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英国:FCA推出新规应对授权推送支付欺诈

专栏国际资讯基于互联网平台的金融业务

英国:FCA推出新规应对授权推送支付欺诈

12月14日,为了帮助授权推送支付(authorized push payment ,简称APP)欺诈的受害者,英国金融行为监管局(后文简称FCA)公布了新规定。

《金融时报》报道称,受此影响,其他银行或支付服务提供商(PSP)可能也不得不为此类诈骗受害者提供赔偿。

FCA战略与竞争执行总监Chris Woolard表示:

"FCA对打击APP欺诈十分重视,密切关注对消费者造成的伤害。现在,APP欺诈受害者可以向收到付款的PSP提出投诉,如果对结果不满意,还可以将投诉转交给金融申诉专员(FOS)。FOS可以要求相关机构对受害者提供赔偿。"

授权推送支付欺诈是指欺诈者使用声称来自银行的伪造文本消息等方法催促受害者提供转账授权。UK Finance 统计数据显示,2017年共发生了4.3875万起诈骗案,造成损失达2.36亿英镑。然而,根据报告,消费者团体担心实际数字可能远高于报道数量。

英国消费者监管机构Which?今年早些时候构吁出台更好的措施,保护消费者免受支付欺诈伤害。今年2月份Which?报道称,APP欺诈呈现抬头态势。该机构呼吁,客户受到不良影响时,银行应当有所行动,改变处理此类犯罪的方式。

Which?指出,移动和在线技术的广泛使用以及网上银行业的兴起是APP诈骗增长的两个主要原因。根据当时的新闻稿,英国的支付系统监管机构(PSR)发现,每天针对企业或消费者的诈骗案件有100起。"鉴于欺诈案件规模和性质,当前状况下,消费者和企业客户无法从银行获得赔偿。"

In an effort to help authorized push payment (APP) fraud victims, The U.K.’s Financial Conduct Authority (FCA) unveiled new rules on Friday (Dec. 14). As a result, additional banks or payment services providers (PSPs) may have to compensate victims of those kinds of scams, Financial Times reported.

FCA Executive Director of Strategy and Competition Chris Woolard said, according to FT: “The FCA takes APP fraud and the harm it causes to consumers very seriously. Now victims of APP fraud can make a complaint to the PSP receiving their payment, and if they’re not satisfied with the outcome, can refer their complaint to the Financial Ombudsman Service (FOS).” The report also noted that the FOS can have compensation ordered for victims.

Authorized push payment fraud is a case when fraudsters encourage a victim to make money transfer authorizations with methods such as bogus text messages that claim to come from a bank. According to UK Finance statistics, 43,875 instances of the scam took place last year and created losses of £236m. Yet, according to the report, consumer groups are worried that those numbers can be higher than reported.

The news comes after Which?, a consumer watchdog in the U.K., was calling for better protections against push payment scams earlier this year. A press release released by Which? in February warned that APP fraud is on the rise. The watchdog was calling for change in how banks handle this type of crime when it affects their customers.

Which? pointed to the increasing use of mobile and online technologies, along with online banking’s rise, as two major factors behind the APP scam growth. According to the press release at the time, the U.K.’s Payment Systems Regulator (PSR) found that 100 scams hit businesses or consumers every day. “Given the scale and nature of the fraud being committed, in the current system, banks don’t reimburse their consumer and business customers,” the group said in the release.

本文系未央网专栏作者栀航发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!

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