In a significant move to combat fraud, UK banks are set to implement new rules for customers 'suspected of fraud', including a delay in real-time payments by up to 3 days. This decision aims to provide banks with more time to investigate Authorized Push Payment (APP) fraud, which now eclipses card fraud in the UK. The changes are part of broader efforts to address financial crimes, including a new UK bill that proposes banks act as 'unofficial cops' in identifying social security fraudsters. However, UK lenders are expressing concerns that this could infringe on customer privacy by allowing the government to 'snoop on bank customers' under the guise of preventing fraudulent claims of state benefits.