TITLE: Russia's Central Bank Recommends Proactive Approach for Notifying Customers of Transaction Restrictions BODY: On [date], the Central Bank of Russia (Bank of Russia) issued an information letter to credit institutions and banking associations recommending a proactive approach when informing customers about transaction restrictions and limitations on remote account access. The Bank of Russia conducted monitoring of credit institutions' practices regarding customer notification when operations are refused, restricted, or when electronic payment methods and remote banking services are limited under Federal Law No. 115-FZ (on combating money laundering and terrorism financing) and Federal Law No. 161-FZ (on the national payment system). While most credit institutions generally follow previously published guidance from August 26, 2025, the Bank of Russia identified inconsistencies in how institutions inform and support customers during these processes, creating difficulties for customers seeking clarification on applied restrictions or refusals. To standardise practices and enhance transparency, the Bank of Russia recommends that credit institutions proactively: notify customers through remote banking channels and SMS about restrictions or operation refusals, including reasons and applicable legal bases; inform customers of their right to submit documents or information disputing the restriction; maintain customer access to communications through remote banking systems even when electronic payment restrictions are in place; and provide customers with links to Bank of Russia resources explaining the process for exclusion from the Bank of Russia's database of unauthorised fund transfer attempts. Additionally, when customers challenge restrictions or refusals, institutions should explain appeal procedures, including the right to petition the interdepartmental commission established at the Bank of Russia under Article 7(13.5) of Federal Law No. 115-FZ. The recommendations apply to all credit institutions and banking associations operating in Russia. REFERENCES: Central Bank of Russia Information Letter on Proactive Notification of Transaction Restrictions (2025)

CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]

Horizon Scanning Outline. Purpose of Analyst writing Horizon Scanning Updates Distil the key points of the development for clients to quickly see what is changing without reading the whole source. Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes. Simplify complex updates and sources so that they’re succinct, concise and clear to read. Consistently structure and write updates in the same format. Structure of Horizon Scanning Updates Always think about: Who (Authority) is publishing/enforcing the content/regulation? Where (Jurisdiction)? What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed? Who is this update applicable to (credit, e-money institutions, etc.)? Why is this update noteworthy? What is its significance? When is the update applicable? Title Describe what the update is about. Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what). All titles should be written in present tense. Avoid using acronyms Approx 10 - 20 words Example Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance Paragraph 1 Open with the date of the update (When) Name the authority that released the update (Who) Summarise the release (What) Example On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets. Paragraph 2 Summarise key points. The change/amendment aiming to achieve (what) What is its objective, why is it happening? Why is it significant? (why) Who does it impact or concern? (Who) The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document. Example SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to: Study Indian and global best practices. Prepare the guidelines. Address the concerns and issues arising from AI/ML usage. SEBI is consulting on the following principles to develop the guidelines: Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models. Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information. Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results. Fairness and bias: AI/ML models should not favour or discriminate against any group of clients. Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security. Paragraph 3 Acts as a “Call To Action”. Provide forward looking context: What actions need to be taken? Who needs to take action? Next steps to the development. Include any relevant dates (When) Response dates - should always be provided for consultations Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted. Example The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026. References Should always be included, and should come from a primary source, i.e., an authority, not a news source. General Style Notes: 200-250 words Active voice Authorities and companies referenced as a single entity (“It”, not “they”) Titles in title case Internal Vixio vocabulary guide Content Style Guide Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content. A Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA). Act - when just referring to “the act”, it does not need a capital a. Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell). - advice (noun) - give formal suggestions (for example, I gave them advice). Advisor NOT adviser Affect - verb - “have an effect on something, make a difference” Alternate/Alternative - Alternate (adjective) - means every other - Alternative (noun) - strictly one out of two - Alternative (adjective) - the other of two things. Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”. AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT Among/while NOT Amongst/whilst API - application programming interface Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act. Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”. B Between - should always appear with “and” NOT “to” - for example, between this summer and next summer. Big tech - two words, breaks convention of other tech words Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522). Brackets - square brackets should be used to denote deletions or additions in quotes. Buy now, pay later - no hyphens Bullet points - see Lists C Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a) Cardrooms not card rooms Cases - legal cases should appear in italics, with a v for versus. Casino-resorts NOT casino resorts or resort-casinos Chief executive NOT chief executive officer Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes) Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000) Comparisons - compare with (highlighting differences) - compare to (highlighting similarities) Companies/organisations - singular entities (it NOT they) should be followed by “which/that” rather than “who” Ltd, not Limited Complement - to accompany something/add value Compliment - give praise (complimentary = free) Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings) Comprise/comprising - should NOT be followed with “of”, as it means to “consist of” Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,) Continually - if something occurs repeatedly/regularly in the same way Continuously - if something occurs without interruption or gaps Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone) Contrast - by contrast - when comparing one thing to another - in contrast - simply noting a difference Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting Court of Justice of the European Union (CJEU) rather than ECJ Cryptocurrency - one word, not hyphenated. Crypto-assets - hyphenated Cybersecurity - one word, not hyphenated CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar) m for million, bn for billion, trn for trillion. D Date format - Month, Day, Year (e.g., March 7, 2019) For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…” For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...” For NIBs: always use dates rather than days. Department for Digital, Culture, Media & Sport - ampersand Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2) - try to use widely known titles rather than just numbers to ensure the directives are more easily recognised. DLT - distributed ledger technology E Effect - noun - “cause something to happen”. Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–). Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”. esports NOT eSports or e-sports Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”. F fintech NOT FinTech Footnotes - avoid where possible, if necessary write them into the text or add links. G GGR - “gross gaming revenues” Government - does not need a capital g. Governor - should be written out in full, NOT Gov. Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines) H Headlines - all words should begin with a capital Horseracing NOT horse racing Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money - DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper I Impact - should be used as a noun - i.e. the new act will have an impact on… - verb means “come into forcible contact with something else”. - using “affect” as a verb is more accurate. J Judgment - legal decision Judgement - one’s own opinion Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters. Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive. OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur DON’T need capitals unless a figure of importance (i.e., Prime Minister, President) Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be. Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team). K KYC - know your customer L Legislature - does not need a capital l. Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables. Licence - noun (UK), i.e. a driver’s licence License - verb/noun (US) Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent). M MONEYVAL NOT Moneyval More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players. N Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive. Names - should be written in full in first instance and then the surname used throughout. Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences. Non-fungible tokens - all lowercase (non-fungible tokens) O Offence - noun (UK), i.e. commit an offence Offense - noun (US) Organisations/companies - singular entities (it NOT they) should be followed by “which/that” rather than “who” Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears). Over - should not be used as a replacement for “more than”. P Parliament - does not need a capital p. Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”. - passed is the past tense of “to pass” - “the law was passed in government”. Prepaid, not pre-paid Percentages - numbers should always be written as figures percent NOT per cent or % Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent) Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to” Principal - main, most important Principle - a fundamental source or basis of something Programme (UK) Program (US, UK - for computer program, Australian English) Q Quotes - speaker should be referenced in the past tense (said NOT says) Quote marks - double quote marks should be used for speech - single quote marks should only be used for titles and within quotes. (See Quote reference sheet for more information on how to use quotes.) R regtech NOT RegTech Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines) Racetracks not race tracks S Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018. Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act. Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.) Sports betting NOT sportsbetting Sports team names Storey (pl. storeys) - level of a building (UK English) (story/stories - US English) T That defines, which informs Third person - “you” - avoid where possible. Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a) Tenses - content should generally be written in past tense - present tense should be used for something that has just happened and will be continuing into the future. U United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”) U.S. Department of Justice - Justice Department (with capitals as requested) V Vixio GamblingCompliance / Vixio PaymentsCompliance Vixio (to be used on its own after first instance) W Which informs, that defines While/among NOT Whilst/amongst While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”. X Y Year quarters - Q1, Q2, H1, H2, etc. Z Acronyms AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT API - application programming interface DLT - distributed ledger technology --- Now, given the above instructions and style guide, please generate a horizon scanning update based on the following webpage content. Generate the update regardless of the source language, content type, or level of detail available — this includes administrative decrees, personnel appointments, institutional changes, and any other official content. Use whatever information is present. Кредитным организациям ЦЕНТРАЛЬНЫЙ БАНК РОССИЙСКОЙ ФЕДЕРАЦИИ (БАНК РОССИИ) Банковским ассоциациям 107016, Москва, ул. Неглинная, д. 12, к. В www.cbr.ru тел.: (499) 300-30-00, 8 (800) 300-30-00 От[REGNUMDATESTAMP] Информационное письмо Банка России о применении проактивного подхода при информировании об ограничении операций и дистанционных способов распоряжения счетом Банк России по результатам мониторинга деятельности кредитных организаций, связанной с информированием клиентов в случаях отказа в совершении операций, установления ограничений на совершение операций или использование электронных средств платежа, включая дистанционное банковское обслуживание, на основании Федерального закона № 115-ФЗ1 и Федерального закона № 161-ФЗ2 и (или) договора, сообщает следующее. Ранее Банк России в целях соблюдения прав и законных интересов клиентов – потребителей финансовых услуг кредитных организаций опубликовал Информационное письмо Банка России об информировании клиентов при ограничении операций и дистанционных способов распоряжения счетом от 26.08.2025 № ИН-01-59/98. Результаты мониторинга демонстрируют, что кредитные организации в основном следуют подходам, изложенным в указанном Информационном 1 Федеральный закон от 07.08.2001 № 115-ФЗ «О противодействии легализации (отмыванию) доходов, полученных преступным путем, и финансированию терроризма» (далее – Федеральный закон № 115-ФЗ). 2 Федеральный закон от 27.06.2011 № 161-ФЗ «О национальной платежной системе» (далее – Федеральный закон № 161-ФЗ). 2 письме. При этом практики информирования и сопровождения клиентов при введении ограничений или отказе в совершении операции различаются, что затрудняет клиентский путь при получении от кредитной организации пояснений, связанных с примененными ограничениями или отказом и необходимых клиенту для урегулирования возникшей ситуации или защиты своих прав. С учетом изложенного Банк России в целях формирования единства практик, обеспечения прозрачности клиентского сервиса, а также повышения уровня удовлетворенности граждан рекомендует кредитным организациям при введении ограничений или отказе в совершении операций в инициативном порядке: информировать клиентов (через каналы дистанционного банковского обслуживания, с использованием СМС и тому подобного) о факте введения ограничений и (или) отказа в совершении операций, причинах их введения (отказа), сообщать вид примененных ограничений, правовые основания их применения (с указанием положений законодательства Российской Федерации и (или) договора, послуживших основанием для их применения); в случае введения ограничений согласно основаниям, предусмотренным частями 11.6 и 11.7 статьи 9 Федерального закона № 161-ФЗ, информировать клиента о том, что в соответствии с частью 11.8 статьи 9 Федерального закона № 161-ФЗ и Указанием Банка России № 6748-У3 клиенты кредитных организаций могут подать заявление об исключении сведений, относящихся к 3 Указание Банка России от 13.06.2024 № 6748-У «О порядке подачи клиентом оператора по переводу денежных средств в Банк России заявления об исключении сведений, относящихся к клиенту и (или) его электронному средству платежа, из базы данных о случаях и попытках осуществления переводов денежных средств без добровольного согласия клиента, порядке принятия Банком России мотивированного решения об удовлетворении или об отказе в удовлетворении заявления клиента оператора по переводу денежных средств или мотивированного заявления оператора по переводу денежных средств об исключении сведений, относящихся к клиенту и (или) его электронному средству платежа, из базы данных о случаях и попытках осуществления переводов денежных средств без добровольного согласия клиента и порядке получения оператором по переводу денежных средств информации об исключении сведений, относящихся к клиенту и (или) его электронному средству платежа, из базы данных о случаях и попытках осуществления переводов денежных средств без добровольного согласия клиента». 3 клиенту оператора по переводу денежных средств и (или) его электронному средству платежа, из базы данных Банка России3 через оператора по переводу денежных средств в соответствии с порядком, предусмотренным договором между клиентом и оператором по переводу денежных средств, или через Интернет-приемную Банка России. Дополнительно рекомендуем предоставлять клиенту ссылку на раздел Банка России в информационно- телекоммуникационной сети «Интернет», содержащий информацию о порядке исключения из базы данных Банка России4; в случае отказа в совершении операции в соответствии с пунктом 11 статьи 7 Федерального закона № 115-ФЗ информировать клиента о его праве представить в кредитную организацию документы и (или) сведения об отсутствии оснований для принятия решения об отказе в совершении операции; обеспечить доступ к коммуникации с кредитной организацией с использованием системы дистанционного банковского обслуживания (в том числе в случаях, когда в отношении клиента установлено ограничение на использование электронных средств платежа, включая дистанционное банковское обслуживание). Дополнительно в случае принятия банком отрицательного решения по обращению клиента, направленному в адрес кредитной организации для оспаривания примененных ею ограничений или отказа в совершении операции, рекомендуем разъяснять клиенту порядок обжалования принятого решения, в том числе информировать клиента о праве обратиться в межведомственную комиссию, созданную при Банке России, в случае, предусмотренном пунктом 13.5 статьи 7 Федерального закона № 115-ФЗ. 3 База данных о случаях и попытках осуществления переводов денежных средств без добровольного согласия клиента, формирование и ведение которой осуществляется Банком России в соответствии с частью 5 статьи 27 Федерального закона № 161-ФЗ. 4 http://www.cbr.ru/contactBR/161-FZ/. 4 Настоящее Информационное письмо Банка России подлежит размещению на официальном сайте Банка России в информационно- телекоммуникационной сети «Интернет». Первый заместитель Председателя Банка России Д.В. Тулин [SIGNERSTAMP1]

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