The National Financial Market Council (NFMC) has proposed to the Central Bank to introduce a mechanism for freezing funds in recipients' accounts in case of suspected fraud.
The innovation will allow blocking amounts from 10,000 to 50,000 rubles for 24 hours, and larger transfers for 48 hours. If it is established that the transfer was carried out without the client's consent, the money will be returned to the sender. Currently, only the sender's banks can suspend transfers if fraud is suspected.
The head of the NFMC, Andrey Emelin, explained to reporters that the main problem is the lack of time to prevent theft — fraudsters quickly withdraw funds. According to him, it is important that recipient banks also have the ability to block accounts when suspicious transactions are detected.
The new measure may increase the number of returns of stolen funds, according to Advolaw managing partner Anton Pulyaev. At the same time, there are also risks, as bona fide recipients may be at risk of being blocked, especially those who have fallen victim to fraudsters without realizing it.
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