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01/10/2025

Understanding the citizens’ concerns and the uncertainties caused by some interpretations regarding the obligation to replace identity cards, and the difficulties this obligation may cause in using banking services, for the sake of clarification, we remind the public that the CBCG has no jurisdiction in implementing the Law on Identity Cards. The said Law, which stipulates that identity cards issued under the previous law shall cease to be valid on 30 September 2025, falls under the competence of the Ministry of Interior.

In accordance with the Law on the Prevention of Money Laundering and Terrorist Financing (AML/CFT Law), which is also under the competence of the Ministry of the Interior, the CBCG supervises the implementation of this law by entities to whom it issued license to operate, including banks. Under the AML/CFT Law, banks must carry out customer identification in the cases and in the manner prescribed by the Law. We also remind the public that, for the purposes of this Law, an identity document is an identity card, passport, or other documents prescribed by this Law. Customer identification also provides additional protection against possible abuses and fraud.

The CBCG remains fully committed to protecting the citizens’ interests and fulfilling its legally prescribed functions, at the same time expecting banks to inform their clients of their rights and obligations in a timely and transparent manner to ensure the uninterrupted provision of services to their clients.

We are aware that citizens may have many questions and uncertainties. The CBCG remains available for any further clarifications regarding consumer protection and the application of legal obligations in banking operations. For information and support, citizens may contact us via email at zastita.potrosaca@cbcg.me.