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MOSCOW, July 25 Banks in the Russian Federation must now check all money transfers from individuals and suspend suspicious transfers for two days, as well as reimburse the client within 30 calendar days amount transferred without his consent to the accounts of criminals located in the database of the Central Bank of the Russian Federation, the corresponding changes to the law on the national payment system come into force on July 25.
Also from this day, the Central Bank’s order will come into effect, increasing the number of signs of fraudulent transactions that banks must follow to prevent such transfers from three to six. 
< br />If the bank identifies a transaction that corresponds to at least one of these signs, it must suspend the transfer of money for two days or refuse the client to carry out a transaction using payment cards, electronic money transfers or transfers using the fast payment service (FSP).
At the same time, according to the law, the bank must immediately notify the client about the suspension of the operation, give recommendations on how to reduce the risks of re-executing such a transfer, as well as the possibility of confirming the transfer “no later than one day following the day of suspension,” or making a repeat operation for the same details and amount.
If, after a two-day cooling period, the client confirms the order or makes a repeated operation to transfer money to the same details and the same amount, then the bank is obliged to immediately “accept for execution the confirmed order of the client or perform a repeated operation” in the absence of other restrictions established by law. 
As the Central Bank explained earlier, «if after two days the client nevertheless decides to make a transfer to the same suspicious account, the bank is obliged to immediately execute such an order and will not bear financial liability for this.»
At the same time, if the bank, in violation of the requirements established by law, transfers funds to an account that is contained in the Central Bank's database of cases and attempts to transfer funds without the voluntary consent of the client, and that meets the signs of fraudulent transactions, it will be obliged to reimburse these funds in full «within 30 days following the day of receipt of the corresponding application from the individual client,» according to the law.
In addition, the law obliges banks to disable remote servicing of a fraudster if there is information from the Ministry of Internal Affairs about illegal actions committed by him.