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‘Withdraw Regulations On Customers’ Social Media Handles Or Face Legal Action’, SERAP Tells CBN

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.”
READ ALSO: Probe Missing $2.1bn, N3.1trn Of Subsidy Payments Or Face Legal Action, SERAP Tells Tinubu
“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.”
VANGUARD
News
OPINION: Dangote’s Oily Wars
By Lasisi Olagunju
In February 2025, Daily Trust quoted him as saying:
“I’ve been fighting battles all my life and I have not lost one yet.”
In May 2025, Business Day quoted him as saying: “I have been fighting all my life. And I will win at the end of the day.”
Aliko Dangote, President of Dangote Group, speaks those words each time there is a war to fight. In the last two, three weeks, I have heard him repeat that statement about fighting all life and winning all the time.
There is a bird in the Yoruba forest called Òrófó. Its mouth is its executioner. If I fought and won all the time, I would not display the trophy all the time.
Each time I hear people boast about their strength and blessings, I reach for my favourite quote:
“Travel and tell no one,
Live a true love story and tell no one,
Live happily and tell no one,
People ruin beautiful things.”
It is one of my priceless quotes; it is from Khalil Gibran, Lebanese-American poet who lived from January 6, 1883 to April 10, 1931. There is a reason why the light travels light; it is because the world is heavy.
Dangote may be correct in his self-assessment as the unbeaten. He is the lion in Nigeria’s industrial jungle. He fought and won in cement, in sugar, in flour. But did he win the noodles war? When he started his refinery project, I heard people who said we should expect another war in that sector. And that is what we see. But if I were him, I would reflect that even the lion has limits. A lion that fights hyenas, leopards, wild dogs, and hunters all at once will soon learn that its roar and paws are not enough. If I were him, I would know that there is a difference between the unbeaten and the unbeatable. I would know that strength spread too thin becomes weakness. A lion who fights every creature in the forest risks exhaustion. It risks even worse: isolation.
The wealthy man who fights and wins all wars now has his hands full. At the beginning of his refinery journey, Aliko fought the regulators over approvals and compliance issues; he crossed that river and turned his cannon on depot owners and marketers; this week he is fighting the unions. And now the unions are responding by shutting the valves. PENGASSAN at the weekend ordered a blitzkrieg on Nigeria’s fuel lifeline: it instructed its members to stop all gas supply to Dangote refinery with immediate effect; it ordered crude oil supply valves to the facility shut; it directed loading operations for vessels headed to the refinery suspended. Its grouse was the mass sack of workers there.
MORE FROM THE AUTHOR:OPINION: Every democracy ‘Murders Itself’
It has been one war after another, a rolling theatre of conflicts that raises the question: can one man, no matter how wealthy, fight every battle and still win the war?
But the unions are not saints either. Nigerian unions roar justice but feed like hyenas. They thrive in disruption. They fight for rents. A union that turns every quarrel into a weapon or business may one day find that it has destroyed its own leverage.
Sword that destroyed its sheath is homeless. I do not know what democracy calls pulling the plug on a promising patient. But I know that under the military, those who did what PENGASSAN ordered at the weekend were deemed to have committed grievous crimes. Luckily, we are in a democracy.
Shortly before the PENGASSAN bombardment, there was the war with DAPPMAN, the depot owners and marketers. Dangote said they demanded ₦1.5 trillion in hidden subsidies each year. He said he would not pay. He said they wanted him to cover coastal charges and logistics. He insisted that his gantry price was fair. He dared them to sue. The marketers replied that Dangote sold cheaper petrol abroad than at home. They called him disruptive. They accused him of undermining competition. So, the drama grows. The lion roars at unions, at traders, at depot owners, and at those he called the mafia in the oil industry. The elephant struggles with its own bulk. But wisdom says no hunter fights every battle.
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I had this hearty discussion with some friends yesterday. They think the unions were unreasonable and exploitative. I agreed with them but asked them to also check what a monopoly in fuel refining and supply does to national security. All monopolies are dangerous.
I told my friends what a voice told me: If one refinery is the nation’s fuel heart, don’t we know that one strike or sabotage can paralyze the country?
