INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of June 17, 2025 No. 7081-U

About procedure for representation by credit institutions, branches of foreign banks through which foreign banks perform activities in the territory of the Russian Federation, in authorized body of data and information according to Articles 7, 7.5 and 7.11 Federal Laws of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing"

This Instruction based on the paragraph of the seventh of part one of Article 3, subitems 6 and 7 of Item 1, Item 7, the paragraph of the fourth Item 10, the paragraph of the fourth Item 10. 1, Items 13 and 13.1 of Article 7, paragraph one of Item 2, Item 3 and paragraph two of Item 5 of Article 7. 5, subitems 6 and 7 of Item 2, of Item 6 of article 7.11 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing", Item 41 of Article 3, of Items 2 and 4 of part 1 of article 11 of the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" establishes procedure for representation by credit institutions, including being participants of platform of digital ruble, branches of foreign banks through which foreign banks perform activities in the territory of the Russian Federation, including the being participants of platform of digital ruble, in the federal executive body taking measures for counteraction of legalization (washing) of income gained in the criminal way, to financing of terrorism, extremist activities and financing of distribution of weapons of mass destruction data and information according to Articles 7, 7.5 and 7.11 Federal Laws of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing".

1. The credit institution, branch of foreign bank through which the foreign bank performs activities in the territory of the Russian Federation (further - branch of foreign bank) shall create the electronic document in the form of the formalized electronic message (further - FES) according to formats, the description of structure, details, measures of protection and procedure for forming of information provided by the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way, and to terrorism financing" (further - the Federal Law No. 115-FZ), determined based on Item 7.1 of article 7 of the Federal Law No. 115-FZ by the Central bank of the Russian Federation in coordination with the federal executive body taking measures for counteraction of legalization (washing) of income gained in the criminal way, to terrorism financing to extremist activities and financing of distribution of weapons of mass destruction (further respectively - authorized body, formats, the description of structure, details, measures of protection and procedure for forming of information).

2. FES created by credit institution, branch of foreign bank shall contain one of the following types of data and information:

about the transactions with money or other property which are subject according to Article 6 and (or) Articles 7. 4, 7.5 Federal Laws No. 115-FZ to mandatory control;

about one-time transaction or set of transactions with money or other property and (or) the actions of the client connected with making of any transactions with money or other property, his representative within customer service concerning which employees of credit institution, branch of foreign bank based on implementation of the rules of internal control specified in Item 2 of article 7 of the Federal Law No. 115-FZ (further - PVK) have suspicions that data of transaction with money or other property and (or) actions are performed for the purpose of legalization (washing) of income gained in the criminal way or terrorism financing, including information on the beneficial owner which is available for credit institution, branch of foreign bank;

about the taken measures for freezing (blocking) of money or other property of the organization or physical person according to the subitem 6 of Item 1 of Article 7, Item 2 of article 7.5 of the Federal Law No. 115-FZ;

about results of verification of presence among the clients of the organizations and physical persons to whom are applied or shall be applied the measure for freezing (blocking) of money or other property performed according to the subitem 7 of Item 1 of article 7 of the Federal Law No. 115-FZ, about results of verification of presence among the clients of the organizations and physical persons included in constituted within realization of the powers provided by Chapter VII of the Charter of the UN <1>, the UN Security Council or bodies which are specially created by decisions of the UN Security Council, lists of the organizations and physical persons connected with the terrorist organizations and terrorists or with distribution of weapons of mass destruction, article 7.5 of the Federal Law No. 115-FZ performed according to Item 3 (further in case of joint mentioning - information on results of check);

--------------------------------

<1> Articles of organization of the United Nations of June 26, 1945. (The collection of the current agreements, agreements and conventions signed by the USSR with foreign states, the issue XII - M., 1956, of page 14 - 47), is ratified by the Decree of Presidium of the Supreme Council of the USSR of August 20, 1945. "About ratification of Articles of organization of the United Nations" (The collection of the laws of the USSR and Decrees of Presidium of the Supreme Council of the USSR, 1938 - 1975, t. 2, page 237).

