Of Credit Consumer Cooperatives Of Citizens

Original Language Title: О кредитных потребительских кооперативах граждан

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Spspent force-Federal Law dated 18.07.2009 N 190-FZ RUSSIAN FEDERATION FEDERAL LAW On credit consumer cooperatives of citizens Adopted by the State Duma on July 11, 2001 The Federation on July 20, 2001, (In the wording of the Federal Law of 03.11.2006). N 183-FZ) CHAPTER I. GENERAL PROVISIONS Article 1. The subject of regulation of this Federal Law 1. The subject of the regulation of this Federal Law is the relations that arise in the process of creation, operation, reorganization and liquidation of credit consumer cooperatives of citizens. 2. This Federal Law enshrs the principles, limitations and peculiarities of the activities of credit consumer cooperatives, the rights and duties of members of credit consumer cooperatives of citizens, and provides for measures to protect interests Members of credit consumer cooperatives of citizens regulate the interaction of credit consumer cooperatives of citizens and public authorities. Article 2. Legislation on credit consumer cooperatives of citizens 1. The legislation on consumer credit cooperatives is based on the Civil Code of the Russian Federation and consists of the following: OF THE PRESIDENT OF THE RUSSIAN FEDERATION Consumers ' cooperatives. (In the wording of the Federal Law of 03.11.2006) N 183-FZ) 2. This Federal Act does not apply to agricultural credit consumer cooperatives and their unions which carry out their activities in accordance with the Federal Act of 8 December 1995 No. 193-FZ " On Agricultural cooperation. " (Item 2 is supplemented by the Federal Law of March 3, 2006). N 183-FZ) Article 3. Key concepts In this Federal Act, the following basic concepts are used: financial contribution-money transferred by a member of the credit consumer's consumer cooperative to the property of a credit card of the consumer cooperative of citizens to carry out the activities provided for in its charter; personal savings-money transferred by a member of the credit consumer cooperative to the consumer a cooperative of citizens under a treaty to be used in accordance with of the activities of the credit consumer cooperative of citizens; financial assistance fund-funds used by the credit consumer cooperative of citizens to provide loans to their members; its own means of the credit consumer cooperative of citizens and personal savings of its members. Article 4. Credit consumer cooperative 1. A consumer cooperative of citizens is a consumer cooperative of citizens established by citizens voluntarily united to meet the needs of mutual financial assistance. Citizens ' consumer cooperatives may be created on the basis of community of residence, work, professional affiliation or any other community of citizens. 2. The number of members of the credit consumer cooperative may not be less than 15 or more than two thousand people. 3. The name of the credit consumer cooperative of citizens should contain the term "consumer cooperative of citizens". Organizations that do not meet the requirements of this Federal Act are not entitled to use the term "consumer cooperative of citizens" in their names. Article 5. The basic principles of the credit consumer cooperatives of citizens The main principles of the activity of credit consumer cooperatives are: voluntary entry into credit consumer cooperative; freedom to withdraw from the credit consumer cooperative, regardless of the consent of other members of the consumer credit cooperative; equality of rights and duties of all members of the citizens ' credit consumer cooperative are independent From the size of the financial contribution in making decisions; personal participation of members of the credit consumer cooperative of citizens in the management of the citizens ' credit consumer cooperative. Article 6. Membership in the credit consumer cooperative of citizens 1. Citizens who have reached the age of 16 may be members of the credit consumer cooperative. 2. Members of the credit consumer cooperative of citizens have the right: to use all the services provided by the credit consumer cooperative; to participate in the management of the credit consumer cooperative of citizens and to be elected to its organs; to transfer, on the basis of a contract, personal savings to the financial assistance fund of the credit consumer cooperative; to obtain loans for consumer and other needs on conditions, Statutes of the credit consumer cooperative citizens and other documents regulating the activities of the credit consumer cooperative of citizens; receive compensation for the use of their personal savings for the purposes of financial assistance; of the credit consumer cooperative of citizens of any information about the activities of the credit consumer cooperative of citizens, including information on the results of external and internal checks of financial activities, in accordance with the procedure provided for in the report. The charter of the credit consumer cooperative; obtain, upon termination of membership in the credit consumer cooperative of citizens, the monetary value of the share of the property of the credit consumer's consumer cooperative corresponding to the share of the share of the member's credit consumer. Citizens ' cooperative in the sum of the paev contributions of members of the credit consumer cooperative of citizens; to acquire other rights under the legislation of the Russian Federation, the charter of the credit consumer cooperative of citizens; and other instruments governing the operation of the of the consumer cooperative of citizens. 