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‘Withdraw Regulations On Customers’ Social Media Handles Or Face Legal Action’, SERAP Tells CBN
Published
2 years agoon
By
Editor
Socio-Economic Rights and Accountability Project (SERAP) has urged Mr Folashodun Shonubi, Acting Governor, Central Bank of Nigeria (CBN) to “immediately delete the patently unlawful provisions in the Central Bank of Nigeria (Customer Due Diligence) Regulations directing banks to obtain information on customers’ social media handles for the purpose of identification.”
SERAP also urged him to “withdraw the Circular number FPR/DIR/PUB/CIR/007/076 of 20 June 2023 mandating banks and other financial institutions to implement and comply with the unlawful mandatory provisions on customers’ social media handles in the CBN Regulations.”
According to Section 6(a)(iv) of the CBN Regulations, banks and other financial institutions “shall identify their customer and obtain information on the social media handle of the customer.” Section 6(b)(iii) contains similar provision.
In the letter dated 24 June 2023 and signed by SERAP deputy director Kolawole Oluwadare, the organisation said: “The CBN Regulations and directive to banks to obtain details of customers’ social media address violate Nigerians’ rights to freedom of expression and privacy. It is inconsistent and incompatible with the rule of law.”
SERAP said, “The CBN ought to contribute to the advancement of respect for the rule of law and human rights in the discharge of its statutory functions, and not undermine or violate these fundamental legal requirements and standards.”
According to SERAP, “The purported mandatory requirement would inhibit Nigerians from freely exercising their human rights online. If obtained, such information may also be misused for political and other unlawful purposes.”
The letter, read in part: “We would be grateful if the recommended measures are taken within 3 days of the receipt and/or publication of this letter. If we have not heard from you by then, SERAP shall take all appropriate legal actions to compel you and the CBN to comply with our request in the public interest.”
“The mandatory requirement of social media handles or addresses of customers does not serve any legitimate aim. Such information may be used to unjustifiably or arbitrarily to restrict the rights to freedom of expression and privacy.”
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“SERAP is gravely concerned that the CBN Regulations and directive to banks and other financial institutions would impermissibly restrict the constitutional and international rights to freedom of expression, privacy and victims’ right to justice and effective remedies.”
“Requiring social media handles or addresses of customers as a means of identification would have a disproportionate chilling effect on the effective enjoyment by Nigerians of their rights to freedom of expression and privacy online.”
“The CBN bears the burden of justifying any restriction on people’s freedom of expression and privacy. Under the Nigerian Constitution 1999 [as amended] and human rights treaties to which the country is a state party, any restrictions on these rights must be applied strictly so that the rights are not put in jeopardy.”
“There are other means of identification such as passport, driver’s licence, Bank Verification Number (BVN), and Tax Identification Number (TIN), which banks and other financial institutions already require their customers to provide.”
“The additional requirement of obtaining details of a customer’s social media handle or address fails to meet the requirements of legality, necessity, and proportionality.”
“The requirement of necessity implies an assessment of the proportionality of the grounds, with the aim of ensuring that the excuse of ‘regulations on customer due diligence’ is not used as a pretext to unduly intrude upon the rights to freedom of expression and privacy.”
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“The CBN Regulation does not demonstrate how the use of social media handle or address as a means of identification would serve to improve banks and other financial institutions’ ability to implement and comply with the laws and regulations relating to customer due diligence.”
“The Directive by the CBN, which does not in any event carry the force of law, also fails to provide any explanation as to how social media handles or addresses can facilitate compliance with regulations relating to customer due diligence.”
“Obtaining the details of customers’ social media handles or addresses would unduly interfere with the rights to freedom of expression and privacy. It would also be disproportionate to any purported legitimate aim that the CBN seeks to achieve.”
“The facts that there are sufficient means of identification for CBN, banks and other financial institutions to rely on to meet the requirement of Know Your Customer also heighten concerns of overreach, and confer far-reaching discretion on banks and financial institutions.”
“Obtaining information on customers’ social media handles or addresses as means of identification is therefore more intrusive than necessary.”
“The cumulative effect of any attempt to access details of customers’ social media handles or addresses would be to undermine the letter, substance and spirit of the rights to freedom of expression and privacy of Nigerians.”
“The effective enjoyment of these fundamental rights constitutes a fundamental pillar for building a democratic society and strengthening democracy.”
“The CBN fails to show how details of customers’ social media handles or addresses would assist banks and other financial institutions to effectively implement and comply with the laws and regulations relating to customer due diligence.”
“Human rights, the rule of law and democracy are interlinked and mutually reinforcing and central to the universal and indivisible core values and principles of the United Nations, the African Union and the Economic Community of West African States to which Nigeria belongs.”
