Since March 1, Russians have had the opportunity to set self-bans on loans, with the exception of mortgages, educational loans, and car loans. According to the head of the Central Bank, Elvira Nabiullina, more than 4 million citizens have already taken advantage of this option. From September, a cooling-off period for new loans is also being introduced: from 4 hours for amounts from 50 thousand rubles to 200 thousand rubles, and up to 48 hours for larger loans.
Information security experts warn that fraudsters may adapt to the new conditions, using more sophisticated methods to gain access to personal data. Among the methods are: intensifying phishing attacks and developing more convincing social engineering schemes to force victims to lift the self-ban on the loan.
Deputy Head of the Council for the Development of the Digital Economy, Artem Sheikin, noted that new protection measures, such as self-bans and cooling-off periods, have become an important step in the fight against fraud. He believes that citizens need to be informed about the principles of operation of these tools.
Sheikin also called for educating the public on how to recognize phishing attacks and protect personal data. Financial institutions should constantly improve their security systems and implement modern technologies to protect against cyberattacks.
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