The JBA operates the Foreign Exchange Yen Clearing System, which settles foreign exchange payments in yen. The system uses the BOJ-NET to process payment instructions, and its operation is one of the businesses set out in the JBA's articles of incorporation1. The JBA also plans and operates the Zengin System, the bill and check clearing system, and the electronic monetary claims recording institution (Densai Net)2.

The JBA Customer Relations Center accepts complaints and inquiries about dealings with banks. A customer whose dispute is not resolved through the Center's complaint processing procedure can use the Mediation Committee3. The JBA also publishes a page that explains how structured deposits work and what risks they carry for users4.

Notes

  1. Japanese Bankers Association, "2025 Disclosure on the Foreign Exchange Yen Clearing System" (checked on October 13, 2026), page 1 (summary, the operator and BOJ-NET) and page 2 (the operation is stated as one of the JBA's businesses in its articles of incorporation). ↩

  2. Japanese Bankers Association, "Functions and roles of the JBA" (checked on October 13, 2026), the main text (purpose, membership, planning and operating payment systems, research and policy proposals). ↩

  3. Japanese Bankers Association, "JBA Customer Relations Center" (checked on October 13, 2026), the descriptions of the Center and the Mediation Committee. ↩

  4. Japanese Bankers Association, "Structured deposits" (checked on October 13, 2026). ↩