TUI - bad accounts list

There should be a list of bad accounts. Users cannot make a transfer to the receiver from the list.

To be discussed:

1. Where can we get a list? Is it updated frequently? Is Clive or a user responsibility to keep it up to date?
2. Should the list be managed by the user (user may remove or add any accounts to the list)? Or maybe there should be two list one manages by application and one manages by user?
3. If a user wants to make a transfer to a receiver from the list, what should happen? It should be impossible, there is only warning?