Professional Experience and Expertise

Finance and Banking
During three years at the Financial Services Agency (FSA) (April 2022 to March 2025), Takahiro helped supervise financial institutions and fund transfer service providers, first at the Banking Business Division II, Supervision Bureau; and then at the Fintech and Innovation Office, Risk Analysis Division, Strategy Development and Management Bureau. These hands-on experiences have empowered him to offer legal advice dealing with financial regulations and compliance matters from the perspective of the regulating authorities.
Corporate Law / Civil Law
Abundant experience in corporate legal affairs and general civil affairs.
Litigation and Dispute Resolution
Diverse litigation experience across multiple industries (as listed in more detail below)

[Matters handled at the FSA]
■ At Banking Business Division II, Supervision Bureau
・ Responding to inquiries from regional financial institutions (banks, shinkin banks, credit cooperatives) regarding the Banking Act, the Shinkin Bank Act and the supervisory guidelines
・ Developing guidelines for deregulation of investment in GX projects aimed at banks drawing on the National Strategic Special Zones System, as well as monitoring effects of the guidelines
・ Examining regulations and schemes for new businesses of regional financial institutions, including regulations of the issuance of digital money
・ Examining licenses and authorizations to banks under the Banking Act (including licenses for the establishment of a company exclusively engaged in advanced banking services, and authorizations to be obtained by major shareholders of banks)
・ Evaluating and approving exemptions from the Large Exposure Restrictions
・ Responding to industry demands for deregulation
■ At Fintech and Innovation Office, Risk Analysis Division, Strategy Development and Management Bureau
・ Responding to inquiries on the Payment Services Act and many other laws, guidelines and regulations
・ Participating in examinations for registration of funds transfer businesses
■ At Regional Finance Planning Office, Banking Business Division II, Banking Bureau, Supervision Bureau
・ Evaluating proposed legislation concerning cash-flow-based lending system (Enterprise Value Charge)
・ Planning and holding briefing sessions for industries to disseminate cash-flow-based lending system (Enterprise Value Charge)
・ Forming a study group on lending and business revitalization practices utilizing assets of the entire business, as well as summarizing the group’s reports

[Matters Handled at Chuo Sogo]
・ Providing legal consultations and litigation services for banks, insurance companies, credit card companies, credit companies, and securities companies
・ Advising on corporate legal affairs, such as M&A and responses concerning corporate misconduct cases
・ Advising on labor, intellectual property, and bankruptcy laws
・ Managing heavy litigation caseload, including matters involving:
– defects in construction and claim for contract price
– damages for embezzlement by an employee
– real estate-related disputes (including lawsuits for vacating a building, negotiations for an increase in the rent)
– claims to disclose information of senders and claims to remove information on the Internet
・ Handling divorce, distribution of property, and inheritance matters

Professional Career

April 2025:
– Back at Chuo Sogo

April 2022 – March 2025: On loan to FSA.

– Doubling as Assistant Director, Fintech and Innovation Office, Risk Analysis Division, Strategy Development and Management Bureau (March 2024 – March 2025)

– Assistant Manager (in charge of legal affairs), Banking Business Division II, Supervision Bureau (April 2023 – March 2025)

– Fixed-term governmental official; Assistant Director, Regional Finance Planning Office, Banking Business Division II, Supervision Bureau (April 2022 – March 2023)

January 2020:
– Joined Chuo Sogo

December 2019:
– Completed requisite courses at the Supreme Court’s Legal Research and Training Institute (72nd Class) and registered with Dai-ichi Tokyo Bar Association