Posted 22 февраля 2022,, 12:09
Published 22 февраля 2022,, 12:09
Modified 24 декабря 2022,, 22:38
Updated 24 декабря 2022,, 22:38
He is sure that this is necessary to stop the activities of financial pyramids and other illegal participants in the financial market that accept payments from Russians to bank cards.
Moreover, during his speech in the State Duma, Isayev emphasized that the tightening of regulation will follow in any case: "there is a huge number of citizens involved in these operations".
To limit transfers in favor of shadow market participants, you can use the mechanism of 115 FZ - the federal law "On countering the legalization (laundering) of proceeds from crime and the financing of terrorism", - Isayev said.
Prior to this, the Bank of Russia issued guidelines that define criteria that allow credit institutions to identify payment instruments of the shadow business. The Central Bank considers it suspicious if accounts and cards have more than ten counterparties-natural persons per day and more than fifty per month, more than 30 non-cash transactions per day, the amount of transactions between individuals exceeds 100 thousand rubles per day or 1 million rubles per month.
Also suspicious to the Central Bank is the absence of payments to legal entities “for life support” (payment for utilities, communication services, other services, goods, works), also if the amount of transactions is significantly less than the amount of the balance (during the week, the average balance of funds in a bank account is the end of the trading day does not exceed 10% of the average daily volume of transactions).
Confuses the Central Bank and a short period of time (one minute or less) between crediting funds and debiting, as well as if within 12 one day operations are carried out to credit and debit funds, or if identification information about the device matches (for example, MAC address, digital fingerprint of the device, etc.), which is used by various individual clients for transfers.
Moreover, in order to get under control, operations must meet two criteria from the list.
Earlier, the Central Bank proposed to tighten the issuance of loans with a floating rate. Today, State Duma deputies were going to consider in the first reading a bill that limits access to this type of lending to certain categories of citizens.