Transferring, selling or lending an account means the act of transferring, selling or allowing another person to use an account that has been opened without the financial institution's permission and without changing the name of the account. Such acts are undeniably illegal and in breach of the Act on Prevention of Transfer of Criminal Proceeds「犯罪による収益の移転防止に関する法律」. Both the buyer and seller of an account can be subject to criminal penalties.
There is also a risk that accounts that are transferred, sold or lent can be misused for various crimes, such as bank transfer fraud and money laundering. There have been reported cases of accounts being used for the above-mentioned crimes under the guise of account rental (proxy operation).
Case 1: Offers to buy or sell via the internet or direct mail
The offender offers to buy or sell an account on the internet, including through social networking services, or by direct mail, with offers such as "improve your money situation" or "instant cash", and then trades with the person who contacts the offender. This type of behaviour can lead to the leakage of images of the account and identification documents to third parties, which can lead to unexpected involvement in other crimes.
Case 2: Offering to trade on behalf of a person and misusing the account that was created by the person in question.
The offender recruits people on the internet, including SNS, and at seminars, etc. under the pretext of 'easy and high-income part-time job' or '10% of the investment profit will be kept in your hand', asks those who contact them to create an account, and misuses the created account as a destination for criminal funds such as bank transfer scams.
Conclusion.
Do not accept the transfer, sale or lending of an account, even if you think there is more to a suspicious transaction such as 'easy income'. In each case, the party who has provided the account will not be rewarded, and if the relevant account is misused, the customer himself/herself may be criminally punished as a perpetrator of a crime.
If you think you may have been the victim of such an act, or if you have any knowledge of such an act, please contact your local police station or the Financial Services User Consultation Office (Financial Services Agency) as soon as possible.
<Consultation on problems that appear to be fraud>
Cybercrime consultation desk at the prefectural police headquarters
https://www.npa.go.jp/bureau/cyber/soudan.html
<General consultation services for financial services including crypto assets>
Financial Services Agency, Financial Services Users Consultation Office
https://www.fsa.go.jp/opinion/