Russian legislators propose to simplify the procedure for self-prohibition of loans to citizens. While he writes RBCAccording to the working version of the bill, an application for voluntary refusal to receive a loan can be submitted not only on the State Services portal and multifunctional centers, but also directly through banks and microfinance organizations.
Changes to the “Consumer credit” and “Credit histories” laws may come into force in January 2026. The purpose of these changes is to reduce the risk of fraud when applying for a loan.
Lenders and credit history offices will check whether the ban on lending is valid not only by passport data, but also by TIN. The restrictions come into force the day after the application is submitted and it takes 48 hours for the ban to be lifted.
Changes to the legislation are supported by the Bank of Russia and the government.
January 25 at the Central Bank of the Russian Federation reportedThe number of Russians with three or more loans in hand continued to increase in the second half of 2023. The Central Bank had announced Russians’ inflation expectations for January the day before. decreased In December, it rose to 12.7% instead of 14.2%.
Formerly in the State Duma offered Prohibiting loans to foreign agencies.