“The CBN is bound to respect the constitutional and international human rights of Nigerians including the rights to freedom of expression and privacy.”
“Under the principle of pacta sunt servanda and general principles governing the law of treaties, the CBN is also bound to uphold and apply in the discharge of its statutory functions the human rights treaties to which Nigeria is a state party.”
“Indeed, under international human rights law, all public or governmental institutions including the CBN are in a position to engage the responsibility of the State.”
“The positive obligations on Nigeria to ensure the rights to freedom of expression and privacy will only be fully discharged if individuals are protected against violations by institutions like the CBN.”
“The Nigerian Constitution guarantees in Section 39 the right to freedom of expression and in Section 37, the right to privacy.”
“Article 19 of the International Covenant on Civil and Political Rights and Article 9 of the African Charter on Human and Peoples’ Rights also guarantee the right to freedom of expression. Article 17 of the Covenant also guarantees the right to privacy.”
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“Freedom of expression and opinion are indispensable conditions for the advancement of any person or society, as the free exercise of the right facilitates the evolution and exchange of opinions, in turn enabling principles of transparency and accountability crucial for the promotion and protection of human rights.”
“While under certain narrow circumstances, a State may restrict the right to freedom of expression, any such restrictions must be strictly limited and meet the conditions of legality (i.e. be “provided by law”), legitimate purpose, necessity, and proportionality. The CBN Regulations mandating social media handle or address as a form of identification for customers fail to meet these legal requirements.”
“In particular, Article 19(1) of the Covenant establishes the right to freedom of opinion without interference. Article 19(2) establishes Nigeria’s obligations to respect and ensure ‘the right to freedom of expression,’ which includes the freedom to seek, receive and impart information and ideas of all kinds, regardless of frontiers.”
“Under article 19(3), restrictions on the right to freedom of expression must be ‘provided by law’, and necessary ‘for respect of the rights or reputations of others’ or ‘for the protection of national security or of public order (ordre public), or of public health and morals.”
“The principles of legality, necessity, and proportionality, apply to the right to privacy in the same manner as they do to freedom of expression and other fundamental freedoms.”
“Restrictions to the rights to freedom of expression and privacy that do not comply with the elements of legality, legitimate purpose, and necessity and proportionality shall be deemed unlawful.”
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News
Senator Withdraws From Legislative Duties Over Health Challenge
Published
27 minutes agoon
July 1, 2025By
Editor
The lawmaker representing the Cross River North Senatorial District in the National Assembly, Agom Jarigbe, has announced a temporary withdrawal from legislative and constituency engagements due to pressing health concerns.
In a statement issued on Monday, the senator disclosed that he is currently receiving medical care and, on the advice of doctors, will be away from active duties for a short period. As a result, a widely anticipated endorsement rally scheduled to be held in the coming days has been postponed.
The lawmaker emphasised that the decision is in the best interests of his health and the effective representation of his constituents.
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He said, “This is a necessary pause, and I am having proper medical attention. God willing, I expect to fully resume my responsibilities within the next two weeks or even sooner.”
The senator expressed appreciation for the prayers and support of his constituents while emphasising that the decision to suspend the rally was taken in recognition of the need to be at full strength when engaging with the people of Cross River North.
“No mortal is immune to health challenges. This moment reminds us of the fragile nature of life and the need for compassion,” he added.
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Jarigbe also appealed to the public to disregard political attempts to exploit his health condition for ridicule. “Let us not lose our shared sense of humanity in the name of politics,” he urged.
The senator reassured the public of his commitment to returning soon to continue the work of development in the senatorial district. He encouraged those in need of urgent healthcare assistance to contact his constituency office in his absence.

By Suyi Ayodele
I read Colonel Abubakar Dangiwa Umar’s advice to President Bola Ahmed Tinubu on Sunday, and I remembered a passage in William Shakespeare’s Hamlet:
Hamlet: Do you see yonder cloud that’s almost in the shape of a camel?
Polonius: By th’mass, and ’tis like a camel, indeed.
Hamlet: Methinks it is like a weasel.
Polonius: It is backt like a weasel.
Hamlet: Or like a whale?
Polonius: Very like a whale. (Hamlet, Act 3, Scene 2).
Polonius is a Yes Man. All yes men are sycophants, power pleasers! We have them in abundance in Nigeria.
