Major banks have proposed easing restrictions for people suspected of fraud or transferring cards to criminals. The National Financial Market Council sent the initiatives to the Ministry of Digital Development, the Ministry of Finance, and the Bank of Russia as part of the discussion of the "Anti-Fraud 3.0" bill.

Currently, not only real droppers but also bona fide account holders can fall under restrictions. For example, if a person transferred details unknowingly, acted under pressure from fraudsters, or their operation formally coincided with signs of suspicion.

Banks propose applying a risk-oriented approach and allowing individual account operations depending on the risk level. One idea is to give the client the opportunity to confirm that they are withdrawing cash voluntarily and are not following the instructions of attackers.

In total, the NSFR has prepared five initiatives. Their goal is to maintain protection against theft, but to reduce the number of cases where ordinary users are left without access to money due to existing anti-fraud measures.