pajOwO 
i'm surprised to have seen no discussion so far about the fact that all european banks will start massively leaking trans peoples deadnames in october. so let's change that! (🧵 thread with more information)
MattisCB@pajowu First of all, No names are leaked. The payer is notified if the name he already knows is correct, partially correct or wrong. Abbreviated names are reported as correct. (So maybe giving a name like K.Miller to anyone transferring money to your account may help) One of multiple names is reported as correct. Direct debit (sepa Lastschrift) is not name checked.
@MattisCB wrong. if a name is partially correct (“close match”) the name the payees bank has on file is returned as well and shown to the user sending money. direct debit is just not an option for me receiving money, how would that work?
@pajowu I doubt that because the information the banks gave our company says otherwise. It would also defeat the purpose of name checks. no correct name will or should be transmitted. Since the whole thing hasn't even started I can't tell you how it will be in practice. Companies will be offered the option to skip the name check for quite some time. When we send you money we have your legal name on file anyway.
@MattisCB have you actually read the thread?
Yes, if it’s a full match, the name will not be transmitted. If it’s a close match, it will. The information on how the process in general will look like are already public, as this is a european banking standards, already active in some countries and many bank already provide information on that.
Companies aren’t the only problem, individuals are too. it being optional changes nothing since that’s in control of the sender, not the payee
@MattisCB “When we send you money we have your legal name on file anyway.” is just wrong in so many cases as well. Most of the people and companies sending me money don’t. Why would they?
@pajowu because we base the transfer of money on contracts. I cannot for the life of me think of a transaction where someone send me money not knowing who I am. In my whole life. Can you give any example? Before SEPA recipient names were always checked in Germany.
@MattisCB basing it on contracts doesn’t mean you know the legal (meaning government) name.
I never said not knowing who you are. I said: not knowing the name your bank account is registered on. One example (from the thread): trans people.
You can start using a chosen name nearly everywhere without changing your legal name. only at very few places you can’t: government entities (health insurance, passport, …), banks and phone providers. Work contracts, invoices, … are all possible without
@pajowu the contracts where people sent me money to my bank account are: Appartment Rent, Work, bank accounts, mortgage. Rest assured I had to show my ID for all of them. None of these I could have signed under a chosen name. An eBay sale here and there I might have gotten away with giving a wrong account owners name. But these days who uses bank accounts for that? Everyone uses faster services like PayPal or Venmo. Maybe your chosen names has the same initial . Use that and you are fine.
@pajowu or change your name legally, then your deadname is legally dead. Let me cut that discussion short: I promise I will tell you what we at work get returned from the bank the very first time we have a partial match. (My guess is this will be an Arabian name, but technically that's no different. )
ubahnverleih@ubahnverleih @pajowu "Trans people can legally change their names in 37 countries" source: rainbowmap. Die allermeisten SEPA-Länder sind dabei. Litauen, Bulgarien, Rumänien und Kroatien nicht.
@MattisCB @pajowu And these people doesn't matter? Um so transphober ein Land um so problematischer ist das für diese Menschen. Nur weil es theoretisch in einem Land möglich ist den Namen zu ändern heißt das nicht dass es prokatisch möglich ist. In Ungarn wird es quasi nicht möglich und in vielen Ländern musst du dafür Gerichtsverfahren bestreiten mit so absurden Sachen wie deine Eltern verklagen. Wenn ich es richtig sehe ist in einigen Ländern eine Operation Vorraussetzung - na Danke.
@ubahnverleih @pajowu Ich habe hier meinen Wissensstand und meine Meinung zu einem SEPA-Thema genannt. Ich stimme mit euch völlig überein darin, dass Selbstbestimmungsrechte für alle Menschen, egal welcher Geschlechtlichen Identität, überall gelten sollten. Aber hier Alarmismus zu betreiben und Trans-Menschen (meiner Kenntnis nach unnötig) Angst zu machen, kann's ja auch nicht sein. Wie gesagt: wenn's passt, Initial benutzen, das ist ein Full Match. Da muss niemand den Vornamen erfahren.
@ubahnverleih @pajowu ich schaue nochmal auf die Liste, die wir bekommen haben, wie eine Ăśberweisung ganz ohne Vorname gewertet wird.