The UK sets a bad example on many human rights issues. Among other things, the UK leads the way in excluding people and organisations from the financial system, which is often based on so-called crime-fighting arguments. They call it ‘debanking’ there, others call it ‘de-risking’ . On that matter The Guardian published the article UK banks are closing more than 1,000 accounts every day, and wrote:
When people or organisations have their bank accounts closed, they often receive little or no explanation as to why this has happened, though the banks sometimes say it is due to concerns over financial crime such as money laundering and fraud
According to an organisation from the compliance industry: ‘Britain Changes Tune on De-risking‘ (article).
Whether that is the case I wonder. Compliance is so immensely expensive that the general trend is for banks to say goodbye to all customers who are too expensive in compliance measures. New rules will not change that unless governments abandon the bizarre expectations they have of the crime-fighting capabilities of financial institutions and other ‘obliged entities’.
Ellen Timmer - juridische artikelen en berichten 
On LinkedIn a comment was posted on a Guernsey case of a bank freezing an inheritance after the bank had filed a SAR. After the courts rejected a freezing order by the prosecutor (that was the reason for filing the SAR) and no public legal action was taken against the deceased or any of his family members, the bank (Credit Suisse) still did not want to release the funds (I understand from the post). A decision is attached.
This case shows that everywhere problems arise around the inadequate system of privatisation of public tasks.
Zie over debanking in het VK ook Tom Keatinge op linkedin, die onder meer schrijft:
Ook in zijn bericht het bekende overheids-alibi dat de overheid zich niet mag / wil bemoeien met de commerciële keuzes van de bank (die geen zin heeft in alles wat veel tijd en geld kost):
Het geeft aan dat de overheid in dit domein nul interesse heeft voor consument en mkb, terwijl zij geen partij zijn voor grote financiële instellingen.
Het FT publiceerde FCA chief: Many questions remain around ‘debanking’. In het artikel schrijft een topfunctionaris van de Engelse financiële toezichthouder FCA over de-risking praktijken van Engelse financiële instellingen. Volgens hem worden rekeningen niet gesloten vanwege politieke standpunten. De realiteit – dat banken geen zin hebben in klanten die naar hun idee dure compliance opleveren – wordt niet onder ogen gezien.