3. Members of the credit consumer cooperative of citizens are obliged: to make a contribution in the manner prescribed by the charter of the credit consumer cooperative of citizens. The size of a member's credit consumer cooperative member's contribution may not exceed ten percent of the total amount of mutual contributions; comply with the charter of the consumer cooperative's consumer cooperative; the general meeting of members of the credit consumer cooperative of citizens and bodies of the credit consumer cooperative adopted within their competence; repay loans in a timely way; Loss of the credit consumer's cooperative Additional contributions within three months after the approval of the annual balance of the credit consumer cooperative. The members of the credit consumer cooperative of citizens are jointly responsible for their obligations under the unincorporated portion of the additional contribution of each member of the credit consumer cooperative of citizens; To carry out other duties as stipulated by the legislation of the Russian Federation, the charter of the credit consumer cooperative of citizens and other documents regulating the activity of the credit consumer cooperative of citizens. 4. A member of the credit consumer cooperative of citizens shall be liable for its obligations to the credit consumer cooperative of citizens on the basis and in the manner provided for by the legislation of the Russian Federation. 5. In the event of the death of a member of the credit consumer cooperative of the citizens of his heirs, if they are not members of the credit consumer cooperative of citizens and do not want or cannot become members of the credit consumer cooperative of citizens, The monetary value of the share of the property of the credit consumer of the citizens, corresponding to the share of the share of the deceased member of the credit consumer cooperative of citizens in the sum of the sum of the credit of the members of the credit consumer Citizens ' Cooperative. Article 7. Cessation of membership in the credit consumer cooperative of citizens 1. Membership of the credit consumer cooperative is terminated in the following cases: voluntary withdrawal from the credit consumer cooperative of citizens; in accordance with the law of the Russian Federation and the charter of the credit consumer cooperative of citizens; death of a member of the credit consumer's cooperative of citizens or recognition of his or her death in established by law. 2. Upon termination of the membership of the credit consumer cooperative of citizens, a member of the credit consumer cooperative shall have the right, under article 6, paragraph 2, of this Federal Act to obtain the monetary value of the share of the credit's property. In the case of a consumer cooperative, a corresponding share of the share of the share in the sum of the shares of the members of the credit consumer cooperative of citizens. The amount should be paid in accordance with the terms of the charter of the credit consumer cooperative of citizens, but not later than three months from the date of the application for withdrawal. Article 8. Associations (unions) of credit consumer consumer cooperatives of citizens 1. Credit consumer cooperatives of citizens have the right to form associations (unions) of credit consumer cooperatives of citizens, to join already established associations (unions) of credit consumer cooperatives of citizens and to leave them. The decision to join the association of credit consumer cooperatives of citizens or to withdraw from it is taken by the general meeting of members of the credit consumer cooperative of citizens. 2. The supreme body of the association (s) of credit consumer cooperatives of citizens is the general meeting of representatives of the credit consumer cooperatives of the citizens who entered the association (union). Article 9. International links of consumer credit cooperatives of citizens Credit consumer cooperatives of citizens and their associations (unions) may, in accordance with the legislation of the Russian Federation, establish international Liaison with organizations of foreign States and international non-governmental organizations. Chapter II. ESTABLISHMENT, RESTRUCTURING AND ERADICATION OF THE CREDIT CONSUPERVISION OF THE CONSUPERVISION OF THE SCHEDULE Article 10. Creation of credit consumer cooperatives of citizens The credit consumer cooperative of citizens is created on the initiative of not less than 15 and not more than two thousand people. State registration of credit consumer cooperatives of citizens is carried out in accordance with the procedure established by the Law on State Registration of Legal Persons. Article 11. Constitutive documents of the credit consumer cooperatives of citizens 1. The consumer cooperative of citizens acts on the basis of the charter, which is approved and modified by the general meeting of the members of the credit consumer cooperative. 