Purchase / Collection of Anti-Social Forces

Specified Difficult Recovery Claims

Under the system for purchasing specified difficult recovery claims, the RCC purchases claims against anti-social forces at the request of the DICJ in accordance with the Deposit Insurance Act.
The specified difficult recovery claims to be purchased are described in the Deposit Insurance Act as loan claims held by financial institutions under exceptional conditions that could or do make it impractical for the financial institutions to take measures normally taken for the collection of claims. Below are two examples of such circumstances:

Attribute requirement：The debtor/guarantor is a member of anti-social forces and it is deemed likely that the debtor/guarantor will not abide by the terms of the agreement concerning the claim in question

Behavioral requirement：Actions are likely to be taken to impede participation in the auctioning of real estate serving as collateral for the claim in question

Specifically, such claims include:

  1. claims in which the obligor, etc. is a member of an organized crime group; and
  2. claims in which, even if the obligor, etc. is not a member of an organized crime group, there is a risk of obstruction to collection due to acts such as interference with auction proceedings, violent demands, or threatening behavior.

These refer to claims that are difficult for private financial institutions to manage and collect. With respect to such claims, we utilize the expertise we have accumulated to date and, in cooperation and coordination with the Deposit Insurance Corporation of Japan and the police, carry out appropriate management and collection.

Charts and diagrams regarding the purchase and collection of specific difficult-to-collect debts

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