RESOLUTION OF THE PRESIDENT OF THE REPUBLIC OF UZBEKISTAN

of November 30, 2023 No. PP-381

About measures for strengthening of consumer protection of digital products (services) and fight against the offenses made by means of digital technologies

In recent years the digital sector of national economy extends, key drivers of its growth - platforms of electronic commerce and digital services, and also the financial technologies connected with high-quality and safe processing of the made payments on marketpleysa and digital services promptly develop.

At the same time increase in cases of theft or fraud with use of bank cards testifies lately to insufficiency of digital financial literacy of the population and qualification of law enforcement officers, to lack of modern systems of the prevention of offenses in commercial banks and payment institutes, at operators of payment systems.

For the purpose of further development of digital economy, strengthening of consumer protection of digital products (services) and fight against the offenses made by means of digital technologies, and also increase in digital financial literacy of the population:

1. Determine that:

a) since July 1, 2024 requirements for creation and implementation of activities of operators of payment systems and payment institutes only in the form of joint-stock company are introduced;

b) minimum size of the authorized capital of operators of payment systems and payment institutes:

since July 1, 2024 for operators of payment systems constitutes 50 billion sum, payment institutes - 10 billion sum;

since July 1, 2025 for payment institutes constitutes 20 billion sum;

c) the state share in the authorized capital of Natsionalny mezhbankovsky protsessingovy center LLC is transferred to Agency on management of the state assets in full;

d) tasks, functions and powers of the Ministry of digital technologies, the Ministries of investments, the industry and trade - in the field of regulation and development of electronic commerce, the Ministry of Economics and finance - in the field of regulation of activities for the organization of lotteries and bookmaker activities are transferred to the National agency of perspective projects (further - the Agency).

2. For the purpose of timely suppression of thefts, fraud and other offenses to authorize the Central bank to direct obligatory instructions to commercial banks, operators of payment systems and payment institutes about temporary restriction of use for a period of up to three days of bank cards, bank accounts and accounts on mobile applications in case of implementation doubtful (frod) transactions, linked with bank cards.

3. To Central Bank together with the interested departments to develop and approve package of measures, providing in a month:

enhancement of methods of technical protection when rendering online services to citizens by commercial banks, operators of payment systems and payment institutes, implementation of antifrod-systems, automation of control of the performed in a row three and more transfers, implementation of mechanisms of control of use of bank cards and implementation of money transfers between physical persons in large size with use of additional biometric and other measures of protection;

increase in digital financial literacy of the population according to the prevention of modern threats, in particular illegal transactions with bank cards (their details), including by means of electronic payment systems.

4. Approve "Road map" on enhancement of system of fight against the offenses made by means of digital technologies, and consumer protection of digital products (services) according to appendix.

Assign to heads of the ministries and departments the personal responsibility for timely execution of the tasks determined in "Road map".

5. Establish procedure according to which:

in the presence of data on determination of transaction code or other identifiers of payment system specifying implementation by the receiver of money of activities for the organization and carrying out gamblings, and also capital movement transactions, commercial banks are forbidden to make cross-border transfers by means of bank cards for benefit of receivers of the means which are outside the Republic of Uzbekistan;

based on appeals of the Agency the information resources of the Internet giving opportunity of illegal participation in gamblings and implementation of transactions of capital movement join the Agency of information and mass communications in the Register of the information resources of the world information Internet containing information which distribution is forbidden by the legislation of the Republic of Uzbekistan.

6. To the Prosecutor General's Office together with the Supreme Court, the Ministry of Internal Affairs, the Agency, Service of state security, the Ministry of Justice, the Ministry of digital technologies and other interested departments in three-months time to make offers on the changes and amendments in acts of the legislation providing enhancement of criminal and criminal procedure bases of establishment of the place and method of making of crimes by means of digital technologies, and also procedure for identification, collection, check, examination, accounting and storage of electronic (digital) proofs.

7. To the Ministry of Internal Affairs jointly with Service of state security, the Prosecutor General's Office and other interested departments in three-months time to approve technique of investigation of the crimes committed by means of information and communication technologies.

8. To the ministry of the higher education, science and innovations, the Ministry of Internal Affairs, the Prosecutor General's Office, Service of state security and National guard together with the interested ministries and departments till April 1, 2024 to make offers on enhancement of system of preparation, retraining and advanced training of the personnel performing activities for fight against the crimes committed by means of information and communication technologies. At the same time to provide:

determination of the public highest educational institutions performing since 2024/2025 academic years training according to the prevention of crimes in the field of digital technologies, establishment in parameters of the state order on training in this sphere of indicators of acceptance on the basis of the state grant;

the organization in Law-enforcement academy, Institute of advanced training of the Ministry of Internal Affairs, and also educational institutions of Service of state security of permanent rates for retraining and advanced training of the employees performing operational search activities, investigation verification, inquiry and pretrial investigation.

10. To impose control of execution of this resolution on the Prime Minister of the Republic of Uzbekistan A. N. Aripov.

Appendix

to the Resolution of the President of the Republic of Uzbekistan of November 30, 2023 No. PP-381

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