The Bank of Russia proposed to force credit organizations to return the money transferred to fraudsters within a month. For transfers abroad, the term is expected to be two months.
The bank will have to refund the victim the transfer amount in full if he transferred them to the scammer’s account, the information of which was contained in the Central Bank database, writes RIA Novosti.
The Central Bank also proposed to introduce a two-day period during which the sender’s bank “freezes” the transfer in the account, the information of which is contained in the regulator’s database.
Such an initiative is contained in the amendments to the law on the national payment system prepared with the participation of the Central Bank, which intersect with the draft law on information exchange with the Ministry of Internal Affairs, already approved by the State Duma in the first reading.
Experts believe it will increase the security of transfers, but fear that bankers will overestimate the degree of risk and block transactions too often. The downside of the new rules is that the database of scammers, by which bankers must be guided, is updated with a delay of five to seven days, and during this time significant amounts can be withdrawn.
Author:
karina pardaeva
Source: RB
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