Counterparty Check and 115-FZ Help

Before you send an advance to a new supplier or sign with an unfamiliar company, it helps to know who you are dealing with.

And if a bank suddenly blocks your account citing the anti-money-laundering law, you need to work out quickly what is happening. This is what the bot "Help 115-FZ / Counterparty Check" is for 🔍

What the bot offers

In its description the bot calls itself a helper for comprehensive checks of entrepreneurs and individuals and for solving problems under Russian law 115-FZ. You choose a category in the menu after launch.

Behind the service is a project named "SEB 115-FZ", which has its own channel and website. For anything about price and timing, check inside the bot before ordering.

Three directions in the menu

• Full check: a detailed review of a company or a person.
• Express check: a quick answer when you need a decision today.
• 115-FZ help: consultation when a bank limited operations or requested documents.

The /check command starts a check of legal entities and sole proprietors, /support reaches support, and /start reopens the menu.

What gets examined in a counterparty check

A good check begins with public registers that hold data on a company. Which sources the bot uses it will show in its answer, but it helps to see the general picture.

1. Registration date: a firm created a month ago that promises huge deliveries raises questions.
2. Director and founders: mass directors and frequent owner changes are a warning sign.
3. Address: one address shared by dozens of companies often points to a shell firm.
4. Court cases and debts: many claims from suppliers mean you may stay unpaid too.
5. Bankruptcy and liquidation: such procedures appear in open notices.

115-FZ in plain words

It is the Russian law on countering the legalization of criminal proceeds. Banks must monitor client operations and may suspend suspicious payments and request explanations and documents.

Even an honest entrepreneur can get restricted: because of an unusual transfer, mismatched data, or a counterparty the bank considers risky. That is why partner checks and 115-FZ often go together 🏦

If the bank blocked your account

A calm order of steps beats panic:

• Gather documents: contracts, invoices, acts and correspondence proving the deal is real.
• Answer the bank on time: silence makes things worse.
• Keep every request: letters and ticket numbers matter in disputes.
• Do not pay for a "guaranteed unblock": nobody can guarantee a bank's decision.

What not to expect

A paid check does not replace your own caution. A report shows what is known at the moment of the request, and a company's situation can change within a week.

115-FZ help is consultation, not a promise to return access to your money. The bank decides, and any claim of "unblocking in a day" deserves distrust. Collect data about people only within the law and for a lawful purpose ⚖️