Agencija za bankarstvo BiH međutim tvrdi da je to pitanje već obuhvaćeno Zakonom o obligacionim odnosima, te preporučuje da prevareni žiranti potraže pravdu na sudu.
The Banking Agency of BiH, however, claims that this issue is already covered by the Law of Obligations, and recommends that the defrauded guarantors seek justice in court.