about the hindrance facts from the state (territory) in which (on which) branches and representations, and also the affiliated organizations of credit institution, realization by such branches, representations and the affiliated organizations of the Federal Law No. 115-FZ or its separate provisions are located;

about the transactions with money or other property suspended according to Item 10 of Article 7, Item 5 of article 7.5 of the Federal Law No. 115-FZ;

about the transactions with money or other property suspended according to Item 10.1 of article 7 of the Federal Law No. 115-FZ;

about refusal in making of transaction with money or other property on the basis specified in Item 11 of article 7 of the Federal Law No. 115-FZ (further - refusal in making of transaction with money or other property);

about elimination of the Federal Law No. 115-FZ of the basis specified in Item 11 of Article 7 according to which the credit institution, branch of foreign bank made the decision on refusal in making of transaction with money or other property earlier including in connection with the made decision of the interdepartmental commission created under the Bank of Russia according to Item 13.5 of article 7 of the Federal Law No. 115-FZ (further - the interdepartmental commission), about lack of the basis according to which the credit institution, branch of foreign bank made the decision on refusal in making of transaction with money or other property earlier;

about cancellation by court earlier accepted by credit institution, branch of foreign bank of the decision on refusal in making of transaction with money or other property;

about refusal of the conclusion of bank account agreement (contribution) and (or) about agreement cancelation of the bank account (contribution) with the client at the initiative of credit institution, branch of foreign bank on the bases specified in Item 5.2 of article 7 of the Federal Law No. 115-FZ;

about elimination of the basis specified in the paragraph the second Item 5.2 of article 7 of the Federal Law No. 115-FZ according to which the credit institution, branch of foreign bank made the decision on refusal of the conclusion of bank account agreement (contribution) earlier, including in connection with the made decision of the interdepartmental commission on lack of the basis according to which the credit institution, branch of foreign bank made the decision on refusal of the conclusion of bank account agreement (contribution) earlier;

about lack of the bases for agreement cancelation of the bank account (contribution) if the bank account agreement (contribution) was terminated by credit institution, the branch of foreign bank according to the paragraph third Item 5.2 of article 7 of the Federal Law No. 115-FZ in connection with the decision on refusal in making of transaction with money or other property concerning which the basis of its acceptance was eliminated afterwards, or the interdepartmental commission makes the decision on lack of the basis according to which the credit institution, branch of foreign bank made the decision on refusal in making of transaction with money or other property earlier, or the court made the decision on cancellation earlier accepted by credit institution, branch of foreign bank of the decision on refusal in making of transaction with money or other property;

about the cases of cancellation by court which are earlier accepted by credit institution, branch of foreign bank of the decision on refusal of the conclusion of bank account agreement (contribution) and (or) the decision on agreement cancelation of the bank account (contribution) with the client at the initiative of credit institution, branch of foreign bank on the bases specified in paragraphs second and third Item 5.2 of article 7 of the Federal Law No. 115-FZ.

3. FES created by credit institution, branch of foreign bank, being participants of platform of digital ruble shall contain one of the following types of data and information:

about transactions with digital rubles of the user of platform of digital ruble, subjects according to Article 6 and (or) Articles 7. 4, 7.5 Federal Laws No. 115-FZ to mandatory control;

about one-time transaction with digital rubles or sets of transactions with digital rubles and (or) the actions of the user of platform of digital ruble connected with making of any transactions with digital rubles, his representative within the digital ruble of access to platform of digital ruble provided to such user of platform concerning which the employees of credit institution, branch of foreign bank who are participants of platform of digital ruble based on realization of PVK have suspicions that data of transaction with digital rubles and (or) actions are performed for the purpose of legalization (washing) of income gained in the criminal way or terrorism financing, including available for credit institution, branch of foreign bank being participants of platform of digital ruble, information on the beneficial owner;

about the taken measures for freezing (blocking) of money or other property of the organization or physical person according to the subitem 7 of Item 2 of article 7.11 of the Federal Law No. 115-FZ;

