Photo: Oleg Karsaev / “Kommersant”
In the state Duma will introduce a bill that would ban Russian banks to earn on a formal response to the recommendations of the Central Bank to combat money laundering. With the corresponding document reviewed “Kommersant”.
The draft law on combating “discriminatory pricing practices” says that banks have the right to use additional commissions, fees and other remuneration in the guise of the AML / CFT measures. This proposal is directed against the common practice of banks. First, they block accounts of legal entities, and then to transfer funds to another account, take a large Commission.
As stated in the explanatory note, “clearly discriminatory tariffs are” not required by law and in current practice turned into “an independent business function of banks to increase fee and Commission income”.
This position is supported by the interior Ministry, the Treasury and the Federal Antimonopoly service (FAS). Deputy head of Department Andrey Kashevarov 12 December it was noted that the banks now think: “share 10%, and you have the money became clean.”
The Central Bank initiative was supported partially. The regulator believes that the opportunity to cancel the tariff increase is not necessary, but you should allocate the list of operations that cannot be considered money laundering. Including salary, dividends, alimony, pensions, payments based on court decisions and similar grounds.
The proposed bill also calls for the repeal of different fee for transfers from legal persons to natural depending on amount and destination. Currently, as a rule, if the threshold values of the credit institution significantly increase the cost of the translation — average 1.5 percent in the amount of 150 thousand rubles to five million and 10-12 percent for larger funds.
In September, the Ministry of economic development reported that the blocking of accounts in the framework of the “anti-money laundering law” damaged 750 thousand entrepreneurs. With the exception of the “blacklist” they had to pay a fee and wait for about two months, because such decisions were made only with the participation of the Central Bank. In some cases this has led not only to problems but also to bankruptcy of companies. The regulator was accused of this practice, the formal approach of banks to the lock, but the credit of the organization explained their zeal with severe penalties.
Video, photo All from Russia.