Why take out the passport from the cover. The Commissioner for Human Rights of the Leningrad Region turned to Elvira Nabiullina. How to order a passport cover with your own design
FROM from a scientific point of view, it is curious in that it demonstrates the micromechanics of absurdity, which is injected into our lives in small but regular portions. And teaches the absurd bigger size, which has been our way of life for 15 years.
Creative first: cover
Somehow I go to an additional office at 41, Nauki Ave., which has long served as an experimental site and an object of laboratory work for me. I give the cashier a passbook and a passport in order to deposit money. And the cashier, to my great surprise, without asking my permission, suddenly removes the plastic cover from my passport and puts the passport into the device for checking the authenticity of the document. For some reason, for several years before that moment, the tellers had been sticking a passport with a cover, and on May 28, 2015, it seemed to them that they should put it without a cover.
Naturally, I was surprised, and since I am a special client in the specified office and my complaints can be pasted over not only all the walls of the office, but also a noticeable part of the ceiling, head. the office immediately handed me some paper - no details, no date, no addressee and signature, but with the Sberbank logo on top and the uplifting slogan "Always there."
I don’t want to upset the bank and readers in the morning, but actually this piece without a subject is part of the Latin phrase Semper mors subest, which is popular in tattoo parlors, which roughly means: “Death is always nearby” or “Death is always ready.” In general, the bank, like death, is always there and always ready, the meaning of the slogan is this. And it has a deep meaning.
So, on the paper submitted to me at the end of the text it is indicated: “Before the start of the check for the necessary identification of the client, an identity document must be presented to the employee of the department without covers.”
And above, two documents are named, on the basis of which this categorical conclusion was made: 1) Law No. 115-FZ of 08/07/2001 "On counteracting the legalization (laundering) of proceeds from crime and the financing of terrorism" and 2) the regulation of the Central Bank of the Russian Federation "On identification by credit institutions of clients and beneficiaries in order to counteract the legalization (laundering) of proceeds from crime and the financing of terrorism” No. 262-P of 19.08.2004.
Well, I say, I will not write a complaint now, but I will study these documents at home.
I studied and found out that neither of the two named documents says anything about the cover / covers! Therefore, eating a plastic cover from a passport cover is just an initiative of bank employees, which has no legal basis. This is the first conclusion.
Law No. 115-FZ contains Article 6 “Transactions with cash or other property subject to mandatory control”. According to this article, the crediting of funds to the account and withdrawal from the account are not subject to mandatory control at all if the amount does not exceed 600,000 rubles. And if it exceeds, then there are a number of conditions, and my case did not fall under any of them, so the Sberbank cashier in vain strained so much in my case.
According to Art. 7, it is really necessary to present a passport in order to identify the client, and in my case, a simplified identification is sufficient, since it is unlikely that Sberbank has information that I am involved in terrorism, finance it and launder the proceeds of crime (Article 7, p .1.11). But nothing about removing the cover from the cover of the passport in Art. 7 is not said.
Now about the second document - the regulation of the Central Bank No. 262-P. This is a very curious text, from which, in particular, it follows that Sberbank not only identifies the client by the presented passport, but also checks in the all-Russian database whether there is a passport of such and such a series and number issued to such and such a person. According to clause 2.2, “in order to verify the validity of the passport of an individual who is a citizen Russian Federation, the credit institution uses the information service "Checking the validity of the passport of a citizen of the Russian Federation, proving the identity of a citizen of the Russian Federation on the territory of the Russian Federation" on the official website of the Federal Migration Service on the Internet.
That is, when contacting Sberbank, the client also every time gives a passport to check its presence in the FMS database. This is not even in Law No. 115-FZ. As for the removal of the plastic cover from the cover of the passport, such a procedure is not provided for in the regulation of the Central Bank No. 262-P.
So, the next time I came to the Sberbank office, I wrote an application to the book of applications and proposals with a request to indicate to me the legal grounds for the requirement to remove the cover. And I received a response from Moscow dated 06/05/2015 No. 000255-2015-048936, signed by S.V. Bogdashkina.
