The Ministry of Digital Development of the Russian Federation has… (банк · оператор · мошенник)
The Ministry of Digital Development of the Russian Federation has developed a procedure for individuals to receive compensation from banks or telecommunications operators in cases where they have become victims of phone fraud and transferred money to criminals, while the bank or operator failed to comply with legislative requirements and thus did not prevent the transfer of funds.
Consensus
- The mechanism for compensating victims of telephone fraud is being developed by Minsvyaz RF.
- Compensation can be claimed if a bank or mobile operator failed to prevent a fraudulent transfer.
- Victims must submit an application to their bank stating that the transfer was made under duress from fraudsters.
- If the bank confirms it could have stopped the transaction, it is responsible for compensation; otherwise, it refers the case to the mobile operator.
- The mobile operator must verify whether it failed to detect or block a known fraudulent number.
- Compensation will be paid within 30 days if funds remain in Russia, and within 60 days for cross-border transfers.
- A decision can be appealed if the victim disagrees with the outcome.
- Public consultation on the draft regulation is ongoing until July 29.
- The measure is part of a second package of anti-cybercrime initiatives introduced after the 2025 law against cyberfraud.
Points of divergence
- Experts believe it will be very difficult in practice to obtain compensation, due to lack of incentive for banks and operators to pay out, and potential abuse through fake claims. — vm
- One expert warns that if even one case results in a payout, others may intentionally lose money to claim refunds from operators or banks. — vm
- The Federal Service for Consumer Rights Protection is an effective authority for filing complaints about refusal of compensation. — vesti
- Experts suggest that independent bodies like Rosconsumnadzor or police should conduct investigations, and courts may face bias if relying on expert testimony from banks with vested interests. — vm
Coverage (5 sources)
- Russians told when they will be compensated for losses from fraudsters — Вести
- How to get compensation if money was stolen by scammers: instructions for 2027 and chances of recovery — Вечерняя Москва
- Ministry of Digital Development Defines Rules for Compensating Victims of Fraudsters — Коммерсантъ
- Ministry of Digital Development Explains How Banks Can Compensate Victims of Fraud — Вести
- Russia introduces procedure for victims of phone fraud to receive compensation — Интерфакс