Is frequenting riba (usury or interest) banks or repeating major sins considered declaring something lawful?

Question:
He says: Honorable Shaykh, may Allah grant you success, is frequenting riba (usury or interest) banks or opening accounts in them, or repeating major sins, considered declaring something lawful?

Answer:
No, it is not considered declaring something lawful. It is considered committing a major sin. Declaring something lawful is if one says, “Riba is lawful,” or says, “Riba is lawful.” That is declaring it lawful. Or if he writes or issues a fatwa that riba is lawful in all its types and that the prohibition has ended. That was in past eras; the world has changed today. This is ruled to be disbelief; this is ruled to be disbelief. But merely taking riba, or frequenting banks, or depositing in them, or investing in them, this is committing a major sin among the major sins, but he is not ruled to be a disbeliever until he explicitly states that riba is lawful and that there is no riba. Yes.