This creates a court-driven deadline for the Union government to formalize a cross-agency response process rather than leaving banks to follow fragmented internal steps. A single SOP can standardize actions such as temporary debit-card holds and coordination with telecom controls, changing what banks and telcos are expected to do immediately after a fraud report. The order also increases scrutiny on bank-side negligence or collusion, raising compliance and audit pressure on bank officials handling fraud prevention and response.