資金決済法: 資金移動関連JE

資金決済に関する法律から資金移動の関連条項を抜粋し、日英語併記[暫定訳 (c)Japanese Law Translation])で掲載します。

資金決済に関する法律 Payment Services Act (Tentative translation) 平成21年6月24日法律第59号 Act No. 59 of June 24, 2009
(c) Japanese Law Translation, Payment Services Act
第1章 総則(第1条-第2条の2) Chapter I General Provisions
第2章 前払式支払手段 Chapter II Prepaid Payment Instruments

第1節 総則(第3条・第4条) Section 1 General Provisions
第2節 自家型発行者(第5条・第6条) Section 2 Issuer of Prepaid Payment Instruments for Own Business
第3節 第三者型発行者(第7条-第12条) Section 3 Issuer of Prepaid Payment Instruments for Third-Party Business
第4節 業務(第13条-第21条の3) Section 4 Business
第5節 監督(第22条-第29条) Section 5 Supervision
第6節 雑則(第29条の2-第36条) Section 6 Miscellaneous Provisions
第3章 資金移動 Chapter III Funds Transfers
第1節 総則(第36条の2-第42条) Section 1 General Provisions
第2節 業務(第43条-第51条の4) Section 2 Business
第3節 監督(第52条-第58条)Section 3 Supervision
第4節 雑則(第58条2-第63条) Section 4 Miscellaneous Provisions
第3章の2 暗号資産 Chapter III-2 Crypto-Assets
第1節 総則(第63条の2-第63条の7) Section 1 General Provisions
第2節 業務(第63条の8-第63条の12) Section 2 Business
第3節 監督(第63条の13-第63条の19) Section 3 Supervision
第4節 雑則(第63条の19の2-第63条の22) Section 4 Miscellaneous Provisions
第4章 資金清算 Chapter IV Clearing for Funds Transfer Transactions
第1節 総則(第64条-第68条) Section 1 General Provisions
第2節 業務(第69条-第75条) Section 2 Business
第3節 監督(第76条-第82条) Section 3 Supervision
第4節 雑則(第83条-第86条) Section 4 Miscellaneous Provisions
第5章 認定資金決済事業者協会(第87条-第98条) Chapter V Certified Associations for Payment Service Providers
第6章 指定紛争解決機関(第99条-第101条) Chapter VI Designated Dispute Resolution Organizations
第7章 雑則(第102条-第106条) Chapter VII Miscellaneous Provisions
第8章 罰則(第107条-第118条) Chapter VIII Penal Provisions

附則 Supplementary Provisions
第一章 総則 Chapter I General Provisions
(目的)(Purpose)
第一条 この法律は、資金決済に関するサービスの適切な実施を確保し、その利用者等を保護するとともに、当該サービスの提供の促進を図るため、前払式支払手段の発行、銀行等以外の者が行う為替取引、暗号資産の交換等及び銀行等の間で生じた為替取引に係る債権債務の清算について、登録その他の必要な措置を講じ、もって資金決済システムの安全性、効率性及び利便性の向上に資することを目的とする。
Article 1 The purpose of this Act is to enforce registration and provide other necessary measures with respect to the issuance of Prepaid Payment Instruments, exchange transactions carried out by persons other than Deposit-Taking Institutions, Exchange of Crypto-Assets, etc., and the clearing of exchange transactions between Deposit-Taking Institutions, in order to ensure the appropriate provision of payment services, and protection of the users, etc. thereof, and to promote the provision of those services, thereby contributing to the improvement of the safety, efficiency, and convenience of the payment and settlement system.

(定義)(Definitions)
第二条 この法律において「前払式支払手段発行者」とは、第三条第六項に規定する自家型発行者及び同条第七項に規定する第三者型発行者をいう。
Article 2 (1) The term “Issuer of Prepaid Payment Instruments” as used in this Act means an Issuer of Prepaid Payment Instruments for Own Business as prescribed in Article 3, paragraph (6) and an Issuer of Prepaid Payment Instruments for Third-Party Business as prescribed in Article 3, paragraph (7).
2 この法律において「資金移動業」とは、銀行等以外の者が為替取引を業として営むことをいう。
(2) The term “Funds Transfer Services” as used in this Act means exchange transactions carried out by persons other than Deposit-Taking Institutions in the course of trade.
3 この法律において「資金移動業者」とは、第三十七条の登録を受けた者をいう。
(3) The term “Funds Transfer Service Provider” as used in this Act means a person registered under Article 37.
4 この法律において「外国資金移動業者」とは、この法律に相当する外国の法令の規定により当該外国において第三十七条の登録と同種類の登録(当該登録に類する許可その他の行政処分を含む。)を受けて為替取引を業として営む者をいう。
(4) The term “Foreign Funds Transfer Service Provider” as used in this Act means a person who carries out exchange transactions in the course of trade in a foreign state under the same kind of registration as the one referred to in Article 37 pursuant to the provisions of laws and regulations of that foreign state equivalent to this Act (including permission or other administrative dispositions similar to that registration).
5 この法律において「暗号資産」とは、次に掲げるものをいう。ただし、金融商品取引法(昭和二十三年法律第二十五号)第二条第三項に規定する電子記録移転権利を表示するものを除く。
(5) The term “Crypto-Assets” as used in this Act means any of the following; provided, however, that those indicating Electronically Recorded Transferable Rights prescribed in Article 2, paragraph (3) of the Financial Instruments and Exchange Act (Act No. 25 of 1948) are excluded:
一 物品を購入し、若しくは借り受け、又は役務の提供を受ける場合に、これらの代価の弁済のために不特定の者に対して使用することができ、かつ、不特定の者を相手方として購入及び売却を行うことができる財産的価値(電子機器その他の物に電子的方法により記録されているものに限り、本邦通貨及び外国通貨並びに通貨建資産を除く。次号において同じ。)であって、電子情報処理組織を用いて移転することができるもの
(i) property value (limited to that which is recorded on an electronic device or any other object by electronic means, and excluding the Japanese currency, foreign currencies, and Currency-Denominated Assets; the same applies in the following item) which can be used in relation to unspecified persons for the purpose of paying consideration for the purchase or leasing of goods or the receipt of provision of services and can also be purchased from and sold to unspecified persons acting as counterparties, and which can be transferred by means of an electronic data processing system; and
二 不特定の者を相手方として前号に掲げるものと相互に交換を行うことができる財産的価値であって、電子情報処理組織を用いて移転することができるもの
(ii) property value which can be mutually exchanged with what is set forth in the preceding item with unspecified persons acting as counterparties, and which can be transferred by means of an electronic data processing system.
6 この法律において「通貨建資産」とは、本邦通貨若しくは外国通貨をもって表示され、又は本邦通貨若しくは外国通貨をもって債務の履行、払戻しその他これらに準ずるもの(以下この項において「債務の履行等」という。)が行われることとされている資産をいう。この場合において、通貨建資産をもって債務の履行等が行われることとされている資産は、通貨建資産とみなす。
(6) The term “Currency-Denominated Assets” as used in this Act means assets which are denominated in the Japanese currency or a foreign currency, or for which performance of obligations, refund, or anything equivalent thereto (hereinafter referred to as “performance of obligations, etc.” in this paragraph) is supposed to be made in the Japanese currency or a foreign currency. In this case, assets for which performance of obligations, etc. is supposed to be made by means of Currency-Denominated Assets are deemed to be Currency-Denominated Assets.
7 この法律において「暗号資産交換業」とは、次に掲げる行為のいずれかを業として行うことをいい、「暗号資産の交換等」とは、第一号及び第二号に掲げる行為をいい、「暗号資産の管理」とは、第四号に掲げる行為をいう。
(7) The term “Crypto-Asset Exchange Services” as used in this Act means carrying out any of the following acts in the course of trade, the term “Exchange of Crypto-Assets, etc.” as used in this Act means the acts set forth in items (i) and (ii), and the term “management of Crypto-Assets” as used in this Act means the act set forth in item (iv):
一 暗号資産の売買又は他の暗号資産との交換
(i) purchase and sale of a Crypto-Asset or exchange with another Crypto-Asset;
二 前号に掲げる行為の媒介、取次ぎ又は代理
(ii) intermediary, brokerage or agency services for the act set forth in the preceding item;
三 その行う前二号に掲げる行為に関して、利用者の金銭の管理をすること。
(iii) management of users’ money, carried out by persons in connection with their acts set forth in the preceding two items; and
四 他人のために暗号資産の管理をすること(当該管理を業として行うことにつき他の法律に特別の規定のある場合を除く。)。
(iv) management of Crypto-Assets on behalf of another person (excluding cases where said management in the course of trade is governed by special provisions of other Acts).
8 この法律において「暗号資産交換業者」とは、第六十三条の二の登録を受けた者をいう。
(8) The term “Crypto-Asset Exchange Service Provider” as used in this Act means a person registered under Article 63-2.
9 この法律において「外国暗号資産交換業者」とは、この法律に相当する外国の法令の規定により当該外国において第六十三条の二の登録と同種類の登録(当該登録に類する許可その他の行政処分を含む。)を受けて暗号資産交換業を行う者をいう。
(9) The term “Foreign Crypto-Asset Exchange Service Provider” as used in this Act means a person who carries out Crypto-Asset Exchange Services in the course of trade in a foreign state under the same kind of registration as the one referred to in Article 63-2, pursuant to the provisions of laws and regulations of that foreign state equivalent to this Act (including permission or other administrative dispositions similar to that registration).
10 この法律において「資金清算業」とは、為替取引に係る債権債務の清算のため、債務の引受け、更改その他の方法により、銀行等の間で生じた為替取引に基づく債務を負担することを業として行うことをいう。
(10) The term “Clearing Services for Interbank Funds Transfer” as used in this Act means acts of bearing obligations under exchange transactions arising between Deposit-Taking Institutions in the course of trade by way of the assumption of an obligation, novation or other means for the purpose of clearing claims and debts relating to the exchange transactions.
11 この法律において「資金清算機関」とは、第六十四条第一項の免許を受けた者をいう。
(11) The term “Clearing Institution for Interbank Funds Transfer” as used in this Act means a person who has obtained the license under Article 64, paragraph (1).
12 この法律において「認定資金決済事業者協会」とは、第八十七条の規定による認定を受けた一般社団法人をいう。
(12) The term “Certified Association for Payment Service Providers” as used in this Act means a general incorporated association that has been granted the certification under Article 87.
13 この法律において「指定紛争解決機関」とは、第九十九条第一項の規定による指定を受けた者をいう。
(13) The term “Designated Dispute Resolution Organization” as used in this Act means a person who has been designated as such under Article 99, paragraph (1).
14 この法律において「紛争解決等業務」とは、苦情処理手続(資金移動業又は暗号資産交換業に関する苦情を処理する手続をいう。)及び紛争解決手続(資金移動業又は暗号資産交換業に関する紛争で当事者が和解をすることができるものについて訴訟手続によらずに解決を図る手続をいう。第百条第三項を除き、以下同じ。)に係る業務並びにこれに付随する業務をいう。
(14) The term “Dispute Resolution Services” as used in this Act means services involved in complaint processing procedures (meaning procedures for processing complaints concerning Funds Transfer Services or Crypto-Asset Exchange Services) and dispute resolution procedures (meaning procedures for resolving a dispute concerning Funds Transfer Services or Crypto-Asset Exchange Services between parties who agree to seek a settlement without following litigation proceedings; hereinafter the same applies except in Article 100, paragraph (3)), as well as services incidental thereto.
15 この法律において「紛争解決等業務の種別」とは、紛争解決等業務に係る資金移動業務(資金移動業者が営む為替取引に係る業務をいう。第五十一条の四第一項第一号において同じ。)及び暗号資産交換業務(暗号資産交換業者が行う第七項各号に掲げる行為に係る業務をいう。第六十三条の十二第一項第一号において同じ。)の種別をいう。
(15) The term “Category of Dispute Resolution Services” as used in this Act means whether Dispute Resolution Services are connected with funds transfer business (meaning businesses involved in exchange transactions carried out by a Funds Transfer Service Provider; the same applies in Article 51-4, paragraph (1), item (i)) or crypto-asset exchange business (meaning businesses involved in any of the acts set forth in the items of paragraph (7) performed by a Crypto-Asset Exchange Service Provider; the same applies in Article 63-12, paragraph (1), item (i)).
16 この法律において「信託会社等」とは、信託業法(平成十六年法律第百五十四号)第三条若しくは第五十三条第一項の免許を受けた信託会社若しくは外国信託会社又は金融機関の信託業務の兼営等に関する法律(昭和十八年法律第四十三号)第一条第一項の認可を受けた金融機関をいう。
(16) The term “Trust Company, etc.” as used in this Act means a trust company or a foreign trust company that has obtained a license under Article 3 or Article 53, paragraph (1) of the Trust Business Act (Act No. 154 of 2004) or a financial institution that has obtained the authorization under Article 1, paragraph (1) of the Act on Concurrent Operation of Trust Business by a Financial Institution (Act No. 43 of 1943).
17 この法律において「銀行等」とは、次に掲げる者をいう。
(17) The term “Deposit-Taking Institutions” as used in this Act means any of the following persons:
一 銀行法(昭和五十六年法律第五十九号)第二条第一項に規定する銀行
(i) a bank prescribed in Article 2, paragraph (1) of the Banking Act (Act No. 59 of 1981);
二 長期信用銀行法(昭和二十七年法律第百八十七号)第二条に規定する長期信用銀行
(ii) a long-term credit bank prescribed in Article 2 of the Long-Term Credit Bank Act (Act No. 187 of 1952);
三 信用金庫
(iii) a credit union;
四 信用金庫連合会
(iv) a federation of shinkin banks;
五 労働金庫
(v) a labor bank;
六 労働金庫連合会
(vi) a federation of labor banks;
七 信用協同組合
(vii) a credit cooperative;
八 中小企業等協同組合法(昭和二十四年法律第百八十一号)第九条の九第一項第一号の事業を行う協同組合連合会
(viii) a federation of credit cooperatives that engages in the business set forth in Article 9-9, paragraph (1), item (i) of the Small and Medium Sized Enterprises, etc. Cooperatives Act (Act No. 181 of 1949);
九 農業協同組合法(昭和二十二年法律第百三十二号)第十条第一項第三号の事業を行う農業協同組合
(ix) an agricultural cooperative that engages in the business set forth in Article 10, paragraph (1), item (iii) of the Agricultural Cooperatives Act (Act No. 132 of 1947);
十 農業協同組合法第十条第一項第三号の事業を行う農業協同組合連合会
(x) a federation of agricultural cooperatives that engages in the business set forth in Article 10, paragraph (1), item (iii) of the Agricultural Cooperatives Act;
十一 水産業協同組合法(昭和二十三年法律第二百四十二号)第十一条第一項第四号の事業を行う漁業協同組合
(xi) a fisheries cooperative that engages in the business set forth in Article 11, paragraph (1), item (iv) of the Fisheries Cooperatives Act (Act No. 242 of 1948);
十二 水産業協同組合法第八十七条第一項第四号の事業を行う漁業協同組合連合会
(xii) a federation of fisheries cooperatives that engages in the business set forth in Article 87, paragraph (1), item (iv) of the Fisheries Cooperatives Act;
十三 水産業協同組合法第九十三条第一項第二号の事業を行う水産加工業協同組合
(xiii) a fishery processing cooperative that engages in the business set forth in Article 93, paragraph (1), item (ii) of the Fisheries Cooperatives Act;
十四 水産業協同組合法第九十七条第一項第二号の事業を行う水産加工業協同組合連合会
(xiv) a federation of fishery processing cooperatives that engages in the business set forth in Article 97, paragraph (1), item (ii) of the Fisheries Cooperatives Act;
十五 農林中央金庫
(xv) the Norinchukin Bank; and
十六 株式会社商工組合中央金庫
(xvi) the Shoko Chukin Bank Limited.
18 この法律において「破産手続開始の申立て等」とは、破産手続開始の申立て、再生手続開始の申立て、更生手続開始の申立て、特別清算開始の申立て又は外国倒産処理手続の承認の申立て(外国の法令上これらに相当する申立てを含む。)をいう。
(18) The term “Petition for Commencement of Bankruptcy Proceedings, etc.” as used in this Act means a petition for commencement of bankruptcy proceedings, rehabilitation proceedings, reorganization proceedings or special liquidation, or a petition for recognition of foreign insolvency proceedings (including filing of a petition equivalent thereto under laws and regulations of a foreign state).
19 この法律において「銀行法等」とは、銀行法長期信用銀行法信用金庫法(昭和二十六年法律第二百三十八号)、労働金庫法(昭和二十八年法律第二百二十七号)、中小企業等協同組合法協同組合による金融事業に関する法律(昭和二十四年法律第百八十三号)、農業協同組合法水産業協同組合法農林中央金庫法(平成十三年法律第九十三号)又は株式会社商工組合中央金庫法(平成十九年法律第七十四号)をいう。
(19) The term “Banking Act, etc.” as used in this Act means any of the following: the Banking Act, the Long-Term Credit Bank Act, the Shinkin Bank Act (Act No. 238 of 1951), the Labor Bank Act (Act No. 227 of 1953), the Small and Medium Sized Enterprises, etc. Cooperatives Act, the Act on Financial Businesses by Cooperative (Act No. 183 of 1949), the Agricultural Cooperatives Act, the Fisheries Cooperatives Act, the Norinchukin Bank Act (Act No. 93 of 2001) and the Shoko Chukin Bank Limited Act (Act No. 74 of 2007).
第二条の二 金銭債権を有する者(以下この条において「受取人」という。)からの委託、受取人からの金銭債権の譲受けその他これらに類する方法により、当該金銭債権に係る債務者又は当該債務者からの委託(二以上の段階にわたる委託を含む。)その他これに類する方法により支払を行う者から弁済として資金を受け入れ、又は他の者に受け入れさせ、当該受取人に当該資金を移動させる行為(当該資金を当該受取人に交付することにより移動させる行為を除く。)であって、受取人が個人(事業として又は事業のために受取人となる場合におけるものを除く。)であることその他の内閣府令で定める要件を満たすものは、為替取引に該当するものとする。
Article 2-2 An act, through entrustment by a person who has a monetary claim (hereinafter referred to as a “beneficiary” in this Article), acquisition of monetary claim from a beneficiary, or other method similar to these of receiving funds or having another person receive funds as performance from a debtor pertaining to the monetary claim or a person who makes a payment through entrustment by that debtor (including those under multi-tier entrustment arrangements) or other method similar to this, thereby having those funds transferred to that beneficiary (excluding an act of transferring those funds by delivering them to that beneficiary), which satisfies the requirements specified by Cabinet Office Ordinance, including that a beneficiary is an individual (excluding an individual in the case where the individual serves as a beneficiary as a business or for the purpose of business), is deemed to fall under the category of exchange transactions.
第三章 資金移動 Chapter III Funds Transfers
(定義)(Definitions)
第三十六条の二 この章において「第一種資金移動業」とは、資金移動業のうち、第二種資金移動業及び第三種資金移動業以外のものをいう。
Article 36-2 (1) The term “Type I Funds Transfer Services” as used in this Act means Funds Transfer Services other than Type II Funds Transfer Services and Type III Funds Transfer Services.
2 この章において「第二種資金移動業」とは、資金移動業のうち、少額として政令で定める額以下の資金の移動に係る為替取引のみを業として営むこと(第三種資金移動業を除く。)をいう。
(2) The term “Type II Funds Transfer Services” as used in this Act means Funds Transfer Services of carrying out only exchange transactions for the transfer of funds at amounts not exceeding the amount specified by Cabinet Order as a small amount (excluding Type III Funds Transfer Services).
3 この章において「第三種資金移動業」とは、資金移動業のうち、特に少額として政令で定める額以下の資金の移動に係る為替取引のみを業として営むことをいう。
(3) The term “Type III Funds Transfer Services” as used in this Act means Funds Transfer Services of carrying out only exchange transactions for the transfer of funds at amounts not exceeding the amount specified by Cabinet Order as a particularly small amount.

