Honda Morihiro
Representative Director and President
The Resolution and Collection Corporation (RCC) assumed its present form as a result of the April 1999 merger between the Housing Loan Administration Corporation, its predecessor established in July 1996, and the Resolution and Collection Bank, full amount of the Deposit Insurance Corporation of Japan (DICJ) under the investment.
Since then, the RCC has strived to minimize the injection of public funds (i.e., the public burden) to resolve failed financial institutions by appropriately and efficiently collecting the claims transferred to the RCC from the former housing loan corporations (Jusen) and the non-performing loans purchased from failed financial institutions. The RCC has also contributed to the disposal of non-performing loans of sound financial institutions by purchasing these non-performing loans and collecting them.
The cumulative total amount collected as of the end of March 2026 reached 10.2128 trillion yen. In addition, profits generated from these recovery operations have been paid to the DICJ as contributions, totaling more than JPY 1.5551 trillion yen by the end of June 2026, thus making a significant contribution to the financing of the national government. In addition, through our business revitalization support services, the RCC has contributed not only to the resolution of non-performing loans but also to the revitalization of regional economies and the maintenance of employment.
In FY2012 the RCC completed the closure of Jusen accounts, and the May 2011 revision of the Deposit Insurance Act assigned the RCC new functions pertaining to the purchase/collection of claims against anti-social forces and other claims which are held by financial institutions and deemed difficult to recover ("specified difficult recovery claims"), as well as bridge bank functions for resolving failed financial institutions.
In March 2014, the RCC began utilizing its servicer functions to purchase claims against anti-social forces and other claims held by credit companies, moneylenders, etc., not covered under the system for purchasing specified difficult recovery claims and to commence the administration and collection of such claims, etc. and has since been contributing to the cut-off of relationships between financial institutions, etc. and anti-social forces and has also been rigorously managing and collecting claims against anti-social forces alongside other specified difficult recovery claims.
As a DICJ partner bank, the RCC is committed to performing these new functions in addition to continuing the claims collections and business revitalization operations it has undertaken, in order to properly and promptly fulfill the public mission entrusted to it, and will continue to the stability of the financial system.
Given that the RCC's debtors consist mostly of blameless parties deprived of their primary trading financial institution by its failure, the RCC intends to ascertain the actual situation of debtors in pursuing its claims collections in order to ensure proper collection efforts. The RCC treats bona fide debtors in a faithful and fair manner from the viewpoint of customer protection, engages in discussions with them, and carefully follows reasonable procedures that give due consideration to maintaining their livelihoods and rebuilding/sustaining their businesses. On the other hand, malicious debtors who deceitfully conceal assets as well as anti-social forces are dealt with severely.
Recognizing that claims collections can often give rise to dissatisfaction and grievances among debtors and related parties, the RCC lends a serious ear to all opinions and endeavor to perform its functions with honesty and fairness.
This website was fully renewed in July 2026, the 30th anniversary of the RCC's establishment, with the aim of helping visitors better understand our public role, our approach to our business operations, and the actual activities we carry out. Your understanding and support would be very much appreciated.