RBC: banks proposed to freeze funds for 48 hours to fight fraud

According to the initiative, banks will be able to block amounts from 10 to 50 thousand rubles for 24 hours, more than 50 thousand for 48 hours. If fraud is confirmed, the funds will have to be returned to the sender. In addition, it is proposed to impose a ban on the closure of the account and withdrawal of funds within 30 days if there is a proposal for a controversial transaction. As explained by the head of the NFSR Andrey Emelin, the main problem in fraud is the lack of time, since attackers immediately withdraw funds. Therefore, the bank accepting the transfer should be able to freeze money if suspicious transactions are detected, as the sender banks do now. The new measure will not contradict the legislation of the Russian Federation, since the Civil Code provides for the execution of payment within three days (72 hours). Earlier it became known that banks sent a letter to the Central Bank with a proposal to introduce punishment for employees who issue loans to customers under the influence of fraudsters.

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