2. The charter of the credit consumer cooperative of citizens should provide: name of the credit consumer's consumer co-operative and location; object and purpose of credit consumer activities Citizens ' Cooperative; the procedure for admission to the credit consumer cooperative of citizens and the termination of the membership of the credit consumer cooperative of citizens, including the grounds and procedure for excluding the members of the credit consumer cooperative; size, composition and order (a) (...) (...) (...) withdrawal from the credit consumer cooperative of citizens of monetary value of the share of the property of the credit consumer cooperative of citizens corresponding to the share of its share in the sum of the shares of the members of the credit cooperative cooperative citizens; terms and procedure for obtaining loans by members citizens ' credit consumer cooperative; rights and obligations of members of the credit consumer cooperative; rights and obligations of the credit consumer cooperative of citizens before their members; The composition and competence of the credit consumer cooperative bodies, the order of their creation, the order of their decisions, including those on which decisions are taken by a qualified majority; sources and of the use of credit a consumer cooperative of citizens; funds created by the credit consumer cooperative; members of the credit consumer cooperative of citizens who suffered losses; Providing information to members of the credit consumer cooperative of citizens and the responsibility of the credit consumer consumer cooperative bodies for its failure to provide information; procedure for regular and extraordinary external checks financial activities of the credit consumer Citizens 'Cooperative; Reorganization and Elimination of Citizens' Credit Cooperatives. 3. The Charter of the credit consumer cooperative of citizens may contain provisions that are not contrary to the legislation of the Russian Federation governing the establishment and operation of the credit consumer cooperative of citizens and its bodies, The number of restrictions on the participation of close relatives in the bodies of the credit consumer cooperative of citizens. Article 12. Reorganization of the credit consumer cooperative of citizens Reorganization of the credit consumer cooperative of citizens is carried out on the basis and in the manner provided for by the legislation of the Russian Federation. The general meeting of the members of the credit consumer's consumer cooperative is the body of the credit consumer cooperative of citizens entitled to decide on the reorganization of the citizens ' credit consumer cooperative. In case the number of members of the credit consumer cooperative exceeds 2,000 people, within 6 months from the moment the limit is reached, the reorganization of the credit consumer cooperative of citizens in the form of it is carried out Separation of one or more legal entities from its membership in the manner provided for in the legislation of the Russian Federation. Article 13. Elimination of the credit consumer's consumer cooperative 1. Elimination of the credit consumer cooperative of citizens is carried out on the basis and in the manner provided for by the legislation of the Russian Federation. The elimination is also carried out if the number of members of the credit consumer cooperative is less than 15. The general meeting of members of the credit consumer cooperative of citizens is the body of the credit consumer cooperative of citizens entitled to decide on voluntary liquidation. 2. The property of the credit consumer cooperative, which remains after satisfying the creditors ' claims, is distributed among the members of the credit consumer's cooperative in accordance with their financial contributions. Chapter III. (...) (...) The property of the credit consumer's consumer cooperative 1. The property of the credit consumer cooperative of citizens is formed by the paev contributions of its members, the income of the credit consumer cooperative of citizens from its activities, as well as from sponsorship contributions, charitable donations and charitable donations. OF THE PRESIDENT OF THE RUSSIAN FEDERATION 2. Property of the credit consumer's cooperative is vested in him on the right to own property. 