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브레이크뉴스 정민우 기자= 지난해 금융당국으로부터 제재를 받은 금융사들의 과징금 및 과태료가 439억원을 넘은 것으로 집계됐다. 전년 대비 3배 가까운 수준의 증가다.
가장 많은 과징금‧과태료를 부과받은 금융사는 ‘토스’ 운영사인 비바리퍼블리카로 총 60억원이 부과됐다. 가장 많은 제재 금액을 부과받은 업종은 국내은행으로 17개사, 81억4000만원이었다.
9일 CEO스코어에 따르면 2022년 1월부터 2024년 12월까지 조사대상 기간 제출한 784건의 보고서 중 기관에 대한 제재내용이 있는 431건(임직원 등에 대한 제재내용만 있는 경우 제외)에 대해 금융감독원의 금융회사 검사 결과를 조사한 결과, 지난해 금융사들에 부과된 과징금‧과태료는 총 439억2000만원에 달했다. 이는 전년 152억7000억원 대비 2.9배에 달하는 수준이다.
지난해 금감원은 166개 금융사에 218건의 제재, 192건의 과징금 및 과태료를 부과했다. 그 결과 과징금은 총 241억7000만원, 과태료는 197억5000만원이 각각 부과됐다.
개별 금융사 중에서는 토스가 지난해에만 60억원의 과징금 및 과태료를 부과받아 가장 많았다. 과징금 53억7000만원, 과태료 6억3000만원을 각각 부과받았다.
토스는 2021년 11월 2일부터 2022년 4월 13일까지 한 전자영수증 솔루션 업체로부터 제공받은 거래 정보 2928만2869건을 동의 없이 사업성 분석 목적으로 이용한 것으로 금감원 검사 결과 드러났다. 또한, 토스 회원가입시 개인신용정보 수집 과정에서 선택적 동의사항을 ‘필수적 동의사항’으로 표시, 463만여 명의 개인정보를 수집했다.
이에 따라 금감원은 토스에 대해 △정보집합물 부당결합을 통한 개인신용정보 부당 이용 및 제공‧활용 동의절차 부당 운영 △신용정보전산시스템 안전보호 의무 위반 △겸영업무 신고의무 위반 △‘내보험 조회서비스’ 관련 개인신용정보 부당 수집·이용 및 프로그램 변경‧통제 불철저 혐의로 기관주의 조치와 함께 이 같은 제재를 내렸다.
이어 신용협동조합중앙회(신협)은 지난해 29억9000만원의 과징금·과태료를 부과받았다. 과징금 28억7000만원, 과태료 1억1000만원이다. 신협의 한 직원은 개인신용정보 1만8465건이 포함된 문서를 퇴직 이후 감사로 이직할 예정이었던 타 신협의 감사업무에 참고할 목적으로 해당 조합 직원에게 전송했다. 이에 따라 금감원은 신협에 대해 기관경고 제재와 함께 과징금·과태료를 부과했다.
삼성생명보험은 지난해 4건의 제재를 받아 총 24억7000만원의 과징금·과태료를 부과받았다. 과징금은 20억2000만원, 과태료는 4억5000만원이다. 지난해 1월 5일 암입원적용률 산출오류 및 기초서류 관리기준 미준수 등으로 과태료 8000만원을, 같은 해 5월 8일에는 녹취의무 위반 등으로 과태료 3억7000만원을 부과받았다.
아울러 11월 25일에는 보험계약의 체결 또는 모집에 관한 금지행위 위반으로 과징금 20억2000만원이 각각 부과됐다. 삼성생명은 2017년 11월부터 2020년 3월까지 일반투자자 122명에게 펀드 125계좌(약 229억원어치)를 판매하는 과정에서 자본시장법상 중요사항에 대한 설명의무를 위반했다.
다음으로 아이엠뱅크(구 DGB대구은행)는 20억원(제재 1건), 수협은행은 19억1000만원(제재 2건)의 과태료를 각각 부과받았다.
아이엠뱅크는 2021년 8월부터 2023년 7월까지 고객 1547명 명의의 은행예금 연계 증권계좌 1657건을 임의 개설한 것으로 금감원 검사 결과 밝혀졌다. 계약 서류인 증권계좌개설서비스 이용약관을 제공하지 않은 사실도 확인됐다.
