Participants in the banking market have criticized the bill on the creation of state systems "Anti-Phishing" and "Anti-Fraud," which is being prepared for the first reading in the State Duma.
The document introduces mandatory rules for identification, call labeling, authentication through the Unified Biometric System (UBS), and a ban on banks communicating with clients in foreign messengers. However, bankers believe that the proposed measures are excessive and their implementation is technically difficult.
The National Financial Market Council (NFMC) has sent proposals to the State Duma to soften the requirements of the bill. Experts believe it is impossible to completely abandon foreign messengers and propose limiting the ban only to legally significant actions (signing contracts, transferring banking secrets). The NFMC also opposes mandatory authentication through the UBS when logging into banking applications, as only 3 million fingerprints are registered in the system, which would effectively block access to online banking for 97% of citizens.
Bankers fear that call labeling in the current version of the law will lead to mass blocking of important notifications, including messages about collections and confirmation codes. They propose limiting labeling only to advertising calls.
The "Financial Innovations" Association doubts that state systems will cope with the load. The association of participants in the electronic money market proposes simplifying the use of biometrics for opening accounts and restoring access, but without mandatory identification through the UBS.
Bankers urge legislators to revise the initiative, making it more realistic and technically feasible.
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