Japan FSA updates insurance guidance and money-lending nationality rules

  • Japan’s FSA published insurance guideline comment results and promulgated revised money-lending regulations on Aug. 31, 2026.
  • The money-lending amendment requires records for non-Japanese chief officers to include nationality details and, where applicable, a relevant region; seven comments were received.
  • The insurance revision follows 2025 amendments to the Insurance Business Act, while the money-lending change aligns with family registry rules effective May 26, 2025.

Japan’s Financial Services Agency (FSA), the country’s financial regulator, published public-comment results on draft revisions to supervisory guidelines for small-amount short-term insurers and promulgated an amendment to the Enforcement Regulation of the Money Lending Business Act on Aug. 31, 2026. The money-lending amendment expands nationality details recorded for chief officers of money-lending businesses who are not Japanese nationals, aligning the framework with a family registry ordinance that took effect on May 26, 2025. The FSA received seven comments on the money-lending draft during the July 10-Aug. 10, 2026 consultation period and published its responses and the detailed amendment in appendices.

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