This law aims at establishing comprehensive and cross-sectional rules for user protection and to develop an environment where users can invest with confidence, thus responding to changes surrounding the financial and capital markets. Under the law, firms dealing with financial instruments are required to comply with the following rules of conduct (rules for sales and solicitation), which also apply to some insurance products: regulation on advertisements, obligation to deliver documents in a written format before/at the time of making a contract, various examples of prohibited conduct such as delivery of false information, prohibition of loss compensation, etc.