about suspension of the direction on platform of digital ruble of the order of the user of platform of digital ruble for the purpose of making of transaction with digital rubles and (or) statements for money transfer of the user of platform of digital ruble or its representative on paper (further - the order and (or) the statement) according to Item 10 of Article 7, Item 5 of article 7.5 of the Federal Law No. 115-FZ;

about suspension of the direction on platform of digital ruble of the order and (or) statement according to Item 10.1 of article 7 of the Federal Law No. 115-FZ;

about refusal in the direction on platform of digital ruble of the order and (or) statement (further - refusal in the direction of the order and (or) the statement) on the basis specified in Item 11 of article 7 of the Federal Law No. 115-FZ;

about execution by the operator of platform of digital ruble of the obligation provided by paragraphs the first - third the subitem 10 of Item 1 of article 7.9 of the Federal Law No. 115-FZ;

about elimination of the Federal Law No. 115-FZ of the basis specified in Item 11 of Article 7 according to which the credit institution, branch of foreign bank, being participants of platform of digital ruble, made the decision on refusal in the direction of the order and (or) statements earlier, including in connection with the made decision of the interdepartmental commission, on lack of the basis according to which the credit institution, branch of foreign bank, being participants of platform of digital ruble, made the decision on refusal in the direction of the order and (or) statements earlier;

about cancellation by court earlier accepted by credit institution, branch of foreign bank, being participants of platform of digital ruble, the decision on refusal in the direction of the order and (or) the statement.

4. The credit institution, branch of foreign bank shall send to FES to authorized body in the terms established by articles 7, of 7.5, 7.11 Federal Law No. 115-FZ.

The credit institution, branch of foreign bank shall send FES containing information on results of check to authorized body no later than 3 working days after day of the end of carrying out each of 2 presents of the Instruction of checks specified Item in paragraph five.

The credit institution shall direct FES containing information specified Item in paragraph six 2 presents of the Instruction within 5 working days following behind day of identification of the corresponding facts.

5. If the credit institution delegated the powers on forming and submission to the FES authorized body (except for FES containing information on results of check) to the branch having the bank identification code assigned according to appendix 5 to the Provision of the Bank of Russia of September 24, 2020 for No. 732-P "About payment system of the Bank of Russia" <2> (further - branch of credit institution), and information on delegation of the specified powers is brought by credit institution to the attention of authorized body, forming and transfer of FES shall be performed by branch of credit institution.

--------------------------------

<2> It is registered by the Ministry of Justice of the Russian Federation on November 10, 2020, registration No. 60810, with the changes made by Instructions of the Bank of Russia of March 25, 2021 No. 5756-U (it is registered by the Ministry of Justice of the Russian Federation on May 26, 2021, registration No. 63632), of December 23, 2021 No. 6030-U (it is registered by the Ministry of Justice of the Russian Federation on March 14, 2022, registration No. 67709), of April 4, 2022 No. 6115-U (it is registered by the Ministry of Justice of the Russian Federation on April 6, 2022, registration No. 68096), of January 12, 2023 No. 6358-U (it is registered by the Ministry of Justice of the Russian Federation on March 6, 2023, registration No. 72532), of January 9, 2024 No. 6656-U (it is registered by the Ministry of Justice of the Russian Federation on March 15, 2024, registration No. 77512), of June 17, 2024 No. 6753-U (it is registered by the Ministry of Justice of the Russian Federation on July 18, 2024, registration No. 78863), of December 9, 2024 No. 6957-U (it is registered by the Ministry of Justice of the Russian Federation on January 20, 2025, registration No. 80970).

Submission to the FES authorized body, containing information on results of check, shall be performed only by credit institution, branch of foreign bank.

6. In case of submission to authorized body of the data and information provided by paragraphs the second, the fourth, seventh and eighth Item 2 presents of the Instruction, credit institution (branch of credit institution), branch of foreign bank shall create and direct separate FES on each of the listed types of data and information with indication of in the name FES to submission of the data requiring special attention of authorized body.