What if the refinery owner even decide to ‘go on strike’ or produce and refuse to sell?
When a country’s situation is as it is, will that be said to be sovereignty? That will be fragility disguised as progress. I hope you agree with this.
No village entrusts its present and future sustenance to one farm, no matter how large. Nigeria does not need monopolies, whether in refineries or in unions. What it needs is balance, competition, and choice.
Nigeria needs competition, not concentration. It needs many refineries, not one. But where are the investors? Where is the government? Why do we need more than the behemoth in Ibeju-Lekki? Foklorists tell of an elephant. It was the envy of the savannah. Grass bent under its feet. Trees shook at its steps. But when drought came, its size became its curse. Its massive body needed more water than the land could give. Smaller animals survived on little streams. The elephant collapsed under its own weight.
That is the risk with this lone refinery. It is an elephant mighty and heavy. The body and its demands are a burden to it. Its operational environment is choky. I pity the promoter. He must have found out too late that this terrain is not solid and firm as concrete; not as soft as dough. The refinery ground is crude, oily, slippery, and treacherous.
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Those who know told me that in this business of refinery and refining, tension will remain forever high because margins are thin. In there, refineries buy crude in dollars; they sell fuel in naira. Debts keep breathing in banks while workers hum discontent with the life they live. As investors juggled the figures to stay afloat, at the UNGA, we heard rhetorics that tell the world to accelerate its movement towards clean energy. Clearly, the elephant carries more weight than the land may sustain.
But what kind of country fears convulsion, or even convulses, because a private company has issues with its stakeholders? Ask around how many refineries Egypt has. Google says Egypt currently has eight operating oil refineries, with a total nameplate capacity of approximately 763,000 barrels per day. And Algeria? Six: five operational, the sixth about to be commissioned. How about small Ghana? I asked Google and this is its final answer: “Ghana currently has two main operational refineries, the state-owned Tema Oil Refinery (TOR) and the Sentuo Oil Refinery… In addition to these two, the nation is also developing the Petroleum Hub Project, a large-scale initiative that includes the construction of three new refineries as part of a three-phase project aiming to significantly reduce Ghana’s reliance on imported refined fuels.” What is Nigeria as a country building? Do not bother to check. If you check, what you will find is 2027.
Back to the feuding Dangote refinery and its union of workers. Negotiation and bargaining and agreeing (rather than stone-throwing) are key in human transactions. In his ‘Bargaining and War’, R. Harrison Wagner notes that “nearly all wars end not because the (feuding parties) are incapable of further fighting but because they agree to stop.”
It is sweet to fight and win. But that is where it ends. The one who killed an elephant with his hat enjoyed the fame for just 24 hours. The next day, everyone avoided him. Enough of unhelpful tough talking and disruptions. As I watch the drama of this oily war, I see the two entitled camps unravelling. I see both sides losing ultimately. But their loss will be our loss, a disaster. The country will grind to a halt.
So, I ask the oily fighters in Lagos to read Khalil Gibran’s ‘The Two Cages’: “In my father’s garden there are two cages. In one is a lion, which my father’s slaves brought from the desert of Ninavah; in the other is a songless sparrow. Every day at dawn, the sparrow calls to the lion, ‘Good morrow to thee, brother prisoner.’”
There is no winner in this war.
News
OPINION: Hobbes, Nigeria, And Sarkozy
By Lasisi Olagunju
In the early 1940s, Sir Ahmadu Bello, the hugely popular Sardauna of Sokoto, found himself at a crossroads of politics and rivalry. After losing the contest for the Sultanate of Sokoto to his long-standing rival, Sir Abubakar III, he was appointed emirate councillor and superordinate district head of Gusau in Sokoto Province. The posting, however, came with what he would later describe in his autobiography as “not lacking dark undertones and hidden motives.”
The shadow over his new position darkened in 1943. One day in the afternoon, a friend arrived with a troubling warning: Bello’s enemies were plotting his fall.
The man said: “Look, a plot is being arranged against you, so that you will fall into an inescapable trap.”
