Bank 'suraksha ki chhatri' banein, tamaashbeen nahi — cyber fraud par Supreme Court ki sakhti sahi waqt par aayi hai
Supreme Court ne RBI se kaha hai ki naye cyber fraud niyamon mein woh dhaara ho jisse bank ki laaparwahi ki soorat mein grahak ko poora nuksaan bharpaai mile. Yeh grahakon ke liye badi raahat ho sakti hai — bashart niyam kaagaz se zameen tak utrein.
Digital arrest aur online thagi ab ikka-dukka ghatnaayein nahi rahi. Business Standard ki report ke mutabik Guruvaar ko Chief Justice Surya Kant ki bench ne ek buzurg dampati ke maamle mein suo motu sunwaai ki, jo farzi adaalati aadeshon ke zariye Rs 1.05 crore gawa baithe the. Bench ne RBI se kaha ki prastaavit framework mein saaf likha ho ki jahan bank ki kamzor suraksha ya laaparwahi se nuksaan hua, wahan grahak ko kam se kam utni hi rakam lautaayi jaaye jitni usne gawaayi.
Hamari raay mein yeh soch bilkul sahi hai. Ek pensioner ke khaate se achanak bhaari, asaamaanya nikasi ho aur bank ka system aankh moonde rahe — to zimmedaari sirf grahak ki nahi ho sakti. CJI ne bhi yahi sawaal uthaya ki aise lenden par turant dakhal kyon nahi hua. Bank grahak ka paisa sambhaalne ke badle fees aur byaaj kamaate hain; aise mein unse 'protective umbrella' banne ki ummeed karna koi zyaadti nahi.
Lekin niyam tabhi asar karenge jab unmein daant hon. Court ne khud RBI se poocha hai ki kya prastaavit niyamon mein paryaapt enforcement shakti hai, aur banks se pehle salaah lene ki pratha par bhi sawaal uthaye. Attorney General ne 30 November tak notification aur 31 December tak niyam laagu karne ka prastaav rakha hai. Zaroori hai ki yeh deadline sirf taarikh na rahe — shikaayat ka samaybaddh nipataara, paardarshi jaanch aur grahak par saboot ka bojh kam karna bhi framework ka hissa ho.
Saath hi grahakon ki apni satarkta ka koi vikalp nahi. Koi bhi asli police ya adaalat video call par 'giraftaari' nahi karti, aur OTP ya paise ki maang par turant rukna hi sabse badi suraksha hai. Bank ki jawabdehi aur nagrik ki jaagrukta — dono milkar hi is thagi ki kamar tod sakti hain. Agli sunwaai 30 November ko hai; desh ki nazar is par rahegi ki RBI kitne mazboot niyam lekar aata hai.