(資金移動業者の登録)(Registration of Funds Transfer Service Provider)
第三十七条 内閣総理大臣の登録を受けた者は、銀行法第四条第一項及び第四十七条第一項の規定にかかわらず、資金移動業を営むことができる。
Article 37 Notwithstanding the provisions of Article 4, paragraph (1) and Article 47, paragraph (1) of the Banking Act, a person registered with the Prime Minister may engage in the Funds Transfer Service.

(登録の申請)(Application for Registration)
第三十八条 前条の登録を受けようとする者は、内閣府令で定めるところにより、次に掲げる事項を記載した登録申請書を内閣総理大臣に提出しなければならない。
Article 38 (1) A person who intends to obtain registration under the preceding Article must, pursuant to the provisions of Cabinet Office Order, submit a written application for registration containing the following particulars to the Prime Minister:
一 商号及び住所
(i) trade name and address;
二 資本金の額
(ii) amount of capital;
三 資金移動業に係る営業所の名称及び所在地
(iii) name and location of the business office pertaining to the Funds Transfer Service;
四 取締役及び監査役(監査等委員会設置会社にあっては取締役とし、指名委員会等設置会社にあっては取締役及び執行役とし、外国資金移動業者にあっては外国の法令上これらに相当する者とする。第四十条第一項第十号において同じ。)の氏名
(iv) name of director and company auditor (director In cases of a company with an audit and supervisory committee; director and executive officer In cases of a company with a nominating committee, etc.; and persons equivalent thereto under laws and regulations of a foreign state In cases of a Foreign Funds Transfer Service Provider; the same applies in Article 40, paragraph (1), item (x));
五 会計参与設置会社にあっては、会計参与の氏名又は名称
(v) in cases of a company with accounting advisors, names of accounting advisors;
六 外国資金移動業者にあっては、国内における代表者の氏名
(vi) in cases of a Foreign Funds Transfer Service Provider, name of the representative person in Japan;
七 資金移動業の種別(第一種資金移動業、第二種資金移動業及び第三種資金移動業の種別をいう。以下この章において同じ。)
(vii) category of Funds Transfer Services (meaning the category of Type I Funds Transfer Services, Type II Funds Transfer Services, or Type III Funds Transfer Services; hereinafter the same applies in this Chapter);
八 資金移動業の内容及び方法
(viii) contents and means of the Funds Transfer Service;
九 資金移動業の一部を第三者に委託する場合にあっては、当該委託に係る業務の内容並びにその委託先の氏名又は商号若しくは名称及び住所
(ix) in cases where part of the Funds Transfer Services is entrusted to a third party, contents of the business pertaining to that entrustment and the name or trade name or other name and address of the third party to whom the Funds Transfer Services are entrusted;
十 他に事業を行っているときは、その事業の種類
(x) type of other businesses, if any; and
十一 その他内閣府令で定める事項
(xi) other particulars specified by Cabinet Office Order.
2 前項の登録申請書には、第四十条第一項各号に該当しないことを誓約する書面、財務に関する書類、資金移動業を適正かつ確実に遂行する体制の整備に関する事項を記載した書類その他の内閣府令で定める書類を添付しなければならない。
(2) A document in which the applicant pledges not to fall under any of the items of Article 40, paragraph (1), documents concerning finance, documents containing particulars concerning the establishment of a system for ensuring the proper and secure conduct of Funds Transfer Services, and other documents specified by Cabinet Office Order must be attached to the application for registration under the preceding paragraph.

(資金移動業者登録簿)(Register of Funds Transfer Service Providers)
第三十九条 内閣総理大臣は、第三十七条の登録の申請があったときは、次条第一項の規定によりその登録を拒否する場合を除くほか、次に掲げる事項を資金移動業者登録簿に登録しなければならない。
Article 39 (1) The Prime Minister must, when an application for registration was made under Article 37, register the following particulars to the register of Funds Transfer Service Providers, except when refusing the registration pursuant to the provisions of paragraph (1) of the following Article:
一 前条第一項各号に掲げる事項
(i) particulars listed in the items of paragraph (1) of the preceding Article; and
二 登録年月日及び登録番号
(ii) date of registration and registration number.
2 内閣総理大臣は、前項の規定による登録をしたときは、遅滞なく、その旨を登録申請者に通知しなければならない。
(2) When the Prime Minister has made registration under the provisions of the preceding paragraph, the Prime Minister must notify the applicant to that effect without delay.
3 内閣総理大臣は、資金移動業者登録簿を公衆の縦覧に供しなければならない。
(3) The Prime Minister must make the register of Funds Transfer Service Providers available for public inspection.

(登録の拒否)(Refusal of Registration)
第四十条 内閣総理大臣は、登録申請者が次の各号のいずれかに該当するとき、又は登録申請書若しくはその添付書類のうちに重要な事項について虚偽の記載があり、若しくは重要な事実の記載が欠けているときは、その登録を拒否しなければならない。
Article 40 (1) The Prime Minister must refuse registration when an applicant falls under any of the following items, or a written application for registration or its accompanying documents contain false statements about important particulars, or lack any statement about important particulars:
一 株式会社又は外国資金移動業者(国内に営業所を有する外国会社に限る。)でないもの
(i) a person other than a stock company or a Foreign Funds Transfer Service Provider (limited to a foreign company that has a business office in Japan);
二 外国資金移動業者にあっては、国内における代表者(国内に住所を有するものに限る。)のない法人
(ii) a Foreign Funds Transfer Service Provider that is a corporation who does not have a representative person in Japan (limited to a person who is domiciled in Japan);
三 資金移動業を適正かつ確実に遂行するために必要と認められる財産的基礎を有しない法人
(iii) a corporation which is found to lack the sufficient financial foundation that is necessary for the proper and secure conduct of Funds Transfer Services;
四 資金移動業を適正かつ確実に遂行する体制の整備が行われていない法人
(iv) a corporation which has not established a system that is necessary for the proper and secure conduct of Funds Transfer Services;
五 この章の規定を遵守するために必要な体制の整備が行われていない法人
(v) a corporation which has not established a system that is necessary for ensuring compliance with the provisions of this Chapter;
六 他の資金移動業者が現に用いている商号と同一の商号又は他の資金移動業者と誤認されるおそれのある商号を用いようとする法人
(vi) a corporation which intends to use a trade name that is identical to the one currently used by another Funds Transfer Service Provider or that may be misidentified as another Funds Transfer Service Provider;
七 第五十六条第一項若しくは第二項の規定により第三十七条の登録を取り消され、第八十二条第一項若しくは第二項の規定により第六十四条第一項の免許を取り消され、又はこの法律若しくは銀行法等に相当する外国の法令の規定により当該外国において受けている同種類の登録若しくは免許(当該登録又は免許に類する許可その他の行政処分を含む。)を取り消され、その取消しの日から五年を経過しない法人
(vii) a corporation which had its registration under Article 37 revoked pursuant to the provisions of Article 56, paragraph (1) or (2), had its license under Article 64, paragraph (1) revoked pursuant to the provisions of Article 82, paragraph (1) or (2), or had the same kind of registration or license it had obtained in a foreign state (including permission or other administrative dispositions similar to that registration or license) revoked pursuant to the provisions of laws and regulations of that foreign state equivalent to this Act or the Banking Act, etc., and for which five years have not passed since the date of the revocation;
八 この法律、銀行法等若しくは出資の受入れ、預り金及び金利等の取締りに関する法律(昭和二十九年法律第百九十五号)又はこれらに相当する外国の法令の規定に違反し、罰金の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない法人
(viii) a corporation which has been punished by a fine (including a punishment under laws and regulations of a foreign state equivalent to this) for violating the provisions of this Act, the Banking Act, the Act on Regulation of Receiving of Capital Subscription, Deposits, and Interest Rates, etc. (Act No. 195 of 1954) or laws and regulations of a foreign state equivalent thereto, and for which five years have not passed since the day when the execution of the punishment terminated or the corporation became free from the execution of the punishment;
九 他に行う事業が公益に反すると認められる法人
(ix) a corporation whose other business is found to be against the public interest;
十 取締役若しくは監査役又は会計参与(外国資金移動業者にあっては、国内における代表者を含む。以下この章において「取締役等」という。)のうちに次のいずれかに該当する者のある法人
(x) a corporation whose directors, company auditors, or accounting advisors (including representative persons in Japan In cases of a Foreign Funds Transfer Service Provider; hereinafter referred to as “Directors, etc.” in this Chapter) include a person who falls under any of the following items:
イ 心身の故障のため資金移動業に係る職務を適正に執行することができない者として内閣府令で定める者
(a) a person specified by Cabinet Office Order as being unable to properly perform their duties pertaining to Funds Transfer Services due to a mental or physical disorder;
ロ 破産手続開始の決定を受けて復権を得ない者又は外国の法令上これに相当する者
(b) a person who has not had rights restored after receiving an order of commencement of bankruptcy proceedings, or a person equivalent thereto under laws and regulations of a foreign state;
ハ 禁錮以上の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない者
(c) a person who has been sentenced to imprisonment or heavier punishment (including equivalent punishment under laws and regulations of a foreign state), and for whom five years have not passed since either execution of the sentence or the cessation of being subject to its execution;
ニ この法律、銀行法等、出資の受入れ、預り金及び金利等の取締りに関する法律若しくは暴力団員による不当な行為の防止等に関する法律(平成三年法律第七十七号)又はこれらに相当する外国の法令の規定に違反し、罰金の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない者
(d) a person who has been punished by a fine (including a punishment under laws and regulations of a foreign state equivalent to this) for violating the provisions of this Act, the Banking Act, etc., the Act on Regulation of Receiving of Capital Subscription, Deposits, and Interest Rates, etc., the Act on Prevention of Illegal Acts by Organized Crime Group Members (Act No. 77 of 1991) or laws and regulations of a foreign state equivalent thereto, and for whom five years have not passed since the day when the execution of the punishment terminated or the corporation became free from the execution of the punishment; or
ホ 資金移動業者が第五十六条第一項若しくは第二項の規定により第三十七条の登録を取り消された場合又は法人がこの法律に相当する外国の法令の規定により当該外国において受けている同種類の登録(当該登録に類する許可その他の行政処分を含む。)を取り消された場合において、その取消しの日前三十日以内にその法人の取締役等であった者で、当該取消しの日から五年を経過しない者その他これに準ずるものとして政令で定める者
(e) in cases where a Funds Transfer Service Provider had its registration under Article 37 revoked pursuant to the provisions of Article 56, paragraph (1) or (2), or a corporation had the same kind of registration it had obtained in a foreign state (including permission or other administrative dispositions similar to that registration) revoked pursuant to the provisions of laws and regulations of that foreign state equivalent to this Act, a person who was a Director, etc. of that corporation at any time during the thirty days prior to the date of the revocation and for whom five years have not passed since that date or a person specified by Cabinet Order as similar thereto.
2 内閣総理大臣は、前項の規定により登録を拒否したときは、遅滞なく、その理由を示して、その旨を登録申請者に通知しなければならない。
(2) When the Prime Minister has refused the registration pursuant to the provisions of the preceding paragraph, the Prime Minister must notify the applicant to that effect by indicating the reason therefor without delay.

(業務実施計画の認可)(Authorization of a Business Implementation Plan)
第四十条の二 資金移動業者は、第一種資金移動業を営もうとするときは、次に掲げる事項を記載した業務実施計画を定め、内閣府令で定めるところにより、内閣総理大臣の認可を受けなければならない。その変更(内閣府令で定める軽微な変更を除く。)をしようとするときも、同様とする。
Article 40-2 (1) When a Funds Transfer Service Provider intends to engage in Type I Funds Transfer Services, the Funds Transfer Service Provider must formulate a business implementation plan containing the following particulars and obtain authorization of the Prime Minister, pursuant to the provisions of Cabinet Office Order. The same applies when a Funds Transfer Service Provider intends to change the business implementation plan (excluding minor changes specified by Cabinet Office Order):
一 為替取引により移動させる資金の額の上限額を定める場合にあっては、当該上限額
(i) in cases where the Funds Transfer Service Provider sets the upper limit for the amount of funds to transfer in exchange transactions, that upper limit;
二 為替取引を行うために使用する電子情報処理組織の管理の方法
(ii) the method of the management of an electronic data processing system to be used for exchange transactions; and
三 その他内閣府令で定める事項
(iii) other particulars specified by Cabinet Office Order.
2 資金移動業者は、前項に規定する内閣府令で定める軽微な変更をしたときは、遅滞なく、その旨を内閣総理大臣に届け出なければならない。
(2) When a Funds Transfer Service Provider has made any minor change specified by Cabinet Office Order as prescribed in the preceding paragraph, the Funds Transfer Service Provider must notify the Prime Minister to that effect.
3 内閣総理大臣は、その必要の限度において、第一項の認可に条件を付し、及びこれを変更することができる。
(3) The Prime Minister may attach conditions to the authorization under paragraph (1) and change those conditions, to the extent necessary.

(変更登録等)(Registration of Changes, etc.)
第四十一条 資金移動業者は、第三十八条第一項第七号に掲げる事項の変更(新たな種別の資金移動業を営もうとすることによるものに限る。)をしようとするときは、内閣府令で定めるところにより、内閣総理大臣の変更登録を受けなければならない。
Article 41 (1) When a Funds Transfer Service Provider intends to change the particulars set forth in Article 38, paragraph (1), item (vii) (limited to changes due to its intention to engage in a new category of Funds Transfer Services), the Funds Transfer Service Provider must obtain registration of change from the Prime Minister, pursuant to the provisions of Cabinet Office Order.
2 第三十八条から第四十条までの規定は、前項の変更登録について準用する。この場合において、第三十八条第一項中「次に掲げる」とあるのは「変更に係る」と、同条第二項中「第四十条第一項各号」とあるのは「第四十条第一項各号(第一号、第二号及び第六号から第十号までを除く。)」と、第三十九条第一項中「次に掲げる」とあるのは「変更に係る」と、第四十条第一項中「次の各号」とあるのは「次の各号(第一号、第二号及び第六号から第十号までを除く。)」と読み替えるものとする。
(2) The provisions of Articles 38 to 40 apply mutatis mutandis to the registration of change under the preceding paragraph. In this case, the term “the following particulars” in Article 38, paragraph (1) is deemed to be replaced with “the particulars pertaining to the change”, the term “any of the items of Article 40, paragraph (1)” in paragraph (2) of that Article is deemed to be replaced with “any of the items of Article 40, paragraph (1) (excluding items (i), (ii) and (vi) to (x))”, the term “the following particulars” in Article 39, paragraph (1) is deemed to be replaced with “the particulars pertaining to the change”, and the term “any of the following items” in Article 40, paragraph (1) is deemed to be replaced with “any of the items of Article 40, paragraph (1) (excluding items (i), (ii) and (vi) to (x))”.
3 資金移動業者は、第三十八条第一項第八号に掲げる事項の変更のうち資金移動業の利用者の保護に欠け、又は資金移動業の適正かつ確実な遂行に支障を及ぼすおそれが大きいものとして内閣府令で定める変更(次項において「特定業務内容等の変更」という。)をしようとするときは、あらかじめ、その旨を内閣総理大臣に届け出なければならない。
(3) Out of the particulars set forth in Article 38, paragraph (1), item (viii), when a Funds Transfer Service Provider intends to make any change specified by Cabinet Office Order as changes that are likely to impair the protection of users of Funds Transfer Services or hinder the proper and secure conduct of Funds Transfer Services (referred to “changes to the specified business outline, etc.” in the following paragraph), the Funds Transfer Service Provider must notify the Prime Minister to that effect in advance.
4 資金移動業者は、第三十八条第一項各号に掲げる事項のいずれかに変更(特定業務内容等の変更を除き、同項第七号に掲げる事項の変更にあっては、一の種別の資金移動業の全部を廃止したことによるものに限る。)があったときは、遅滞なく、その旨を内閣総理大臣に届け出なければならない。
(4) When there has been a change in any of the particulars set forth in the items of Article 38, paragraph (1) (excluding changes to the specified business outline, etc., and in the case of a change in the particulars set forth in item (vii) of that paragraph, limited to a change due to the discontinuation of all of one category of Funds Transfer Services), the Funds Transfer Service Provider must notify the Prime Minister to that effect without delay.
5 内閣総理大臣は、前二項の規定による届出を受理したときは、届出があった事項を資金移動業者登録簿に登録しなければならない。
(5) When the Prime Minister accepts a notification under the preceding two paragraphs, the Prime Minister must register the particulars notified in the register of Funds Transfer Service Providers.

