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(Adds comments from bank experts in paragraphs 9-18)

entry into the deposit insurance system, which allows banks to work with individual accounts, to banks with impeccable financial reports.

"Facts confirm that the Central Bank made full use of the selective principle when including banks into the deposit insurance system," Frenkel wrote in his letter carried by Kommersant, and added that the law on money laundering had been designed specifically for the purpose.

"The Central Bank does not care about economic crimes or the funding of terrorism," he said. "A simple formula has been invented. It is enough to find two delayed reports to the financial monitoring service a year, which happens with at least 95% of banks, and there you go - repeat violations of law 115."

The Russian Prosecutor General's Office reacted immediately to the letter, saying it was a defensive move.

"Custody may have this effect on people and their thoughts, they start writing letters and appeals. Why didn't he say this

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