{"id":"69b0b675-38cf-42a5-812f-e6cce821f639","doc_type":"notice","title":"전기통신금융사기 피해 방지 및 신고포상금에 관한 규정","summary":"[첨부: 전기통신금융사기 피해 방지 및 신고포상금에 관한 규정(금융위원회고시)(제2015-20호)(20150701).hwp] 전기통신금융사기 피해 방지 및 신고포상금에 관한 규정 전기통신금융사기 피해 방지 및 신고포상금에 관한 규정","body":"[첨부: 전기통신금융사기 피해 방지 및 신고포상금에 관한 규정(금융위원회고시)(제2015-20호)(20150701).hwp]\n]>\n전기통신금융사기 피해 방지 및 신고포상금에 관한 규정\n전기통신금융사기 피해 방지 및 신고포상금에 관한 규정\n법제처\n- / -\n국가법령정보센터\n[시행 2015. 7. 1.] [금융위원회고시 제2015-20호, 2015. 6. 30., 타법개정.]\n금융위원회(금융안전과), 02-●●●●-2974\n{전문}\n제1조(목적) 이 규정은 「전기통신금융사기 피해 방지 및 피해금 환급에 관한 특별법」(이하 \"법\"이라 한다) 및 법 시행령(이하 \"시행령\"이라 한다)에 따라 금융위원회에 위임된 전기통신금융사기 피해 방지 및 신고 포상금 지급 등의 세부 절차 및 기준을 정함을 목적으로 한다.\n제2조(정의) 이 규정에서 사용하는 용어의 정의는 법 및 시행령이 정하는 바에 따른다.\n제3조(전기통신금융사기에 대한 대응 등) ① 법 제2조의2제2항 제2호에 따라 금융회사에 대하여 개선계획의 제출을 명령할 수 있는 경우는 다음 각 호의 어느 하나에 해당하는 경우를 말한다.\n1. 반기별 총 계좌수 대비 사기이용계좌 발생건수의 비율이 금융감독원장(이하 \"감독원장\"이라 한다)이 정한 비율을 초과하는 경우\n2. 사기이용계좌 발생건수와 피해환급금액이 최근 3개월 연속 증가한 경우\n3. 그 밖에 사기이용계좌 발생으로 금융회사의 건전한 영업 또는 업무를 크게 저해하는 상황이 발생하여 건전 경영을 훼손하거나 금융이용자 등에게 중대한 손실을 초래하여 개선계획 제출이 필요하다고 금융위원회가 판단하는 경우\n② 법 제2조의2제2항 제1호에 따라 금융회사나 그 임직원에 대하여 제재를 조치할 수 있는 경우는 제1항에 따른 개선계획의 제출을 명령받은 경우로써 다음 각 호의 어느 하나에 해당하는 경우를 말한다.\n1. 개선계획을 제출하지 아니한 경우\n2. 개선계획을 이행하지 아니한 경우\n제4조(포상금의 지급원칙) ① 법 제14조의2제1항에 따른 포상금(이하 \"포상금\"이라 한다)은 그 지급대상자의 제보등급 및 제보건수를 기준으로 공정하게 지급하여야 한다.\n② 포상금은 제9조의 규정에 따라 감독원장의 포상결정이 이루어진 당해 연도 예산의 범위 안에서 지급하며 다음 해에 이월하여 지급할 수 없다.\n제5조(신고 방법) ① 전기통신금융사기의 사기이용계좌로 의심할 만한 사정 등을 신고하고자 하는 자는 다음 각 호의 기준에 따라 감독원장에게 신고하여야 한다.\n1. 당해 신고의 내용이 전기통신금융사기와 관련이 있을 것\n2. 사기이용계좌의 명의인, 이용자, 거래자 등 사기이용계좌와 관련된 자(이하 \"위반행위자\"라 한다), 장소, 일시, 방법 등이 특정될 수 있도록 구체적인 사실을 적시할 것\n3. 