Japan's Financial Services Agency (FSA), the country's financial regulator, announced on the 28th that multi-insurer agencies must adopt comparison-based recommendation sales from March 1, 2028. Agencies handling products from multiple insurers will have to assess customer intent as fully as possible, compare several suitable policies and explain why a specific product was recommended. They must also present examples of key considerations when customer preferences are unclear and retain sales-process records for later supervisory checks. The rules cover multi-insurer agencies operated by insurance shops and auto dealerships and are designed to curb recommendations driven by agency revenue and high insurer commissions. The changes follow the Big Motor insurance fraud scandal, which exposed arrangements in which insurers provided business support and other favors while agencies prioritized their products. The roughly 18-month transition period is intended to give agencies time to rebuild business models, upgrade comparison and record-management systems, and train staff. Small and midsize agencies that depend heavily on commissions may face the greatest pressure, while insurers could need to review commission levels and agency favors as product quality and pricing become more important to sales.