What: Enhance the current system functionality to also allow the blacklisting of active clients (i.e. clients with an active loan or deposit account).
Why: It is often necessary to blacklist existing clients to ensure that no additional lending is made to them - e.g. if fraud is discovered or if the client is in some other litigious situation. The main rationale behind blacklisting is that no NEW accounts can be opened for a blacklisted client, which should not require that all the client's accounts are closed before they are blacklisted.