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The central bank intends to change the grounds for blocking accounts
The Bank of Russia plans to adjust position 375-P, which relates to signs of doubtful transactions. Now it contains more than 100 positions that allow the bank to suspend or refuse to conduct transactions, and in extreme cases even terminate the contract with the client.
As the RBC citing a representative of the Central Bank, the list of criteria for suspicious transactions has not been updated since 2012. Now the regulator, together with Rosfinmonitoring, wants to make amendments to eliminate outdated signs of dubious operations and add new ones, taking into account the development of the financial market and the digitalization of banking services technology.
They want to add regular cash withdrawal operations to individuals in the list if money is transferred to the account from a legal entity or an individual entrepreneur, as well as remote operations made from one device or from one group of IP addresses on accounts of different companies. Exclude from the list of suspicious transactions offer operations with high commissions and various types of complex settlements on non-standard schemes.
While the document is undergoing regulatory impact assessment. At the same time, the Central Bank notes that the new list is not exhaustive - credit organizations will be able to supplement it with their own criteria.