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“I sent money to my wife, they blocked the card”: what can the law become to protect Russians from scammers

Date: December 3, 2023 Time: 09:59:26

The expert community was skeptical of the bill adopted by the State Duma on the protection of citizens against bank fraud.

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The expert community was skeptical of the bill adopted by the State Duma on the protection of citizens against bank fraud. The document, for example, provides for the right of banks to block money transfers for up to two days if they appear suspicious to the bank. Also, you can block even if the customer makes a payment voluntarily. Well, you never know: scammers deceived a person, and in two days he will come to his senses and say thanks to the bank.

But a reasonable question arises: will this not affect conscientious citizens who send money to each other, and this money is needed right now, and not in two days?

“According to the large number of transactions, now we will have to test and confirm every time that they were made with a clear mind and sober memory, that we are not transferring to scammers, but to decent people,” said Evgeny Kogan, a professor. at the Higher School of Economics, author of the Bitkogan telegram channel. – I wonder how this will slow down the speed of transactions.

So the colleague got caught up in fear.

“I tried to transfer money to my wife, they blocked both cards,” he complained about the so-called anti-money laundering law, which has been in force for several years, according to which banks are obliged to stop the circulation of criminal documents. money acquired. -None of us is a con man, he has not been associated with money laundering. But everyone had to call the bank and for 20 minutes hard to prove that we are not drug dealers. The cards took several hours to unlock. Very frustrating, what’s the deal at the end? And to an acquaintance, when he was abroad, his friends sent a transfer, but based on the anti-money laundering law, his card was blocked and he demanded that he go to the bank and close the account inside out of 7 days…

Many people have come across anti-money laundering laws. Another acquaintance was blocked on a card receiving a big win from abroad for winning an online chess tournament.

– Neither alive nor dead, I come to the security service of the bank, – said a friend. – I thought they were going to hand me over to the Treasury, but they tell me from the door: your taxes don’t bother us, we work on financing terrorism. Like a stone was lifted from my soul. I showed the parts, the profits. “Well done!” They told me at the bank and they unlocked the card. But the day was lost and I had to worry.

Now another law will appear that will force banks to monitor money transfers from citizens.

– Fraudsters will find a way to imitate good sheep, but it seems that you and I will face new headaches, – fears Kogan.


However, the Central Bank believes that the fears are unfounded.

“The Central Bank has a base “On cases and attempts to transfer funds without the consent of the client”, it is called the dropper base,” the Central Bank explained to KP. – All banks send information about detected fraudulent accounts to this database, as a rule, after customer complaints. For banks, access is free; a special automated system (FinCERT of the Bank of Russia) checks whether the recipient’s account is suspicious. All banks are connected to the database and take its content into account in their business processes so that their clients do not transfer money to suspicious accounts. The system is constantly updated.

Fears that bona fide transactions will be blocked are unfounded. If the recipient’s account is not in the dropper database, then it is not a block or freeze. We are only talking about blocking those accounts that are included in this database.

The bank must suspend the operation for 2 days, of course, notifying the client if he tries to transfer money to an account from this database. If the transfer is made to an account that is not in this database, but the bank has suspicions according to its own risk management systems, then it can warn the client about the danger, although it is not required by law to do so . But if the sender still insists on the transfer, then the bank, of course, is obliged to fulfill the client’s order. And don’t wait 2 days, because the 2 day freeze requirement only applies to accounts that are in the dropper database. In this case, even if the client realizes later that he was deceived, there can be no claims against the bank, since the bank warned the client in good faith.


So that citizens can send money to each other safely, no one will block their transfers. But scammers can breathe a sigh of relief. If the account is not included in the database, the bank is not obliged to stop the payment. And if you don’t have to, then you won’t.

And here you have such a completely vital situation. An elderly client transfers 500 thousand rubles to the account of a certain person. The account is not on the dropper list (this doesn’t mean anything, as no professional scammer will use the same account 2 times). A bank employee calls and asks the sender: “Are you doing this voluntarily?” – “Yes, this is a wonderful remedy for all diseases!” In his mind, a bank employee should have reasoned with a person who was being duped and wouldn’t let scammers take advantage of a gullible retiree. But based on the comment of the Central Bank, it turns out that if a bank employee, without critically evaluating this “willfulness”, authorizes the transfer, and it turns out that the old man acted under the influence of deception, then this employee will not bear any responsibility. . And it turns out that the benefits of the new law, as in the well-known saying: “Swing for the ruble, strike for a penny.”

Remember that on Tuesday, the State Duma immediately adopted a law at the second and third reading, which is supposed to protect us from bank fraudsters – all these “bank security officers”, “interrogators” and “investigators” who call to citizens in the hope of cheating and luring a tidy sum. Now banks will have to fully refund the stolen money if they make a transfer to an account that has already appeared in the Bank of Russia database, which contains data on cases and attempts to carry out transactions without the consent of the client.


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Puck Henry
Puck Henry
Puck Henry is an editor for ePrimefeed covering all types of news.

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