The draft on self-prohibition of obtaining loans is being prepared to be submitted to the State Duma
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The bill, which allows through the portal “Gosuslugi” to establish a ban on loans and borrowings, has passed interdepartmental coordination, the Central Bank (CB) said. The document is being prepared for submission to the State Duma. The regulator did not name the timing of the introduction.
On the preparation of the draft Central Bank informed in June 2022. The authorities expect that thanks to this mechanism, citizens will be able to avoid situations where fraudsters issue a loan or a loan in their names. “The bill, which establishes a mechanism for self-prohibition of loans and borrowings, has passed interdepartmental approval, received conceptual market support and is being prepared for submission to the State Duma,” the Central Bank told RIA Novosti.
Vice President of the Association of Banks of Russia (ADB) Alexei Voylukov said the banks “conceptually agree” with the initiative. He clarified that for its implementation it will be necessary to amend the laws on credit histories and on consumer credit. “Citizens will be able, by going to the “Gosuslugi”, to set themselves a ban or restriction on obtaining loans or loans. The self-ban imposed on the State Services will automatically fall into the credit bureaus, ”he added.
By design, self-prohibition will need add to your credit history. It will be checked by banks and microfinance organizations before issuing a loan. Financial market participants said that they generally support the initiative.
Details – in the material “Kommersant” “Very self-limited in means”.
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