Translartion. Region: Russians Fedetion –
Sours: Mainfin Bank –
Why is the Central Bank of the Russian Federation easing restrictions on suspicious individuals?
Federal Law No. 161 regulates the procedure for blocking accounts of clients whose data is contained in a unified database of information on cases of transactions carried out without consent. Also bank has the right to suspend service if information about fraud came from law enforcement agencies. However, tough measures affected not only real criminals – the accounts of legitimate citizens whose data were stolen and used to issue, for example, virtual kart.
The easing of restrictions is aimed specifically at protecting honest clients who themselves suffered at the hands of fraudsters. Such persons will be able to use bank cards during the inspections, including transfers, but with a maximum amount limit. The sanctions will be completely lifted only after the information is removed from the Central Bank database.
How will banks respond to suspicious transactions?
The amendments currently being considered by the State Duma introduce a gradation of measures against suspicious citizens. It is assumed that after the bill is adopted:
a complete blocking of banking services will be carried out only for clients included in the Central Bank of the Russian Federation database in the presence of an open criminal case; partial restrictions (transfer limit of 100 thousand rubles per month) will be allowed to be set by banks for persons included in the fraudsters database, but who were not subsequently involved in dubious schemes; clients from the “green zone” who were not included in the database or subject to measures of influence by the law enforcement system will be able to be served without restrictions.
“Partial restrictions will be used when the amount of information received is insufficient, for example, when there are doubts that the client was involved in fraudulent schemes,” the lawyer notes.
Experts are confident that the relaxations will not affect obvious drops – intermediaries in the activities of fraudsters will continue to be effectively blocked. The choice of restrictive measures will fall on the bank – credit institutions will be able to independently introduce bans and blocking depending on the nature of suspicions.
09:55 02/18/2025
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