당해 신고를 하는 자의 신원(성명·주소 및 전화번호)을 밝힐 것\n② 사기이용계좌로 의심할 만한 사정을 신고하고자 하는 경우에는 신고자가 사기이용계좌 신고서(별지 제1호의 서식)를 작성하여 직접 제출, 우편, 모사전송(FAX) 또는 인터넷 등을 통해 감독원장에게 신고하여야 한다.\n③ 수사기관이 제1항 및 제2항의 규정에 의한 신고를 접수하여 감독원장에게 이첩한 경우에도 감독원장에게 신고한 것으로 본다.\n제6조(신고 접수 및 처리 등) ① 감독원장은 제5조의 규정에 의하여 신고를 받은 경우에 그 내용을 순서에 따라 사기이용계좌 신고접수 및 처리내역서(별지 제2호 서식)에 기록·관리하여야 한다.\n② 감독원장은 신고사항이 다음 각 호의 어느 하나에 해당하는 경우에는 이를 접수하지 아니하거나 이미 접수한 때에는 조사 또는 심사를 하지 아니하고 처리를 종결할 수 있다. 이 경우에는 포상금을 지급하지 아니한다.\n1. 제5조의 규정에 의한 신고 방법에 부합되지 아니한 경우\n2. 신고자의 신원을 확인할 수 없거나 소재불명 등으로 연락이 두절된 경우\n3. 신고내용이 명백히 허위인 경우\n4. 동일한 사항에 대하여 조사가 진행 중이거나 종료된 경우\n5. 공시자료, 언론보도 등에 의하여 널리 알려진 사실이나 풍문을 바탕으로 신고한 경우로서 새로운 사실이나 증거가 없는 경우\n6. 신고내용이 조사 또는 심사 단서로서의 가치가 없다고 판단되는 경우\n7. 신고내용이 신고자 본인 또는 신고자의 배우자, 직계존·비속, 형제자매의 피해구제신청과 관련 있는 경우. 다만, 신고내용의 구체성 및 관련 위반행위 적발에의 기여도가 현저히 크다고 인정되는 경우에는 예외로 한다.\n8. 조사결과 신고자가 자신이 제보한 당해 위반행위와 관련하여 수사기관 또는 감독원장으로부터 조치를 받는 경우\n9. 행정기관 또는 공공단체에 근무하는 자가 그 직무와 관련하여 알게 된 내용을 신고한 경우\n10. 기타 신고내용 및 신고자에 대한 확인결과 조사 또는 심사의 실익이 없거나 포상금 지급이 명백히 불합리하다고 인정되는 경우\n③ 감독원장은 신고내용을 확인하기 위하여 신고자로부터 진술을 듣거나 필요한 자료의 제출을 요구할 수 있다.\n제7조(처리결과의 통지) ⓛ 감독원장은 신고에 대한 처리를 완결한 때에는 그 결과를 신고인에게 문서의 방법으로 통지한다.\n② 제1항의 규정에도 불구하고 다음 각 호의 경우에는 구술 또는 정보통신망을 통하여 통지할 수 있다. 다만, 신고인의 요청이 있는 경우에는 처리결과에 대한 문서를 교부하여야 한다.\n1. 구술 또는 인터넷 등 정보통신망을 통해 접수된 경우\n2. 신속을 요하거나 사안이 경미한 경우\n제8조(포상금 지급대상) ⓛ 포상금은 전기통신금융사기의 사기이용계좌로 의심할 만한 사정을 제5조의 규정에 따라 신고한 자로서 위반행위 등의 혐의 입증에 필요한 증거자료를 제출한 자에게 지급한다.\n② 1인이 2이상의 신고를 한 경우에는 각각의 포상금을 별도로 산정하여 지급한다. 다만, 위반행위자 또는 위반행위가 상당부분 중첩되는 경우에는 동일한 유형의 신고로 간주하여 이를 합산하지 아니하고 가장 큰 금액을 기준으로 포상금을 지급한다.\n③ 2인 이상이 동일한 사건에 대하여 각각 신고한 경우에는 최초의 신고자에 한하여 포상금을 지급한다.\n④ 2인 이상이 공동명의로 신고한 경우에는 신고자가 선정한 대표명의인에게 포상금을 지급한다.\n제9조(포상결정 등) 포상은 특별한 사유가 없는 한 매 분기별 실시함을 원칙으로 하고 감독원장이 필요하다고 인정하는 경우 수시로 실시할 수 있다.