Conclusion of a bank account agreement under the conditions of the provisions of counteraction legislation

The author considers the issues of access to banking services in the process of digitalization of banking activities. Analyzes the grounds for refusal to conclude a bank account agreement in connection with the implementation by banks of the functions of financial monitoring agents. Examines the relevant international acts and determines their place in the legal system of Russia. He concludes that the application of the provisions of counteraction legislation when opening a bank account violates the rights and freedoms of a person and a citizen, as well as the subjective civil rights of participants in civil turnover.