What is your opinion on the Sharia councils and committees that banks establish to study banking transactions?

Question:
May Allah reward you, Honorable Shaykh. This questioner asks: What is your opinion on the Sharia councils and committees that banks establish to study banking transactions? And are the fatwas of these committees considered valid, such that there is no blame on a Muslim for acting upon them?

Answer:
This is a matter of conscience that requires the Muslim to be careful. One should not rush. It is known about banks that the majority of their transactions are riba (usury or interest), and that they do not adhere to Sharia transactions; because they import their systems from the West, and from what is done in the West. The predominant practice among them is dealing in riba. And these Sharia committees...
...bear their responsibility before Allah (Glorified and Exalted is He). But the Muslim should not be reassured except by what reassures his own soul. Right is what settles in your soul, and sin is what unsettles your soul, that which you dislike people to see, even if people give you a fatwa. Sin is what unsettles your soul, wavers in the chest, and disturbs the soul.
If the Muslim is not reassured, he does not say, "The committee’s fatwa." The committee does not save you before Allah on the Day of Resurrection, and they are responsible for their fatwas. But you are also responsible for your actions. So if you are not reassured, do not act upon them.
That which does not reassure your soul, that which does not give your conscience peace, do not act upon it. Your hesitation in it is evidence that it is sin. Peace be upon you. It does not exempt you from sin on the Day of Resurrection. Yes.