The State Duma adopted a bill aimed at regulating the activities of installment services in Russia. This is evidenced by the card. document on the floor of the lower house of parliament.
The initiative involves the introduction of the status of an intermediary as a legal entity with the right to provide installment payment services. According to the authors, the main feature of such intermediaries is that their services are free of charge, which makes it possible to apply simplified regulations to them.
The bill introduces a number of requirements for installment service operators. In particular, they must be included in a special register, meet the criteria for their own funds, as well as the requirements of shareholders and management bodies. It was proposed to entrust control over the activities of such operators to the Bank of Russia.
The document also obliges operators to transfer information about contracts concluded with the credit bureau if the amount of unfulfilled obligations of the user exceeds 15 thousand rubles.
“The main task is to ensure that the installment mechanism is not used for actual lending, which often happens without complying with the requirements that apply to lenders,” he told the publication. “Vedomosti” Chairman of the State Duma Committee on Financial Markets Anatoly Aksakov.
Before that, it was known that the head of the Central Bank of Russia was Elvira Nabiullina. stated about the revival of “grey” schemes to stimulate the purchase of real estate after the completion of the concessional mortgage program. According to him, these schemes, including installments and cashback, lead to inflated apartment prices and non-transparent conditions for buyers.
Previously in Russia He jumped up the popularity of one type of loan.