Important
FSA finalizes amendments to bank supervisory guidelines on API-linked services and agency rules
- Summary
- The Financial Services Agency has published the public comments it received on draft amendments to its comprehensive supervisory guidelines for major banks and other financial institutions. The amendments add measures to prevent users from misunderstanding services that banks provide together with other businesses through APIs. They also clarify when another business's activities count as bank agency (intermediation) business. The revised guidelines apply from 6 November 2026.
- Who is affected
- Banks and other financial institutions (major banks, small and regional banks, cooperative financial institutions, and financial service intermediaries) that offer services through APIs, and businesses that partner with them on such services.
- What to do
- Banks and partners offering API-linked services should review their arrangements against the revised guidelines, which apply from 6 November 2026. Other businesses have nothing to do. The FSA's comment summary and the redline versions of each guideline are available on the notice page.
- Deadline
- Not stated in the original
- Original title (Japanese)
- 「主要行等向けの総合的な監督指針」等の一部改正（案）に対するパブリックコメントの結果等について公表しました。
- Issued by
- Financial Services Agency (FSA)
Summarized and translated by AI. The original Japanese text is authoritative. Sources: the websites of each Japanese government body (see the original link for each notice). Summarized and translated into English by AI by Japan Regulation Watch under the Public Data License (Version 1.0) of the Government of Japan. This is not an official translation and was not created by the government.
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