3. The personal savings of the members of the credit consumer cooperative who are attracted to the financial assistance fund are not the property of the credit cooperative and are not burdened with the fulfilment of its obligations. Article 15. Transfer of personal savings to the use of the credit consumer cooperatives 1. Transfer of personal savings to the credit consumer cooperative of citizens is carried out on the basis of a contract concluded between the credit consumer cooperative of citizens and its member in writing. Failure to comply with the written form of the treaty in writing shall entail nullity. 2. The contract for the transfer of personal savings to the credit consumer cooperative shall contain terms and conditions of the amount of personal savings provided, the order of their transfer, the period and the procedure for their return by the credit consumer's consumer cooperative; The amount and the order in which they are used. The parties to the treaty may provide for other conditions. 3. The credit card consumer's consumer co-operative board members for the use of their personal savings are included in the expenses of the citizens ' credit consumer cooperative. 4. The personal savings of citizens transferred on the basis of a contract for the use of the credit consumer cooperative are taken into account and shown separately from other funds of the financial assistance fund of the credit consumer cooperative. Article 16. Foundation for Financial Mutual Aid of the Credit of the Consumer Cooperative of Citizens 1. A financial assistance fund, which is a source of loans to members of the citizens ' credit consumer cooperative, is being established in the credit consumer cooperative. 2. The financial assistance fund is formed at the expense of part of its own funds of the consumer cooperative of citizens, the size of which is determined by the board of the credit consumer cooperative of citizens in accordance with its charter and decision. of the general meeting of members of the credit consumer cooperative, as well as personal savings of members of the credit consumer cooperative of citizens transferred on the basis of the agreement on the use of the credit consumer cooperative of citizens only to provide loans to their members. 3. Part of the financial assistance fund for loans for business purposes may not exceed one half of the financial assistance fund. This part of the financial assistance fund is established in accordance with the charter of the credit consumer cooperative of citizens by a general meeting of members of the credit consumer cooperative. 4. The amount of the temporarily free fund balance of the financial assistance fund cannot be more than half of the fund. The free fund balance of the financial assistance fund can be used exclusively for the acquisition of public and municipal securities, as well as for deposit in deposit accounts in banks. Article 17. The procedure for granting loans to consumer cooperatives of citizens 1. The funds of the financial assistance fund of the credit consumer cooperative are used to provide loans only to members of the citizens ' credit cooperative. 2. The transfer of funds by a credit consumer cooperative to citizens of its members shall be drawn up by a loan agreement. The loan contract is concluded in writing. Failure to comply with the written form of the loan contract shall entail its invalidity. 3. The loan contract may be interest-free unless expressly provided otherwise in cases where the contract is in an amount not exceeding the amount provided for in article 809 the Civil Code of the Russian Federationand is not related to the borrower's business activity. Article 18. Non-financial services of the credit consumer's consumer cooperative of citizens The credit consumer cooperative can provide other services to their members consistent with the objectives of credit consumer activities. of citizens ' cooperatives and not contrary to the legislation of the Russian Federation, including: To conclude insurance contracts on behalf of and on behalf of its members, in accordance with their statutes and the decisions of the general meeting of the members of the credit union consumer cooperative; Advisory services to its members. Article 19. Restrictions on the activity of the credit consumer cooperative of citizens Credit consumer cooperative of citizens may not: issue loans to non-credit consumer citizens a cooperative of citizens; issue loans to legal entities; to act as a guarantor for the obligations of its members and third parties; associations and societies, production cooperatives and other means to participate in the formation of property of legal entities; to imitate their own securities; to buy shares and other securities of other issuers, to carry out other transactions on financial and stock markets, excluding the holding of funds in current and deposit accounts in banks and the acquisition of state and municipal securities. Article 20. Protection of the financial interests of members of the credit consumer cooperative of citizens 1. A credit consumer cooperative should form a reserve fund to provide for contingencies and may form an insurance fund to cover possible losses from the activities of the citizens ' credit consumer cooperative. The size of the insurance and reserve funds is approved by the general meeting of the members of the credit consumer cooperative. 