(名義貸しの禁止)(Prohibition of Name Lending)
第四十二条 資金移動業者は、自己の名義をもって、他人に資金移動業を営ませてはならない。
Article 42 A Funds Transfer Service Provider must not have another person engage in the Funds Transfer Services under the name of the Funds Transfer Service Provider.

第二節 業務 Section 2 Business

(履行保証金の供託)(Making Security Deposits for Providing Funds Transfer Services)
第四十三条 資金移動業者は、次の各号に掲げる資金移動業の種別に応じ、当該各号に定めるところにより、資金移動業の種別ごとに履行保証金をその本店(外国資金移動業者である資金移動業者にあっては、国内における主たる営業所。第四十八条において同じ。)の最寄りの供託所に供託しなければならない。
Article 43 (1) A Funds Transfer Service Provider must make security deposits for providing Funds Transfer Services to the official depository nearest to its head office (in cases of a Funds Transfer Service Provider that is a Foreign Funds Transfer Service Provider, its principal business office in Japan; the same applies in Article 48) for each category of Funds Transfer Services set forth in the following items respectively as specified therein in accordance with the category of Funds Transfer Services:
一 第一種資金移動業 各営業日における第一種資金移動業に係る要履行保証額以上の額に相当する額の履行保証金を、当該各営業日から一週間以内で内閣府令で定める期間内において資金移動業者が定める期間内に供託すること。
(i) Type I Funds Transfer Services: make security deposits in an amount equivalent to an amount not less than the Required Amount as Security for Providing Funds Transfer Services as of each business day during a period that the Funds Transfer Service Provider specifies within the period specified by Cabinet Office Order not exceeding one week from the relevant business day; or
二 第二種資金移動業又は第三種資金移動業 一週間以内で資金移動業の種別ごとに資金移動業者が定める期間ごとに、当該期間における第二種資金移動業又は第三種資金移動業に係る要履行保証額の最高額以上の額に相当する額の履行保証金を、当該期間の末日(第四十五条の二第四項及び第五項並びに第四十七条第一号において「基準日」という。)から一週間以内で内閣府令で定める期間内において資金移動業の種別ごとに資金移動業者が定める期間内に供託すること。
(ii) Type II Funds Transfer Services or Type III Funds Transfer Services: make security deposits in an amount equivalent to an amount not less than the highest amount of the Required Amount as Security for Providing Funds Transfer Services pertaining to Type II Funds Transfer Services or Type III Funds Transfer Services during a period not exceeding one week that the Funds Transfer Service Provider specifies for each category of Funds Transfer Services, for each of the periods thus specified, during a period that the Funds Transfer Service Provider specifies within the period specified by Cabinet Office Order not exceeding one week from the last day of the former period (referred to as the “Base Date” in Article 45-2, paragraphs (4) and (5) and Article 47, item (i)).
2 前項各号の「要履行保証額」とは、資金移動業の種別ごとの各営業日における未達債務の額(資金移動業者がその行う為替取引に関し負担する債務の額であって内閣府令で定めるところにより算出した額をいう。以下この章において同じ。)と第五十九条第一項の権利の実行の手続に関する費用の額として内閣府令で定めるところにより算出した額の合計額(第四十五条の二第一項の規定の適用を受けている資金移動業者が営む第三種資金移動業にあっては、第三種資金移動業に係る各営業日における未達債務の額から当該各営業日における未達債務の額に同項に規定する預貯金等管理割合を乗じて得た額を控除した額と第五十九条第一項の権利の実行の手続に関する費用の額として内閣府令で定めるところにより算出した額の合計額)をいう。ただし、当該合計額が小規模な資金移動業者がその行う為替取引に関し負担する債務の履行を確保するために必要な額として政令で定める額以下である場合には、当該政令で定める額とする。
(2) The term “Required Amount as Security for Providing Funds Transfer Services” as used in the items of the preceding paragraph means the total of the amount of outstanding obligations in the process of being transferred (meaning an amount, calculated pursuant to the provisions of Cabinet Office Order, of obligations borne by a Funds Transfer Service Provider in relation to exchange transactions carried out by the Funds Transfer Service Provider; hereinafter the same applies in this Chapter) as of each business day for each category of Funds Transfer Services and an amount calculated pursuant to the provisions of Cabinet Office Order as the amount of costs pertaining to the procedure for the fulfillment of the right prescribed in Article 59, paragraph (1) (for Type III Funds Transfer Services by a Funds Transfer Service Provider to whom the provisions of Article 45-2, paragraph (1) are applied, the total of the amount obtained by deducting the amount of outstanding obligations in the process of being transferred pertaining to Type III Funds Transfer Services as of each business day multiplied by the rate of management by bank deposits or savings prescribed in that paragraph from the amount of outstanding obligations in the process of being transferred as of each of those business days, and the amount calculated pursuant to the provisions of Cabinet Office Order as the amount of costs pertaining to the procedure for the fulfillment of the right prescribed in Article 59, paragraph (1)); provided, however, that in cases where that total is not more than the amount specified by Cabinet Order as being necessary for ensuring the performance of obligations borne by a small-scale Funds Transfer Service Provider in relation to exchange transactions carried out by the small-scale Funds Transfer Service Provider, the Required Amount as Security for Providing Funds Transfer Services is to be that amount specified by the relevant Cabinet Order.
3 履行保証金は、国債証券、地方債証券その他の内閣府令で定める債券(社債、株式等の振替に関する法律第二百七十八条第一項に規定する振替債を含む。第四十五条第三項において同じ。)をもってこれに充てることができる。この場合において、当該債券の評価額は、内閣府令で定めるところによる。
(3) National government bond certificates, local government bond certificates or other bond certificates specified by Cabinet Office Order (including transfer bonds prescribed in Article 278, paragraph (1) of the Act on Transfer of Bonds, Shares, etc.; the same applies in Article 45, paragraph (3)) may be deposited to fulfill the security deposits for providing Funds Transfer Services requirement. In this case, the appraised value of those bond certificates is determined pursuant to the provisions of Cabinet Office Order.

(履行保証金保全契約)(Guarantee Contracts of Security Deposits for Providing Funds Transfer Services)
第四十四条 資金移動業者は、政令で定めるところにより、その営む資金移動業の種別ごとに履行保証金保全契約(政令で定める要件を満たす銀行等その他政令で定める者が資金移動業者のために内閣総理大臣の命令に応じて履行保証金を供託する旨の契約をいう。以下この章において同じ)を締結し、その旨を内閣総理大臣に届け出たときは、当該履行保証金保全契約の効力の存する間、保全金額(当該履行保証金保全契約において供託されることとなっている金額をいう。以下この章において同じ)につき、当該種別の資金移動業に係る履行保証金の全部又は一部の供託をしないことができる。
Article 44 When a Funds Transfer Service Provider has concluded a guarantee contract of security deposits of providing Funds Transfer Services (meaning a contract in which a Deposit-Taking Institution satisfying the requirements specified by Cabinet Order or any other person specified by Cabinet Order promises that security deposits for providing Funds Transfer Services will be made on behalf of the Funds Transfer Service Provider in response to an order by the Prime Minister; the same applies in this Chapter) for each category of Funds Transfer Services that it engages in and has notified the Prime Minister to that effect, pursuant to the provisions of Cabinet Order, it may choose not to make all or part of the security deposits for providing Funds Transfer Services for the relevant category of Funds Transfer Services with regard to the secured amount (meaning the amount of money to be deposited under the guarantee contract of security deposits for providing Funds Transfer Services; hereinafter the same applies in this Chapter) limited to the period during which that contract remains in force.

(履行保証金信託契約)(Trust Agreements of Security Deposits for Providing Funds Transfer Services)
第四十五条 資金移動業者は、信託会社等との間で、その営む資金移動業の種別ごとに履行保証金信託契約(当該信託会社等が内閣総理大臣の命令に応じて信託財産を履行保証金の供託に充てることを信託の目的として当該信託財産の管理その他の当該目的の達成のために必要な行為をすべき旨の信託契約をいう。以下この章において同じ)を締結し、その旨を内閣総理大臣に届け出たときは、当該履行保証金信託契約に基づき信託財産が信託されている間、当該信託財産の額につき、当該種別の資金移動業に係る履行保証金の全部又は一部の供託をしないことができる。
Article 45 (1) In cases where a Funds Transfer Service Provider has concluded with a Trust Company, etc. a trust agreement of security deposits for providing Funds Transfer Services (meaning a trust agreement the purpose of which is to apply trust property to security deposits for providing Funds Transfer Services in response to an order by the Prime Minister and the provisions which prescribe that the Trust Company, etc. carries out necessary acts including the management of trust property for achieving the purpose of the trust; the same applies hereinafter in this Chapter) for each category of Funds Transfer Services that it engages in and has notified the Prime Minister to that effect, it may choose not to make all or part of the security deposits for providing Funds Transfer Services for the relevant category of Funds Transfer Services with regard to the amount of trust property during the period in which the trust property is entrusted pursuant to the trust agreement of security deposits for providing Funds Transfer Services.
2 履行保証金信託契約は、次に掲げる事項をその内容とするものでなければならない。
(2) A trust agreement of security deposits for providing Funds Transfer Services must prescribe the following particulars:
一 履行保証金信託契約を締結する資金移動業者が行う為替取引(当該履行保証金信託契約に係る種別の資金移動業に係るものに限る。)の利用者を受益者とすること。
(i) the beneficiaries of the trust agreement of security deposits for providing Funds Transfer Services are to be the users of exchange transactions carried out by the Funds Transfer Service Provider who is the party to that trust agreement of security deposits for providing Funds Transfer Services (limited to exchange transactions for the category of Funds Transfer Services pertaining to the trust agreement of security deposits for providing Funds Transfer Services);
二 受益者代理人を置いていること。
(ii) an agent of the beneficiaries is appointed;
三 内閣総理大臣の命令に応じて、信託会社等が信託財産を換価し、供託をすること。
(iii) a Trust Company, etc. realizes the trust property and deposit the proceeds thereof in response to an order by the Prime Minister; and
四 その他内閣府令で定める事項
(iv) other particulars specified by Cabinet Office Order.
3 履行保証金信託契約に基づき信託される信託財産の種類は、金銭若しくは預貯金(内閣府令で定めるものに限る。)又は国債証券、地方債証券その他の内閣府令で定める債券に限るものとする。この場合において、当該債券の評価額は、内閣府令で定めるところによる。
(3) The type of the trust property entrusted pursuant to a trust agreement of security deposits for providing Funds Transfer Services is to be limited to money, bank deposits and savings (limited to those specified by Cabinet Office Order), or national government bond certificates, local government bond certificates or other bond certificates specified by Cabinet Office Order. In this case, the appraised value of those bond certificates is determined pursuant to the provisions of Cabinet Office Order.

(預貯金等による管理)(Management by Bank Deposits or Savings)
第四十五条の二 資金移動業者(第三種資金移動業を営む者に限る)は、内閣府令で定めるところにより、次に掲げる事項を記載した届出書を内閣総理大臣に提出したときは、第一号に掲げる日以後、第三種資金移動業に係る履行保証金の全部又は一部の供託をしないことができる。この場合において、当該資金移動業者は、第三種資金移動業に係る各営業日における未達債務の額に第二号に掲げる割合(当該割合を変更したときは、その変更後のもの。以下この条及び第五十九条第一項において「預貯金等管理割合」という)を乗じて得た額以上の額に相当する額の金銭を第一号に規定する預貯金等管理方法により管理しなければならない。
Article 45-2 (1) When a Funds Transfer Service Provider (limited to a person engaging in Type III Funds Transfer Services) has submitted a written notice containing the following particulars to the Prime Minister, pursuant to the provisions of Cabinet Office Order, it may choose not to make all or part of the security deposits for providing Type III Funds Transfer Services on or after the day set forth in item (i). In this case, the Funds Transfer Service Provider must manage money in an amount equivalent to the amount not less than the amount obtained by multiplying the amount of outstanding obligations in the process of being transferred pertaining to Type III Funds Transfer Services as of each business day by the rate set forth in item (ii) (when that rate has been changed, the changed rate; hereinafter referred to as the “rate of management by bank deposits or savings” in this Article and Article 59, paragraph (1)) by the method of management by bank deposits or savings prescribed in item (i):
一 第三種資金移動業に係る各営業日における未達債務の額の全部又は一部に相当する額の金銭を、銀行等に対する預貯金(この項の規定により管理しなければならないものとされている金銭であることがその預貯金口座の名義により明らかなものに限る)により管理する方法その他の内閣府令で定める方法(以下この条及び第五十三条第二項第二号において「預貯金等管理方法」という)により管理することを開始する日
(i) the day of commencing the management of money in an amount equivalent to all or part of the amount of outstanding obligations in the process of being transferred pertaining to Type III Funds Transfer Services as of each business day by the method of bank deposits or savings (limited to bank deposits or savings the name of whose holder clearly shows that it is money that must be managed under the provisions of this paragraph) or by another method specified by Cabinet Office Order (hereinafter referred to as the “method of management by bank deposits or savings” in this Article and Article 53, paragraph (2), item (ii));
二 第三種資金移動業に係る未達債務の額のうち預貯金等管理方法により管理する額の当該未達債務の額に対する割合
(ii) the rate of the amount of outstanding obligations in the process of being transferred pertaining to Type III Funds Transfer Services that is to be managed by the method of management by bank deposits or savings against the total amount thereof; and
三 その他内閣府令で定める事項
(iii) other particulars specified by Cabinet Office Order.
2 前項の規定の適用を受けている資金移動業者は、預貯金等管理方法による管理の状況について、内閣府令で定めるところにより、定期に、公認会計士(公認会計士法(昭和二十三年法律第百三号)第十六条の二第五項に規定する外国公認会計士を含む。第五十三条第三項第二号において同じ)又は監査法人の監査を受けなければならない。
(2) A Funds Transfer Service Provider to whom the provisions of the preceding paragraph are applied must periodically undergo an audit by a certified public accountant (including foreign certified public accountant prescribed in Article 16-2, paragraph (5) of the Certified Public Accountants Act (Act No. 103 of 1948); the same applies in Article 53, paragraph (3), item (ii)) or by an audit corporation, with regard to the state of management by the method of management by bank deposits or savings, pursuant to the provisions of Cabinet Office Order.
3 第一項の規定の適用を受けている資金移動業者は、預貯金等管理割合その他内閣府令で定める事項の変更をしようとするときは、内閣府令で定めるところにより、あらかじめ、当該変更を行う日その他内閣府令で定める事項を記載した届出書を内閣総理大臣に提出しなければならない。
(3) When a Funds Transfer Service Provider to whom the provisions of paragraph (1) are applied intends to change the rate of management by bank deposits or savings or other particulars specified by Cabinet Office Order, the Funds Transfer Service Provider must submit a written notice containing the day on which to make that change and other particulars specified by Cabinet Office Order to the Prime Minister in advance, pursuant to the provisions of Cabinet Office Order.
4 預貯金等管理割合を引き下げる変更は、前項の届出書に記載された当該変更を行う日における第三種資金移動業に係る履行保証金の額、保全金額及び前条第一項に規定する信託財産の額の合計額が、当該日の直前の基準日における第三種資金移動業に係る要供託額(第一項の規定の適用を受けている資金移動業者が当該変更をする場合にその営む第三種資金移動業について第四十三条第一項の規定により供託しなければならないこととなる履行保証金の額をいう)以上である場合に限り、行うことができる。
(4) A change to reduce the rate of management by bank deposits or savings may be made only in the case where the total of the amount of security deposits for providing Funds Transfer Services, the secured amount and the amount of trust property prescribed in paragraph (1) of the preceding Article pertaining to Type III Funds Transfer Services as of the day on which to make the change stated in a written notice referred to in the preceding paragraph exceeds the Required Amount of Deposit pertaining to Type III Funds Transfer Services (meaning the amount of security deposits for providing Type III Funds Transfer Services that a Funds Transfer Service Provider to whom the provisions of paragraph (1) are applied must deposit for Type III Funds Transfer Services it engages in, when making that change, under the provisions of Article 43, paragraph (1)) as of the Base Date immediately preceding that day.
5 第一項の規定の適用を受けている資金移動業者は、内閣府令で定めるところにより、同項の規定の適用を受けることをやめる日(以下この項において「預貯金等管理終了日」という)その他内閣府令で定める事項を記載した届出書を内閣総理大臣に提出して、第一項の規定の適用を受けることをやめることができる。ただし、預貯金等管理終了日における第三種資金移動業に係る履行保証金の額、保全金額及び前条第一項に規定する信託財産の額の合計額が、当該預貯金等管理終了日の直前の基準日における第三種資金移動業に係る要供託額(当該資金移動業者が第一項の規定の適用を受けることをやめる場合にその営む第三種資金移動業について第四十三条第一項の規定により供託しなければならないこととなる履行保証金の額をいう)を下回るときは、この限りでない。
(5) A Funds Transfer Service Provider to whom the provisions of the preceding paragraph are applied may cease to be subject to the application of the provisions of that paragraph by submitting a written notice containing the day on which to cease to be subject to the application of the provisions of that paragraph (hereinafter referred to as the “day on which to discontinue the management by bank deposits or savings” in this paragraph) and other particulars specified by Cabinet Office Order to the Prime Minister, pursuant to the provisions of Cabinet Office Order; provided, however, that this does not apply when the total of the amount of security deposits for providing Funds Transfer Services, the secured amount and the amount of trust property prescribed in paragraph (1) of the preceding Article pertaining to Type III Funds Transfer Services as of the day on which to discontinue the management by bank deposits or savings is less than the Required Amount of Deposit pertaining to Type III Funds Transfer Services (meaning the amount of security deposits for providing Type III Funds Transfer Services that the Funds Transfer Service Provider must deposit for Type III Funds Transfer Services it engages in, when ceasing to be subject to the application of the provisions of paragraph (1), under the provisions of Article 43, paragraph (1)) as of a Base Date immediately preceding that day on which to discontinue the management by bank deposits or savings.