She could not give legal grounds, but after three ritual paragraphs composed to disperse, Bogdashkina said that “in order to make it difficult to check the passport, fraudsters use special covers with transparent plastic pockets for each page of the document (in reality, such “covers” can hide: traces incision, traces of re-gluing the photograph)”. Therefore, “if the need arises related to additional verification of the presented document (passport), the Bank employee may offer the client to hand over the passport for verification, its visual inspection and detection of signs of forgery on the appropriate equipment using ultraviolet and infrared study. At the same time, the client is invited to free all pages of the passport from the cover, if any ”(I keep Bogdashkina’s spelling).
I note, firstly, that I don’t fasten “pockets” or covers on each page of my passport and never have, so my passport is “verifiable” right away. And the plastic cover put on the cover of the passport has nothing to do with what is required to identify my personality and even identify my passport according to the FMS database. Therefore, the removal of the plastic cover from the cover of the passport is not mentioned even in the regulation of the Central Bank No. 262-P. That is, in my case, the requirement to remove covers from each page of the passport does not apply at all. There were no covers. In addition, the position of the Central Bank does not say anything about “pockets” or about covers anyway. But maybe they were promised bonuses for every fake passport they found, which is why they are trying so hard?
But it is also clear that the country of Russia is not the place where someone can admit they are wrong. How is it that one small customer is right and such a big bank is wrong? It can not be! And, of course, she did not admit guilt for the senseless actions of Bogdashkin. She wrote in response words that do not apply to my particular case, but did not recognize. She's not sitting there to admit anything. On the contrary, she is there precisely in order to inform clients that all inconveniences are created for their own benefit.
And secondly, it is not clear to me why in my case, with simplified identification, according to all the signs of both documents in question, and even with very modest amounts that I deposit or withdraw, systematically there is a need for additional verification of my passports? Do cashiers, having barely looked at me, immediately understand that this is exactly what terrorists are? Or, it is precisely people like me who forge passports and re-paste photographs ... And therefore, it is precisely in the case of me that one must exercise extreme caution.
By the way, office employees, unlike me, do not read laws, regulations and other legal documents themselves, do not think about the meaning of the requirements, but blindly fulfill them. Naturally, they are angry with me for explaining to them that their actions are illegal and senseless. They may have a slight idea of this, but they are afraid to think this thought through to the end. That this is not prudence, but stupidity, barely covered by the fig leaf of the fight against terrorists. Stupidity that only creates inconvenience: take off the cover, put on the cover, although there is not the slightest sense in this. But measures to strengthen measures have been taken.
Creative second: exchange
As soon as I figured out in detail the excess of authority that is associated with the cover on the passport, when suddenly a new attraction was discovered in Sberbank, which is always nearby. I went to the office at 41 Nauki Avenue on June 10 to change 1000 rubles. The employee all tensed up, as it should be when meeting with the enemy, and suspiciously asks: why do you need this? I calmly answer: what is your business? “I won’t change money for you,” she says. The head of the office, who knows me, hisses at her from behind: exchange, exchange ... But it wasn’t there! “Great,” I say stubbornly, “while I write a complaint, you will think a little about your behavior, and then do what I ask.” I wrote a complaint, she told me 1000 rubles. changed and I left.
And on June 18, a certain Alexandra from the quality department of Sberbank called me and asked in a childish voice: “Did you write a statement?” I reminded her that I was waiting for a written response, not a soul-saving conversation. Nevertheless, she said that, of course, I was wrong, because in order to change money, a client's application and presentation of a passport are required. “In order to exchange a thousand rubles?” “Yes,” Alexandra says. “Oh how,” I say. “And the foundation?” - "Internal instruction". - "And what is written in it?" - "No, we won't let you read it, it's internal." - "Well, let's send a written answer."
So far I have not received this answer, but two circumstances are already clear.
