The Banking Regulatory Bureau will not freeze loan funds. The main role of the China Banking and Insurance Regulatory Commission is to supervise the banking and insurance industries to protect the legitimate rights and interests of consumers. If the user's loan funds are frozen, it is because the user does not meet the loan conditions and is frozen by the lending institution. As long as the user subsequently meets the loan conditions or actively applies for unfreezing, it is possible to lift the freeze.

The reasons why the bank card is frozen:

1. The bank card is a credit card (credit card). If it is frozen, it may be that the credit card has had abnormal transactions, such as malicious tx, forgery If the information or password is incorrect continuously, the bank card may be frozen by the bank.

2. For bank cards that can be overdrafted, the bank will set an overdraft share based on the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze your bank card.

3. The bank card is a debit card. If it is frozen, one is a wrong account freeze, which means that the bank mistakenly transfers more money to the depositor's account during the transaction, then the bank may transfer the excess money. Partially frozen. One is judicial freezing. According to relevant provisions of the law, judicial authorities can apply to banks to freeze bank cards due to the need to handle cases. At the same time, customs, tax authorities and other departments also have the right to freeze.

4. No matter what bank card it is, if you enter the password incorrectly three times in a row, the bank system will automatically lock the bank card password, which is similar to freezing, but not freezing. It will be automatically canceled after 24 hours.

5. If your bank card expires and you do not apply for a new one, the bank will freeze your expired bank card after expiration.

6. If a bank card is reported as lost multiple times in a row, the bank will deem it malicious and freeze the card.

Solution: According to the reason for freezing, bring your ID card and bank card to the bank counter to perform relevant unfreezing services. Regarding the issue of the court freezing account loans, you can learn about it based on the above content. I hope you can solve the relevant matters.