“What sort of a plot?” Ahmadu Bello said he asked the friend. He went on to say that “people were being organised to lay complaints against me so that I would be involved in a court case. I replied, ‘Tawakkaltu Alal Haiyil Lazi Layamutu (I depend on the Soul that never dies).’ A week later, I heard some Fulani (herdsmen) were being told to say that they paid cattle tax to me which never went into the treasury.” He was also accused of accepting gifts. The allegations quickly became a weapon in the hands of his rival, the Sultan. “After necessary investigations by an instigated administrative officer who was specially sent for the purpose, I was summoned to appear before the Sultan’s Court. I was tried and sentenced to one year’s imprisonment.” Bello recalled in his autobiography years later: “Knowing my own reputation and standards and the way the case was tried, I appealed to the Appeal Court. The learned Judge (Mr. Ames), with two Muslim jurists, allowed my appeal and I was therefore acquitted.”
He got back his freedom; but that experience signposted an example of what politics could throw at any of its practitioners no matter the height of their standing. Bello’s experience was an early taste of the trials and political intrigues that would mark his rise to prominence in the years ahead. Read ‘My Life’, Sardauna’s autobiography. Read ‘Ahmadu Bello: Sardauna of Sokoto’ by John N. Paden, page 119. Read Chapter 2 of Steven Pierce’s ‘Moral Economies of Corruption.’
You saw what happened in France last week. Seventy-year-old Nicolas Sarkozy was sentenced to five years in prison by a Paris court. There is a lot of fun in watching tragedies. Some courts are crazy. The man they jailed was the Commander-in-Chief of a super power. He wielded veto powers at the United Nations and rubbed shoulders with the president of the Almighty United States. He did not kill, he did not rape. Even if he killed and raped, didn’t he have everlasting immunity from being treated like a common commoner? His crime was not even looting of his country’s treasury. His sin was criminal conspiracy in a scheme to secure campaign funds from the late Libyan dictator, Muammar Gaddafi. What kind of crime was that?
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Reuters reported that “the presiding judge said there was no proof Sarkozy made such a deal with Gaddafi, nor that money that was sent from Libya reached Sarkozy’s campaign coffers, even if the timing was “compatible” and the paths the money went through were “very opaque”. But she (the judge) said Sarkozy was guilty of criminal conspiracy for having let close aides get in touch with people in Libya to try and obtain campaign financing.”
Why would the president of a first world country be so broke as to go to North Africa for a bailout? The central bank of France is called the Banque de France (Bank of France). Don’t they print money there? Wasn’t Sarkozy the one who reappointed Christian Noyer as the governor of that bank? So, what happened that Noyer allowed his benefactor to be that exposed and hard pressed that he had to go beg Ghadafi, the ultimate sinner, for campaign funds? What is even bad in collecting money, even from Satan? What kind of law and judicial system did that to a benefactor of their country?
Sarkozy should have been a Nigerian. If he were a Nigerian, our courts would have scolded the prosecutor for being rude to a father of the nation. We would have told him sorry and compensated him with a comeback from retirement and a third term.
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Nigeria can never be France. A country where people love life and fear death more than they fear hell is a doomed state. Nigeria is caught in that loop. We have long abandoned the fear of sin and hellfire. We mock morality, twist God’s words, and purchase prayers to sanctify our iniquities. Yet, while trampling on conscience, we go to great lengths to stay alive. We act with impunity, but move about with convoys of armed men so we may live to enjoy the spoils of our recklessness. We wreck healthcare at home and pile money into hospitals abroad against the day when sickness comes calling. We sin, we revel, and we rock the world. We move freely with sinful steeze without consequence, without judgment. Sarkozy should have been a Nigerian; he would have been saved the insult of that Paris trial and conviction.
I am not the originator of the contrast between fearing death and fearing hell. A man called Thomas Hobbes saw it centuries ago and wrote it down. Hobbes lived from 5 April 1588 to 4 December 1679. At his death he was described as “greater in his foes than in his followers.” He is the same man who, in his social contract book ‘Leviathan’, famously declared that without law and order, life collapses into fear and violence; and, in his words, it becomes “solitary, poor, nasty, brutish, and short.”
