Japan’s Financial Services Agency Revises Banking API Regulatory Guidelines
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On November 6, 2026, Japan’s Financial Services Agency announced the results of revisions to its banking regulatory guidelines and the results of its public consultation. The revisions clarify that when banks collaborate with other operators to provide services through APIs or other means, they must take measures to prevent users from being misled and clarify whether the relevant conduct constitutes banking agency business (mediation). The public consultation received a total of 21 comments from 9 individuals and organizations. The revised regulatory guidelines apply from November 6, Reiwa 8, and cover guidelines related to various types of financial institutions, including major banks, small and medium-sized financial institutions, and regional financial institutions.
AI-written from reports · updated 1 hour ago
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- 金融庁SelectedJapan’s Financial Services Agency publishes revisions to bank regulatory guidelines, clarifying boundaries between API-linked services and bank agency business
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.
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