The lawyer named a way to protect yourself from fraudulent transfers

Anton Palyulin, a lecturer at the Department of Fundamental Legal and Socio-Humanitarian Disciplines at Synergy University, told how to protect yourself from fraudulent transfers.

In conversation with the agency RuNews24.Ru On Monday, December 15, the expert warned that self-repayment of money to an unknown person at his request could be regarded as complicity in money laundering, fraud, or even terrorist financing. According to him, the only safe option is to immediately inform the bank about the transfer and not perform any operations until the origin of the funds is clarified.

He clarified that some banks have already implemented the function of refunding suspicious transfers — such money is returned as mistakenly credited for a limited period. At the same time, the expert noted that if the funds have already been transferred back to the specified details, the attackers may begin to blackmail and incite further illegal actions.

The expert added that even in such a situation, it is important to immediately contact law enforcement agencies, since the absence of intent and assistance in the investigation can release a person from responsibility.

He also pointed out gaps in legislation: banks are responsible for overseeing operations, but bona fide citizens remain virtually unprotected. In this regard, the expert expressed the opinion that criminal liability should be applied only after administrative punishment, by analogy with a number of other offenses.

Underpayment of the criminal: the damage from the actions of the droppers fell by almost 20%

What else helped, besides criminalizing the provision of cards to fraudsters

On December 12, Arkady Svistunov, Deputy Chairman of the State Duma Committee on the Financial Market, said that from September 1, 2026, Rosfinmonitoring will be able to promptly receive data on transfers through the Rapid payment System (SBP) and on Mir cards. According to him, data exchange currently takes several days, which gives fraudsters the opportunity to quickly transfer money through the system. 360.ru . Speeding up the receipt of information will help to deal more effectively with droppers and their organizers.

On December 11, expert Veronika Polyakova warned about the risks of transfers to sellers' personal cards. According to her, a bank statement for such an operation may raise questions from law enforcement agencies.She stressed that the buyer does not control the fate of the transferred funds, and during verification, the cardholder may have questions, especially if it concerns the financing of prohibited activities. The lack of checks and documents only complicates the situation — often there is only an entry in the banking application.

On December 10, lawyer Valery Panasyuk, in an interview with RIAMO, said that now a lot of new cyberbullying schemes are appearing in connection with the development of artificial intelligence. He added that the most common scheme, the scourge of our time, is a call that the account is under threat. AI is able to help cybercriminals create believable voices and images of people, as well as analyze data inaccessible to an ordinary person.

In November, the Ministry of Internal Affairs of the Russian Federation reported that fraudsters began sending fake receipts to Russians. The attackers contact the victims and inform them that a gift has been issued for them, after which they send the order number and the receipt. The scammers then ask to register with the bank, after which, posing as law enforcement officers, they intimidate the victim with false accusations of transferring funds to a prohibited organization. This is how scammers get information about a person's savings, property, and family, NSN notes.

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