{"id":"SIG-BIH-021","country":"BiH (RS)","excerpt":"CSOs report being locked out of banking functions: unable to open accounts, use online banking, or add signatories. During the foreign agent law debate (BIH-015), RS politicians explicitly suggested banks should freeze CSO accounts — converting legislative threat into de facto financial exclusion via banking system pressure even after law was withdrawn.","date_text":"Sep 2023","actor_text":"RS government officials","source_url":"https://balkancsd.net/cpcd-publishes-2023-report-on-the-civil-society-environment-in-bosnia-and-herzegovina/","campaign_id":"BIH-CAMP-003","incident_id":"BIH-021","observation":{"target":"CSO sector broadly — organizations unable to access banking services","case_id":"BIH-021","country":"BiH (RS)","signal_id":"SIG-BIH-021","harm_track":"Both","source_url":"https://balkancsd.net/cpcd-publishes-2023-report-on-the-civil-society-environment-in-bosnia-and-herzegovina/","campaign_id":"BIH-CAMP-003","source_type":"Official/Regulatory","tactic_code":"Banking System Weaponization (financial exclusion without legislation)","target_type":"Sector","enabler_type":"Financial Surveillance Capacity","trigger_type":"TR-06: Legislative Milestone","actor_primary":"RS government officials","campaign_phase":"Stage 6: Structural Enabler","enabler_status":"Active","event_date_raw":"Sep 2023","channel_primary":"Official/Regulatory","date_confidence":"month_year","campaigns_served":"BIH-CAMP-003; BIH-CAMP-004","confidence_notes":"New tactic not previously in database: banking system weaponization. Financial exclusion achieved without legislation — politicians signal to banks, banks comply. More dangerous than formal law because it's invisible, deniable, and has no appeal mechanism. Connects to BIH-015 (withdrawn law) — demon | Date refined: banking lockout peaked September-December 2023. Timing: following RS National Assembly first reading of foreign agent law (September 28, 2023). Banks began \"enhanced due diligence\" refusing to open accounts or update signatories, citing \"internal risk policies.\" Sources: Buka/Capital.ba late 2023; Transparency International BiH late 2023 press releases.","escalation_stage":"6","actor_type_primary":"Senior Official","source_text_excerpt":"CSOs report being locked out of banking functions: unable to open accounts, use online banking, or add signatories. During the foreign agent law debate (BIH-015), RS politicians explicitly suggested banks should freeze CSO accounts — converting legislative threat into de facto financial exclusion via banking system pressure even after law was withdrawn.","consequence_category":"Legal/Administrative + Social Trust Erosion","secondary_source_url":"https://balkancsd.net/urgent-call-to-action-bcsdns-2024-monitoring-matrix-report-reveals-alarming-shrinkage-of-civic-space-in-wb-and-turkiye/","event_date_normalized":"2023-09-01","primary_narrative_code":"NF-01","primary_narrative_label":"Foreign Agent / Foreign Influence","secondary_narrative_code":"NF-03","institutional_consequence":"Financial surveillance; Chilling effect","secondary_narrative_label":"Financial Corruption / AML"},"response_id":null,"source_type":"Official/Regulatory","target_text":"CSO sector broadly — organizations unable to access banking services","date_confidence":"month_year","normalized_date":"2023-09-01","confidence_notes":"New tactic not previously in database: banking system weaponization. Financial exclusion achieved without legislation — politicians signal to banks, banks comply. More dangerous than formal law because it's invisible, deniable, and has no appeal mechanism. Connects to BIH-015 (withdrawn law) — demon | Date refined: banking lockout peaked September-December 2023. Timing: following RS National Assembly first reading of foreign agent law (September 28, 2023). Banks began \"enhanced due diligence\" refusing to open accounts or update signatories, citing \"internal risk policies.\" Sources: Buka/Capital.ba late 2023; Transparency International BiH late 2023 press releases.","secondary_source_url":"https://balkancsd.net/urgent-call-to-action-bcsdns-2024-monitoring-matrix-report-reveals-alarming-shrinkage-of-civic-space-in-wb-and-turkiye/"}