The banks demand to review the provisions of the anti-fraud bill 3.0, which changes the rules for processing personal data and interacting with customers. The National Financial Market Council sent proposals to the central bank and the Ministry of Digital Development, warning of the risk of overly strict restrictions. The main dispute concerns the customer's consent to the use of the data. Instead of a closed list of permitted situations, the banks propose to determine only cases in which the processing is prohibited. This preserves more service options without making each new transaction a separate exception to the law. There are also infrastructure requirements. Market participants request not to prohibit work using SMS notification aggregators and allow additional methods of remote identification in addition to the unified identification and authentication system. Dependence on a single channel increases the risk of failures during peak loads. Therefore, the conflict around anti-fraud boils down not to the refusal to fight fraud, but to what extent new restrictions could disrupt the work of banks. ΞKONOMICON.