After the Pacific War ended, various quarters demanded to make it possible to handle checking accounts even in Mujin companies for war-damage reconstruction, but in those days the GHQ regarded Mujin as gambling and was against it, therefore, while making it possible to do business at a banking level at that time, the government planned a financial institution system where it would be possible to handle Mujin and set up a Mujin company level in the system to supervise, and thereby the Mutual Loan and Savings Bank Act was established in 1951 and all companies except Nihon Jutaku Mujin K.K. shifted to the mutual banking system.
太平洋戦争終結後、戦災復興のために各方面より無尽会社でも当座預金の取扱を可能としようとする要請が為されるようになったものの、連合国軍最高司令官総司令部は当時、無尽を賭博的でギャンブルの一つであると見ており、これに難色を示したため、政府は当時の銀行並の業務を可能としつつも、無尽の取扱が可能で制度・監督上は無尽会社程度で設立可能な金融機関制度を企画、1951年に相互銀行法が成立し、日本住宅無尽株式会社を除く全社が相互銀行へ転換した。