Ni ibihano bikubiye mu mabwiriza rusange yo ku wa 25 Mata 2023 agena ibihano byo mu rwego rw'ubutegetsi bihabwa ikigo kigenzurwa kitubahiriza ibisabwa mu gukumira iyezandonke, gutera inkunga iterabwoba no gutera inkunga ikwirakwiza ry'intwaro za kirimbuzi. Yasimbuye ayo muri Kamena 2020.
Ni amabwiriza areba ibigo bigenzurwa na Banki Nkuru y'u Rwanda, birimo amabanki, ibigo by'imari iciriritse byakira amafaranga abitswa, abatanga serivisi z'imari batakira amafaranga abitswa, ibigo bikora imirimo y'ikodesha-gurisha, ibigo by'ubwishingizi bw'igihe kirekire n'ibigo by'ubwiteganyirize bwa pansiyo.
Harimo kandi abatanga serivisi ku bigega by'ubwizerane n'amasosiyete y'ubucuruzi, abatanga serivisi zo kwishyurana n'ibindi bigo bitanga serivisi z'imari bigenzurwa na Banki Nkuru.
Ni ibihano bizajya bifatwa mu gihe ubugenzuzi bwa BNR bugaragaje ko hari amakosa yakozwe; cyangwa ko hatubahirijwe inama itangwa n'inzego zibifitiye ububasha, zirimo nk'Urwego Rushinzwe Ubutasi ku mari.
Ibyo kandi bizajya bikorwa hitawe ku kigero cy'ingorane z'iyezandonke, cyo gutera inkunga iterabwoba n'icyo gutera inkunga ikwirakwiza ry'intwaro za kirimbuzi.
Ibihano biteganywa ku bigo by'imari birimo kwihanangirizwa mu nyandiko cyangwa guhagarika inkunga yose yatangwaga na Banki Nkuru.
Hari kandi kubuza ikigo kwishyura inyungu buri munyamigabane agenerwa; kukibuza gushyiraho amashami mashya cyangwa gushora imari mu bindi bikorwa cyangwa kwagura ibikorwa biriho.
Mu bihano bikarishye harimo "guhagarikirwa uruhushya mu gihe kitarenze amezi atandatu"; cyangwa "kwamburwa uruhushya rwa gukora."
Binateganywa ko iyo Banki Nkuru isanze umwe mu bagize Inama y'ubuyobozi cyangwa umuyobozi mukuru w'ikigo kigenzurwa yararenze ku biteganywa n'Itegeko, ishobora kumufatira ibihano butewe n'uburemere bw'ikosa.
Ibyo bihano birimo "Kumwihanangiriza mu nyandiko; Kumuhagarika by'agateganyo; Gukuraho icyemezo kimwemerera gukora mu kigo kigenzurwa" cyangwa "Kumwirukana."
Biteganywa ko iyo uyu muyobozi amenye ko biriya byaha byabayeho, agomba guhita abimenyesha Banki Nkuru.
Ibihano mu mafaranga
Aya mabwiriza anagaragaza ko Banki Nkuru ishobora gukoresha ibihano by'amafaranga bijyanye n'amakosa, akishyurwa mu gihe cy'iminsi icumi ikigo kimaze kwakira ibaruwa ibamenyesha ibihano by'amafaranga.
Iyo ikigo kigenzurwa kitishyuye ku bushake, amafaranga yaciwe akurwa kuri konti y'icyo kigo iri muri Banki Nkuru cyangwa hagakoreshwa ifatiratambama ribanzirizwa n'inyandiko imenyesha inyujijwe ku muhesha w'inkiko.
Ni ibihano biri hagati ya 10,000,000 Frw na 100,000 Frw bitewe n'ikosa, ndetse n'icyiciro ikigo kirimo.
Icyiciro cya mbere kirimo banki z'ubucuruzi ari nazo zishobora gucibwa amafaranga menshi, ibyiciro bikaba ari birindwi.
Mu makosa atangirwa iki gihano gikuru harimo kutagira uburyo bw'imbere mu kigo bwo gutahura no kumenyekanisha ibikorwa bidasanzwe kandi bikemangwa, cyangwa kudashyikiriza Urwego rushinzwe ubutasi ku mari "raporo z'ibikorwa bikemangwa na raporo yo kubika cyangwa kubikuza amafaranga," cyangwa "Kudashyiraho uburyo bwo kugenzura abantu bagaragara mu rwego rwa politiki."
Mu yandi makosa ahanishwa igihano gishobora kugera kuri 5.000.000 Frw bitewe n'icyiciro cy'ikigo, harimo "kutagira politiki yo kubuza konti zigizwe n'imibare gusa cyangwa konti zitagira amazina, konti zifite amazina ya baringa no kubuza imibanire n'amasosiyete ya baringa."
Ni kimwe no "kutagira uburyo bwo kugenzura urutonde rw'abantu bagaragara mu rwego rwa politiki, urutonde rw'abantu cyangwa ibigo byafatiwe ibihano n'Umuryango w'Abibumbye n'urutonde rukorwa n'ikigo ubwacyo rw'abakiriya bashobora guteza ingorane zikomeye."
Harimo kandi kudashyira mu bikorwa ingamba zijyanye no kugira ubushishozi ku bakiriya, hagenzurwa imyirondoro yabo baba ari abakiriya bahoraho, abadahoraho, abantu ku giti cyabo cyangwa ibigo bifite ubuzima gatozi, cyangwa byashyizweho hashingiwe ku masezerano, n'ibindi.
Ni kimwe no kutagira amakuru akwiye kandi ahuje n'igihe kuri ba nyiri amakonti, nubwo umukiriya yaba ari umuhuza cyangwa umuntu uhagarariye undi mu buryo bwemewe.
Ikigo kigenzurwa gishobora kujuririra Banki Nkuru ibihano by'amafaranga cyangwa igihano cyo mu rwego rw'ubutegetsi cyatanzwe mu gihe kitarenze iminsi irindwi y'akazi, ibarwa uhereye ku munsi ibaruwa ikimenyesha igihano yakiriweho.
