Resolution and Collection Corporation (RCC)

Wiki route

This entry sits under financial-regulators INDEX (its domain route). It is not a regulator but a resolution / collection arm — read it against its 100% parent Deposit Insurance Corporation of Japan (DIC) for the institutional parent boundary, against the policy-finance vehicles JBIC and DBJ for peer / contrast (public special-purpose corporations), and against the FSA for the supervisory / banking-license boundary.

TL;DR

The Resolution and Collection Corporation (RCC) is a resolution / collection institution 100%-owned by Deposit Insurance Corporation of Japan (DIC). It is also listed in the FSA’s bank-license list as “Resolution and Collection Corporation,” a special bank-license holder, but it is not an ordinary bank competing for deposits or general lending; rather it is public resolution infrastructure handling the resolution of failed financial institutions, recovery of non-performing loans, and special servicing. It was established in 1999 年 4 月 through the merger of the Housing Loan Administration Corporation and the Resolution and Collection Bank.

1. Legal entity / license boundary

RCC appears in the “bank” category, but it is not a bank competing for retail deposits or corporate lending. The essence of its boundary is that, as a subsidiary of the Deposit Insurance Corporation, it is a dedicated vehicle for resolution and debt collection.

2. Business role

• It carries the lineage of the Housing Loan Administration Corporation, which handled the resolution of the former jusen (housing-loan companies) 7 社, and the Resolution and Collection Bank, which handled the resolution of failed financial institutions.
• Its business is broadly — (1) the purchase and recovery of non-performing loans from failed financial institutions and others, (2) operations related to the capital enhancement of financial institutions and others, (3) the purchase and recovery of specified hard-to-recover claims (including those involving anti-social forces), and (4) bridge-bank operations and so on.
• It is also involved in the rehabilitation of private enterprises, with the aim of fundamentally resolving non-performing loans and minimizing the burden on the public.

3. Why a standalone page matters

Separately from an ordinary bank page, it requires standalone explanation as an analysis node for financial-system stability, deposit insurance, resolution, debt collection, and regional-finance revitalization. For peer policy-finance vehicles see JBIC and DBJ; for the parent see Deposit Insurance Corporation of Japan (DIC); for related context see Regional bank consolidation pattern and banking index.

Related

• Deposit Insurance Corporation of Japan (DIC)
• JBIC
• DBJ
• JFC
• Regional bank consolidation pattern
• financial-regulators INDEX
• FinWiki index

Sources

• FSA, “銀行免許一覧”, ginkou.xlsx.
• RCC, “整理回収機構の概要” (kaisyukikou.co.jp).
• Deposit Insurance Corporation of Japan: 整理回収機構の概要 (100% DIC-owned; 1999-04 merger of 住宅金融債権管理機構 + 整理回収銀行; business scope).

[!info] Verification status confidence: likely. The parent (100%-owned by the Deposit Insurance Corporation), establishment (1999-04 merger), business scope, and listing in the bank-license list have been confirmed against DIC/RCC public information. Because the individual article numbers of statutes such as the “Act on Emergency Measures for the Revitalization of the Financial Functions” vary in notation by version, this text generalizes the legal basis as “the financial-revitalization / deposit-insurance framework” and avoids asserting specific article numbers.