Firstly, such an internal instruction, according to Part 3 of Art. 15 of the Constitution, has no legal force at all, since the document affects my rights and obligations. Internal documents that are not published are legally void for clients.
Secondly, according to Law No. 115-FZ, Article 6 “Transactions with cash or other property subject to mandatory control”, an operation to exchange banknotes of one denomination for banknotes of another denomination is subject to mandatory control (i.e., submission of an application indicating passport data, presentation of a passport, personal identification and the passport itself in the FMS database) only if the amount for which the exchange is made is equal to or exceeds 600,000 rubles or is equal to the amount in foreign currency equivalent to 600,000 rubles.
And, let me explain, “mandatory control” is (according to the same law No. 115-FZ) “a set of measures taken by the authorized body to control operations with cash or other property based on information provided to it by organizations engaged in such operations, as well as to verify this information in accordance with the legislation of the Russian Federation. That is, we are talking about the fact that, say, the Central Bank, as an authorized body, should control such operations of Sberbank, but only if the amount exceeds 600 thousand rubles.
Exchange of 1000 rubles under Art. 6, paragraph 1 of Law No. 115-FZ can be carried out without mandatory control. Again, if I do not arouse particular suspicion among Sberbank employees of involvement in terrorism. But since I am constantly suspected of terrorism in Sberbank, the information that, say, 06/23/2015 they exchanged 10 thousand rubles for me has already gone to Moscow, and Elvira Nabiulina has long been sitting and racking her brains: what did he stir up? Zolotonosov this time, exchanging such a crazy amount of money? No other way than to finance ISIS.
Sberbank has developed a special form 423 "Application for the exchange of cash." So I gave two banknotes of 5 thousand rubles each and asked to exchange them for a thousand. After that, an application was issued, it contains all my passport data, including the address, and the amount that I wanted to exchange. I had to sign the application.
Form 423 contains a table that lists all coin denominations (from 1 kopeck to 10 rubles) and all banknote denominations (from 10 to 5,000 rubles). It obviously means that I will bring the coins for exchange: let's say, I will accumulate a hundred pieces of 1 kopeck. and I will come to the Sberbank office to exchange them for 1 ruble. And information about this will immediately go to the Central Bank for analysis. True, the computer issues an application only starting from the amount of 10 rubles. I have done laboratory work and now I have an application for f. 423, according to which on June 27 I exchanged 10 rubles. Now, with the next terrorist attack, I will no longer be able to get out: I exchanged it, here is the document!
All of this would make some sense if the banknote numbers were indicated in the application in case they later turned out to be counterfeit. But this is not the case! What's the point then? Why all this trouble? Yes, there is no point! Previously, it was possible to change money easily and quickly, but now it’s a whole banking operation, and you have to sit in line, the teller enters passport data into the computer, checks the passport in the FMS database ... As for coins, they don’t have numbers at all, and you can bring 1000 coins of 10 rubles each, and no one during the exchange will still be able to verify their authenticity. There is no equipment.
However, if the goal is to find another reason to identify fake passports, then everything turns out to be quite reasonable and justified. The more reasons, the better.
And so I think: what happened there? Maybe some retiree from the authorities recently came to the security service of Sberbank and is trying to make himself known, showing jealousy? Perhaps a person wants to offer some kind of creativity and try to surprise everyone with something ... I've already been surprised.
However, there is still one change for the better. Now they take my passport for identification at the Sberbank office, but they don’t remove the cover. I guess this is the result of my hard work. .
Mikhail ZOLOTONOSOV, photo
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Writes to proscrap
As a basis, we need two side parts of the cover and a middle spine. Because the cover, in my opinion, should not be very thick and heavy, for the side parts I use beer cardboard with a thickness of about 1–1.5 mm, and for the middle, thin cardboard or paper with a density of 200–250 g/m2. The sizes below are suitable for Russian passports :)
We cut out our base according to the indicated sizes:
On the cardboard-spine in the middle we apply scoring lines at a distance of 1 cm from each other, and between them we make a big several more times, this will allow the spine to bend well.
