When the Banking Act was entirely revised in 1981, it became possible to handle mutual premiums in ordinary banks called 'regular deposits and others,' but each base law of long-term credit banks, credit unions, credit associations, agricultural cooperative associations, fishery cooperative associations, and labor credit associations established based upon the law, rather than the Banking Act, was not revised, therefore, now only the ordinary banks can manage it because the Mutual Loan and Savings Bank Act was abolished.
1981年に銀行法が全部改正された際に、「定期積金等」という定義によって、相互掛金は普通銀行での取扱も可能にはなったものの、銀行法以外の法律に基づいて設立された長期信用銀行、信用金庫、信用組合、農業協同組合、漁業協同組合、労働金庫の各根拠法は改正されなかったため、相互銀行法が廃止された現在では、普通銀行のみが取扱えるものとなっている。