(供託命令)(Deposit Order)
第四十六条 内閣総理大臣は、資金移動業の利用者の利益の保護のために必要があると認めるときは、履行保証金保全契約若しくは履行保証金信託契約を締結した資金移動業者又はこれらの契約の相手方に対し、保全金額又は信託財産を換価した額の全部又は一部を供託すべき旨を命ずることができる。
Article 46 When the Prime Minister finds it necessary for the protection of the interests of users of Funds Transfer Services, the Prime Minister may order a Funds Transfer Service Provider who has concluded a guarantee contract of security deposits for providing Funds Transfer Services or trust agreement of security deposits for providing Funds Transfer Services or the counterparty thereto to deposit all or part of the secured amount or the amount of proceeds from realizing the trust property.

(履行保証金の取戻し)(Recovery of Security Deposits for Providing Funds Transfer Services)
第四十七条 一の種別の資金移動業に係る履行保証金は、次の各号のいずれかに該当する場合には、政令で定めるところにより、その全部又は一部を取り戻すことができる。
Article 47 All or part of the security deposits for providing a single category of Funds Transfer Services may be recovered, pursuant to the provisions of Cabinet Order, if any of the conditions specified in the following items is satisfied:
一 直前の基準日(第一種資金移動業にあっては、各営業日)における要供託額(資金移動業者が第四十三条第一項の規定により供託しなければならない履行保証金の額をいう)が、当該基準日における履行保証金の額、保全金額及び第四十五条第一項に規定する信託財産の額の合計額を下回るとき。
(i) when the Required Amount of Deposit (meaning the amount of security deposits for providing Funds Transfer Services that a Funds Transfer Service Provider must deposit, under the provisions of Article 43, paragraph (1)) as of the immediately preceding Base Date (for Type I Funds Transfer Services, as of each business day) is less than the total of the amount of security deposits for providing Funds Transfer Services, the secured amount, and the amount of trust property prescribed in Article 45, paragraph (1) as of that Base Date;
二 第五十九条第一項の権利の実行の手続が終了したとき。
(ii) when the procedure for the fulfillment of the right prescribed in Article 59, paragraph (1) has been completed; and
三 為替取引に関し負担する債務の履行を完了した場合として政令で定める場合
(iii) in cases where, as specified by Cabinet Order, the performance of obligations borne in relation to exchange transactions has been completed.

(履行保証金の保管替えその他の手続)(Change in Custody of Security Deposits for Providing Funds Transfer Services and Other Procedures)
第四十八条 この節に規定するもののほか、資金移動業者の本店の所在地の変更に伴う履行保証金の保管替えその他履行保証金の供託に関し必要な事項は、内閣府令・法務省令で定める。
Article 48 Beyond what is provided for in this Section, a change in the custody of security deposits for providing Funds Transfer Services due to a change in the head office of a Funds Transfer Service Provider and other particulars necessary for the making of security deposits for providing Funds Transfer Services are prescribed by Cabinet Office Order and Ministry of Justice Order.

(情報の安全管理)(Information Security Management)
第四十九条 資金移動業者は、内閣府令で定めるところにより、資金移動業に係る情報の漏えい、滅失又はき損の防止その他の当該情報の安全管理のために必要な措置を講じなければならない。
Article 49 A Funds Transfer Service Provider must, pursuant to the provisions of Cabinet Office Order, take necessary measures for preventing leakage, loss, or damage of information pertaining to the Funds Transfer Services and otherwise ensuring safe control of the handling of that information.

(委託先に対する指導)(Management of Entrusted Parties)
第五十条 資金移動業者は、資金移動業の一部を第三者に委託(二以上の段階にわたる委託を含む)をした場合には、内閣府令で定めるところにより、当該委託に係る業務の委託先に対する指導その他の当該業務の適正かつ確実な遂行を確保するために必要な措置を講じなければならない。
Article 50 In cases where a Funds Transfer Service Provider entrusts (including the case under multi-tier entrustment arrangements) part of the Funds Transfer Services to a third party, the Funds Transfer Service Provider must, pursuant to the provisions of Cabinet Office Order, provide guidance to the third party to whom the relevant business has been entrusted and take other measures necessary for ensuring the proper and secure conduct of that business.

(利用者の保護等に関する措置)(Measures for Customer Protection)
第五十一条 資金移動業者は、内閣府令で定めるところにより、銀行等が行う為替取引との誤認を防止するための説明、手数料その他の資金移動業に係る契約の内容についての情報の提供、利用者から受け入れた資金のうち為替取引に用いられることがないと認められるものを保有しないための措置その他の資金移動業の利用者の保護を図り、及び資金移動業の適正かつ確実な遂行を確保するために必要な措置を講じなければならない。
Article 51 A Funds Transfer Service Provider must, pursuant to the provisions of Cabinet Office Order, provide explanation to prevent users from mistaking its business for exchange transactions carried out by a Deposit-Taking Institution, and provide information about fees and other terms and conditions of contracts related to the Funds Transfer Services and take measures not to hold part of funds received from users that is found unlikely to be used for exchange transactions or other measures necessary for protecting the users of Funds Transfer Services and ensuring the proper and secure conduct of Funds Transfer Services.

(第一種資金移動業に関し負担する債務の制限)(Restrictions on Obligations to be Borne in Relation to Type I Funds Transfer Services)
第五十一条の二 資金移動業者(第一種資金移動業を営む者に限る。次項において同じ)は、第一種資金移動業の各利用者に対し、移動する資金の額、資金を移動する日その他の内閣府令で定める事項が明らかでない為替取引(第一種資金移動業に係るものに限る。同項において同じ)に関する債務を負担してはならない。
Article 51-2 (1) A Funds Transfer Service Provider (limited to a person engaging in Type I Funds Transfer Services; the same applies in the following paragraph) must not bear obligations in relation to exchange transactions (limited to exchange transactions pertaining to Type I Funds Transfer Services; the same applies in the following paragraph) for which the amount of funds to be transferred, the day on which to transfer funds, and other particulars specified by Cabinet Office Order are not clear to users of Type I Funds Transfer Services.
2 資金移動業者は、資金の移動に関する事務を処理するために必要な期間その他の内閣府令で定める期間を超えて為替取引に関する債務を負担してはならない。
(2) A Funds Transfer Service Provider must not bear obligations in relation to exchange transactions beyond the period necessary for handling processes for the transfer of funds or another period specified by Cabinet Office Order.

(第三種資金移動業に関し負担する債務の額の制限)(Restrictions on the Amount of Obligations to be Borne in Relation to Type III Funds Transfer Services)
第五十一条の三 資金移動業者(第三種資金移動業を営む者に限る)は、第三種資金移動業の各利用者に対し、政令で定める額を超える額の債務(第三種資金移動業に係る為替取引に関し負担する債務に限る)を負担してはならない。
Article 51-3 A Funds Transfer Service Provider (limited to a person engaging in Type III Funds Transfer Services) must not bear obligations (limited to obligations borne in relation to exchange transactions pertaining to Type III Funds Transfer Services) in an amount exceeding the amount specified by Cabinet Order to users of Type III Funds Transfer Services.

(指定資金移動業務紛争解決機関との契約締結義務等)(Obligation to Conclude Contract with Designated Dispute Resolution Organizations for Funds Transfer Business)
第五十一条の四 資金移動業者は、次の各号に掲げる場合の区分に応じ、当該各号に定める措置を講じなければならない。
Article 51-4 (1) A Funds Transfer Service Provider must take the measures specified in the following items for the categories of cases respectively prescribed therein:
一 指定資金移動業務紛争解決機関(指定紛争解決機関であってその紛争解決等業務の種別が資金移動業務であるものをいう。以下この条において同じ)が存在する場合 一の指定資金移動業務紛争解決機関との間で資金移動業に係る手続実施基本契約(第九十九条第一項第八号に規定する手続実施基本契約をいう。次項において同じ)を締結する措置
(i) in cases where one or more Designated Dispute Resolution Organizations for Funds Transfer Business (meaning Designated Dispute Resolution Organizations for which the Category of Dispute Resolution Services is funds transfer business; hereinafter the same applies in this Article) exist: Measures to conclude with a Designated Dispute Resolution Organization for Funds Transfer Business a basic contract for execution of procedures (meaning a basic contract for execution of procedures prescribed in Article 99, paragraph (1), item (viii); the same applies in the following paragraph) pertaining to the Funds Transfer Service; or
二 指定資金移動業務紛争解決機関が存在しない場合 資金移動業に関する苦情処理措置及び紛争解決措置
(ii) in cases where no Designated Dispute Resolution Organization for Funds Transfer Business exists: Complaint Processing Measures and Dispute Resolution Measures pertaining to the Funds Transfer Service.
2 資金移動業者は、前項の規定により手続実施基本契約を締結する措置を講じた場合には、当該手続実施基本契約の相手方である指定資金移動業務紛争解決機関の商号又は名称を公表しなければならない。
(2) In cases where a Funds Transfer Service Provider took measures to conclude a basic contract for execution of procedures pursuant to the provisions of the preceding paragraph, the Funds Transfer Service Provider must publicly announce the trade name or other name of the Designated Dispute Resolution Organization for Funds Transfer Business that is the counterparty to that basic contract for execution of procedures.
3 第一項の規定は、次の各号に掲げる場合の区分に応じ、当該各号に定める期間においては、適用しない。
(3) The provisions of paragraph (1) do not apply during the period specified in the following items for the categories of cases respectively prescribed therein:
一 第一項第一号に掲げる場合に該当していた場合において、同項第二号に掲げる場合に該当することとなったとき 第百一条第一項において読み替えて準用する銀行法第五十二条の八十三第一項の規定による紛争解決等業務の廃止の認可又は第百条第一項の規定による指定の取消しの時に、同号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(i) in cases where a Funds Transfer Service Provider who initially fell under paragraph (1), item (i) has come to fall under paragraph (1), item (ii): A period specified by the Prime Minister as that necessary for taking measures specified in paragraph (1), item (ii) when authorization is granted for the abolition of the Dispute Resolution Services under Article 52-83, paragraph (1) of the Banking Act as applied mutatis mutandis pursuant to Article 101, paragraph (1) following the deemed replacement of terms or designation is revoked pursuant to the provisions of Article 100, paragraph (1);
二 第一項第一号に掲げる場合に該当していた場合において、同号の一の指定資金移動業務紛争解決機関の紛争解決等業務の廃止が第百一条第一項において読み替えて準用する銀行法第五十二条の八十三第一項の規定により認可されたとき、又は同号の一の指定資金移動業務紛争解決機関の第九十九条第一項の規定による指定が第百条第一項の規定により取り消されたとき(前号に掲げる場合を除く) その認可又は取消しの時に、第一項第一号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(ii) in cases where a Funds Transfer Service Provider falls under paragraph (1), item (i), when authorization is granted for the abolition of the Dispute Resolution Services by the Designated Dispute Resolution Organization for Funds Transfer Business mentioned in that item under Article 52-83, paragraph (1) of the Banking Act as applied mutatis mutandis pursuant to Article 101, paragraph (1) following the deemed replacement of terms or the designation granted to the Designated Dispute Resolution Organization for Funds Transfer Business under Article 99, paragraph (1) is revoked pursuant to the provisions of Article 100, paragraph (1) (excluding the case specified in the preceding item): A period specified by the Prime Minister as the period necessary for taking measures specified in paragraph (1), item (i) at the time of the authorization or revocation; or
三 第一項第二号に掲げる場合に該当していた場合において、同項第一号に掲げる場合に該当することとなったとき 第九十九条第一項の規定による指定の時に、同号に定める措置を講ずるために必要な期間として内閣総理大臣が定める期間
(iii) in cases where a Funds Transfer Service Provider who initially fell under paragraph (1), item (ii) has come to fall under paragraph (1), item (i): A period specified by the Prime Minister as the period necessary for taking measures specified in paragraph (1), item (i) when designation is granted under Article 99, paragraph (1).
4 第一項第二号の「苦情処理措置」とは、利用者からの苦情の処理の業務に従事する使用人その他の従業者に対する助言若しくは指導を消費生活に関する消費者と事業者との間に生じた苦情に係る相談その他の消費生活に関する事項について専門的な知識経験を有する者として内閣府令で定める者に行わせること又はこれに準ずるものとして内閣府令で定める措置をいう。
(4) The term “Complaint Processing Measures” as used in paragraph (1), item (ii) means to cause a person specified by Cabinet Office Order as one who has expert knowledge and experience with regard to consultation regarding complaints on consumer affairs arising between the consumer and the service provider or in other areas of consumer affairs, to provide advice or guidance to employees or other workers who engage in the business of processing complaints from the users or any other measures specified by Cabinet Office Order as similar thereto.
5 第一項第二号の「紛争解決措置」とは、利用者との紛争の解決を認証紛争解決手続(裁判外紛争解決手続の利用の促進に関する法律(平成十六年法律第百五十一号)第二条第三号に規定する認証紛争解決手続をいう)により図ること又はこれに準ずるものとして内閣府令で定める措置をいう。
(5) The term “Dispute Resolution Measures” as used in paragraph (1), item (ii) means to seek resolution of a dispute with the user through the Certified Dispute Resolution Procedures (meaning the Certified Dispute Resolution Procedures prescribed in Article 2, item (iii) of the Act on Promotion of Use of Alternative Dispute Resolution (Act No. 151 of 2004)) or any other measures specified by Cabinet Office Order as similar thereto.

第三節 監督 Section 3 Supervision

(帳簿書類)(Books and Documents)
第五十二条 資金移動業者は、内閣府令で定めるところにより、その資金移動業に関する帳簿書類を作成し、これを保存しなければならない。
Article 52 A Funds Transfer Service Provider must, pursuant to the provisions of Cabinet Office Order, prepare and maintain the books and documents on its Funds Transfer Service.

(報告書)
(Written Reports)
第五十三条 資金移動業者は、事業年度ごとに、内閣府令で定めるところにより、資金移動業に関する報告書を作成し、内閣総理大臣に提出しなければならない。
Article 53 (1) A Funds Transfer Service Provider must, pursuant to the provisions of Cabinet Office Order, prepare a written report on its Funds Transfer Services for each business year and submit it to the Prime Minister.
2 資金移動業者は、前項の報告書のほか、六月を超えない範囲内で内閣府令で定める期間(第二号において単に「期間」という)ごとに、内閣府令で定めるところにより、次の各号に掲げる資金移動業者の区分に応じ、当該各号に定める報告書を作成し、内閣総理大臣に提出しなければならない。
(2) In addition to the written reports prescribed in the preceding paragraph, a Funds Transfer Service Provider must prepare a written report specified in the following items in accordance with the category of Funds Transfer Service Providers respectively set forth therein for each period specified by Cabinet Office Order not exceeding six months (simply referred to as the “period” in item (ii)), and submit it to the Prime Minister, pursuant to the provisions of Cabinet Office Order:
一 次号に掲げる者以外の資金移動業者 未達債務の額及び履行保証金の供託、履行保証金保全契約又は履行保証金信託契約に関する報告書
(i) Funds Transfer Service Providers other than those set forth in the following item: a written report on the amount of outstanding obligations in the process of being transferred, and the status of security deposits for providing Funds Transfer Services, guarantee contracts of security deposits for providing Funds Transfer Services, or trust agreements of security deposits for providing Funds Transfer Services; or
二 直前の期間において第四十五条の二第一項の規定の適用を受けていた資金移動業者 前号に定める報告書及び第三種資金移動業に係る預貯金等管理方法による管理の状況に関する報告書
(ii) Funds Transfer Service Providers to whom the provisions of Article 45-2, paragraph (1) were applied in the immediately preceding period: the written report specified in the preceding item and a written report on the status of management by the method of management by bank deposits or savings pertaining to Type III Funds Transfer Services.
3 前二項の報告書には、次の各号に掲げる資金移動業者の区分に応じ、当該各号に定める書類を添付しなければならない。
(3) Documents specified in the following items in accordance with the category of Funds Transfer Service Providers respectively set forth therein must be attached to the written report under the preceding two paragraphs:
一 前項第一号に掲げる者 財務に関する書類その他の内閣府令で定める書類
(i) a person set forth in item (i) of the preceding paragraph: documents concerning finance and other documents specified by Cabinet Office Order; or
二 前項第二号に掲げる者 財務に関する書類、当該書類についての公認会計士又は監査法人の監査報告書その他の内閣府令で定める書類
(ii) a person set forth in item (ii) of the preceding paragraph: documents concerning finance, an audit report prepared by a certified public accountant or audit corporation regarding these documents, and other documents specified by Cabinet Office Order.

