It will be very difficult to prove the bank's

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ose who are included in the database must retain access to money, banking operations and services, the Central Bank emphasizes. For example, citizens can use their money, receive statements and other information on their accounts. To do this, a person must personally go to a bank branch with a passport or other identification document. "He can go to a bank branch with a passport and, most likely, he will be able to make a bank transfer or withdraw cash from his account through the bank's cash desk. The problem is that such banking operations may involve a commission," reminds O2 Consulting Senior Partner Tatyana Safonova.

guilt in opening an account norway whatsapp resource without the client's consent. "The decisions of arbitration courts on the recovery of damages from banks as a result of opening accounts using forged documents are disappointing. The courts that have ruled on such cases have concluded that opening an account using forged documents in itself does not indicate the bank's guilt," says lawyer Vladislav Usachev.

Not only individuals, but also organizations face the inclusion of legitimate accounts in the Central Bank's list. This was pointed out, in particular, in a letter to the Central Bank by the Association of Russian Banks. According to the association, the regulator's database contained data on dozens of legal trading enterprises, including large retail chains with which banks have acquired agreements. They could have ended up on the blacklist, for example, due to payments to them using lost or stolen payment cards, the owners of which reported transactions without their consent. In response to a request from Forbes, the Central Bank indicated that it is "constantly monitoring the inclusion of information on recipients of funds, including legal entities, in the database." The regulator "has worked with market participants on measures aimed at minimizing the risk of including information on bona fide organizations in the Bank of Russia database; a list of such legal entities has been formed in cooperation with banks." To challenge inclusion in the list, the company's path is similar to that of individuals - submitting an application to their bank or directly to the Central Bank through the regulator's website; the Bank of Russia must consider such appeals within 15 days.