2. The credit consumer's cooperative in accordance with its charter or the general meeting of the members of the credit consumer cooperative of citizens insured the risk of non-return of loans on the occasion of death or disability of the borrower in State insurance companies or insurance companies established by associations (unions) of credit consumer cooperatives or with their participation for these purposes. In the event that the risk is not insured, the insurer is approved by the general meeting of the members of the citizens ' credit consumer cooperative to represent the credit consumer's consumer cooperative. 3. The statutes of the credit consumer cooperative of citizens or the decisions of the general meeting of the members of the credit consumer cooperative shall establish financial standards for its activities. The limits are imposed on the ratio: the sum of the shares and the amount of personal savings; own funds of the credit consumer cooperative of citizens and the total commitment of credit consumer cooperative; value of the reserve fund and size of the financial assistance fund; the size of loans granted to a member of the credit consumer cooperative of citizens and the size of the fund Mutual assistance. Other regulations may be established by the Charter of the credit consumer cooperative of citizens or by decisions of the general meeting of members of the credit consumer cooperative. 4. A credit consumer cooperative of citizens is responsible for its obligations to its members on the basis of and in accordance with the procedure provided by the legislation of the Russian Federation. CHAPTER IV. MANAGEMENT AND MONITORING OF CREDIT CONSUPERVISION ACTIVITIES OF THE CONSUPERVISION OF THE CITIZENS Article 21. The consumer's credit consumer cooperative 1. The bodies of the credit consumer cooperative of citizens are the general meeting of members of the credit consumer cooperative of citizens, the board of the credit consumer cooperative of citizens, and the credit commission of the credit consumer cooperative. Citizens 'Cooperative Societies and the Director of the Citizens' Credit Cooperatives. The credit consumer cooperative of citizens may also have a committee on loans and (or) other bodies in accordance with this Federal Law and the Statute. 2. Members of the board, members of the loan committee and members of the audit commission of the credit consumer cooperative of citizens do not receive payment for their activities in these bodies. Members of the board, members of the loan committee and members of the audit commission of the credit consumer cooperative of citizens may be reimbursed for expenses incurred by them in carrying out their activities in these bodies. 3. The activities of the board, the committee on loans, the audit commission and the director of the credit consumer cooperative of citizens are regulated by the charter of the credit consumer cooperative of citizens and the provisions on credit consumer bodies. Citizens ' Cooperative, if the said provisions are approved by the general meeting of the members of the credit consumer cooperative. Article 22. General meeting of the credit consumer co-op 1. The general meeting of members of the credit consumer cooperative of citizens is the supreme body of the consumer credit cooperative of citizens. A meeting attended by at least 70 per cent of the members of the consumer cooperative is considered to be the right person. The ordinary meeting is held within the time limits defined by the charter of the credit consumer cooperative of citizens, but at least once a year. An extraordinary general meeting of members of the credit consumer cooperative is convened at the initiative of the board, the committee on loans, the audit commission or the director of the credit consumer cooperative, or at the request of at least One third of its total membership. 2. The exclusive competence of the general meeting of members of the credit consumer cooperative of citizens, which is decided by two-thirds of the total number of members of the credit consumer cooperative of citizens, includes: Adoption of the Statute, modification of it and amendments thereto; approval of regulations on the formation and use of monetary assets of the credit consumer cooperative of citizens, on contracts concluded by credit institutions. the consumer cooperative of citizens with their members, of the credit consumer cooperative of citizens, as well as other provisions on the activities of the credit consumer cooperative of citizens; approval of the main directions of spending of the funds of the credit consumer cooperative of citizens, in The number of administrative limits; the definition of loan principles, including the determination of the maximum loan size granted to a member of the consumer credit cooperative; solution of credit institutions (unions) Citizens 'consumer cooperatives and their withdrawal from these associations (unions); Decision on