- country
- BiH (RS)
- date text
- Sep 2023
- actor text
- RS government officials
- campaign id
- BIH-CAMP-003
- 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 Connects to BIH-015 (withdrawn law) — demon | Date refined: banking lockout peaked September-December 2023.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.
- date confidence
- month_year
- 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— converting legislative threat into de facto financial exclusion via banking system pressure even after law was withdrawn.
- id
- SIG-BIH-021
- incident id
- BIH-021
- normalized date
- 2023-09-01
- observation
- country
- BiH (RS)
- actor primary
- RS government officials
- actor type primary
- Senior Official
- campaign id
- BIH-CAMP-003
- campaign phase
- Stage 6: Structural Enabler
- campaigns served
- BIH-CAMP-003; BIH-CAMP-004
- case id
- BIH-021
- channel primary
- Official/Regulatory
- 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 Connects to BIH-015 (withdrawn law) — demon | Date refined: banking lockout peaked September-December 2023.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.
- consequence category
- Legal/Administrative + Social Trust Erosion
- date confidence
- month_year
- enabler status
- Active
- enabler type
- Financial Surveillance Capacity
- escalation stage
- 6
- event date normalized
- 2023-09-01
- event date raw
- Sep 2023
- harm track
- Both
- institutional consequence
- Financial surveillance; Chilling effect
- primary narrative code
- NF-01
- primary narrative label
- Foreign Agent / Foreign Influence
- secondary narrative code
- NF-03
- secondary narrative label
- Financial Corruption / AML
- 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/
- signal id
- SIG-BIH-021
- 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.
- source type
- Official/Regulatory
- source url
- https://balkancsd.net/cpcd-publishes-2023-report-on-the-civil-society-environment-in-bosnia-and-herzegovina/
- tactic code
- Banking System Weaponization (financial exclusion without legislation)
- target
- CSO sector broadly — organizations unable to access banking services
- target type
- Sector
- trigger type
- TR-06: Legislative Milestone
- 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/
- source type
- Official/Regulatory
- source url
- https://balkancsd.net/cpcd-publishes-2023-report-on-the-civil-society-environment-in-bosnia-and-herzegovina/
- target text
- CSO sector broadly — organizations unable to access banking services
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