Japan’s Financial Services Agency publishes revisions to bank regulatory guidelines, clarifying boundaries between API-linked services and bank agency business
「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。
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Japan’s Financial Services Agency published the revisions to the relevant regulatory guidelines and the results of its public consultation, clarifying measures to prevent users from being misled when banks collaborate with other business operators to provide services via APIs and other means, as well as whether related conduct constitutes bank agency business (intermediation). The consultation received 21 comments from 9 individuals and organizations. The revised regulatory guidelines will apply from 令和8年11月6日, covering multiple types of guidelines for major banks, small and medium-sized and regional financial institutions, and others.
The revisions cover multiple regulatory guidelines for banks and financial services intermediary businesses, allowing readers to understand the requirements for preventing users from being misled in API-linked services and the boundaries of bank agency business.
Source:金融庁 · fsa.go.jp