To give softness to the cover, I glued the side cardboard with a layer of white fleece. And then I glued them to the middle, stepping back 5 mm from the left and right fold lines. To create neat fold lines quickly and clearly, I use a Scor-It-All creasing board. But they can also be applied with a ruler and a non-writing pen or knitting needle :)
I propose to mount magnets in our cover - it will be very pleasant to close and will not open on its own without a slight effort. I cut from the inside of our workpiece such holes according to the size of the magnet. But the cardboard is not completely cut through, but only its layer is removed.
Using Super Moment Gel glue, I glue the magnets. At this step, it is necessary to check which side of the magnet is glued to its pair, so that the two sides of the cover are attracted to each other, and not repelled.
Now you can start wrapping the workpiece with fabric. It is better to choose a fabric that is rather thin (patchwork fabrics are ideal), and with a medium-sized pattern, because. by itself ready product pretty small. Cut out a piece of fabric, leaving 1.5 cm around the edges of the workpiece.
I advise you to iron and starch the fabric well, and in some cases even put it on a layer of non-woven fabric in those parts where we will have the sides of the workpiece to be glued.
Next, using glue a la PVA (I use the proven Korfix), we glue the upper and lower free parts of the fabric to the workpiece. It is advisable to apply the glue in a very thin layer, then it will not come through the fabric, but simply fix it securely.
Now our task is to make neat corners. There are many ways, but I like the one shown below the most. First, iron the fabric like this:
Then in this way:
We do the same with the upper corner, and glue the side of the fabric to the cardboard base.
We do the same with the left side. It turns out already something similar to a cute passport cover:
When we insert the document into the cover, the middle will not be visible. But the products must be beautiful both outside and inside, so I also glue the middle with a strip of fabric. The strip is cut in height like our cover (13.5 cm), and in width about 5 cm.
Smooth the top and bottom raw edges with an iron wrong side, about 5 mm. 
And glue the prepared strip in the middle from the inside of the cover. 
It should look like this: > 
Now let's make paper endpapers inside with sidewalls for the passport crust. I used scrapbooking paper, but plain thick paper will do. colored paper. We cut out the endpapers themselves - 2 pieces of paper measuring 8.2x12.8 cm. And also strips of paper for side holders - 5x15 cm. 
On the side pockets along the long side, we make a fold line at a distance of 1 cm from the edge, and try on the previously cut paper from above and below, leave a reserve of 1 mm and make a big. Corners after that it is better to cut off. 
Now we create folds along the scoring lines and glue the pockets to our side parts: 
We try on the cover - everything is fine. 
I lightly tone the edges of the paper with distress ink. This is not at all to give the effect of antiquity, more often such toning simply gives the paper a finished look. If you look closely at the finished sheets of scrapbooking paper, you will often notice that it has a slight toning effect around the perimeter. The main thing here is not to overdo it :)
Now you can go into creativity with your head and decorate the future cover. When decorating a passport cover, I advise you to pay attention to the elements that are in ordinary life seem very small to us. Because the product is small, then often 2-centimeter lace, for example, looks bulky. Endpapers can also be decorated with stamps, embossing, sprays or machine stitches.
It remains to glue the side parts to the cover. I switched to UHU glue, in this work I used Twist & Glue. You can use Moment Crystal in the old fashioned way, but over time I developed unpleasant sensations associated with its pungent smell. When gluing the side parts, I try to make sure that the distance from the top, bottom and from the side that goes right through is about the same.
I got this cover:
We try on the passport - everything is fine. Usually, according to the given dimensions, the cover sits well. But we can always make a mistake somewhere, so if you are making a cover for the first time, it is better to try it on your passport during the entire work on it.
Well, it remains to make her pose. It always seems to me that handmade things, when they are photographed with love and are going to be worn and cherished, smile at the camera :)
