The Central Bank of Uzbekistan has criticized commercial banks for forcing customers to accept "general offers" through their mobile applications. The regulator emphasized that such conditions violate the principles of fairness and limit consumer rights.
According to the Central Bank, in order to use a single service, customers are often required to approve broad agreements that include multiple banking products, even those they do not need. As a result, citizens are compelled to accept terms that go against their preferences.
The regulator noted that many users do not fully read or understand such documents. Some banks exploit this by including commissions and additional services within the "general offers," which later lead to disputes.
The Central Bank also criticized instances where banks block credit cards due to delayed payments and then deduct commissions when the debt is repaid. Such actions make it harder for customers to settle their debts and contribute to an increase in complaints.
The Central Bank reminded that withholding customer funds without their consent is only permissible in cases strictly defined by law. It also highlighted that forcing services onto customers contravenes civil and anti-monopoly legislation.
Commercial banks were advised to abandon the use of "general offers," refrain from coercing customers into unnecessary services, and act in good faith when introducing commissions.
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