(立入検査等)(On-Site Inspections)
第五十四条 内閣総理大臣は、資金移動業の適正かつ確実な遂行のために必要があると認めるときは、資金移動業者に対し当該資金移動業者の業務若しくは財産に関し参考となるべき報告若しくは資料の提出を命じ、又は当該職員に当該資金移動業者の営業所その他の施設に立ち入らせ、その業務若しくは財産の状況に関して質問させ、若しくは帳簿書類その他の物件を検査させることができる。
Article 54 (1) When the Prime Minister finds it necessary for the proper and secure conduct of Funds Transfer Services, the Prime Minister may order a Funds Transfer Service Provider to submit reports or materials that will be helpful for understanding its business or property, or have officials enter the business office or other establishment of that Funds Transfer Service Provider, inquire about the status of its business or property or inspect its books and documents or other items.
2 内閣総理大臣は、資金移動業の適正かつ確実な遂行のため特に必要があると認めるときは、その必要の限度において、当該資金移動業者から業務の委託を受けた者(その者から委託(二以上の段階にわたる委託を含む。)を受けた者を含む。以下この条及び第六十条において同じ。)に対し当該資金移動業者の業務若しくは財産の状況に関し参考となるべき報告若しくは資料の提出を命じ、又は当該職員に当該資金移動業者から業務の委託を受けた者の施設に立ち入らせ、当該資金移動業者の業務若しくは財産の状況に関して質問させ、若しくは帳簿書類その他の物件を検査させることができる。
(2) When the Prime Minister finds it particularly necessary for the proper and secure conduct of Funds Transfer Services, the Prime Minister may order a person to whom business has been entrusted by that Funds Transfer Service Provider (including persons entrusted from that person (including those under multi-tier entrustment arrangements); hereinafter the same applies in this Article and Article 60) to submit reports or materials that will be helpful for understanding the business or property of the Funds Transfer Service Provider, or have officials enter the business office, office or other establishment of the person to whom business has been entrusted by the Funds Transfer Service Provider, inquire about the status of its business or property of the Funds Transfer Service Provider or inspect its books and documents or other items, to the extent the order is necessary.
3 前項の資金移動業者から業務の委託を受けた者は、正当な理由があるときは、同項の規定による報告若しくは資料の提出又は質問若しくは検査を拒むことができる。
(3) A person to whom business has been entrusted by a Funds Transfer Service Provider as referred to in the preceding paragraph may, if there are reasonable grounds for doing so, refuse the submission of reports or materials, or the inquiry or inspection under that paragraph.

(業務改善命令)(Order to Improve Business Operations)
第五十五条 内閣総理大臣は、資金移動業の適正かつ確実な遂行のために必要があると認めるときは、その必要の限度において、資金移動業者に対し、業務の運営又は財産の状況の改善に必要な措置その他監督上必要な措置をとるべきことを命ずることができる。
Article 55 When the Prime Minister finds it necessary for the proper and secure conduct of Funds Transfer Services, the Prime Minister may order a Funds Transfer Service Provider to take necessary measures to improve the operation of its business or its financial status or other measures necessary for the purpose of supervision, to the extent that the order is necessary.

(登録の取消し等)
(Revocation of Registration)
第五十六条 内閣総理大臣は、資金移動業者が次の各号のいずれかに該当するときは、第三十七条の登録を取り消し、又は六月以内の期間を定めて資金移動業の全部若しくは一部の停止を命ずることができる。
Article 56 (1) When a Funds Transfer Service Provider falls under any of the following items, the Prime Minister may revoke its registration under Article 37 or order the Funds Transfer Service Provider to suspend all or part of its Funds Transfer Service, specifying a period of suspension not exceeding six months:
一 第四十条第一項各号に該当することとなったとき。
(i) when the Funds Transfer Service Provider comes to fall under any of the items of Article 40, paragraph (1);
二 不正の手段により第三十七条の登録又は第四十一条第一項の変更登録を受けたとき。
(ii) when the Funds Transfer Service Provider has obtained the registration under Article 37 or registration of change under Article 41, paragraph (1) through wrongful means;
三 第四十条の二第一項の認可を受けた業務実施計画によらないで第一種資金移動業を営んだとき。
(iii) when the Funds Transfer Service Provider has engaged in Type I Funds Transfer Services not in accordance with the business implementation plan authorized under Article 40-2, paragraph (1); or
四 この法律若しくはこの法律に基づく命令、これらに基づく処分又は認可に付した条件に違反したとき。
(iv) when the Funds Transfer Service Provider has violated this Act, an order issued pursuant to this Act, or a disposition or conditions attached to the authorization given pursuant to these.
2 内閣総理大臣は、資金移動業者の営業所の所在地を確知できないとき、又は資金移動業者を代表する取締役若しくは執行役(外国資金移動業者である資金移動業者にあっては、国内における代表者)の所在を確知できないときは、内閣府令で定めるところにより、その事実を公告し、その公告の日から三十日を経過しても当該資金移動業者から申出がないときは、当該資金移動業者の第三十七条の登録を取り消すことができる。
(2) When the locations of business offices of a Funds Transfer Service Provider are not ascertained or the whereabouts of the director or executive officer representing the Funds Transfer Service Provider (in cases of a Funds Transfer Service Provider that is a Foreign Funds Transfer Service Provider, the representative person in Japan) is not ascertained, the Prime Minister gives public notice to that effect pursuant to the provisions of Cabinet Office Order and may revoke the registration of that Funds Transfer Service Provider under Article 37 if it does not report within thirty days from the date of the public notice.
3 前項の規定による処分については、行政手続法第三章の規定は、適用しない。
(3) The provisions of Chapter III of the Administrative Procedure Act do not apply to the disposition under the preceding paragraph.

(登録の抹消)(Deletion of Registration)
第五十七条 内閣総理大臣は、前条第一項若しくは第二項の規定により第三十七条の登録を取り消したとき、又は第六十一条第二項の規定により第三十七条の登録がその効力を失ったときは、当該登録を抹消しなければならない。
Article 57 When the Prime Minister has revoked the registration under Article 37 pursuant to provisions of paragraph (1) or (2) of the preceding Article or when the registration under Article 37 has ceased to be effective pursuant to the provisions of Article 61, paragraph (2), the Prime Minister must delete that registration.

(監督処分の公告)(Public Notice of Supervisory Dispositions)
第五十八条 内閣総理大臣は、第五十六条第一項又は第二項の規定による処分をしたときは、内閣府令で定めるところにより、その旨を公告しなければならない。
Article 58 When the Prime Minister renders a disposition pursuant to the provisions of Article 56, paragraph (1) or (2), the Prime Minister must give public notice to that effect pursuant to the provisions of Cabinet Office Order.

(履行保証金の供託等に係る特例)(Special Provisions for Security Deposits for Providing Funds Transfer Services)
第五十八条の二 二以上の種別の資金移動業を営む資金移動業者であって、その営む資金移動業の種別の全部又は一部について第四十三条第一項の規定による履行保証金の供託に係る当該資金移動業の種別ごとの算定期間、基準日等及び供託期限が同一である者は、内閣府令で定めるところにより、次に掲げる事項を記載した届出書を内閣総理大臣に提出したときは、第一号に掲げる日(次項において「特例適用開始日」という。)以後、第二号に掲げる資金移動業の種別(以下この項及び次項において「特例対象資金移動業」という。)について一括供託をすることができる。この場合における特例対象資金移動業についての同条第一項及び第二項、第四十四条、第四十五条第一項及び第二項第一号、第四十七条並びに次条第一項の規定の適用については、第四十三条第一項中「資金移動業の種別ごとに履行保証金」とあるのは「履行保証金」と、「ならない」とあるのは「ならない。ただし、当該資金移動業者が営む資金移動業に係る要履行保証額の総額が、小規模な資金移動業者がその行う為替取引に関し負担する債務の履行を確保するために必要な額として政令で定める額以下である場合には、当該政令で定める額以上の額に相当する額の履行保証金を、その本店の最寄りの供託所に供託しなければならない」と、同条第二項中「をいう。ただし、当該合計額が小規模な資金移動業者がその行う為替取引に関し負担する債務の履行を確保するために必要な額として政令で定める額以下である場合には、当該政令で定める額とする」とあるのは「をいう」と、第四十四条中「その営む資金移動業の種別ごとに履行保証金保全契約」とあるのは「履行保証金保全契約」と、「当該種別の資金移動業に係る履行保証金」とあるのは「履行保証金」と、第四十五条第一項中「その営む資金移動業の種別ごとに履行保証金信託契約」とあるのは「履行保証金信託契約」と、「当該種別の資金移動業に係る履行保証金」とあるのは「履行保証金」と、同号中「為替取引(当該履行保証金信託契約に係る種別の資金移動業に係るものに限る)」とあるのは「為替取引」と、第四十七条中「一の種別の資金移動業に係る履行保証金」とあるのは「履行保証金」と、同条第一号中「第四十三条第一項」とあるのは「第四十三条第一項本文」と、次条第一項中「営む一の種別の資金移動業に係る」とあるのは「行う」と、「当該種別の資金移動業に係る履行保証金」とあるのは「履行保証金」とするほか、必要な技術的読替えは政令で定める。
Article 58-2 (1) In the case where a Funds Transfer Service Provider engages in two or more categories of Funds Transfer Services and the calculation period, the Base Date, etc. and the time limit for deposit by category of Funds Transfer Services it engages in, for which security deposits are to be made under the provisions of Article 43, paragraph (1), are the same for all or part of each category of Funds Transfer Services it engages in, and when the Funds Transfer Service Provider has submitted a written notice containing the following particulars to the Prime Minister, pursuant to the provisions of Cabinet Office Order, the Funds Transfer Service Provider may make a lump sum deposit by category of Funds Transfer Services set forth in item (ii) (hereinafter referred to as “Funds Transfer Services subject to special provisions” in this paragraph and the following paragraph) on or after the day set forth in item (i) (referred to as the “day on which to commence the application of special provisions” in the following paragraph). With regard to the application of the provisions of Article 43, paragraphs (1) and (2), Article 44, Article 45, paragraph (1) and paragraph (2), item (i), Article 47 and paragraph (1) of the following Article to Funds Transfer Services subject to special provisions in this case, the phrase “for each category of Funds Transfer Services set forth in the following items respectively as specified therein in accordance with the category of Funds Transfer Services” in Article 43, paragraph (1) is deemed to be replaced with “as specified in the following items in accordance with the category of Funds Transfer Services respectively specified therein” and at the end of the provisions of that paragraph, the phrase “; provided, however, that in the case where the total amount of Required Amount as Security for Providing Funds Transfer Services pertaining to the Funds Transfer Services that the Funds Transfer Service Provider engages in is not more than the amount specified by Cabinet Order as being necessary for ensuring performance of obligations borne by a small-scale Funds Transfer Service Provider in relation to exchange transactions carried out by the small-scale Funds Transfer Service Provider, the Funds Transfer Service Provider must make security deposits for providing Funds Transfer Services in an amount equivalent to the amount not less than the amount specified by the relevant Cabinet Order” is deemed to be added; in paragraph (2) of that Article, the proviso is deemed to be deleted; in Article 44, the phrases “for each category of Funds Transfer Services that it engages in” and “for the relevant category of Funds Transfer Services” are deemed to be deleted; in Article 45, paragraph (1), the phrases “for each category of Funds Transfer Services that it engages in” and “for the relevant category of Funds Transfer Services” are deemed to be deleted, and in Article 45, paragraph (2), item (i), the phrase “(limited to exchange transactions for the category of Funds Transfer Services pertaining to the trust agreement of security deposits for providing Funds Transfer Services)” is deemed to be deleted; in Article 47, the phrase “a single category of” is deemed to be deleted, and in item (i) of that Article, the phrase “Article 43, paragraph (1)” is deemed to be replaced with “the main clause of Article 43, paragraph (1)”; in paragraph (1) of the following Article, the phrase “for a single category of Funds Transfer Services engaged in” is deemed to be replaced with “carried out” and the phrase “that category of” is deemed to be deleted; and any other necessary technical replacement of terms is specified by Cabinet Order:
一 一括供託を開始する日
(i) the day to commence a lump sum deposit;
二 一括供託をする二以上の資金移動業の種別(算定期間、基準日等及び供託期限が同一であるものに限る。)
(ii) two or more categories of Funds Transfer Services for which a lump sum deposit is to be made (limited to categories for which the calculation period, the Base Date, etc. and the time limit for deposit are the same); and
三 その他内閣府令で定める事項
(iii) other particulars specified by Cabinet Office Order.
2 前項の届出書を提出した資金移動業者が特例適用開始日において第四十三条第一項の規定によりその営む特例対象資金移動業ごとに供託していた履行保証金については、当該資金移動業者が前項の規定により読み替えて適用する第四十三条第一項の規定により供託した履行保証金とみなす。
(2) Security deposits for providing Funds Transfer Services that a Funds Transfer Service Provider that submitted a written notice under the preceding paragraph has made for each of the Funds Transfer Services subject to special provisions under the provisions of Article 43, paragraph (1) as of the day on which to commence the application of special provisions are deemed to be security deposits for providing Funds Transfer Services that the Funds Transfer Service Provider has made under the provisions of Article 43, paragraph (1) as applied following the deemed replacement of terms pursuant to the provisions of the preceding paragraph.
3 第一項の届出書を提出した資金移動業者が、内閣府令で定めるところにより、一括供託をやめる資金移動業の種別(以下この項及び次項において「特例適用終了資金移動業」という。)、特例適用終了資金移動業について一括供託をやめる日(以下この項及び次項において「特例適用終了日」という。)その他内閣府令で定める事項を記載した届出書を内閣総理大臣に提出したときは、特例適用終了日以後、当該特例適用終了資金移動業については、第一項の規定は、適用しない。
(3) When a Funds Transfer Service Provider that submitted a written notice under paragraph (1) has submitted a written notice containing the category of Funds Transfer Services for which it discontinues a lump sum deposit (hereinafter referred to as the “Funds Transfer Services for which the application of special provisions is terminated” in this paragraph and the following paragraph), the day on which it discontinues a lump sum deposit for the Funds Transfer Services for which the application of special provisions is terminated (hereinafter referred to as the “day on which to terminate the application of special provisions” in this paragraph and the following paragraph), and other particulars specified by Cabinet Office Order to the Prime Minister, pursuant to the provisions of Cabinet Office Order, the provisions of paragraph (1) do not apply to the Funds Transfer Services for which the application of special provisions is terminated on or after the day on which to terminate the application of special provisions.
4 前項の届出書を提出した資金移動業者が特例適用終了日において第一項の規定により読み替えて適用する第四十三条第一項の規定により供託していた履行保証金(第二項の規定により、第一項の規定により読み替えて適用する第四十三条第一項の規定により供託したとみなされた履行保証金を含む。)については、特例適用終了日の直前の基準日等における特例適用終了資金移動業ごとの要供託額(当該資金移動業者が特例適用終了資金移動業について一括供託をやめる場合に当該特例適用終了資金移動業ごとに第四十三条第一項の規定により供託しなければならないこととなる履行保証金の額をいう。)に応じて、内閣府令で定めるところにより、その営む特例適用終了資金移動業ごとに供託した履行保証金とみなす。
(4) Security deposits for providing Funds Transfer Services that a Funds Transfer Service Provider that submitted a written notice under the preceding paragraph has made under the provisions of Article 43, paragraph (1) as applied following the deemed replacement of terms pursuant to the provisions of paragraph (1) as of the day on which to terminate the application of special provisions (including security deposits for providing Funds Transfer Services that are deemed to have been made under the provisions of Article 43, paragraph (1) as applied following the deemed replacement of terms pursuant to the provisions of paragraph (1), pursuant to the provisions of paragraph (2)) are deemed to be security deposits for providing Funds Transfer Services that the Funds Transfer Service Provider has made for each of the Funds Transfer Services for which the application of special provisions is terminated, pursuant to the provisions of Cabinet Office Order, in accordance with the Required Amount of Deposit for each of the Funds Transfer Services for which the application of special provisions is terminated (meaning the amount of security deposits that the Funds Transfer Service Provider, when intending to discontinue a lump sum deposit for Funds Transfer Services for which the application of special provisions is terminated, must deposit for each of those Funds Transfer Services for which the application of special provisions is terminated under the provisions of Article 43, paragraph (1)) as of the Base Date, etc. immediately preceding the day on which to terminate the application of special provisions.
5 この条において、次の各号に掲げる用語の意義は、それぞれ当該各号に定めるところによる。
(5) In this Article, the terms set forth in the following items means as specified respectively therein:
一 算定期間 第一種資金移動業にあっては一営業日を、第二種資金移動業又は第三種資金移動業にあっては第四十三条第一項第二号に規定する一週間以内で資金移動業の種別ごとに資金移動業者が定める期間をいう。
(i) calculation period: for Type I Funds Transfer Services, meaning one business day, and for Type II Funds Transfer Services or Type III Funds Transfer Services, meaning a period that a Funds Transfer Service Provider specifies for each category not exceeding one week as prescribed in Article 43, paragraph (1), item (ii);
二 基準日等 第一種資金移動業にあっては各営業日を、第二種資金移動業又は第三種資金移動業にあっては第四十三条第一項第二号に規定する基準日をいう。
(ii) Base Date, etc.: for Type I Funds Transfer Services, meaning each business day, and for Type II Funds Transfer Services or Type III Funds Transfer Services, meaning the Base Date prescribed in Article 43, paragraph (1), item (ii);
三 供託期限 第一種資金移動業にあっては第四十三条第一項第一号に規定する各営業日から一週間以内で内閣府令で定める期間内において資金移動業者が定める期間の末日を、第二種資金移動業又は第三種資金移動業にあっては同項第二号に規定する基準日から一週間以内で内閣府令で定める期間内において資金移動業の種別ごとに資金移動業者が定める期間の末日をいう。
(iii) time limit for deposit: for Type I Funds Transfer Services, meaning the last day of the period that a Funds Transfer Service Provider specifies within the period specified by Cabinet Office Order not exceeding one week from each business day prescribed in Article 43, paragraph (1), item (i), and for Type II Funds Transfer Services or Type III Funds Transfer Services, meaning last day of the period that a Funds Transfer Service Provider specifies for each category of Funds Transfer Services within the period specified by Cabinet Office Order not exceeding one week from the Base Date prescribed in item (ii) of that paragraph; and
四 一括供託 同一の手続により一括して行う履行保証金の供託をいう。
(iv) a lump sum deposit: meaning to make security deposits for providing Funds Transfer Services in a lump sum through the same procedures.