Times change, people change. Hobbes observed that in his own age the fear of hell outweighed the fear of violent death. Religion then carried such weight that eternal damnation was a stronger restraint on conduct than the threat of sword or sentence. Men trembled more at the thought of sinning against God’s commandment than at the prospect of breaking the law. Religion and politics worked hand in hand to uphold order.
But that was Hobbes’s time. Today, the opposite holds sway. And that inversion explains the brazenness of misbehaviour around us. When men cease to fear God, and hell (the consequence of sin), they also cease to fear what the Yoruba call Atubotan; they disdain legacy, and numb conscience. Their only terror is not afterlife; it is just death, and, maybe, poverty and loss of privilege. And so, to prolong their lives and cling to power, they kill, they silence critics, they loot without restraint. The loss of a soul is, to them, an abstraction; but the loss of office and privileges is real, immediate, unbearable.
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I go back to Hobbes; he was right: fear shapes society. But when the wrong fear governs, politics mutates into predation, and the polity collapses into a jungle. Nigeria suffers that fate. We are ruled by men who worship power and fear coffins more than they fear God. Until that fear is reordered, until conscience returns as a brake on ambition, no constitution or law will be strong enough to restrain leaders who no longer believe that God is watching.
Back to Sarkozy, Western media described his fate as “a historic moment for modern France”, a nation where politicians, until last week sinned while sneering at the idea of punishment. The media said Sarkozy, who served as president between 2007 and 2012, was known for his hard line on immigration and national identity, and for championing harsher punishments for offenders. He must now prepare to face the same fate. Judges ruled that within months he will report to prison, making him the first former French president in modern history ordered to serve time behind bars.
It was, as The Guardian of UK put it, “a spectacular downfall and a turning point” in France’s struggle to deal with graft and political impunity. Sarkozy sat in court flanked by his wife, Carla Bruni Sarkozy, and his three sons as judges delivered a sentence laced with a message: Thomas Fuller’s words of almost four hundred years ago, “Be ye never so high, the law is above you.”
France has shown that even the mighty can crumble under the weight of justice. Nigeria, by contrast, keeps teaching its politicians that what sin has is not consequence but reward. Until our courts can frighten the powerful as much as our cemeteries do, Hobbes’s warning will remain our reality: life in this jungle will stay poor, nasty, brutish, and short.
News
Doctor Shares 8 Simple Tips To Protect Your Heart
As Nigerians join the rest of the world to mark World Heart Day today, an internal medicine physician, Dr Olusina Ajihahun, has advised everyone to adopt healthier habits that will protect the heart and reduce the rising cases of hypertension, stroke, and heart disease in the country.
Ajihahun explained that many people only think of their heart when sickness strikes, but preventive care is more effective and cheaper than treatment.
He stressed that simple lifestyle changes could go a long way in keeping the heart strong.
READ ALSO:Heart Diseases, Cancer Lead Causes Of Death Worldwide – Report
Here are eight heart-healthy tips he recommended:
Check your blood pressure regularly
High blood pressure is called a “silent killer” because it often shows no symptoms. Regular checks help you detect problems early.
Reduce salt intake
Too much salt raises blood pressure. Ajihahun advised Nigerians to reduce seasoning cubes and processed foods that contain hidden sodium.
Cut alcohol
Excessive alcohol weakens the heart muscles and raises blood pressure. He said moderation or total avoidance is best.
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Avoid smoking
Smoking damages blood vessels and reduces oxygen flow, making the heart work harder. Quitting protects both the lungs and the heart.
Exercise often
At least 30 minutes of brisk walking five times a week strengthens the heart, improves circulation, and reduces stress.
Take your medication as prescribed
For those already on drugs for blood pressure, diabetes, or cholesterol, Ajihahun stressed the importance of strict adherence. Skipping doses increases risks.
READ ALSO:How To Escape 80% Heart-related Diseases -NHF
Don’t miss routine health checks
Regular visits to the doctor help track heart health and detect early warning signs.
Eat healthy
A diet rich in vegetables, fruits, whole grains, fish, and nuts is vital for long-term heart health. He advised cutting down fried foods and fizzy drinks.
Ajihahun urged Nigerians not to wait until complications set in before caring for their hearts. “Your heart works every second of your life. The least you can do is protect it with small, consistent actions,” he said.
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