Proposed Partial Revisions to Supervision Guidelines for Structured Deposits

On July 30, 2026, the Financial Services Agency published proposed revisions to supervision guidelines concerning structured deposits. The guidelines covered are the Comprehensive Supervision Guidelines for Major Banks and Others, for Small and Regional Financial Institutions, for Cooperative Financial Institutions, and for the Credit Business of Fishery Cooperatives, as well as related guidelines.

The purpose of the revisions is to clarify supervisory points concerning explanations of risks and other matters provided by banks and other institutions to customers when accepting structured deposits with complex mechanisms.

After the revisions, supervisory points concerning explanations of risks and other matters by banks and other institutions to customers when accepting structured deposits with complex mechanisms will be clarified.

The names and other details of persons submitting comments may be disclosed together with the comment content if a disclosure request is made. Those wishing to remain anonymous must state this at the beginning, and descriptions that could identify a specific individual or that could infringe the rights, competitive position, or other legitimate interests of a corporation or other entity may be redacted.

The specific contents of the proposed revisions are presented in the summary document and Appendices 1 through 4. Comments must include the submitter's name or organization name, occupation or industry, contact information, and reasons, and must be submitted by mail or online. Please refrain from submitting comments by telephone.

After the public comment period closes, the revisions are scheduled to be applied following the necessary procedures. Telephone numbers and other information provided with comments will be used to clarify uncertainties and confirm the submitter's position. Individual responses to comments will not be provided.