Elizabethan Literature (1558-1603) remains the best one can read. My personal assessment though. One of the figures of that era, and easily the most popular, is William Shakespeare. The excerpt from one of his plays, Hamlet, produced above, speaks to one of the maladies confronting and confounding us as a nation
Read the exchange between King Hamlet and Polonius above. Can you also see it as a classic masterclass in stupid opportunism? Hamlet toys with Polonius. He points out a cloud and says it looks like a Camel. Polonius says Yes, it truly looks like a Camel. King Hamlet says it is no longer Camel but Weasel; Polonius says Yes, it is Weasel. The king changes the next minute and suggests to the fool that what he sees is no longer Weasel but a Whale, shameless Polonius agrees again that it is Whale.
The people ruling President Bola Tinubu today are Polonius. Because of what they will eat, they bend, twist, and reshape their convictions to please the king. All because of their belle. We call them Ìfunlòràn (stomach matters) They are the ones Colonel Abubakar Dangiwa Umar (Rtd), whom I choose to call Dangiwa in this piece, warned Tinubu to run away from in his statement issued Sunday night. There are enough people willing to agree with the president that Dog is Monkey if it will give them access to money and position. And he loves them.
Around the president, principles are as fluid as cloud shapes. As we see in Hamlet, the circus in Abuja tells us as much about the leader as it does about his chosen men and women.
A man’s name speaks for him. When he was born, his parents named him Dangiwa. Did his parents consult the oracles before his birth? Were there predictions of how the unborn child would fare in life?
I ask these questions given the ancient practice of my Yoruba background which seeks to find out what the future holds for the unborn child or the one in his cradle. My cultural worldview attaches importance to names; a name is not just given for the sake of it.
So, when he was given the name, Dangiwa, what were the parents thinking? Dangiwa, a Hausa name means “One who is strong and brave.” That boy that was named Dangiwa at his birth on September 21, 1949, is now 75 years old. When it was time for him to choose a career, he went for the one only the brave could venture into. He joined the Nigerian Army in 1967 and was commissioned as Second Lieutenant in 1972. He rose to the rank of a Colonel and voluntarily retired in 1993.
In the Nigerian Army, Dangiwa was a brave soldier. He was equally a gentleman. When his mentor and boss, General Ibrahim Badamasi Babangida, IBB, (Rtd) annulled the June 12, 1993, presidential election, then presumably, but now confirmed, won by late Aare Ona Kankanfo, Moshood Kashimawo Olawale (MKO) Abiola, the presidential candidate of the defunct Social Democratic Party (SDP), Dangiwa, though a serving military officer, said no to the annulment. He defied the regimental sentiments of his profession and went for his personal convictions on what is just, fair, equitable and for the common good. Only the strong can do that; only the brave can take such a risk. Dangiwa did because he must answer his name!
For that audacity, Dangiwa was arrested on suspicion of conspiracy, detained and finally let off the hook. Upon his release, the soldier took another bold step. He voluntarily resigned his commission. He had seen all he wanted to see in the Army. He was convinced beyond any persuasion that the military erred in not keeping faith with its promises. Dangiwa would not be part of such an arrangement, so he opted out of the system.
That is the trait of strong men; that is what the brave do. If you cannot join them, quit the game! That is the definition of honour, that is the connotation of integrity. Those virtues are reserved for real men of character. But like the proverbial Okaka, the bird which curses with its mouth oozing blood, but insists that whichever it holds unto will come to pass (Òkàká únseé pè, enu è únsèè jè, ó ní èyí tí òhun wí, arò á rò mo), Dangiwa retired into the life of a social critic.
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He never let go of his conviction about the June 12, 1993, political mishap. He insisted that MKO won the election and should be allowed to rule. Even when MKO died in suspicious circumstances while in the custody of the military, Dangiwa never stopped condemning the injustice. He was convinced that MKO, would one day, be accorded his rightful place in history. He was strong in his faith and brave in his outcry against the malady of June 12, 1993. In doing all that, Dangiwa never sought personal recognition. He is a study in self-conviction. And self-conviction, I dare say, is the hallmark of brave men.
Men of honour are not in short supply in Nigeria. I also say this with a deep sense of personal conviction: men of integrity are not totally in extinction here. I know one of them. His name is Abubakar Dangiwa Umar, a retired Colonel and now a farmer in Kaduna State. The problem we have in Nigeria, especially with the locusts in power at the moment from top to bottom, is that we have allowed the dregs of humanity to take over our affairs.
Dangiwa has lived up to his name. His parents (God repose their souls), wherever they are, should be proud of him. At 75 years old, his children and relatives alike should raise their heads high that they have a man like him as their Okaigbe (head of the family). Dangiwa answered his name again last Sunday as he penned that statement as his response on the National Honour President Tinubu conferred on him and other heroes and heroines of the June 12, 1993, struggle.
