The initiative is very strange”: The central bank may be required to hand over data on transfers by Russians to the Federal Tax Service.
The Ministry of Finance proposed to oblige the Bank of Russia to transfer to the Federal Tax Service information on incoming transfers of citizens similar to systematic income from individuals. After receiving the data, the tax authorities will be able to request reports from the banks. The norm may enter into force on January 1, 2027, but they plan to monitor transfers retroactively - from the beginning of 2026. The amendments will be examined in the State Duma Committee for Budget and Taxes on Sunday.
Tax partner at Five Stones Consulting Ekaterina Boldinova believes that it is technically possible, but difficult. In her opinion, each person has a lot of small transfers without an income function - to a restaurant, to parent committees for gifts. The system will either choke on details, or people will start fleeing for cash. She called the initiative strange and technically difficult for banks.
Boldinova also considers the law's retroactive power strange: tax legislation that worsens the taxpayer's situation, according to the basic rules of the tax law, should not have retroactive effect. The reason, in her opinion, is clear - the budget needs to be renewed, because many profitable transfers (mentoring, rent) go through the coffers. At the same time, it does not follow from the bill whether the monitoring will be end-to-end or based on certain amounts.
In the past, a bill was submitted to the State Duma according to which banks will limit incoming transfers from citizens to customers with suspicious transactions in the amount of 30 thousand rubles per month.