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	Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga.
Tundmatu saatja korral palume linke ja faile mitte avada.	Tere
 
Edastan Eesti Pangaliidu terrorismi rahastamise tõkestamise töögrupi nimel
selgitustaotluse.
 
Palume selgitust krediidiasutuste seaduse (edaspidi KAS) § 88 lg 5 p 3
tõlgendamise osas koosmõjus § 88 lg 61 p-dega 1 ja 2.
KAS § 88 lg 5 p 3 kohaselt peab krediidiasutus avaldama pangasaladuse
julgeolekuasutusele julgeolekuasutuste seaduses sätestatud ülesannete
täitmiseks. Sama paragrahvi lõike 61 p-de 1 ja 2 kohaselt peab
julgeolekuasutuse päringus olema esitatud andmed kliendi, maksekonto,
maksekaardi või muu maksevahendi või makseinstrumendi tunnuse või lepingu
kohta või muud andmed, mis võimaldavad identifitseerida kliendi isiku.
 
KAS § 88 lg 61 p-de 1 ja 2 sõnastust muudeti viimati 16.07.2016.a
jõustunud isikut tõendavate dokumentide seaduse, krediidiasutuste seaduse
ning rahapesu ja terrorismi rahastamise tõkestamise seaduse muutmise
seadusega. Eelnimetatud seaduse eelnõu kohaselt oli KAS § 88 lg 61
muutmise eesmärgiks sätestada õiguskaitseasutustele lisavõimalus saada
pangasaladuseks olevaid andmeid, kui järelepärimises märgitud kliendi
kohta on esitatud vähemalt punktides 1 ja 2 nimetatud andmed. KAS § 88 lg
61 punkt 1 lubab krediidiasutusel avaldada pangasaladuseks oleva teabe,
kui järelepärimises ei ole ära näidatud lõike 6 punktis 2 nimetatud
kliendi andmed, vaid on esitatud andmed kliendiga seotud maksekonto,
maksevahendi või makseinstrumendi, sh maksekaardi tunnus, või lepingu
kohta. Punkti 2 kohaselt võib krediidiasutus pangasaladuse avaldada ka
siis, kui järelepärimises on esitatud muud andmed, mis võimaldavad
identifitseerida kliendi isiku. Näiteks KaS-i § 88 lõike 5 punktides 1–4
nimetatud asutustele võib pangasaladuseks olevad andmed avaldada kliendi
maksekaardi tunnuse või PIN-kalkulaatori tunnuse või konkreetse tehingu
tegemise aja alusel.
 
KAS § 88 lg 61 p-des 1 ja 2 ei ole ammendavalt sätestatud, millised
kliendi isiku identifitseerimiseks vajalikud andmed peavad olema
pangasaladust sisaldava teabe väljastamiseks välja toodud julgeoluasutuste
seaduse poolt esitatud päringus, vaid seadusandja on jätnud selles osas
laia tõlgendusruumi. 
 
Seetõttu palume ministeeriumi seisukohta järgmises küsimuses:
 
Kas KAS § 88 lg 5 p-i 3 koosmõjus § 88 lg 61 p-ga 2 tuleb tõlgendada
selliselt, et krediidiasutused võivad pangasaladuseks olevaid andmeid
väljastada julgeolekuasutuse päringu alusel, kus on kliendi osas välja
toodud info, mis eraldiseisvalt aitab konkreetset klienti unikaalselt
tuvastada või piisab infost, mis koos muude andmetega aitab konkreetset
klienti unikaalselt tuvastada? Näiteks, kas KAS § 88 lg 61 p-s 2
sätestatud kliendi isiku identifitseerimist võimaldavate andmete alla
liigitub ka kliendi kodakondsus (nt kõikide Eesti ja Venemaa
topeltkodakondsusega isikute andmed) või maksekaardi kasutamise fakt kõrge
terrorismi rahastamise riskiga riigis, millisel juhul võib päringu alusel
väljastamisele kuuluda ka suurema hulga päritavale tunnusele vastavate
klientide info?
 
Lugupidamisega
 
Tanel Ruusmaa
Pangaliidu terrorismi rahastamise tõkestamise töögrupi juht
AFC monitooringu ja skriiningu tiimi juht
tanel.ruusmaa@lhv.ee 
AS LHV Pank

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