第四節 雑則 Section 4 Miscellaneous Provisions

 (履行保証金の還付)(Return of Security Deposits for Providing Funds Transfer Services)
第五十九条 資金移動業者がその営む一の種別の資金移動業に係る為替取引に関し負担する債務に係る債権者は、当該種別の資金移動業に係る履行保証金について、他の債権者に先立ち弁済を受ける権利を有する。ただし、第四十五条の二第一項の規定の適用を受けている資金移動業者がその行う為替取引(第三種資金移動業に係るものに限る。)に関し負担する債務に係る債権者は、当該債務に係る債権については、当該債権の額から当該債権の額に預貯金等管理割合を乗じて得た額を控除した額を限度として、当該権利を有するものとする。
Article 59 (1) A creditor of obligations borne by a Funds Transfer Service Provider in relation to the exchange transactions for a single category of Funds Transfer Services engaged in by the Funds Transfer Service Provider has the right to receive, in preference over other creditors, payments for the return of security deposits for providing that category of Funds Transfer Services; provided, however, that creditors of obligations that a Funds Transfer Service Provider to whom the provisions of Article 45-2, paragraph (1) are applied bears in relation to the exchange transactions (limited to exchange transactions pertaining to Type III Funds Transfer Services) carried out thereby are to have that right up to the amount deducting the amount obtained by multiplying the amount of that claim by the rate of management by bank deposits or savings from the amount of that claim.
2 内閣総理大臣は、次の各号のいずれかに該当する場合において、資金移動業の利用者の利益の保護を図るために必要があると認めるときは、前項の権利を有する者に対し、六十日を下らない一定の期間内に内閣総理大臣に債権の申出をすべきこと及びその期間内に債権の申出をしないときは当該公示に係る履行保証金についての権利の実行の手続から除斥されるべきことを公示する措置その他の同項の権利の実行のために必要な措置をとらなければならない。
(2) In cases falling under any of the following items, when the Prime Minister finds it necessary for the protection of the interests of users of Funds Transfer Services, the Prime Minister must give public notice to the effect that persons holding the right provided for in the preceding paragraph must state their claims to the Prime Minister within a certain period specified to be not less than sixty days and that they are excluded from the procedure for the fulfillment of the right to the return of the security deposits for providing Funds Transfer Services pertaining to that public notice unless they state their claims within the notified period and take other measures necessary for the fulfillment of the right prescribed in that paragraph:
一 前項の権利の実行の申立てがあったとき。
(i) when a petition is filed for the fulfillment of the right prescribed in the preceding paragraph; or
二 資金移動業者について破産手続開始の申立て等が行われたとき。
(ii) when a Petition for Commencement of Bankruptcy Proceedings, etc. is filed against a Funds Transfer Service Provider.
3 内閣総理大臣は、内閣府令で定めるところにより、第一項の権利の実行に関する事務を銀行等その他の政令で定める者(次項及び第五項において「権利実行事務代行者」という)に委託することができる。
(3) The Prime Minister may, pursuant to the provisions of Cabinet Office Order, entrust the administrative work related to the fulfillment of the right prescribed in paragraph (1) to a Deposit-Taking Institution or any other person specified by Cabinet Order (referred to as “Agents for a Local Finance Office in the Distribution of Security Deposits to Holders of Prepaid Payment Instruments” in the following paragraph and in paragraph (5)).
4 権利実行事務代行者は、他の法律の規定にかかわらず、前項の規定により委託を受けた業務を行うことができる。
(4) Notwithstanding the provisions of any other Acts, an Agent for a Local Finance Office in the Distribution of Security Deposits to Holders of Prepaid Payment Instruments may engage in the business of performing the administrative work entrusted pursuant to the provisions of the preceding paragraph.
5 第三項の規定により業務の委託を受けた権利実行事務代行者又はその役員若しくは職員であって当該委託を受けた業務に従事する者は、刑法その他の罰則の適用については、法令により公務に従事する職員とみなす。
(5) With regard to the application of the Penal Code and other penal provisions, an Agent for a Local Finance Office in the Distribution of Security Deposits to Holders of Prepaid Payment Instruments to whom business has been entrusted pursuant to the provisions of paragraph (3) or its officers or employees engaging in that entrusted business are deemed to be officials engaged in public service under laws and regulations.
6 第二項から前項までに規定するもののほか、第一項の権利の実行に関し必要な事項は、政令で定める。
(6) Beyond what is provided in paragraph (2) through the preceding paragraph, particulars necessary for the fulfillment of the right prescribed in paragraph (1) are specified by Cabinet Order.
24.  (履行保証金の還付への協力)
(Cooperation for Return of Security Deposits for Providing Funds Transfer Services)
第六十条 資金移動業者から資金移動業の委託を受けた者その他の当該資金移動業者の関係者は、当該資金移動業者の為替取引に係る前条第一項の権利の実行に関し内閣総理大臣から必要な協力を求められた場合には、これに応ずるよう努めるものとする。
Article 60 In cases where a person to whom Funds Transfer Services have been entrusted by a Funds Transfer Service Provider or any other related person of that Funds Transfer Service Provider is requested by the Prime Minister to extend necessary cooperation for the fulfillment of the right prescribed in paragraph (1) of the preceding Article pertaining to exchange transactions carried out by the Funds Transfer Service Provider, that person is to endeavor to respond to the request.

(廃止の届出等)(Notification of Discontinuation of Business)
第六十一条 資金移動業者は、次の各号のいずれかに該当する場合には、遅滞なく、内閣総理大臣に届け出なければならない。
Article 61 (1) If a Funds Transfer Service Provider falls under any of the following items, it must notify the Prime Minister to that effect without delay:
一 資金移動業の全部又は一部を廃止したとき。
(i) the Funds Transfer Service Provider has discontinued all or part of the Funds Transfer Service; or
二 第五十九条第二項第二号に掲げるとき。
(ii) the Funds Transfer Service Provider falls under Article 59, paragraph (2), item (ii).
2 資金移動業者が資金移動業の全部を廃止したときは、当該資金移動業者の第三十七条の登録は、その効力を失う。
(2) If a Funds Transfer Service Provider has discontinued all of the Funds Transfer Service, the registration of that Funds Transfer Service Provider under Article 37 ceases to be effective.
3 資金移動業者は、資金移動業の全部又は一部を廃止しようとするときは、その日の三十日前までに、内閣府令で定めるところにより、その旨を公告するとともに、全ての営業所の公衆の目につきやすい場所に掲示しなければならない。
(3) A Funds Transfer Service Provider intending to discontinue all or part of the Funds Transfer Services must, pursuant to the provisions of Cabinet Office Order, give public notice to that effect and post a notice to that effect in a place easily seen by the public at all of its business offices by thirty days prior to the date of the event.
4 資金移動業者は、前項の規定による公告をしたときは、直ちに、その旨を内閣総理大臣に届け出なければならない。
(4) A Funds Transfer Service Provider must, when having given public notice pursuant to the provisions of the preceding paragraph, notify the Prime Minister to that effect immediately.
5 資金移動業者は、第三項の規定による公告をした場合(事業譲渡、合併又は会社分割その他の事由により当該業務の承継に係る公告をした場合を除く。)には、廃止しようとする資金移動業として行う為替取引に関し負担する債務の履行を速やかに完了しなければならない。
(5) A Funds Transfer Service Provider must, when having given public notice pursuant to the provisions of paragraph (3) (excluding cases where it has given public notice concerning the succession of the relevant business by way of transfer of business, merger or company split, or for other reasons), promptly complete the performance of obligations that it has borne in relation to the exchange transactions that it has carried out in the course of the Funds Transfer Services that it intends to discontinue.
6 会社法第九百四十条第一項(第一号に係る部分に限る。)及び第三項の規定は、資金移動業者(外国資金移動業者を除く。)が電子公告(同法第二条第三十四号に規定する電子公告をいう。次項において同じ。)により第三項の規定による公告をする場合について準用する。この場合において、必要な技術的読替えは、政令で定める。
(6) The provisions of Article 940, paragraph (1) (limited to the part pertaining to item (i)) and Article 940, paragraph (3) of the Companies Act applies mutatis mutandis to cases where a Funds Transfer Service Provider (excluding a Foreign Funds Transfer Service Provider) gives public notice under paragraph (3) by way of Electronic Public Notice (meaning Electronic Public Notice prescribed in Article 2, item (xxxiv) of that Act; the same applies in the following paragraph). In this case, any necessary technical replacement of terms is specified by Cabinet Order.
7 会社法第九百四十条第一項(第一号に係る部分に限る。)及び第三項、第九百四十一条、第九百四十六条、第九百四十七条、第九百五十一条第二項、第九百五十三条並びに第九百五十五条の規定は、外国資金移動業者である資金移動業者が電子公告により第三項の規定による公告をする場合について準用する。この場合において、必要な技術的読替えは、政令で定める。
(7) The provisions of Article 940, (1) (limited to the part pertaining to item (i)) and Article 940, (3), Article 941, Article 946, Article 947, Article 951 (2), Article 953, and Article 955 of the Companies Act apply mutatis mutandis to cases where a Funds Transfer Service Provider that is a Foreign Funds Transfer Service Provider gives public notice under paragraph (3) by way of Electronic Public Notice. In this case, any necessary technical replacement of terms is specified by Cabinet Order.

(登録の取消し等に伴う債務の履行の完了等)(Completion of Performance of Obligations Subsequent to Revocation of Registration)
第六十二条 資金移動業者について、第五十六条第一項若しくは第二項の規定により第三十七条の登録が取り消されたとき、又は前条第二項の規定により第三十七条の登録が効力を失ったときは、当該資金移動業者であった者は、その行う為替取引に関し負担する債務の履行を完了する目的の範囲内においては、なお資金移動業者とみなす。
Article 62 (1) With regard to a Funds Transfer Service Provider, when the registration under Article 37 has been revoked pursuant to provisions of Article 56, paragraph (1) or (2) or has ceased to be effective pursuant to the provisions of paragraph (2) of the preceding Article, the person who has been the Funds Transfer Service Provider is deemed to be a Funds Transfer Service Provider within the scope of the purpose of completing the performance of obligations that it has borne in relation to the exchange transactions that it has carried out.
2 二以上の種別の資金移動業を営む資金移動業者について、第四十一条第五項の規定により一の種別の資金移動業の全部の廃止による資金移動業の種別の変更が資金移動業者登録簿に登録されたときは、当該資金移動業者は、廃止した種別の資金移動業に係る為替取引に関し負担する債務の履行を完了する目的の範囲内においては、なお当該種別の資金移動業を営む資金移動業者として第三十七条の登録を受けているものとみなす。
(2) With regard to a Funds Transfer Service Provider engaging in two or more categories of Funds Transfer Services, when a change of categories of Funds Transfer Services due to the discontinuation of all of one category of Funds Transfer Services has been registered in the register of Funds Transfer Service Providers under the provisions of Article 41, paragraph (5), the Funds Transfer Service Provider is deemed to be registered as a Funds Transfer Service Provider engaging in those categories of Funds Transfer Services under Article 37 within the scope of the purpose of completing the performance of obligations that it has borne in relation to the exchange transactions for the category of Funds Transfer Services that it has discontinued.

(外国資金移動業者の勧誘の禁止)(Prohibition on Solicitation by Foreign Funds Transfer Service Providers)
第六十三条 第三十七条の登録を受けていない外国資金移動業者は、法令に別段の定めがある場合を除き、国内にある者に対して、為替取引の勧誘をしてはならない。
Article 63 Unless otherwise prescribed by laws and regulations, a Foreign Funds Transfer Service Provider not registered under Article 37 must not conduct solicitation of a person in Japan for exchange transactions.
第五章 認定資金決済事業者協会 Chapter V Certified Associations for Payment Service Providers
(認定資金決済事業者協会の認定)
(Certification of Associations for Payment Service Providers)
第八十七条 内閣総理大臣は、政令で定めるところにより、前払式支払手段発行者、資金移動業者又は暗号資産交換業者が設立した一般社団法人であって、次に掲げる要件に該当すると認められるものを、その申請により、次条に規定する業務(以下この章において「認定業務」という。)を行う者として認定することができる。
Article 87 The Prime Minister may, pursuant to the provisions of Cabinet Order, certify a general incorporated association established by an Issuer of Prepaid Payment Instruments, a Funds Transfer Service Provider or a Crypto-Asset Exchange Service Provider that is found to satisfy the following requirements as a person permitted to engage in the business prescribed in the following Article (hereinafter referred to as “Certified Businesses” in this Chapter) upon that person’s application:
一 前払式支払手段(第三条第一項に規定する前払式支払手段をいう。以下この章において同じ。)の発行の業務、資金移動業又は暗号資産交換業の適切な実施を確保し、並びにこれらの健全な発展及び利用者(第十条第一項第四号に規定する加盟店を含む。以下この章において同じ。)の利益の保護に資することを目的とすること。
(i) the general incorporated association aims to ensure the appropriate provision of the business of issuing Prepaid Payment Instruments (meaning Prepaid Payment Instruments provided for in Article 3, paragraph (1); the same applies hereinafter in this Chapter), the Funds Transfer Services or the Crypto-Asset Exchange Services as well as contributing to the sound development of these businesses and protection of the interests of the users (including member shops provided for in Article 10, paragraph (1), item (iv); hereinafter the same applies in this Chapter);
二 前払式支払手段発行者、資金移動業者又は暗号資産交換業者を社員(以下この章において「会員」という。)とする旨の定款の定めがあること。
(ii) the general incorporated association’s articles of incorporation include a provision to the effect that its members (hereinafter referred to as “Members” in this Chapter) are Issuers of Prepaid Payment Instruments, Funds Transfer Service Providers or Crypto-Asset Exchange Service Providers;
三 認定業務を適正かつ確実に行うに必要な業務の実施の方法を定めているものであること。
(iii) the general incorporated association has established the means of business operations necessary for the proper and secure conduct of the Certified Businesses; and
四 認定業務を適正かつ確実に行うに足りる知識及び能力並びに財産的基礎を有するものであること。
(iv) the general incorporated association has the knowledge, ability, and financial foundation sufficient for the proper and secure conduct of the Certified Businesses.

(認定資金決済事業者協会の業務)
(Business of Certified Associations for Payment Service Providers)
第八十八条 認定資金決済事業者協会は、次に掲げる業務を行うものとする。
Article 88 A Certified Association for Payment Service Providers is to engage in the following business:
一 会員が前払式支払手段の発行の業務、資金移動業又は暗号資産交換業を行うに当たり、この法律その他の法令の規定及び第三号の規則を遵守させるための会員に対する指導、勧告その他の業務
(i) the business of providing guidance, recommendation, etc. to Members for the purpose of causing Members to comply with provisions of this Act and other laws and regulations and rules prescribed in item (iii) in carrying out their business of issuing Prepaid Payment Instruments, Funds Transfer Services or Crypto-Asset Exchange Services;
二 会員の行う前払式支払手段の発行の業務、資金移動業又は暗号資産交換業に関し、契約の内容の適正化その他前払式支払手段、資金移動業又は暗号資産交換業の利用者の利益の保護を図るために必要な指導、勧告その他の業務
(ii) the business of providing guidance, recommendation, etc. to Members in relation to their business of issuing Prepaid Payment Instruments, Funds Transfer Services or Crypto-Asset Exchange Services that is necessary for ensuring the appropriateness of the terms and conditions of contracts or otherwise protecting the interests of users of the business of issuing Prepaid Payment Instruments, the Funds Transfer Services or the Crypto-Asset Exchange Services;
三 会員の行う前払式支払手段の発行の業務、資金移動業又は暗号資産交換業の適正化及びその取り扱う情報の適切な管理を図るために必要な規則の制定
(iii) establishment of the rules that are necessary for the appropriate management of the business of issuing Prepaid Payment Instruments, the Funds Transfer Services or the Crypto-Asset Exchange Services carried out by Members and information used in these businesses;
四 会員のこの法律若しくはこの法律に基づく命令若しくはこれらに基づく処分又は前号の規則の遵守の状況の調査
(iv) investigation of the status of compliance with this Act or an order issued pursuant to this Act or a disposition given pursuant thereto, or the rules prescribed in the preceding item;
五 前払式支払手段、資金移動業又は暗号資産交換業の利用者の利益を保護するために必要な情報の収集、整理及び提供
(v) collection, arrangement, and provision of information necessary for the protection of the interests of users of the business of issuing Prepaid Payment Instruments, the Funds Transfer Services or the Crypto-Asset Exchange Services;
六 会員の行う前払式支払手段の発行の業務、資金移動業又は暗号資産交換業に関する利用者からの苦情の処理
(vi) handling of complaints from users related to the business of issuing Prepaid Payment Instruments, the Funds Transfer Services or the Crypto-Asset Exchange Services carried out by Members;
七 前払式支払手段、資金移動業又は暗号資産交換業の利用者に対する広報その他認定資金決済事業者協会の目的を達成するために必要な業務
(vii) publicity to the users of Prepaid Payment Instruments, the Funds Transfer Services or the Crypto-Asset Exchange Services and other businesses necessary for the achievement of the purposes of the Certified Association for Payment Service Providers; and
八 前各号に掲げるもののほか、前払式支払手段の発行の業務、資金移動業又は暗号資産交換業の健全な発展及びこれらの利用者の保護に資する業務
(viii) beyond what is set forth in the preceding items, businesses that contribute to the sound development of the business of issuing Prepaid Payment Instruments, the Funds Transfer Services or the Crypto-Asset Exchange Services and the protection of the users of these businesses.
 
