The Bank of Thailand has issued official guidance on account suspension procedures, categorizing blocked accounts into four risk levels (black, dark gray, light gray, and brown horses) with distinct unlock pathways. High-risk accounts require applications to police/AMLO; medium-risk to respective banks; suspicious accounts to originating banks. The central bank emphasizes suspension is preventative, not conviction, and urges financial institutions to communicate clearly with affected customers and expedite verification for legitimate account holders, as fraud losses have dropped 79% (8.6B→1.8B baht) since implementation.