수협은행은 집행부행장 등 4명에 대한 임원 선임 사실과 자격요건 적합 여부를 7영업일 이내 공시하지 않았으며, 펀드투자권유자문인력 자격이 없는 직원을 펀드‧신탁 판매 가능 직원으로 분류한 사실이 드러났다. 이러한 혐의 등으로 지난해 5월 29일 과태료 15억5000만원을 부과받았다. 같은 해 12월 27일에는 채무불이행정보 등록 금지 의무 위반, 광고 전송 과정에서 개인 신용정보를 부당하게 이용한 혐의 등으로 과태료 3억6000만원이 부과됐다.
이 밖에도 △미래에셋생명보험 18억8000만원(제재 3건) △에이치비저축은행 16억2000만원(제재 1건) △우리은행 14억1000만원(제재 3건) △예가람저축은행 13억9000만원(제재 1건) △미래에셋증권 13억5000만원(제재 3건) 등이었다.
금융사 업종별로는 국내은행(17개사)이 지난해 부과받은 과징금·과태료가 81억4000만원으로 가장 많았다.
생명보험사(15개사)가 76억7000만원으로 뒤를 이었으며 △기타(6개사) 71억7000만원 △자산운용사(50개사) 57억9000만원 △저축은행(13개사) 54억7000만원 △신용협동조합(2개사) 32억원 △증권사(12개사) 30억6000만원 △손해보험사(6개사) 15억1000만원 △외은지점(6개사) 4억원 △보험대리점(20개사) 2억9000만원 등이었다.
이어 △신용카드사(3개사) 2억8000만원 △금융지주사(3개사) 2억6000만원 △부동산신탁사(3개사) 1억6000만원 △농업협동조합(2개사) 1억3000만원 △할부금융사(1개사) 1억1000만원 △리스사(2개사) 9280만원 △신기술금융사(각 1개사) 8000만원 △투자자문사 4680만원 △선물사 4000만원 △산림조합 2040만원 △대부업 200만원 순으로 집계됐다.
break9874@naver.com
*아래는 위 기사를 '구글 번역'으로 번역한 영문 기사의 [전문]입니다. '구글번역'은 이해도 높이기를 위해 노력하고 있습니다. 영문 번역에 오류가 있을 수 있음을 전제로 합니다.<*The following is [the full text] of the English article translated by 'Google Translate'. 'Google Translate' is working hard to improve understanding. It is assumed that there may be errors in the English translation.>
Financial companies to exceed 43.9 billion won in fines and penalties in 2024..Toss highest at 6 billion won
Last year, the fines and penalties imposed on financial institutions by financial authorities exceeded 43.9 billion won. This is an increase of nearly three times compared to the previous year.
The financial institution that received the most fines and penalties was Viva Republica, the operator of Toss, with a total of 6 billion won. The industry that received the largest amount of sanctions was domestic banks, with 17 companies and 8.14 billion won.
According to CEO Score on the 9th, the Financial Supervisory Service investigated the results of its financial institution inspections of 431 cases (excluding cases where there were only sanctions against executives and employees) out of 784 reports submitted during the investigation period from January 2022 to December 2024, which contained sanctions against institutions. The results showed that the total amount of fines and penalties imposed on financial institutions last year amounted to 43.92 billion won. This is 2.9 times the previous year's 15.27 billion won.
Last year, the Financial Supervisory Service imposed 218 sanctions and 192 fines and penalties on 166 financial institutions. As a result, a total of 24.17 billion won in fines and 19.75 billion won in penalties were imposed.
Among individual financial institutions, Toss was the most, receiving 6 billion won in fines and penalties last year alone. It was imposed 5.37 billion won in fines and 630 million won in penalties.
The Financial Supervisory Service's inspection revealed that Toss used 29,282,869 transaction information provided by an electronic receipt solution company from November 2, 2021 to April 13, 2022 without consent for the purpose of analyzing business feasibility. In addition, when signing up for Toss membership, the optional consent items were marked as ‘mandatory consent items’ during the process of collecting personal credit information, and personal information of approximately 4.63 million people was collected.
