State Duma MPs approved in the second and third readings invoiceintroduces the “cooling period ında in consumer loans.
“The bill aims to resist fraudulent plans for the theft of funds by using social engineering methods.
As a result of the implementation of such plans, citizens who do not have voluntary consent undertake credit obligations, enter under the debt burden and then transfer money to the attackers. ”
The authors of the changes also provide statistics from credit institutions: the amount of credit given to customers for the period given to customers and then given to the IV quarter of the 2022 IV quarter and then transferred without the voluntary consent of the customer (borrowed) funds were 4.4 billion rubles of 2023.
What will change
According to the document, the debtor will only receive funds after a certain period of time under the consumer loan agreement. This period is at least four hours for loans of 50 thousand to 200 thousand rubles. And if the amount exceeds 200 thousand rubles, at least 48 hours. The same rules will apply if there is an increase in the loan amount or lending limit.
“For the specified time, a citizen, who receives vehicles and is under the influence of a scammer, to understand what is under the influence of what is under the influence of the relatives and friends who can consult and if necessary to contact with a loan to contain information about the fraudulent actions of the institution or law enforcement officers,” – Authorities of changes notes.
New requirements, guarantors, vehicle loans, loans for training, re -financing without increasing the size of the loan and do not affect the loans given through a authorized person. If the money is transferred directly to the seller for loans to pay for goods and services, there will be exceptions (if we don’t talk about online purchases).
The Central Bank will be able to change the requirements specified for the “Cooling Period ında in the study with well -intentioned creditors who effectively apply antifodal perceptions”.
Before the approval of the loan, the banks and financial institutions will have to receive data from the loan office of all appeals of the loans, approval of their applications, rejecting, and concluded agreements. This information will be stored for five years.
In order to identify the customer, banks and MFIs will have to request the can and especially in the FNF database in government information systems. And before registering the funds – make sure that information about the debtor and the buyer overlaps.
Since the creditor is formed on a criminal case on fund theft, a ban on rescue payments is established within the scope of the loan agreement.
As of March 1, 2026, the Central Bank of the MFIs will access information from the database.
The main provisions of the bill will come into force on 1 September 2025.
Credit in 5 minutes
Mill Law Office Partner Lawyer Daniil Gorkov, remarkableWhen applying for loans, banks and fraudsters do not always control the identity of the borrower who allows them to deceive people.
According to him, it usually does not take more than 5-10 minutes to apply for a loan, and the methods and methods of checking the transactions of banks leave a lot of desired. In addition, there are no central records and databases.
“If you face fraudulent actions, you should contact the security service of a particular bank and your lawyer,” Gorkov said.
Ministry of Foreign Affairs and Municipal Finance Reu Associate Professor Reu Gv Plekhanova Mary Valishvili Lifehakican protect against monetary losses.
First of all, the expert advised to limit the amount of operations in the online bank: in the bank’s mobile application, you can set the limit of a transaction or cost limit for a certain period.
In addition, he suggested that a family of Valishvili to use a joint notification service.
Another option is self -back for loans.
“As of March 1, 2025, citizens will be able to establish too much self -return on loans. A university teacher can be published through the application “State Services” portal or by contacting MFC personally. ”
President Vladimir Putin in October 2024 instructed The government and the Central Bank are creating a mechanism to cool loans to combat the fraudsters. The politician also ordered to make changes in the legislation that would force the creditor to send information about the fact that the contract concludes the contract, the conditions of money and the possibility of abandoning them in the “cooling period”.
The instructions were given in August 2024 after a meeting on economic issues.
What are you thinking?
Source: Gazeta
Ben Stock is a business analyst and writer for “Social Bites”. He offers insightful articles on the latest business news and developments, providing readers with a comprehensive understanding of the business world.