(会員名簿の縦覧等)
(Public Inspection of Membership List)
第八十九条 認定資金決済事業者協会は、会員名簿を公衆の縦覧に供しなければならない。
Article 89 (1) A Certified Association for Payment Service Providers must make its membership list available for public inspection.
2 認定資金決済事業者協会でない者は、その名称中に、認定資金決済事業者協会と誤認されるおそれのある文字を用いてはならない。
(2) No person other than a Certified Association for Payment Service Providers may use a name containing wording that is likely to mislead the public into believing that the person is a Certified Association for Payment Service Providers.
3 認定資金決済事業者協会の会員でない者は、その名称中に、認定資金決済事業者協会の会員と誤認されるおそれのある文字を用いてはならない。
(3) No person other than a Member of a Certified Association for Payment Service Providers may use a name containing wording that is likely to mislead the public into believing that the person is a Member of a Certified Association for Payment Service Providers.
 
(会員に関する情報の利用者への周知等)
(Making Information about Members Known to Users)
第九十条 前払式支払手段発行者をその会員とする認定資金決済事業者協会は、前払式支払手段発行者である会員から第十三条第一項第四号に掲げる事項その他内閣府令で定める事項について当該前払式支払手段の利用者への周知を求められた場合には、当該事項を当該前払式支払手段の利用者に周知しなければならない。
Article 90 (1) A Certified Association for Payment Service Providers whose members are Issuers of Prepaid Payment Instruments must, upon request from an Issuer of Prepaid Payment Instruments for making the particulars listed in Article 13, paragraph (1), item (iv), and other particulars specified by Cabinet Office Order public to the users of those Prepaid Payment Instruments, make those particulars public to the users.
2 認定資金決済事業者協会は、第九十七条の規定により内閣総理大臣から提供を受けた情報のうち利用者の保護に資する情報について、前払式支払手段、資金移動業又は暗号資産交換業の利用者に提供できるようにしなければならない。
(2) A Certified Association for Payment Service Providers must have the ability to provide the users of Prepaid Payment Instruments, the Funds Transfer Services or the Crypto-Asset Exchange Services with the portion of the information provided by the Prime Minister pursuant to the provisions of Article 97 that contributes to the protection of those users.
  
(利用者からの苦情に関する対応)
(Responses to Complaints from Users)
第九十一条 認定資金決済事業者協会は、前払式支払手段、資金移動業又は暗号資産交換業の利用者から会員の行う前払式支払手段の発行の業務、資金移動業又は暗号資産交換業に関する苦情について解決の申出があったときは、その相談に応じ、申出人に必要な助言をし、その苦情に係る事情を調査するとともに、当該会員に対しその苦情の内容を通知してその迅速な処理を求めなければならない。
Article 91 (1) When a user of Prepaid Payment Instruments, Funds Transfer Services or Crypto-Asset Exchange Services files an application for resolution of a complaint concerning the business of issuing Prepaid Payment Instruments, Funds Transfer Services or Crypto-Asset Exchange Services carried out by a Member, a Certified Association for Payment Service Providers must respond to requests for consultation, provide necessary advice to the applicant, investigate the circumstances pertaining to the complaint, notify the Member of the content of the complaint and advise the Member to process the complaint expeditiously.
2 認定資金決済事業者協会は、前項の申出に係る苦情の解決について必要があると認めるときは、当該会員に対し、文書若しくは口頭による説明を求め、又は資料の提出を求めることができる。
(2) When a Certified Association for Payment Service Providers finds it necessary for resolving a complaint in an application under the preceding paragraph, it may advise the relevant Member to provide a written or oral explanation or submit materials.
3 会員は、認定資金決済事業者協会から前項の規定による求めがあったときは、正当な理由がないのに、これを拒んではならない。
(3) When a Certified Association for Payment Service Providers has advised a Member to carry out an action under the preceding paragraph, the Member must not refuse to do this without reasonable grounds.
4 認定資金決済事業者協会は、第一項の申出、苦情に係る事情及びその解決の結果について会員に周知させなければならない。
(4) A Certified Association for Payment Service Providers must make public to its Members any applications under paragraph (1), circumstances pertaining to the complaints, and the outcome of any resolution.
5 第一項の規定は、認定資金決済事業者協会が第九十九条第一項の規定による指定を受けている場合において、第一項の申出が当該指定に係る紛争解決等業務の種別に関する苦情に係るものであるときは、適用しない。
(5) In cases where a Certified Association for Payment Service Providers is designated as such under Article 99, paragraph (1), if the application filed under paragraph (1) is related to complaints concerning the Category of Dispute Resolution Services pertaining to the designation, the provisions of paragraph (1) do not apply.
   
(認定資金決済事業者協会への報告等)
(Reports to Certified Associations for Payment Service Providers)
第九十二条 会員は、前払式支払手段発行者、資金移動業者又は暗号資産交換業者が行った利用者の保護に欠ける行為に関する情報その他利用者の利益を保護するために必要な情報として内閣府令で定めるものを取得したときは、これを認定資金決済事業者協会に報告しなければならない。
Article 92 (1) When a Member obtains information about actions of an Issuer of Prepaid Payment Instruments, Funds Transfer Service Provider or Crypto-Asset Exchange Service Provider that impairs the protection of users and other information necessary for the protection of the interests of users as specified by Cabinet Office Order, it must report this to the Certified Association for Payment Service Providers to which it belongs.
2 認定資金決済事業者協会は、その保有する前項に規定する情報について会員から提供の請求があったときは、正当な理由がある場合を除き、当該情報を提供しなければならない。
(2) Upon receipt of a request from a Member to provide the information obtained pursuant to the provisions of the preceding paragraph, a Certified Association for Payment Service Providers must provide the Member with that information except in cases where there are reasonable grounds for refusing the request.
 
(秘密保持義務等)
(Confidentiality Obligation)
第九十三条 認定資金決済事業者協会の役員若しくは職員又はこれらの職にあった者は、その職務に関して知り得た秘密を漏らし、又は盗用してはならない。
Article 93 (1) An officer or an employee of a Certified Association for Payment Service Providers, or a person who was formerly in that position must not divulge to another person or misappropriate any confidential information learned during their course of duties.
2 認定資金決済事業者協会の役員若しくは職員又はこれらの職にあった者は、その職務に関して知り得た情報を、認定業務の用に供する目的以外に利用してはならない。
(2) An officer or an employee of a Certified Association for Payment Service Providers, or a person who was formerly in that position must not use any information learned during their course of duties for purposes other than providing this information for the use of the Certified Businesses.

(定款の必要的記載事項)
(Particulars Which Must Be Stated in Articles of Incorporation)
第九十四条 一般社団法人及び一般財団法人に関する法律第十一条第一項各号に掲げる事項及び第八十七条第二号に規定する定款の定めのほか、認定資金決済事業者協会は、その定款において、この法律若しくはこの法律に基づく命令若しくはこれらに基づく処分又は第八十八条第三号の規則に違反した会員に対し、定款で定める会員の権利の停止若しくは制限を命じ、又は除名する旨を定めなければならない。
Article 94 Beyond what is set forth in items of Article 11, paragraph (1) of the Act on General Incorporated Association and General Incorporated Foundation and a provision of the articles of incorporation prescribed in Article 87, item (ii), a Certified Association for Payment Service Providers must stipulate in its articles of incorporation that in the event that its Member violates this Act or an order issued pursuant to this Act or a disposition given pursuant thereto, or the rules prescribed in Article 88, item (iii), the Certified Association for Payment Service Providers will suspend or restrain the rights granted to the Member under the articles of incorporation, or expel the Member from the association.

(立入検査等)
(On-Site Inspections)
第九十五条 内閣総理大臣は、この法律の施行に必要な限度において、認定資金決済事業者協会に対し、その業務若しくは財産に関し参考となるべき報告若しくは資料の提出を命じ、又は当該職員に当該認定資金決済事業者協会の事務所に立ち入らせ、その業務若しくは財産の状況に関して質問させ、若しくは帳簿書類その他の物件を検査させることができる。
Article 95 The Prime Minister may, within the limits necessary for the enforcement of this Act, order a Certified Association for Payment Service Providers to submit reports or materials that will be helpful for understanding its business or property, or have officials enter the office of that Certified Association for Payment Service Providers, inquire about the status of its business or property or inspect its books and documents or other items.

(認定資金決済事業者協会に対する監督命令等)
(Supervisory Order to Certified Association for Payment Service Providers)
第九十六条 内閣総理大臣は、認定業務の運営に関し改善が必要であると認めるときは、この法律の施行に必要な限度において、認定資金決済事業者協会に対し、その改善に必要な措置をとるべきことを命ずることができる。
Article 96 (1) If the Prime Minister finds it necessary to improve operations of the Certified Businesses carried out by a Certified Association for Payment Service Providers, the Prime Minister may, within the limit necessary for the enforcement of this Act, order the Certified Association for Payment Service Providers to take necessary measures for improving its operations.
2 内閣総理大臣は、認定資金決済事業者協会の業務の運営がこの法律若しくはこの法律に基づく命令又はこれらに基づく処分に違反したときは、その認定を取り消し、又は六月以内の期間を定めてその業務の全部若しくは一部の停止を命ずることができる。
(2) If operations of a business carried out by a Certified Association for Payment Service Providers violate this Act or an order issued pursuant to this Act or a disposition given pursuant thereto, the Prime Minister may revoke its certification or order the Certified Association for Payment Service Providers to suspend all or part of its business, specifying a period of suspension not exceeding six months.

(認定資金決済事業者協会への情報提供)
(Provision of Information to Certified Associations for Payment Service Providers)
第九十七条 内閣総理大臣は、認定資金決済事業者協会の求めに応じ、認定資金決済事業者協会が認定業務を適正に行うために必要な限度において、前払式支払手段発行者、資金移動業者又は暗号資産交換業者に関する情報であって認定業務に資するものとして内閣府令で定める情報を提供することができる。
Article 97 The Prime Minister may, in response to a request from a Certified Association for Payment Service Providers and within the limit necessary for ensuring the proper conduct of Certified Businesses by the Certified Association for Payment Service Providers, provide the Certified Association for Payment Service Providers with information pertaining to an Issuer of Prepaid Payment Instruments, Funds Transfer Service Providers or Crypto-Asset Exchange Service Providers that contributes to the Certified Businesses as specified by Cabinet Office Order.

(公告)
(Public Notices)
第九十八条 内閣総理大臣は、第八十七条の規定による認定をしたとき、又は第九十六条第二項の規定により当該認定を取り消したとき、若しくはその業務の全部若しくは一部の停止を命じたときは、内閣府令で定めるところにより、その旨を公告しなければならない。
Article 98 If the Prime Minister has granted certification under Article 87 has revoked that certification pursuant to the provisions of Article 96, paragraph (2), or has ordered suspension of all or part of the Certified Businesses, the Prime Minister must give public notice to that effect, pursuant to the provisions of Cabinet Office Order.
第六章 指定紛争解決機関 Chapter VI Designated Dispute Resolution Organizations
(紛争解決等業務を行う者の指定)
(Designation of Persons Permitted to Engage in Dispute Resolution Services)
第九十九条 内閣総理大臣は、次に掲げる要件を備える者を、その申請により、紛争解決等業務を行う者として、指定することができる。
Article 99 (1) The Prime Minister may designate a person satisfying the following requirements as a person permitted to engage in Dispute Resolution Services upon that person’s application:
一 法人(人格のない社団又は財団で代表者又は管理人の定めのあるものを含み、外国の法令に準拠して設立された法人その他の外国の団体を除く。第四号ニにおいて同じ。)であること。
(i) the person is a corporation (including an association or foundation without juridical personality for which the representative person or administrator has been designated, but excluding a corporation established under the laws and regulations of a foreign state and other foreign organizations; the same applies in item (iv), (d));
二 次条第一項の規定によりこの項の指定を取り消され、その取消しの日から五年を経過しない者又は他の法律の規定による指定であって紛争解決等業務に相当する業務に係るものとして政令で定めるものを取り消され、その取消しの日から五年を経過しない者でないこと。
(ii) the person is not a person who had its designation under this paragraph revoked pursuant to the provisions of paragraph (1) of the following Article and for whom five years have not passed since the date of the revocation, or a person who had its designation under the provisions of another Act revoked that is one pertaining to a business equivalent to Dispute Resolution Services as specified by Cabinet Order and for whom five years have not passed since the date of the revocation;
三 この法律、銀行法等若しくは弁護士法(昭和二十四年法律第二百五号)又はこれらに相当する外国の法令の規定に違反し、罰金の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない者でないこと。
(iii) the person is not a person who has been punished by a fine (including a punishment under laws and regulations of a foreign state equivalent to this) for violating the provisions of this Act, the Banking Act, the Attorney Act (Act No. 205 of 1949), or laws and regulations of a foreign state equivalent thereto, and for whom five years have not passed since the day when the execution of the punishment terminated or the person became free from the execution of the punishment;
四 役員のうちに、次のいずれかに該当する者がないこと。
(iv) none of the officers of the person fall under any of the following items:
イ 心身の故障のため紛争解決等業務に係る職務を適正に執行することができない者として内閣府令で定める者
(a) a person specified by Cabinet Office Order as being unable to properly perform their duties pertaining to Dispute Resolution Services due to a mental or physical disorder;
ロ 破産手続開始の決定を受けて復権を得ない者又は外国の法令上これに相当する者
(b) a person who has not had rights restored after receiving an order of commencement of bankruptcy proceedings, or a person equivalent thereto under laws and regulations of a foreign state;
ハ 禁錮以上の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない者
(c) a person who has been sentenced to imprisonment or heavier punishment (including equivalent punishment under laws and regulations of a foreign state), and for whom five years have not passed since either execution of the sentence or the cessation of being subject to its execution;
ニ 次条第一項の規定によりこの項の指定を取り消された場合若しくはこの法律に相当する外国の法令の規定により当該外国において受けている当該指定に類する行政処分を取り消された場合において、その取消しの日前一月以内にその法人の役員(外国の法令上これと同様に取り扱われている者を含む。ニにおいて同じ。)であった者でその取消しの日から五年を経過しない者又は他の法律の規定による指定であって紛争解決等業務に相当する業務に係るものとして政令で定めるもの若しくは当該他の法律に相当する外国の法令の規定により当該外国において受けている当該政令で定める指定に類する行政処分を取り消された場合において、その取消しの日前一月以内にその法人の役員であった者でその取消しの日から五年を経過しない者
(d) in cases where a corporation had its designation under this paragraph revoked pursuant to the provisions of paragraph (1) of the following Article, or a corporation had its administrative disposition similar to that designation, that had been granted in a foreign state pursuant to the provisions of laws and regulations of the foreign state equivalent to this Act revoked, a person who had been an officer (including a person treated in the same manner under laws and regulations of a foreign state; the same applies in (d)) of the corporation at any time during the one month prior to the date of the revocation and for whom five years have not passed since that date; or in cases where a corporation had its designation under the provisions of another Act regarding business equivalent to the Dispute Resolution Services as specified by Cabinet Order revoked, or a corporation had its administrative disposition similar to a designation specified by that Cabinet Order, that had been granted in a foreign state pursuant to the provisions of laws and regulations of the foreign state equivalent to the other Act revoked, a person who had been an officer of the corporation at any time during the one month prior to the date of revocation and for whom five years have not passed since that date; or
ホ この法律、銀行法等若しくは弁護士法又はこれらに相当する外国の法令の規定に違反し、罰金の刑(これに相当する外国の法令による刑を含む。)に処せられ、その刑の執行を終わり、又はその刑の執行を受けることがなくなった日から五年を経過しない者
(e) a person who has been punished by a fine (including a punishment under laws and regulations of a foreign state equivalent to this) for violating the provisions of this Act, the Banking Act, the Attorney Act, or laws and regulations of a foreign state equivalent thereto, and for whom five years have not passed since the day when the execution of the punishment terminated or the person became free from the execution of the punishment;
五 紛争解決等業務を的確に実施するに足りる経理的及び技術的な基礎を有すること。
(v) the person has a sufficient accounting and technical foundation to ensure proper execution of the Dispute Resolution Services;
六 役員又は職員の構成が紛争解決等業務の公正な実施に支障を及ぼすおそれがないものであること。
(vi) the composition of the officers or employees of the person involves no risk of causing hindrance to fair execution of Dispute Resolution Services;
七 紛争解決等業務の実施に関する規程(以下この章において「業務規程」という。)が法令に適合し、かつ、この法律の定めるところにより紛争解決等業務を公正かつ的確に実施するために十分であると認められること。
(vii) rules concerning the execution of the Dispute Resolution Services (hereinafter referred to as “Operational Rules” in this Chapter) are found to conform with laws and regulations and are sufficient to ensure fair and proper execution of the Dispute Resolution Services pursuant to the provisions of this Act; and
八 次項の規定により意見を聴取した結果、手続実施基本契約(紛争解決等業務の実施を内容とする契約をいう。以下この章において同じ。)の解除に関する事項その他の手続実施基本契約の内容(第百一条第一項において読み替えて準用する銀行法第五十二条の六十七第二項各号に掲げる事項を除く。)その他の業務規程の内容(第百一条第一項において読み替えて準用する同法第五十二条の六十七第三項の規定によりその内容とするものでなければならないこととされる事項並びに第百一条第一項において読み替えて準用する同法第五十二条の六十七第四項各号及び第五項第一号に掲げる基準に適合するために必要な事項を除く。)について異議(合理的な理由が付されたものに限る。)を述べた資金移動業等関係業者(資金移動業者又は暗号資産交換業者をいう。以下この章において同じ。)の数の資金移動業等関係業者の総数に占める割合が政令で定める割合以下の割合となったこと。
(viii) as a result of a hearing of opinions conducted pursuant to the provisions of the following paragraph, the proportion of the number of Funds Transfer Service Providers, etc. (meaning Funds Transfer Service Providers or Crypto-Asset Exchange Service Providers; hereinafter the same applies in this Chapter) who stated an objection (limited to one to which reasonable grounds are attached) to particulars concerning the cancellation of the basic contract for execution of procedures (meaning a contract that governs the execution of the Dispute Resolution Services; hereinafter the same applies in this Chapter) and other terms and conditions of the basic contract for execution of procedures (excluding particulars listed in items of Article 52-67, paragraph (2) of the Banking Act as applied mutatis mutandis pursuant to Article 101, paragraph (1) following the deemed replacement of terms) and other contents of the Operational Rules (excluding particulars required to be included in the contents of the Operational Rules by the provisions of Article 52-67, paragraph (3) of that Act as applied mutatis mutandis pursuant to Article 101, paragraph (1) following the deemed replacement of terms and particulars necessary for satisfying the criteria listed in the items of Article 52-67, paragraph (4) of that Act and paragraph (5), item (i) of that Article as applied mutatis mutandis pursuant to Article 101, paragraph (1) following the deemed replacement of terms) to the total number of Funds Transfer Service Providers, etc. was not more than a proportion specified by Cabinet Order.
2 前項の申請をしようとする者は、あらかじめ、内閣府令で定めるところにより、資金移動業等関係業者に対し、業務規程の内容を説明し、これについて異議がないかどうかの意見(異議がある場合には、その理由を含む。)を聴取し、及びその結果を記載した書類を作成しなければならない。
(2) A person intending to make an application under the preceding paragraph must, pursuant to the provisions of Cabinet Office Order, provide Funds Transfer Service Providers, etc. with an explanation about the contents of the Operational Rules in advance, conduct a hearing of their opinions with regard to whether there is any objection to the contents (including grounds for objection in cases where there is any objection), and prepare a document containing the results of the hearing.
3 内閣総理大臣は、第一項の規定による指定をしようとするときは、同項第五号から第七号までに掲げる要件(紛争解決手続の業務に係る部分に限り、同号に掲げる要件にあっては、第百一条第一項において読み替えて準用する銀行法第五十二条の六十七第四項各号及び第五項各号に掲げる基準に係るものに限る。)に該当していることについて、あらかじめ、法務大臣に協議しなければならない。
(3) If the Prime Minister intends to grant a designation under paragraph (1), the Prime Minister must consult with the Minister of Justice in advance with regard to the conclusion that the applicant satisfies the requirements listed in items (v) through (vii) of that paragraph (limited to the portion pertaining to the business of executing dispute resolution procedures, and with regard to the requirements listed in those items, limited to those pertaining to the criteria listed in the items of Article 52-67, paragraph (4) of the Banking Act and the items of paragraph (5) of that Article as applied mutatis mutandis pursuant to Article 101, paragraph (1) following the deemed replacement of terms).
4 第一項の規定による指定は、紛争解決等業務の種別ごとに行うものとし、同項第八号の割合は、当該紛争解決等業務の種別ごとに算定するものとする。
(4) The designation under the provisions of paragraph (1) is made by Category of Dispute Resolution Services, and the proportion referred to in item (viii) of that paragraph is calculated for the relevant Category of Dispute Resolution Services.
5 内閣総理大臣は、第一項の規定による指定をしたときは、内閣府令で定めるところにより、その旨を公告しなければならない。
(5) If the Prime Minister granted a designation pursuant to the provisions of paragraph (1), the Prime Minister must give public notice to that effect pursuant to the provisions of Cabinet Office Order.
  
