The Central Bank and the Ministry of Internal Affairs will unite in the fight against cybercrime

Russian President Vladimir Putin signed a law according to which the Central Bank and the Ministry of Internal Affairs must exchange information about money transfers that have signs of fraud. Will the innovation help the fight against cybercriminals? Lawyer Timur Hardy shared his opinion on this matter with Moskovskaya Pravda.

Now, when considering cases related to the illegal withdrawal of funds from citizens’ bank accounts, a lot of time is spent on various requests and mutual correspondence between law enforcement agencies and financial organizations.

In a law passed by the President, which published on the official Internet portal of legal information, the conditions for automated data exchange between departments are stipulated, which should increase the efficiency and speed of investigating cases related to fraud in money transfers from bank cards of Russians.

“The law provides for the connection of the Ministry of Internal Affairs to the automated FinCERT system of the Bank of Russia, which contains information about transactions carried out without the consent of customers. Thanks to this, law enforcement agencies will be able to receive information about fraudulent transactions, including the recipients of stolen money, almost online. The exchange of data will take place in compliance with all norms of bank secrecy,” the press service of the Central Bank told about the mechanism of interaction with the Ministry of Internal Affairs.

It is specified that the Ministry of Internal Affairs of Russia, in turn, will transfer information about illegal money transfers to the database of the Center for Monitoring and Response to Computer Attacks in the Credit and Financial Sphere of the Bank of Russia (FinCERT). Accordingly, banks will be able to take this data into account to prevent fraudulent transfers.

True, the entry into force of the law will have to wait another year. The Central Bank and the Interior Ministry will devote this time to settling all formal issues and debugging electronic communication.

Meanwhile, the need for the adoption of such a law is long overdue, says lawyer Timur Hardy, who has been approached more than once by citizens who have suffered from the actions of fraudsters.

– Fraud with deposits and bank cards of Russians is very widespread and causes great damage to people. But the lack of developed interaction between banks and law enforcement agencies often hinders both the disclosure of such crimes and the prevention of crime in this area, the lawyer notes.

In his opinion, the regular exchange of information between the Bank of Russia and the Ministry of Internal Affairs about recorded fraudulent activities related to bank transfers will allow to quickly get on the trail of criminals, prevent the commission of new crimes, as well as prosecute fraudsters and compensate for damage to victims.

– The operational and investigative units of law enforcement agencies should be able to receive information from banks as quickly as possible about persons making transfers and receiving citizens’ money on their accounts or cards. This will increase the detection of crimes “in hot pursuit,” Timur Hardy is sure.

However, the expert believes that the main task of both the Central Bank and the Ministry of Internal Affairs in the fight against such types of crimes is to increase the financial literacy and vigilance of the citizens themselves. Moreover, the law adopted by the president applies only to fraudulent acts committed without the consent of the victim of the actions of criminals.

That is, in cases where a person himself gives fraudsters access to his bank account or, misled, transfers money to their account, this law does not apply.

“As long as the Russians themselves trust their phone numbers to scammers, transfer money to their accounts, believing in the most fantastic stories, do not check the callers, fraud with cards and deposits of citizens will continue,” notes Timur Hardy. – But in terms of preventive work, cooperation between banks and the police is necessary: ​​only by joint efforts can we work to improve the legal and financial literacy of bank depositors and cardholders.

According to the lawyer, banks should also be able to block transactions and return funds to the sender in case of a prompt signal of fraudulent actions on the part of the victim. Similar amendments The Central Bank plans to introduce into the law on the national payment system, but whether they will be adopted is still unknown.

Alena Bodrienko.

Moskovskaya Pravda collage