# 資金決済に関する法律 / Payment Services Act — 第四十五条 (Article 45) - 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 (Article 45)（履行保証金信託契約） — address `art-45` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/ja/payment-services-act/art-45 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/421AC0000000059/art-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. --- ### 第四十五条（履行保証金信託契約） — (Trust Agreements for Security Deposits for Providing Funds Transfer Services) caption: Ministry of Justice translation — Japanese Law Translation Database System art-45 · https://japanlaw.org/ja/payment-services-act/art-45 · https://japanlaw.org/l/421AC0000000059/art-45 **第一項** 資金移動業者は、信託会社等との間で、その営む資金移動業の種別ごとに履行保証金信託契約（当該信託会社等が内閣総理大臣の命令に応じて信託財産を履行保証金の供託に充てることを信託の目的として当該信託財産の管理その他の当該目的の達成のために必要な行為をすべき旨の信託契約をいう。以下この章において同じ。）を締結し、その旨を内閣総理大臣に届け出たときは、当該履行保証金信託契約に基づき信託財産が信託されている間、当該信託財産の額につき、当該種別の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。 art-45/par-1 · https://japanlaw.org/ja/payment-services-act/art-45/par-1 · https://japanlaw.org/l/421AC0000000059/art-45/par-1 If a funds transfer service provider concludes a trust agreement for security deposits for providing funds transfer services with a trust company, etc. (meaning a trust agreement whose purpose is to apply trust property to security deposits for providing funds transfer services in response to an order by the Prime Minister, which states that the trust company, etc. carries out necessary acts including the management of trust property for achieving the purpose of the trust; the same applies hereinafter in this Chapter) for each category of funds transfer service that it provides and has notified the Minister to that effect, it may choose not to make all or part of the security deposits for providing funds transfer services for the relevant category of funds transfer service with regard to the amount of trust property during the period in which the trust property is entrusted pursuant to the trust agreement for security deposits for providing funds transfer services. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 履行保証金信託契約は、次に掲げる事項をその内容とするものでなければならない。 art-45/par-2 · https://japanlaw.org/ja/payment-services-act/art-45/par-2 · https://japanlaw.org/l/421AC0000000059/art-45/par-2 A trust agreement for security deposits for providing funds transfer services must provide the following particulars: Ministry of Justice translation — Japanese Law Translation Database System **一** 履行保証金信託契約を締結する資金移動業者が行う為替取引（当該履行保証金信託契約に係る種別の資金移動業に係るものに限る。）の利用者を受益者とすること。 art-45/par-2/item-1 · https://japanlaw.org/ja/payment-services-act/art-45/par-2/item-1 · https://japanlaw.org/l/421AC0000000059/art-45/par-2/item-1 the beneficiaries of the trust agreement for security deposits for providing funds transfer services are to be the users of funds transfer transactions carried out by the funds transfer service provider who is the party to the trust agreement for security deposits for providing funds transfer services (limited to funds transfer transactions for the category of funds transfer service pertaining to the trust agreement for security deposits for providing funds transfer services); Ministry of Justice translation — Japanese Law Translation Database System **二** 受益者代理人を置いていること。 art-45/par-2/item-2 · https://japanlaw.org/ja/payment-services-act/art-45/par-2/item-2 · https://japanlaw.org/l/421AC0000000059/art-45/par-2/item-2 an agent of the beneficiaries is appointed; Ministry of Justice translation — Japanese Law Translation Database System **三** 内閣総理大臣の命令に応じて、信託会社等が信託財産を換価し、供託をすること。 art-45/par-2/item-3 · https://japanlaw.org/ja/payment-services-act/art-45/par-2/item-3 · https://japanlaw.org/l/421AC0000000059/art-45/par-2/item-3 a trust company, etc. realizes the trust property and deposits the proceeds thereof in response to an order by the Prime Minister; and Ministry of Justice translation — Japanese Law Translation Database System **四** その他内閣府令で定める事項 art-45/par-2/item-4 · https://japanlaw.org/ja/payment-services-act/art-45/par-2/item-4 · https://japanlaw.org/l/421AC0000000059/art-45/par-2/item-4 other particulars specified by Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 履行保証金信託契約に基づき信託される信託財産の種類は、金銭若しくは預貯金（内閣府令で定めるものに限る。）又は国債証券、地方債証券その他の内閣府令で定める債券に限るものとする。この場合において、当該債券の評価額は、内閣府令で定めるところによる。 art-45/par-3 · https://japanlaw.org/ja/payment-services-act/art-45/par-3 · https://japanlaw.org/l/421AC0000000059/art-45/par-3 The types of the trust properties entrusted pursuant to a trust agreement for security deposits for providing funds transfer services are to be limited to money, bank deposits and savings (limited to those specified by Cabinet Office Order), or national government bond certificates, local government bond certificates or other bond certificates specified by Cabinet Office Order. In this case, the appraised value of those bond certificates is determined pursuant to the provisions of Cabinet Office Order. Ministry of Justice translation — Japanese Law Translation Database System ## Cited by 10 provisions cite this one. No official source publishes this direction. - 資金決済に関する法律 第四十三条第三項（履行保証金の供託） — https://japanlaw.org/ja/payment-services-act/art-43/par-3 · https://japanlaw.org/l/421AC0000000059/art-43/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/ja/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/ja/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 第四十五条の五第三項（履行保証金弁済信託契約） — https://japanlaw.org/ja/payment-services-act/art-45-5/par-3 · https://japanlaw.org/l/421AC0000000059/art-45-5/par-3 - 資金決済に関する法律 第四十七条第一項第一号（履行保証金の取戻し） — https://japanlaw.org/ja/payment-services-act/art-47/par-1/item-1 · https://japanlaw.org/l/421AC0000000059/art-47/par-1/item-1 - 資金決済に関する法律 第五十八条の二第一項（履行保証金の供託等に係る特例） — https://japanlaw.org/ja/payment-services-act/art-58-2/par-1 · https://japanlaw.org/l/421AC0000000059/art-58-2/par-1 - 資金決済に関する法律 附則第九条第一項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-9/par-1 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-9/par-1 - 資金決済に関する法律 附則第十二条第一項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-12/par-1 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-12/par-1 - 資金決済に関する法律 附則第十二条第二項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-12/par-2 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-12/par-2 - 資金決済に関する法律 附則第十二条第三項 — https://japanlaw.org/ja/payment-services-act/suppl-5021-50/art-12/par-3 · https://japanlaw.org/l/421AC0000000059/suppl-5021-50/art-12/par-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 - 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