the total shareholder or investor voting rights or as having a close relationship with the bank holding company. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-52-21-3/par-2: 前項 → 銀行法 第五十二条の二十一の三第一項 (Article 52-21-3, paragraph (1)), art-52-21-3/par-1 — https://japanlaw.org/ja/banking-act/art-52-21-3/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-21-3/par-1 - art-52-21-3/par-3: 第一項 → 銀行法 第五十二条の二十一の三第一項 (Article 52-21-3, paragraph (1)), art-52-21-3/par-1 — https://japanlaw.org/ja/banking-act/art-52-21-3/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-21-3/par-1 ## Cited by 2 provisions cite this one. No official source publishes this direction. - 銀行法 第五十二条の二十一の三第二項（顧客の利益の保護のための体制整備） — https://japanlaw.org/ja/banking-act/art-52-21-3/par-2 · https://japanlaw.org/l/356AC0000000059/art-52-21-3/par-2 - 銀行法 第五十二条の二十一の三第三項（顧客の利益の保護のための体制整備） — https://japanlaw.org/ja/banking-act/art-52-21-3/par-3 · https://japanlaw.org/l/356AC0000000059/art-52-21-3/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