The retired soldier accepted the honour. But he would not do it like the other honourees are wont to. He knew that he was not alone in the struggle for the actualisation of June 12 in the military. He had subordinates who also joined him in the crusade. Though he happened to be the loudest voice in that regard, he knew that he shared the platforms with some other brave officers. If the risk was a shared risk, the honour, he reasoned, and rightly too, must also be shared.
Dangiwa’s decision to list all the officers and gentlemen who collaborated with him in the military to ask for the de-annulment of the June 12, 1993, election, is something I can relate to. Anyone who has ever worked with a boss who takes credit for a team’s success will appreciate what Dangiwa did. I was once in that category for almost two decades of my working career. So, I can feel how it is for a boss to recognise one’s contribution to teamwork and appreciate the same. That is exactly what Dangiwa has done by naming those officers who also took the risk in supporting the de-annulment of the election.
What Dangiwa did in his piece entitled “MY CFR NATIONAL HONOURS AWARD” is what my Yoruba people will describe as enìkan kìí jé àwádé (no single individual answers ‘we-have-come’). Those officers mentioned might not have gotten their awards or may never get any award or recognition from the Nigerian State for the roles they played, posterity will, however, be kind to them.
Their names are forever engraved in our subconscious because a man of strong goodwill and brave disposition decided to share the honour with them. They therefore remain Commanders of the Federal Republic (CFR) in our minds like the amiable Dangiwa whom President Tinubu has chosen to recognise deservedly!
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But the gist here is not that the retired Colonel named his fellow officers in the struggle. The main thrust of today’s piece is the boldness with which Dangiwa decided to point out to President Tinubu, the ailment that is afflicting his government. Only the brave will choose the occasion of the conferment of a National Awards to tell the ‘awarder’ of honours himself the basic truth of life!
In accepting the CFR, Dangiwa noted that the award would be “more meaningful if the democracy we all fought for delivers the real dividends. This can happen only if leaders at all levels govern with the fear of God and in accordance with the tenets of democracy….” That is a loaded message. President Tinubu must get it clearly: the masses are yet to enjoy any dividend of democracy! That is not a good one; the President must know. He did not stop there.
The retired officer advised that “to achieve the stability and progress of our democracy, leaders must prioritise good governance over politicking for self aggrandizement’ and canvassed for the de-strangulation of the “three co-equal branches of government”, which he said, “must operate independently while cooperating with each other.”
Then, he delivered the killer punch. President Tinubu, he submitted, “must lead in a war against sycophancy in all its forms.” He advanced reasons for that submission to wit: “This must allow for no exceptions including the rapidly growing trend of naming and renaming public institutions, facilities and other infrastructure after a President or State Governor while in office.”
And in full confirmation of his name as “One who is strong and brave”, Dangiwa decided to name the chief-sycophant-in-power as Senator Godswill Akpabio, the Senate President, whom he said, “was reported to have predicted that President Bola Tinubu will win the 2027 election with 99.9% of the votes!” He capped the piece by saying that Akpabio’s penchant for “humorous incitement” notwithstanding, “Mr President will do well to shun such oracles.”
I read Dangiwa’s piece several times. On each occasion, I prayed that God would give President Tinubu ‘the listening ears’ and ‘the discerning mind’ to hear and heed what ‘the spirit is telling his Church’! All the noise about 2027 is because this administration, more than any before it, has promoted sycophancy to State art and act! Like Dangiwa said, “Men of straw are widely and falsely being elevated to the position of icons by self seeking sycophants” in this government. This is why all the President has done ‘successfully’ in the last two years is to weaken all the structures that could stand in his way in 2027.
What suffers in such a situation, I mean the real victims of that charade, is the welfare of the common man. Poverty, hunger, pain and anger walk on all fours today because the ‘men of straw’ that this administration has elevated to positions of authority, have formed the government’s clappers’ club to hail the President as the most ‘successful’ one when his failings and failures stare us boldly in the face. That is exactly what sycophancy does!
Sinan Ibagune in his “Political Philosophy of Sycophancy and Sycophantism” (Yeditepe University, Istanbul, Turkey), says sycophancy is “Insincere flattery given to gain an advantage from a superior. The philosophy of sycophancy, particularly in the context of politics, involves the practice of sociable and ingratiating oneself to those in power to gain favour, influence or advancement.”