Accordingly, the Financial Supervisory Service imposed the following sanctions on Toss along with the institutional warning measures on the following charges: △Unfair use of personal credit information through unfair combination of information sets and unfair operation of consent procedures for provision and use, △Violation of obligation to protect the safety of credit information computer systems, △Violation of obligation to report concurrent business, and △Unfair collection and use of personal credit information and lack of thorough program changes and control related to the ‘My Insurance Inquiry Service.’
Following this, the National Credit Union Federation (NCF) was imposed with a fine and penalty of 2.99 billion won last year. The fine was 2.87 billion won and the penalty was 110 million won. An employee of NCF sent a document containing 18,465 pieces of personal credit information to an employee of another NCF for reference in the audit work of another NCF where he was planning to move to an auditor after retirement. Accordingly, the Financial Supervisory Service imposed a warning on Shinhyup along with fines and penalties.
Samsung Life Insurance received four sanctions last year, and was imposed a total of 2.47 billion won in fines and penalties. The fines were 2.02 billion won and the penalty was 450 million won. On January 5 of last year, a penalty of 80 million won was imposed for errors in calculating the cancer hospitalization rate and failure to comply with basic document management standards, and on May 8 of the same year, a penalty of 370 million won was imposed for violation of the recording obligation.
In addition, on November 25, a penalty of 2.02 billion won was imposed for violation of prohibited acts related to the conclusion or solicitation of insurance contracts. Samsung Life Insurance violated its obligation to explain important matters under the Capital Market Act while selling 125 fund accounts (approximately KRW 22.9 billion) to 122 general investors from November 2017 to March 2020.
Next, IM Bank (formerly DGB Daegu Bank) was fined KRW 2 billion (1 sanction) and Suhyup Bank was fined KRW 1.91 billion (2 sanctions).
The Financial Supervisory Service's inspection revealed that IM Bank opened 1,657 bank deposit-linked securities accounts in the names of 1,547 customers from August 2021 to July 2023. It was also confirmed that the contract document, the Terms and Conditions of Use for the Securities Account Opening Service, was not provided.
It was revealed that Suhyup Bank did not disclose the fact of appointment of four executives, including the executive vice president, and whether they met the qualification requirements within 7 business days, and classified employees who were not qualified as fund investment recommendation advisors as employees who could sell funds and trusts. On May 29th of last year, it was levied a fine of 1.55 billion won for these charges. On December 27th of the same year, it was levied a fine of 360 million won for violation of the obligation to prohibit registration of default information and for unfairly using personal credit information during the process of sending advertisements. In addition, there were △Mirae Asset Life Insurance 1.88 billion won (3 sanctions) △HB Savings Bank 1.62 billion won (1 sanction) △Woori Bank 1.41 billion won (3 sanctions) △Yegaram Savings Bank 1.39 billion won (1 sanction) △Mirae Asset Securities 1.35 billion won (3 sanctions), etc.
By financial industry, domestic banks (17 companies) received the most fines and penalties last year, at 8.14 billion won.
Life insurance companies (15 companies) followed with 7.67 billion won, followed by △Others (6 companies) with 7.17 billion won, △Asset management companies (50 companies) with 5.79 billion won, △Savings banks (13 companies) with 5.47 billion won, △Credit unions (2 companies) with 3.2 billion won, △Securities companies (12 companies) with 3.06 billion won, △Non-life insurance companies (6 companies) with 1.51 billion won, △Foreign bank branches (6 companies) with 400 million won, and △Insurance agencies (20 companies) with 290 million won. Next, it was tallied in the following order: △Credit card companies (3 companies) 280 million won, △Financial holding companies (3 companies) 260 million won, △Real estate trust companies (3 companies) 160 million won, △Agricultural cooperatives (2 companies) 130 million won, △Installment finance company (1 company) 110 million won, △Leasing companies (2 companies) 92.8 million won, △New technology finance companies (1 company each) 80 million won, △Investment consulting companies 46.8 million won, △Futures companies 40 million won, △Forestry cooperatives 20.4 million won, △Loan companies 2 million won.