(指定の取消し等)
(Revocation of Designations)
第百条 内閣総理大臣は、指定紛争解決機関が次の各号のいずれかに該当するときは、前条第一項の規定による指定を取り消し、又は六月以内の期間を定めて、その業務の全部若しくは一部の停止を命ずることができる。
Article 100 (1) If a Designated Dispute Resolution Organization falls under any of the following items, the Prime Minister may revoke its designation under paragraph (1) of the preceding Article or order the Designated Dispute Resolution Organization to suspend all or part of its business, specifying a period of suspension not exceeding six months:
一 前条第一項第二号から第七号までに掲げる要件に該当しないこととなったとき、又は指定を受けた時点において同項各号のいずれかに該当していなかったことが判明したとき。
(i) the Designated Dispute Resolution Organization no longer satisfies the requirements listed in paragraph (1), items (ii) through (vii) of the preceding Article or is found not to have satisfied any of the items of that paragraph when the designation was granted;
二 不正の手段により前条第一項の規定による指定を受けたとき。
(ii) the Designated Dispute Resolution Organization has obtained the designation under paragraph (1) of the preceding Article through wrongful means; or
三 法令又は法令に基づく処分に違反したとき。
(iii) the Designated Dispute Resolution Organization has violated laws and regulations or a disposition given pursuant thereto.
2 内閣総理大臣は、指定紛争解決機関が次の各号のいずれかに該当する場合において、前項の規定による処分又は命令をしようとするときは、あらかじめ、法務大臣に協議しなければならない。
(2) In cases where a Designated Dispute Resolution Organization falls under any of the following items, when the Prime Minister intends to give a disposition or issue an order pursuant to the provisions of the preceding paragraph, the Prime Minister must consult with the Minister of Justice in advance:
一 前条第一項第五号から第七号までに掲げる要件(紛争解決手続の業務に係る部分に限り、同号に掲げる要件にあっては、次条第一項において読み替えて準用する銀行法第五十二条の六十七第四項各号及び第五項各号に掲げる基準に係るものに限る。以下この号において同じ。)に該当しないこととなった場合又は前条第一項の規定による指定を受けた時点において同項第五号から第七号までに掲げる要件に該当していなかったことが判明した場合
(i) when the Designated Dispute Resolution Organization no longer satisfies the requirements listed in paragraph (1), items (v) through (vii) of the preceding Article (limited to the portion pertaining to the business of executing dispute resolution procedures, and with regard to the requirements listed in those items, limited to those pertaining to the criteria listed in items of Article 52-67, paragraph (4) of the Banking Act and items of paragraph (5) of that Article as applied mutatis mutandis pursuant to paragraph (1) of the following Article following the deemed replacement of terms; hereinafter the same applies in this item) or when the Designated Dispute Resolution Organization is found not to have satisfied any of paragraph (1), items (v) through (vii) of the preceding Article when the designation under that paragraph was granted; or
二 次条第一項において読み替えて準用する銀行法第五十二条の六十五、第五十二条の六十六、第五十二条の六十九又は第五十二条の七十三の規定に違反した場合(その違反行為が紛争解決手続の業務に係るものである場合に限る。)
(ii) when the Designated Dispute Resolution Organization has violated the provisions of Article 52-65, Article 52-66, Article 52-69, or Article 52-73 of the Banking Act as applied mutatis mutandis pursuant to paragraph (1) of the following Article following the deemed replacement of terms (limited to cases where the violation pertains to the business of executing dispute resolution procedures).
3 第一項の規定により前条第一項の規定による指定の取消しの処分を受け、又はその業務の全部若しくは一部の停止の命令を受けた者は、当該処分又は命令の日から二週間以内に、当該処分又は命令の日に次条第一項において読み替えて準用する銀行法第五十二条の八十三第三項に規定する苦情処理手続又は紛争解決手続が実施されていた当事者、当該当事者以外の手続実施基本契約を締結した相手方である資金移動業等関係業者及び他の指定紛争解決機関に当該処分又は命令を受けた旨を通知しなければならない。
(3) A person who has had its designation under paragraph (1) of the preceding Article revoked pursuant to the provisions of paragraph (1) or has received an order to suspend all or part of its business must, within two weeks from the date of that disposition or order, notify the parties to whom the complaint handling procedures or dispute resolution procedures prescribed in Article 52-83, paragraph (3) of the Banking Act as applied mutatis mutandis pursuant to paragraph (1) of the following Article following the deemed replacement of terms are being executed as of the date of that disposition or order, Funds Transfer Service Providers, etc. other than the parties who are the other parties to the basic contract for execution of procedures, and other Designated Dispute Resolution Organizations to the effect that it has received that disposition or order.
4 内閣総理大臣は、第一項の規定により前条第一項の規定による指定を取り消したとき、又はその業務の全部若しくは一部の停止を命じたときは、内閣府令で定めるところにより、その旨を公告しなければならない。
(4) When the Prime Minister has revoked the designation under paragraph (1) of the preceding Article pursuant to the provisions of paragraph (1) or has ordered suspension of all or part of the relevant business, the Prime Minister must give public notice to that effect, pursuant to the provisions of Cabinet Office Order.

(指定紛争解決機関に関する銀行法の規定の準用)
(Application Mutatis Mutandis of the Provisions of the Banking Act to Designated Dispute Resolution Organizations)
第百一条 銀行法第二条第二十二項から第二十五項まで及び第五十二条の六十三から第五十二条の八十三までの規定(これらの規定に係る罰則を含む。次項において「銀行法規定」という。)は、指定紛争解決機関について準用する。この場合において、次項に定める場合を除き、これらの規定中次の表の上欄に掲げる字句は、それぞれ同表の下欄に掲げる字句と読み替えるものとする。
Article 101 (1) The provisions of Article 2, paragraph (22) through Article 2, paragraph (25) and Article 52-63 through Article 52-83 of the Banking Act (including the penal provisions pertaining to these provisions; referred to as “Banking Act Provisions” in the following paragraph) apply mutatis mutandis to Designated Dispute Resolution Organizations. In this case, except in cases specified in the following paragraph, the terms in these provisions listed in the left-hand column of the table below are deemed to be replaced with the terms listed in the right-hand column of that table:
表1: 101条 1 Chart1: Article 101-1
2 銀行法規定を指定紛争解決機関について準用する場合において、次の表の上欄に掲げる銀行法規定中同表の中欄に掲げる字句は、それぞれ同表の下欄に掲げる字句と読み替えるものとするほか、必要な技術的読替えは、政令で定める。
(2) In cases where the Banking Act Provisions are applied mutatis mutandis to Designated Dispute Resolution Organizations, the terms or phrases listed in the middle column of the table below that appear in the Banking Act Provisions as listed in the left-hand column of that table are deemed to be replaced with the corresponding terms or phrases listed in the right-hand column of that table; and any other necessary technical replacement of terms are specified by Cabinet Order:
表2: 101条 2 Chart 2: Article 101-2
第七章 雑則 Chapter VII Miscellaneous Provisions
(検査職員の証明書の携帯)
(Carrying of Certificate by Inspection Officials)
第百二条 第二十四条第一項若しくは第二項、第五十四条第一項若しくは第二項、第六十三条の十五第一項若しくは第二項、第八十条第一項若しくは第二項又は第九十五条の規定により立入検査をする職員は、その身分を示す証明書を携帯し、関係者の請求があったときは、これを提示しなければならない。
Article 102 (1) Inspection officials who conduct on-site inspections pursuant to the provisions of Article 24, paragraph (1) or (2), Article 54, paragraph (1) or (2), Article 63-15, paragraph (1) or (2), Article 80, paragraph (1) or (2), or Article 95 must carry a certificate of identification on their person and present it when requested by any person concerned.
2 前項に規定する各規定による立入検査の権限は、犯罪捜査のために認められたものと解してはならない。
(2) The authority to conduct on-site inspection under the provisions prescribed in the preceding paragraph must not be interpreted as being granted for the purpose of criminal investigation.

(財務大臣への資料提出等)
(Submission of Materials to the Minister of Finance)
第百三条 財務大臣は、その所掌に係る金融破綻処理制度及び金融危機管理に関し、前払式支払手段発行者、資金移動業者、暗号資産交換業者又は資金清算機関に係る制度の企画又は立案をするために必要があると認めるときは、内閣総理大臣に対し、必要な資料の提出及び説明を求めることができる。
Article 103 (1) When the Minister of Finance finds it necessary for planning or drafting systems pertaining to an Issuer of Prepaid Payment Instruments, Funds Transfer Service Providers, Crypto-Asset Exchange Service Providers or Clearing Institution for Interbank Funds Transfers, in relation to a system for disposal of failed financial institutions and financial risk management under the minister’s jurisdiction, the minister may request the Prime Minister to provide necessary materials and explanation therefor.
2 財務大臣は、その所掌に係る金融破綻処理制度及び金融危機管理に関し、前払式支払手段発行者、資金移動業者、暗号資産交換業者又は資金清算機関に係る制度の企画又は立案をするため特に必要があると認めるときは、その必要の限度において、前払式支払手段発行者、資金移動業者、暗号資産交換業者、資金清算機関又は認定資金決済事業者協会その他の関係者に対し、資料の提出、説明その他の協力を求めることができる。
(2) When and to the extent the Minister of Finance finds it particularly necessary for planning or drafting systems pertaining to an Issuer of Prepaid Payment Instruments, Funds Transfer Service Providers, Crypto-Asset Exchange Service Providers or Clearing Institution for Interbank Funds Transfers, in relation to a system for disposal of failed financial institutions and financial risk management under the minister’s jurisdiction, the minister may request an Issuer of Prepaid Payment Instruments, Funds Transfer Service Providers, Crypto-Asset Exchange Service Providers, Clearing Institution for Interbank Funds Transfers, Certified Association for Payment Service Providers, or any other persons concerned to provide materials and explanation therefor as well as other forms of cooperation, to the extent that the request is necessary.

(権限の委任)
(Delegation of Authority)
第百四条 内閣総理大臣は、この法律による権限(政令で定めるものを除く。)を金融庁長官に委任する。
Article 104 (1) The Prime Minister delegates authority under this Act (excluding that specified by Cabinet Order) to the Commissioner of the Financial Services Agency.
2 金融庁長官は、政令で定めるところにより、前項の規定により委任された権限の一部を財務局長又は財務支局長に委任することができる。
(2) The Commissioner of the Financial Services Agency may, pursuant to the provisions of Cabinet Order, delegate part of the authority that has been delegated pursuant to the provisions of the preceding paragraph to the Director-Generals of Local Finance Bureaus or Local Finance Branch Bureaus.
 
(内閣府令への委任)
(Delegation to Cabinet Office Order)
第百五条 この法律に定めるもののほか、この法律を実施するために必要な事項は、内閣府令で定める。
Article 105 Beyond what is specified in this Act, other particulars necessary for the enforcement of this Act are specified by Cabinet Office Order.
 
(経過措置)
(Transitional Measures)
第百六条 この法律の規定に基づき命令を制定し、又は改廃する場合においては、その命令で、その制定又は改廃に伴い合理的に必要とされる範囲内において、所要の経過措置(罰則に関する経過措置を含む。)を定めることができる。
Article 106 In cases where an order is established, revised or abolished based on the provisions of this Act, transitional measures necessary (including transitional measures concerning penal provisions) may be prescribed in that order, to the extent considered reasonably necessary for establishment, revision or abolition of that order.
(c) Japanese Law Translation, Payment Services Act

表1: 101条 1 Chart1: Article 101-1

銀行業務関連苦情 complaints related to the Banking Business資金移動業等関連苦情 complaints related to the Funds Transfer Service, etc.
銀行業務関連紛争 disputes related to the Banking Business資金移動業等関連紛争 disputes related to the Funds Transfer Service, etc.
加入銀行 participating Banks加入資金移動業等関係者 participating Funds Transfer Service Providers, etc.
顧客 customers利用者 users

表2: 101条 2 Chart 2: Article 101-2

第五十二条の六十三第一項 Article 52-63, paragraph (1)前条第一項 paragraph (1) of the preceding Article資金決済に関する法律(平成二十一年法律第五十九号)第九十九条第一項 Article 99, paragraph (1) of the Payment Services Act (Act No 59 of 2009)
次に掲げる事項 the following particulars指定を受けようとする紛争解決等業務の種別(同法第二条第十五項に規定する紛争解決等業務の種別をいう。第五十二条の七十三第三項第二号において同じ。)及び次に掲げる事項 Category of dispute resolution services (meaning the category of dispute resolution services prescribed in Article 2, paragraph (15) of that Act; the same applies in Article 52-73, paragraph (3), item (ii)) for which designation is sought, and the following particulars
第五十二条の六十三第二項第一号 Article 52-63, paragraph (2), item (i)前条第一項第三号 paragraph (1), item (iii) of the preceding Article資金決済に関する法律第九十九条第一項第三号 Article 99, paragraph (1), item (iii) of the Payment Services Act
第五十二条の六十三第二項第六号 Article 52-63, paragraph (2), item (vi)前条第二項 paragraph (2) of the preceding Article資金決済に関する法律第九十九条第二項 Article 99, paragraph (2) of the Payment Services Act
第五十二条の七十三第三項第二号 Article 52-73, paragraph (3), item (ii)銀行業務 Banking Business紛争解決等業務の種別が資金移動業務(資金決済に関する法律第二条第十五項に規定する資金移動業務をいう。)である場合にあつては為替取引に係る業務、紛争解決等業務の種別が暗号資産交換業務(同項に規定する暗号資産交換業務をいう。)である場合にあつては同条第七項各号に掲げる行為に係る業務 business pertaining to exchange transactions if the category of dispute resolution services is funds transfer business (meaning the funds transfer business prescribed in Article 2, paragraph (15) of the Payment Services Act); or business pertaining to the acts set forth in the items of paragraph (7) of that Article if the category of dispute resolution services is crypto-asset exchange services (meaning the crypto-asset exchange services prescribed in Article 2, paragraph (15) of that Act)
第五十二条の七十四第二項 Article 52-74, paragraph (2)第五十二条の六十二第一項の規定による指定が第五十二条の八十四第一項 designation under Article 52-62, paragraph (1) has been rescinded pursuant to Article 52-84, paragraph (1)資金決済に関する法律第九十九条第一項の規定による指定が同法第百条第一項 designation under Article 99, paragraph (1) of the Payment Services Act has been rescinded pursuant to Article 100, paragraph (1) of that Act
第五十二条の八十四第三項 Article 52-84, paragraph (3)同法第百条第三項 Article 100, paragraph (3) of that Act
第五十二条の八十二第二項第一号 Article 52-82, paragraph (2), item (i)第五十二条の六十二第一項第五号 Article 52-62, paragraph (1), item (v)資金決済に関する法律第九十九条第一項第五号 Article 99, paragraph (1), item (v) of the Payment Services Act

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