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Back home in Nigeria, Hyginus Banko Okibe of the Department of Political Science, Enugu State University of Technology, Enugu, while writing on “Sycophancy and Dearth of Integrity in Governance” (ESUT Journal of Social Science, 5 (2), November 3, 2020), says: “Sycophancy in governance occurs when performance of legitimate functions of government are erroneously exaggerated to invoke unwarranted stream of praises on a public officeholder or government in power. Critical observers describe it as deceitful, misleading and highly opinionated. It beguiles the masses to believe failed government actions, which a sycophant paints in different colours and thus makes governance wane significantly in integrity. It has become a predominant feature of democratic governance in Nigeria…”
These definitions above, among many others, speak to the malady Dangiwa counselled President Tinubu to avoid. If I were the President, I would look at the sincerity of the man who uttered those words. I would also consider his antecedents in and out of power. President Tinubu should study the identikit of Dangiwa, vis-a-vis the closeness of the retired military officer to General IBB, the man who annulled June 12. A man who could question the actions of his boss despite being in a regimented environment like the Nigerian Army, is one man whose advice a president who wants to do well in office should not take lightly.
Like Dangiwa pointed out in his acceptance article, “One enduring lesson from the conduct of the officers and men is their decision to operate above sycophancy but to hold their superior officers to account.” These, to me, are the type of men President Tinubu should have around him. He has had enough of yes-men, government clappers and the hosanna orchestra. This is the time to get serious with governance, and assemble around his table, men and women who have the capacity, the strong will and the bravery to look the President directly in the face and say, “Sir, the masses are suffering.”
Only the enemy will tell Tinubu that he has the majority in his support with the present situation in town. Only Polonius, a fake “oracle” will assure the President of “99.9%” of our votes come 2027. That is 99.9% sycophancy! The majority are silent today because they have limited options. It will be a different ballgame on election day when the options will be opened to the people.
Okibe is apt in his description of the negative effects of sycophancy. President Tinubu has been a victim of men who paint “failed government actions in different colours.” This is why his government has waned “significantly in integrity.” The president must rescue himself from the grips of the sycophants around him, if only for the sake of those who reposed their confidence in him, and the suffering masses of Nigeria.
My hearty congratulations to Colonel Abubakar Dangiwa Umar (Rtd) on the conferment of the National Award of CFR on him!
News
PHOTOS: Peace Restored In Delta Community As Council Boss, Takeme, Wades In
Published
18 hours agoon
July 1, 2025By
Editor
Tuomo, a riverine community in Delta State’s Burutu Local Government Area, is experiencing renewed calm following decisive intervention by local authorities to settle a heated leadership crisis.
On Monday, Burutu LGA Chairman, Dr. Julius Takeme, led a peace delegation to the area, spearheading reconciliation discussions and reinforcing the government’s commitment to long-term stability.
Dr. Takeme highlighted his administration’s resolve to implement Governor Sheriff Oborevwori’s broader peace and security strategy for Burutu LGA.

Dr. Julius Takeme, Chairman, Burutu LG during the meeting on Monday, 30 June, 2025
Addressing the main source of discord—the controversial selection process for a new Amananawei (traditional ruler)—he emphasized the need for transparent and lawful resolution to avoid further division within the community.
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“The council has zero tolerance for lawlessness or abuse of power,” Dr. Takeme declared, warning against intimidation, violence, or any form of extrajudicial detention.

A cross section of community people during the peace/reconciliation meeting on Monday, 30 June,2025.
In direct remarks to Tuomo Community Chairman, Mr. Edonyaibo Morentei Warebi and the newly confirmed Amananawei, Chief Arebebe Ebiyemi, he stressed the responsibility of leadership to uphold legality and promote inclusiveness.
“Leadership should be anchored on the rule of law, not on threats or coercion,” he told them, urging both leaders to unite the community and fulfill their electoral commitments. He further warned against any mishandling of the reconciliation process, assuring residents that the administration remained fully invested in protecting lives and fostering peace.
The chairman was accompanied by a high-level delegation that included the Nigeria Police Area Commander for Burutu, ACP Redengha Timpa, whose on-the-ground presence was vital in maintaining order and preventing renewed conflict. Senior officials from the local government also joined the mission, demonstrating a coordinated approach to crisis management.

A cross section of community women during the peace/reconciliation meeting on Monday, 30 June,2025.
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During his address, Dr. Takeme commended the police for their professionalism and praised ACP Timpa’s continuous engagement as a key factor in defusing tensions and restoring a sense of security among residents.
In response, Chief Arebebe Ebiyemi delivered a vote of thanks, acknowledging the chairman’s consistent intervention and pledging to work tirelessly for peace and unity. Community Chairman Mr. Warebi promised a leadership style grounded in inclusiveness and dialogue, describing this period as an opportunity to rebuild community trust and heal divisions.
Chief Ebiyemi further assured the council of his readiness to collaborate with all stakeholders in promoting a more harmonious and united Tuomo.
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