Failure to file a notification could result in administrative penalties!? Regarding notifications of changes to lending businesses.
Posted: May 2026, 7
Even after being registered, if there are any changes to the information stated in the registration application, a money lender is required to submit a change notification form in accordance with Article 8 of the Money Lending Business Act.
Even if the company's registration changes and internal procedures have been completed, if there are any changes to the information stated in the registration application, a change notification form must be submitted.
In particular, changes in company name, representative, officers, relocation of business offices, changes in telephone number, website, email address, and loan officer.These are examples of changes that frequently occur in practice.
If these issues are left unaddressed, they may become a problem when applying for renewal or when administrative authorities verify the information, as the registered details may not match the actual situation.
1. Failure to submit a change notification will also affect your renewal application.
The moneylending business registration must be renewed every three years.
When you submit a renewal application, your current registration details will be verified to ensure they match your actual situation.
Therefore, if there are any omissions in past change notifications, additional action will be required during the renewal preparation stage, which will not only affect the schedule but also, depending on the situation,Administrative actionIt may also be subject to that.
In particular, changes to the representative, officers, employees designated by government ordinance, and loan business managers, changes to the office layout, and changes to the contact information used in advertising are often treated as normal changes within the company, but they may be subject to notification under the Money Lending Business Act, so in addition to checking each time a change occurs,A system for regularly verifying registered information against actual circumstances.It is important to keep things in order.
2.Changes that require prior notification
Some change notifications require notification "in advance" before the change takes place.
Changes to the name, address, building name, or telephone number of a business office or branch, the establishment or closure of a business office or branch, and the telephone number, fax number, website, email address, etc. displayed when advertising or soliciting information,Advance notificationIt is subject to this.
Also, regarding changes to the address,This includes not only a simple change of address, but also relocation to a different floor within the same building, expansion of floor space, relocation within a floor, and changes to the interior layout.Even if you've only moved rooms within the same building, changed the layout of your office, or changed the URL of your website, you will still need to file a change notification for your lending business.
When making changes to sales offices or advertising displays, it is important to start preparing well in advance, working backward from the desired change date.
3. Changes that must be reported within two weeks of the change.
On the other hand, regarding the trade name or company name, representative, officers, employees specified by government ordinance, loan business manager, type of business, method of business, and other types of businesses conducted,Within two weeks of the date of the changeA notification is required.
Because the two-week deadline is short, if you only start preparing after the registration is complete, you may not have enough time to collect documents such as the complete registration certificate, resident registration certificate, identification documents, resume, sworn statement, and copy of the chief officer registration completion notice.
If changes in officers or supervisors are planned, you should check in advance the necessary documents for filing a change notification for your moneylending business, along with the registration and internal resolution schedules.
4. Attention should also be paid to differences in implementation among local governments.
While the basic reporting obligations under the Money Lending Business Act are the same nationwide, the actual submission destination, number of copies to submit, acceptance methods, and handling of attached documents vary from municipality to municipality.
- TokyoThe notification of change should be submitted to the Tokyo branch of the Japan Lending Industry Association, and it should be submitted to the Tokyo branch regardless of whether or not you are a member of the Lending Industry Association.
- AichiThe notification of change requires one original and one copy, and members are instructed to submit them to the Aichi Prefecture Branch of the Japan Lending Industry Association, while non-members are instructed to submit them to the Aichi Prefecture Small and Medium Enterprise Finance Division.
- OsakaRegarding change notifications received on or after April 1, 2025, it has been announced that the attachment of a certified copy of the registration certificate may be omitted. On the other hand, it has been stated that applications with deficiencies may not be accepted, and if additional documents cannot be submitted within the statutory period, a statement of reasons for the delay may be requested.
◆Leave your moneylending business change notification to Support Administrative Scrivener Corporation.
Support Administrative Scrivener Corporation provides support for procedures related to the moneylending business, including notification of changes to moneylending businesses, renewal of registration, new registration, changes in business locations, changes in officers, changes in the person in charge of handling moneylending business, and development of internal regulations.
If you have any of the following concerns, please contact us as soon as possible: "We've made a change in our board of directors, but we're unsure if we need to file a new moneylending business registration," "We're planning to relocate or change the layout of our office," "We want to check for any past changes that we might have missed before submitting our renewal application," or "We want to consolidate the management of licenses and permits for multiple locations."
References: Article 8 of the Money Lending Business Act, "Notification of Change," Article 7 and Appendix Form No. 5 of the Enforcement Regulations of the Money Lending Business Act, "Notification of Change," Tokyo Metropolitan Government Bureau of Industrial and Labor Affairs, "Outline of Procedures for Registration Application (New/Renewal) of Money Lending Businesses," Tokyo Metropolitan Government Bureau of Industrial and Labor Affairs, "Procedures Based on the 'Money Lending Business Act'," Osaka Prefecture, "Regarding Registration Procedures: Notification of Change," Kanagawa Prefecture, "Procedures for Already Registered Money Lenders," Aichi Prefecture, "Regarding Notification of Change of Registered Money Lender," Shizuoka Prefecture, "Notification of Change of Registration of Money Lending Business Based on the Money Lending Business Act"
Person in charge: Keiko Watanabe
