Public Comments on Proposed Supervisory Guideline Revisions

The FSA published the results of its call for comments on proposed partial revisions to the Comprehensive Supervisory Guidelines for Major Banks and related guidelines, along with the revision details. The call ran from July 30 to August 31, 2026. A summary of the comments and the FSA’s views are provided in Appendix 1.

Comments not directly related to this matter were also received, and the FSA stated that it would use them as a reference in future financial administration.

1. Overview of the revisions. The revisions cover supervisory guideline provisions on services that banks and other institutions provide in collaboration with other businesses using APIs and similar tools. They clarify the measures needed to prevent users from being misled and whether conduct by another business constitutes bank agency business (mediation). See Appendices 2 through 6 for details.

The attachments are partial revisions (comparison tables showing the old and new text) to Appendix 2, “Comprehensive Supervisory Guidelines for Major Banks”; Appendix 3, “Comprehensive Supervisory Guidelines for Small and Medium-Sized and Regional Financial Institutions”; Appendix 4, “Comprehensive Supervisory Guidelines for Cooperative Financial Institutions”; Appendix 5, “Comprehensive Supervisory Guidelines for Credit Business of Fishery Cooperative Federations”; and Appendix 6, “Comprehensive Supervisory Guidelines for Financial Services Intermediaries.” Appendix 1 presents a summary of the comments and the FSA’s views.

The revision to Section III-6-1 in Appendix 2 falls under the “minor changes” in Article 39, Paragraph 4, Item 8 of the Administrative Procedure Act; therefore, the public comment procedure prescribed by that Act was not conducted. 2. Effective date, etc. The revised supervisory guidelines take effect on November 6, 2026.