the reorganization and liquidation of the citizens' credit consumer cooperative. The issues that are decided by a majority of votes include: Election of the Board of the Credit Consumer Cooperative of Citizens, its Chairman, the Audit Commission of the Credit Consumer Cooperative Citizens, their reelection, and consideration of their activity reports; approval of decisions of the board of the credit consumer cooperative of citizens and of an audit commission of the credit consumer cooperative of citizens requiring under this Federal Act or bylaws credit consumer cooperative of citizens; approval of annual balance; the adoption of an audit decision and the selection of an auditor; of citizens ' consumer cooperative and their use, approval of reports on the use of funds of the credit consumer cooperative. 3. The general meeting of the members of the credit consumer cooperative of citizens is entitled to take up any question relating to the activities of the credit consumer cooperative of citizens and to make a decision on this matter, if it is made. The initiative of the board of the credit consumer cooperative of citizens or its chairman, the audit commission of the credit consumer cooperative of citizens or of one of its members, the loan committee of the consumer cooperative of citizens, or Director of the credit consumer cooperative of citizens, or A requirement of at least one third of the total number of its members. 4. The decision of the general meeting of members of the credit consumer cooperative of citizens is deemed accepted if more than half of the participants in the meeting, entitled to make decisions in accordance with the bylaws of credit consumer goods, voted for it. Citizens ' Cooperative. Article 23. The board of credit consumer cooperative of citizens 1. During periods between the general meetings of the members of the credit consumer cooperative of citizens, the management of the credit consumer cooperative is under the supervision of the citizens. The chairman of the board of the credit consumer cooperative of citizens and its members are elected by the general meeting of members of the credit consumer's cooperative of citizens by secret ballot. 2. The Chairman of the Board of Credit Consumer Co-operatives and members of his board cannot hold the position of director of the credit consumer cooperative of citizens, cannot be members of the credit commission of the credit consumer. Cooperatives of citizens and members of the loan committee of the citizens ' credit consumer cooperative. A member of the Board of Credit Consumer Cooperatives may combine his or her board with the work of the citizens ' consumer cooperative credit cooperative (contract). The number of board members working in the consumer credit cooperative of citizens under the employment contract (contract) should not exceed one third of the board. Article 24. Committee on Loans Loans Citizens ' Cooperative 1. The Committee on Loans of Citizens ' Consumer Cooperatives (hereinafter-the Loans Committee) decides on loans and their return in accordance with the principles established by the general meeting of credit consumer members. Citizens ' Cooperative. 2. The Committee on Loans is elected by the general meeting of members of the credit consumer cooperative of citizens by secret ballot. In credit consumer cooperatives of citizens with more than 100 members, the selection of a loan committee is mandatory. In credit consumer cooperatives of citizens with fewer than 100 members, the functions of the loan committee may be entrusted to the general meeting of members of the credit consumer cooperative of citizens on board. The members of the loan committee may not be the director of the credit consumer cooperative of citizens, the chairman of the board of the credit consumer cooperative of citizens and members of his board, members of the Audit Commission of Credit of the consumer cooperative of citizens. The members of the loan committee may not combine their activities on the loan committee with the work in the credit consumer cooperative of citizens under the employment contract (contract). Article 25. The Audit Commission of the Credit of the Consumer Cooperative of Citizens 1. The Audit Commission, which is elected by the general meeting of members of the credit consumer cooperative of citizens, monitors the activities of the credit consumer cooperative of citizens and its bodies. 2. The members of the Audit Commission cannot be the director of the credit consumer cooperative of citizens, the chairman of the board of the credit consumer cooperative of citizens and members of his board, members of the loan committee. 