(2005), the goal of which is the “severance of relationships with anti-social forces”, representing efforts to observe laws and ordinances related to the prevention of money laundering and to eliminate transactions made by Boryokudan and other anti-social forces.

On the issue of countermeasures against money laundering, the Association has compiled and distributed a guidebook titled “Preventing Financial Crimes and Issues at the Teller’s Window” in order to provide tellers with correct knowledge concerning the Act. The guidebook is designed as a study material for a seminar on how to verify customer identity and report suspicious transactions.

In addition, as an effort to eliminate relationships with anti-social forces, the Association has concluded various agreements incorporating examples of exclusionary clauses on the Boryokudan in such clauses as those on financial trading and deposit transactions. Cooperative financial institutions took up an independent initiative in 2012 to partially revise their Articles of Incorporation to eliminate any anti-social activity from capital contributing members. All Shinkin Banks have completed such revisions by now.

## 3 Credit Cooperatives

In Japan, all credit cooperatives are members of the National Central Society of Credit Cooperatives (NCSCC). To ensure that countermeasures against money laundering, etc., are implemented, NCSCC compiles and gives examples of how to verify customer identity and of procedures concerning suspicious transaction reports, and also provides the members such information by holding briefing sessions and training sessions. Furthermore, NCSCC compiles posters and leaflets – which are available from the NCSCC website to inform members about the customer due diligence procedure, distributing these to member cooperatives. Besides, regarding the handling of antisocial forces, NCSCC communicated to members reference examples of exclusionary clauses that may be included in various agreements concerning loans and deposit transactions and examples of incorporation to which a provision for excluding antisocial forces from among members was added. Since January 2014, it has also been given access to the Japanese Bankers Association's database concerning antisocial forces and has communicated information to members, thereby helping them develop their readiness to exclude antisocial forces from among members. NCSCC also takes thorough steps against money laundering and terrorist financing and on information sharing within the credit cooperative industry, for example by informing members of parties subject to asset freezing as part of countermeasures against terrorist financing.

## 4 Agricultural Cooperatives and Fishery Cooperatives

Regarding the prevention of money laundering, agricultural cooperatives and fishery cooperatives have developed administrative procedures related to the implementation of verification at the time of transactions, suspicious transaction reporting, etc. based on the Act on Prevention of Transfer of Criminal Proceeds and are holding briefing sessions and training sessions for staff members. In addition, they create and post posters intended to raise members' and users' awareness about the procedures for verification at the time of transactions. Moreover, regarding measures to eliminate transactions with antisocial forces, the coopera-