The Bank of Russia has tightened the procedure for exclusion from the database of fraudulent operations. As of May 2, simply submitting an application is no longer enough – banks are now required to additionally verify such requests through the client themselves.
How it works: if a person requests to delete a record, the Central Bank sends a request to the bank. The bank must contact the client and directly clarify whether they consider the operation fraudulent. Only after this does the bank respond to the regulator, and a decision is made based on that response.
In essence, this is protection against "back-pedaling," when dubious operations are attempted to be removed from the database ex post facto.
In parallel, another rule is in effect: since the beginning of the year, banks can block the crediting of funds if there are signs of a fraudulent transfer – based on Central Bank data.
The application submission procedure has also been clarified. If the appeal is made through a representative, it must be submitted through the client's bank. And when submitting through the Central Bank's website, it is now possible to specify the details of an invalid passport – this helps the system correctly identify the person, for example, after a document change.
As a result, the regulator is making the system stricter: fewer formal applications – more real verification and client contact.
