Posted 24 января 06:34

Published 24 января 06:34

Modified 24 января 07:02

Updated 24 января 07:02

A bill on self-prohibition on obtaining loans is being prepared for submission to the State Duma

24 января 2023, 06:34
The press service of the Bank of Russia reported that the bill allowing citizens to establish bans on loans and loans through "Public Services" has passed interdepartmental coordination. Now the document is being prepared for submission to the State Duma, but the regulator has not announced specific deadlines.

"The bill fixing the mechanism of self—locking on loans and loans has passed interdepartmental approval, received conceptual support from the market and is being prepared for submission to the State Duma", - the press service of the Central Bank told RIA Novosti.Alexey Voylukov, Vice President of the Association of Banks of Russia (ADB), told the publication that banks "conceptually agree" with the introduction of such a mechanism.

In his opinion, in order to implement the initiative, it is necessary to amend the laws on credit histories and consumer credit."Citizens will be able, by going to the "Public Services", to impose a ban or restriction on obtaining loans or loans.

The exposed self—lock on "Public Services" will automatically get into the Credit history Bureau (BCI)," Voylukov said.He explained that banks always request information from the BCI when they receive a loan application, so they will see the self-lock set.

The Central Bank came up with the idea to introduce a self-restriction mechanism for obtaining loans in June 2022.

The press service of the regulator noted that if the lender still issued funds to citizens with an established self-lock, he will not be able to demand repayment of the debt from the borrower. Then the Central Bank of the Russian Federation proposed to make the procedure for establishing and removing self-locking free of charge, without limiting the number of activations and deactivations. In particular, the solution was proposed as a means of additional protection against fraudsters.