Japan’s Financial Services Agency (FSA) published public-comment results and finalized revisions to Cabinet Office ordinances and supervisory guidelines under the amended Insurance Business Act. The rules require multi-insurer insurance agents, including insurance shops and auto dealerships, to assess customer intent as fully as possible, compare suitable products, explain why a policy was recommended and retain sales-process records. The framework follows reports on structural issues and competition in the non-life insurance sector and scrutiny after the Big Motor insurance fraud scandal. The revised ordinances and guidance take effect on March 1, 2028, after a transition period for agencies to build systems, train staff and revise business models.