{"id":1416,"date":"2025-04-21T16:44:20","date_gmt":"2025-04-21T16:44:20","guid":{"rendered":"https:\/\/swiftlitigation.com\/?p=1416"},"modified":"2025-05-07T09:10:57","modified_gmt":"2025-05-07T09:10:57","slug":"bank-fraud-towards-a-national-register-of-suspicious-accounts","status":"publish","type":"post","link":"https:\/\/swiftlitigation.com\/en\/bank-fraud-towards-a-national-register-of-suspicious-accounts\/","title":{"rendered":"Bank Fraud: Towards a National Register of Suspicious Accounts?"},"content":{"rendered":"\n<p>On March 31, 2025, the National Assembly passed, in a first reading, a draft law:<br><a class=\"\" href=\"https:\/\/www.assemblee-nationale.fr\/dyn\/17\/textes\/l17t0082_texte-adopte-provisoire.pdf\">https:\/\/www.assemblee-nationale.fr\/dyn\/17\/textes\/l17t0082_texte-adopte-provisoire.pdf<\/a><br>aimed at strengthening the fight against bank fraud. This initiative follows in particular the ruling of the Court of Cassation on January 15, 2025 (23-15.437):<br><a class=\"\" href=\"https:\/\/www.courdecassation.fr\/decision\/6787b9b46ab05acc8d83149d\">https:\/\/www.courdecassation.fr\/decision\/6787b9b46ab05acc8d83149d<\/a>,<br>which reaffirmed that a bank fulfilling a payment using the IBAN provided by the user meets its obligations.<\/p>\n\n\n\n<p><strong>What does this law propose?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The creation of a centralized file of suspicious bank accounts, maintained by payment service providers (PSPs).<\/li>\n\n\n\n<li>An obligation for PSPs to report and update this information, under their sole responsibility.<\/li>\n<\/ul>\n\n\n\n<p><strong>What impact would it have?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The liability of PSPs in cases of fraud would remain unchanged (exemption maintained \u2013 PSD2, Article L133-21 of the French Monetary and Financial Code).<\/li>\n\n\n\n<li>However, a new risk could arise in the event of failure to report fraudulent accounts.<\/li>\n<\/ul>\n\n\n\n<p><strong>An effective system?<\/strong><\/p>\n\n\n\n<p>Should this approach, limited to France, complement the \u201cbeneficiary verification\u201d service that banks will be required to offer their clients under Regulation (EU) 2024\/886:<br><a class=\"\" href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/886\/oj?locale=fr\">https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/886\/oj?locale=fr<\/a><br>which will come into effect on October 9, 2025?<\/p>\n\n\n\n<p>We\u2019ll have to wait and see whether the Senate adopts the proposal and how it will align with European regulations.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On March 31, 2025, the National Assembly passed, in a first reading, a draft law:https:\/\/www.assemblee-nationale.fr\/dyn\/17\/textes\/l17t0082_texte-adopte-provisoire.pdfaimed at strengthening the fight against bank fraud. This initiative follows in particular the ruling of the Court of Cassation on January 15, 2025 (23-15.437):https:\/\/www.courdecassation.fr\/decision\/6787b9b46ab05acc8d83149d,which reaffirmed that a bank fulfilling a payment using the IBAN provided by the user meets its [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[66],"tags":[],"class_list":["post-1416","post","type-post","status-publish","format-standard","hentry","category-article-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank Fraud: Towards a National Register of Suspicious Accounts? - Swift<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swiftlitigation.com\/en\/bank-fraud-towards-a-national-register-of-suspicious-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Fraud: Towards a National Register of Suspicious Accounts? - Swift\" \/>\n<meta property=\"og:description\" content=\"On March 31, 2025, the National Assembly passed, in a first reading, a draft law:https:\/\/www.assemblee-nationale.fr\/dyn\/17\/textes\/l17t0082_texte-adopte-provisoire.pdfaimed at strengthening the fight against bank fraud. 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