# 銀行法 / Banking Act — 第十一条 (Supplementary Provisions, Article 11) - 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: 第十一条 (Supplementary Provisions, Article 11)（銀行等の努力義務） — address `suppl-4291-49/art-11` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/ja/banking-act/suppl-4291-49/art-11 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-11 - 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. --- ### 第十一条（銀行等の努力義務） — Efforts Required of Banks, etc. caption: machine translation, not official suppl-4291-49/art-11 · https://japanlaw.org/ja/banking-act/suppl-4291-49/art-11 · https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-11 **第一項** 電子決済等代行業者等との間で新銀行法第五十二条の六十一の十第一項、新農業協同組合法第九十二条の五の三第一項、新水産業協同組合法第百二十一条の五の三第一項、新協同組合金融事業法第六条の五の三第一項、新協同組合金融事業法第六条の五の五第一項、新信用金庫法第八十五条の五第一項、新信用金庫法第八十五条の七第一項、新労働金庫法第八十九条の六第一項、新労働金庫法第八十九条の八第一項、新農林中央金庫法第九十五条の五の三第一項、新農林中央金庫法第九十五条の五の五第一項又は新商工組合中央金庫法第六十条の十二第一項の契約を締結しようとする銀行等は、附則第二条第四項に規定する政令で定める日までに、当該電子決済等代行業者等が、その営む電子決済等代行業等（電子決済等代行業、新農業協同組合法第九十二条の五の二第二項に規定する特定信用事業電子決済等代行業、新水産業協同組合法第百二十一条の五の二第二項に規定する特定信用事業電子決済等代行業、信用協同組合電子決済等代行業、信用金庫電子決済等代行業、労働金庫電子決済等代行業、農林中央金庫電子決済等代行業又は商工組合中央金庫電子決済等代行業をいう。以下同じ。）の利用者から当該利用者に係る識別符号等を取得することなく当該銀行等に係る電子決済等代行業等を営むことができるよう、体制の整備に努めなければならない。 suppl-4291-49/art-11/par-1 · https://japanlaw.org/ja/banking-act/suppl-4291-49/art-11/par-1 · https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-11/par-1 A bank, etc. that intends to conclude a contract referred to in Article 52-61-10, paragraph (1) of the new Banking Act, Article 92-5-3, paragraph (1) of the new Agricultural Co-operatives Act, Article 121-5-3, paragraph (1) of the new Fishery Industry Cooperative Act, Article 6-5-3, paragraph (1) of the new Act on Financial Businesses by Cooperative, Article 6-5-5, paragraph (1) of the new Act on Financial Businesses by Cooperative, Article 85-5, paragraph (1) of the new Shinkin Bank Act, Article 85-7, paragraph (1) of the new Shinkin Bank Act, Article 89-6, paragraph (1) of the new Labor Bank Act, Article 89-8, paragraph (1) of the new Labor Bank Act, Article 95-5-3, paragraph (1) of the new Norinchukin Bank Act, Article 95-5-5, paragraph (1) of the new Norinchukin Bank Act, or Article 60-12, paragraph (1) of the new Shoko Chukin Bank Act with an electronic payment service provider, etc. must endeavor to develop a system, by the date specified by the Cabinet Order prescribed in Article 2, paragraph (4) of the Supplementary Provisions, so that the electronic payment service provider, etc. can conduct the electronic payment services, etc. (meaning electronic payment services, specified credit business electronic payment services prescribed in Article 92-5-2, paragraph (2) of the new Agricultural Co-operatives Act, specified credit business electronic payment services prescribed in Article 121-5-2, paragraph (2) of the new Fishery Industry Cooperative Act, credit cooperative electronic payment services, Shinkin bank electronic payment services, labor bank electronic payment services, Norinchukin Bank electronic payment services, or Shoko Chukin Bank electronic payment services; the same applies hereinafter) related to that bank, etc. without acquiring identification codes, etc. related to a user of the electronic payment services, etc. that it conducts from that user. machine translation, not official **第二項** 前項に規定する「識別符号等」とは、銀行等が、電子情報処理組織を利用して行う役務の提供に際し、その役務の提供を受ける者を他の者と区別して識別するために用いる符号その他の情報をいう。 suppl-4291-49/art-11/par-2 · https://japanlaw.org/ja/banking-act/suppl-4291-49/art-11/par-2 · https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-11/par-2 The term "identification code, etc." prescribed in the preceding paragraph means a code or other information that a bank, etc. uses, when providing services using an electronic data processing system, to distinguish the person receiving those services from other persons and identify that person. machine translation, not official --- ## Cites - suppl-4291-49/art-11/par-1: 新銀行法第五十二条の六十一の十第一項 → 銀行法 第五十二条の六十一の十第一項 (Article 52-61-10, paragraph (1)), art-52-61-10/par-1 — https://japanlaw.org/ja/banking-act/art-52-61-10/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-61-10/par-1 - suppl-4291-49/art-11/par-1: 附則第二条第四項 → 銀行法 附則第二条第四項 (Supplementary Provisions, Article 2, paragraph (4)), suppl-4291-49/art-2/par-4 — https://japanlaw.org/ja/banking-act/suppl-4291-49/art-2/par-4 · https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-2/par-4 - suppl-4291-49/art-11/par-2: 前項 → 銀行法 附則第十一条第一項 (Supplementary Provisions, Article 11, paragraph (1)), suppl-4291-49/art-11/par-1 — https://japanlaw.org/ja/banking-act/suppl-4291-49/art-11/par-1 · https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-11/par-1 ## Cited by 2 provisions cite this one. No official source publishes this direction. - 銀行法 附則第一条第一項（施行期日） — https://japanlaw.org/ja/banking-act/suppl-4291-49/art-1/par-1 · https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-1/par-1 - 銀行法 附則第十一条第二項（銀行等の努力義務） — https://japanlaw.org/ja/banking-act/suppl-4291-49/art-11/par-2 · https://japanlaw.org/l/356AC0000000059/suppl-4291-49/art-11/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 - claude-sonnet-5-5 — Machine translation, batch banking-act-20261012T020531-006, translated 2026-10-12 - This site's parser, version 189 — 銀行法 — structure, counts, cross-references and defined terms, computed 2026-10-11