\n제10조(지급기준) ① 감독원장은 제5조제2항의 규정에 의한 신고서 및 제8조제1항의 규정에 의한 증거자료를 심사하여 포상대상자를 선정한다.\n② 포상금 산정기준은 별표와 같다.\n제11조(지급방법 및 절차) ① 별표의 기준에 따른 포상금 지급액은 그 포상대상자가 지정한 금융회사의 계좌로 입금하여야 한다. 다만, 부득이한 사유로 계좌입금이 어려운 경우에는 직접 전달할 수 있다.\n② 이미 지급한 포상금은 검찰, 법원 등의 무혐의 또는 무죄판결 등을 이유로 환수하지 아니한다.\n제12조(신고자의 비밀보호) ① 누구든지 직무와 관련하여 알게 된 신고자의 신분 등에 관한 비밀을 누설하여서는 아니 된다.\n② 신고자의 신분 등에 관한 비밀을 보호하기 위하여 필요하다고 인정되는 경우에는 조사 또는 심사결과 처리의견서 등 관련 서류 작성 시 신고자의 인적사항의 전부 또는 일부를 기재하지 아니할 수 있다.\n제13조(권한의 위탁) 감독원장은 이 규정의 시행에 필요한 세부사항을 따로 정할 수 있다.\n제14조(재검토기한) 「훈령·예규 등의 발령 및 관리에 관한 규정」(대통령훈령 제248호)에 따라 이 규정 발령 후의 법령이나 현실여건의 변화 등을 검토하여 이 규정의 유지, 폐지, 개정 등의 조치를 하여야 하는 기한은 2015년 7월 1일을 기준으로 매 2년이 되는 시점(매 2년째의 6월 30일까지를 말한다)으로 한다.\n[본조신설 2015. 6. 30.]\n부칙 <제2015-20호, 2015. 6. 30.>\n이 규정은 2015년 7월 1일부터 시행한다.\niVBORw0KGgoAAAANSUhEUgAAAT0AAADECAYAAADtcfb4AAAACXBIWXMAAAsTAAALEwEAmpwYAAAK T2lDQ1BQaG90b3Nob3AgSUNDIHByb2ZpbGUAAHjanVNnVFPpFj333vRCS4iAlEtvUhUIIFJCi4AU kSYqIQkQSoghodkVUcERRUUEG8igiAOOjoCMFVEsDIoK2AfkIaKOg6OIisr74Xuja9a89+bN/rXX Pues852zzwfACAyWSDNRNYAMqUIeEeCDx8TG4eQuQIEKJHAAEAizZCFz/SMBAPh+PDwrIsAHvgAB eNMLCADATZvAMByH/w/qQplcAYCEAcB0kThLCIAUAEB6jkKmAEBGAYCdmCZTAKAEAGDLY2LjAFAt AGAnf+bTAICd+Jl7AQBblCEVAaCRACATZYhEAGg7AKzPVopFAFgwABRmS8Q5ANgtADBJV2ZIALC3 AMDOEAuyAAgMADBRiIUpAAR7AGDIIyN4AISZABRG8lc88SuuEOcqAAB4mbI8uSQ5RYFbCC1xB1dX Lh4ozkkXKxQ2YQJhmkAuwnmZGTKBNA/g88wAAKCRFRHgg/P9eM4Ors7ONo62Dl8t6r8G/yJiYuP+ 5c+rcEAAAOF0ftH+LC+zGoA7BoBt/qIl7gRoXgugdfeLZrIPQLUAoOnaV/Nw+H48PEWhkLnZ2eXk 5NhKxEJbYcpXff5nwl/AV/1s+X48/Pf14L7iJIEyXYFHBPjgwsz0TKUcz5IJhGLc5o9H/LcL//wd 0yLESWK5WCoU41EScY5EmozzMqUiiUKSKcUl0v9k4t8s+wM+3zUAsGo+AXuRLahdYwP2SycQWHTA 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