In case of submission to authorized body of the data and information provided by paragraphs the second, the fourth, fifth and sixth Item 3 presents of the Instruction the credit institution, branch of foreign bank, being participants of platform of digital ruble, branch of credit institution shall create and direct separate FES on each of the listed types of data and information with indication of in the name FES about submission of the data requiring special attention of authorized body.

7. The credit institution (branch of credit institution), branch of foreign bank send to FES to authorized body by use of the personal account which is the information resource posted on the official site of authorized body on the Internet (further respectively - the Internet network, personal account), access to which is provided to credit institution (branch of credit institution), branch of foreign bank by means of passing of the procedure of authorization according to Item 7 of the Procedure for access to personal account and its use approved by the order of Rosfinmonitoring of July 20, 2020 No. 175 <3>.

--------------------------------

<3> registration No. 59707, with the changes made by orders of Rosfinmonitoring of November 9, 2021 No. 244 Is registered by the Ministry of Justice of the Russian Federation on September 8, 2020 (registration No. 66251) is registered by the Ministry of Justice of the Russian Federation on December 9, 2021, of August 29, 2022 No. 183 (registration No. 70294) is registered by the Ministry of Justice of the Russian Federation on September 29, 2022, of April 29, 2025 No. 82 (registration No. 82313) is registered by the Ministry of Justice of the Russian Federation on May 23, 2025.

8. The credit institution (branch of credit institution), branch of foreign bank accept from authorized body the documents containing confirmation of authorized body about acceptance of FES (further - the receipt on acceptance of FES), or the documents containing confirmation of authorized body about rejection of FES (further - the receipt on rejection of FES) placed by authorized body in personal account.

9. In case of obtaining by credit institution (branch of credit institution), branch of foreign bank from authorized body of the receipt on rejection of FES the credit institution (branch of credit institution), branch of foreign bank shall remove the cause for which FES was not accepted, to create new FES and no later than the working day following behind day of receipt of the specified receipt, to send to FES to authorized body according to this Instruction.

10. In case of non receipt by credit institution (branch of credit institution), branch of foreign bank from authorized body of the receipt on acceptance of FES or the receipt on rejection of FES after 5 working days after day of the FES direction in authorized body the credit institution (branch of credit institution), branch of foreign bank has the right to send inquiry to authorized body for clarification of absence reasons in personal account of the receipt on acceptance of FES or the receipt on rejection of FES.

11. Data and information are considered provided by credit institution (branch of the credit institution), branch of foreign bank in authorized body from the date of their direction specified by authorized body in the receipt on acceptance of FES.

12. In case of impossibility of representation of FES in authorized body by use of personal account the credit institution (branch of credit institution), branch of foreign bank shall send it to authorized body on the electronic medium of information enclosed the cover letter signed by the head or the authorized representative of credit institution (branch of credit institution), branch of foreign bank, and directed by the courier or the registered mail with the assurance of receipt.

13. This Instruction according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of June 6, 2025 No. PSD-16) become effective from the date of its official publication, but not earlier than July 1, 2025.

14. From the date of entry into force of this Instruction to recognize invalid:

Instruction of the Bank of Russia of July 15, 2021 No. 5861-U "About procedure for submission by credit institutions to authorized body of data and information according to articles 7 and 7.5 of the Federal law "About Counteraction of Legalization (Washing) of Income Gained in the Criminal Way and to Terrorism Financing" <4>;

--------------------------------

<4> Registration No. 64808 is registered by the Ministry of Justice of the Russian Federation on August 31, 2021.

Instruction of the Bank of Russia of October 21, 2024 No. 6905-U "About modification of the Instruction of the Bank of Russia of July 15, 2021 No. 5861-U "About procedure for submission by credit institutions to authorized body of data and information according to articles 7 and 7.5 of the Federal law "About Counteraction of Legalization (Washing) of Income Gained in the Criminal Way and to Terrorism Financing" <5>.

--------------------------------

<5> Registration No. 80263 is registered by the Ministry of Justice of the Russian Federation on November 21, 2024.

Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info