3. Members of the Audit Commission of the credit consumer cooperative of citizens may not combine their activities in the audit commission with work in the credit consumer cooperative of citizens under the employment contract (contract). Article 26. The director of the credit consumer cooperative 1. The executive body of the consumer credit cooperative of citizens is the director. The director of the credit consumer cooperative of citizens is appointed and dismissed by the general meeting of the members of the credit consumer's consumer cooperative, and between the general meetings of the members of the credit consumer cooperative Citizens of the credit consumer cooperative of citizens with mandatory approval at the nearest ordinary meeting. The director of the credit consumer cooperative may not be a member of the citizens ' credit cooperative. 2. The director of the credit consumer cooperative of citizens carries out his activities in accordance with the charter of the credit consumer cooperative of citizens, the decisions of the general meeting of members of the credit consumer cooperative of citizens and its citizens. The board. 3. The director of the credit consumer cooperative of citizens cannot be elected chairman of the board of the credit consumer cooperative of citizens, a member of his board, a member of the Audit Commission of the credit consumer cooperative of citizens, Member of the loan committee. 4. The director of the credit consumer cooperative of citizens may accept the employment contract (s) of the employees on the basis of an established general meeting of the members of the credit consumer. Cooperatives of citizens for the total cost of administrative expenses. 5. A credit consumer cooperative acquires and exercises civil rights and duties through its director, who acts on behalf of the citizens ' consumer cooperative. Article 27. State regulation of the activities of the credit consumer cooperatives and their unions 1. State regulation of credit consumer cooperatives and their unions is governed by the following main forms: Credit cooperatives and their unions are registered; of cooperatives and their unions in accordance with the legislation of the Russian Federation; applying measures of responsibility to credit consumer cooperatives and their unions in the event of their failure to comply with the requirements of Russian legislation. 2. State regulation of credit cooperatives and their unions is regulated by the authorized federal executive body. 3. The Commissioner of the federal executive branch shall enact regulations in accordance with the requirements of this Federal Act, which are binding on the activities of credit cooperatives and their unions. Article 28. Self-regulation of the credit cooperation 1. Credit consumer cooperatives have the right to establish self-regulatory bodies. 2. The self-regulatory bodies of credit cooperatives are the public organizations (associations), associations and unions of legal persons established and registered in accordance with the procedure established by law. 3. Self-regulatory bodies can exercise the following basic powers: (a) be engaged by the authorized federal executive authority to monitor the activities of credit cooperatives, compliance with the law They may apply to the federal executive body and other bodies of the federal executive branch in connection with the violation of this federal law. or to remove obstacles to credit consumer cooperatives; in) bring legal action before the courts, to the arbitral tribunal for the benefit of members of credit consumer cooperatives and their unions in the event of violation of their rights under the law OF THE PRESIDENT OF THE RUSSIAN FEDERATION Regulation of credit consumer cooperatives and their unions; (e) Other functions provided for in its statute. Article 29. Mutual relations of credit consumer cooperatives with authorities Credit consumer cooperatives of citizens cooperate with the authorities of the constituent entities of the Russian Federation and local authorities in the case Implementation of the requirements of this Federal Act. State authorities of the constituent entities of the Russian Federation and local self-government bodies are unable to make decisions limiting the right of citizens to join the credit consumer. Citizens ' cooperatives, as well as the rights of credit consumer cooperatives of citizens and their members. CHAPTER V. CONCLUDING PROVISIONS Article 30. The enactment of this Federal Law 1. This Federal Law shall be enforced from the date of its official publication. 2. The constituent instruments of the organizations established prior to the enactment of this Federal Act and which carry out the activities of this Federal Act are subject to conformity with this Federal Act for the duration of the Act. since the date of its introduction. The constituent documents of these organizations, which are not in conformity with this Federal Law within one year of its entry into force, shall be deemed null and void. 3. Prior to the enactment of the law on State registration of legal entities, State registration of credit consumer cooperatives of citizens is carried out in accordance with the law. 4. Invite the President of the Russian Federation and instruct the Government of the Russian Federation to bring its normative legal acts into conformity with this Federal Law. President of the Russian Federation Vladimir Putin Moscow, Kremlin August 7, 2001 N 117-FZ