On Insurance Of Deposits Of Natural Persons In Banks Of The Russian Federation

Original Language Title: О страховании вкладов физических лиц в банках Российской Федерации

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                      RUSSIAN FEDERATION federal law on strahovaniivkladov individuals in bankahRossijskoj Federation Adopted November 28, 2003 GosudarstvennojDumoj year SovetomFederacii 10 December 2003 Approved (in red.  Federal law dated August 20, 2004  N 106-FZ collection zakonodatel′stvaRossijskoj Federation, 2004, no. 34, art.
3521; Federal law dated December 29, 2004 N 197-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 23;
Federal law dated October 20, 2005  N 132-FZ-collection of laws of the Russian Federation, 2005, no. 43, St. 4351;
Federal law dated July 27, 2006 N 150-FZ-collection of laws of the Russian Federation, 2006, N 31, art. 3449;
Federal law dated March 13, 2007 N 34-FZ-collection of laws of the Russian Federation, 2007, N 12, art.  1350;
Federal law dated October 13, 2008  N 174-FZ-collection of laws of the Russian Federation, 2008, N 42, art.  4699;
Federal law dated December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225;
Federal law dated November 25, 2009 N 281-FZ-collection of laws of the Russian Federation, 2009, no. 48, art.  5731;
Federal law dated December 29, 2010  (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, art. 49;
Federal law dated June 27, 2011 N 162-FZ-collection of laws of the Russian Federation, 2011, N 27, art.  3873;
Federal law dated July 11, 2011 N 171-FZ-collection of laws of the Russian Federation, 2011, N 29, art.  4262;
Federal law dated May 7, 2013 N 81-FZ-collection of laws of the Russian Federation, 2013, no. 19, art. 2308;
Federal law dated July 2, 2013  N 146-FZ-collection of laws of the Russian Federation, 2013, N 27, art. 3438;
Federal law dated December 2, 2013 N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336;
Federal law dated December 28, 2013  (N) 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art.  6975;
Federal law dated April 2, 2014 N 41-FZ-collection of laws of the Russian Federation, 2014, N 14, art.  1533;
Federal law dated July 21, 2014 N 218-FZ-collection of laws of the Russian Federation, 2014, N 30, art.  4219;
Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543;
Federal law dated December 29, 2014  (N) 451-FZ-collection of laws of the Russian Federation, 2015, N 1, art.  4;
Federal law dated December 29, 2014  N 461-FZ-collection of laws of the Russian Federation, 2015, N 1, art.  14;
Federal law dated June 29, 2015 N 167-FZ-collection of laws of the Russian Federation, 2015, N 27, art. 3958;
Federal law dated July 13, 2015 N 229-FZ-collection of laws of the Russian Federation, 2015, N 29, art. 4355) this Federal′nyjzakon sets out the legal, financial and organizational foundations for the functioning of the system of compulsory health insurance for deposits in banks of the Russian Federation (hereinafter referred to as the deposit insurance system), competence, order of formation and deâtel′nostiorganizacii, which functions on compulsory insurance of deposits (deposit insurance agency, hereinafter also referred to as the Agency), the order for payment of compensation on deposits, reguliruetotnošeniâ between the banks of the Russian Federation, by the Agency, the Central Bank of the Russian Federation (BankomRossii) and executive authorities of the Russian Federation in the sphere of relations for compulsory insurance of fizičeskihlic deposits in banks.
 
                     Chapter1. General provisions Article 1. Celinastoâŝego federal law and relations, they are adjustable 1. The objectives of this federal law âvlâûtsâzaŝita of the rights and legitimate interests of depositors of the banks of the Russian Federation, strengthening confidence in the banking system of the Russian Federation and the stimulation of attracting savings in the banking system of the Russian Federation.
     2. this federal law regulates the establishment and operation of the deposit insurance system, formation and use its cash fund reimbursement payments on deposits on occurrence of strahovyhslučaev, as well as the relations arising in connection with execution of State control zafunkcionirovaniem deposit insurance system, and other relations arising in this area.
     3. the nastoâŝegoFederal′nogo the Act does not apply to other forms of insurance of deposits of natural persons to ensure their return and the payment of interest on them.
     4. In accordance with the purposes of this federal law shall be established by the peculiarities of the legal status of participants in the deposit insurance system and the definition of essential conditions of obligatory deposit insurance, the insured event, paying insurance premiums and receive the insurance compensation for compulsory insurance contributions.
     5. Relations arising in connection with the establishment and operation of the deposit insurance system, governed by this federal law, other federal laws, and in cases stipulated by this federal law, adopted in accordance with the regulations of the Government of the Russian Federation and the normative acts of the Bank of Russia.
 
     Article 2. Osnovnyeponâtiâ used in this Federal′nomzakone in this Federal′nomzakone uses the following concepts: 1) bank-credit institution with the permission of the Bank of Russia to attract cash assets of private individuals into deposits and to open and maintain bank accounts of physical persons, issued by the Bank of Russia banks in the manner prescribed by the Federal law "on banks and banking activities" (as amended by federal law from February 3, 1996 N 17-ФЗ) (hereinafter referred to as the Federal law "on banks and banking activities");
     2) contribution-denežnyesredstva in the currency of the Russian Federation or foreign currency deposited by individuals or in their favor in the Bank on the territory of the Russian Federation on the basis of agreement of bank deposit or bank account contracts, including capitalized (underground) percents on deposit amount (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225);
     3) register of banks-generated in accordance with this federal law list of registered banks in deposit insurance system;
     4) Investor-a citizen of the Russian Federation, foreign citizen or person without citizenship, concluding a deposit agreement with the Bank or the bank account agreement, or any of the persons in favor of whom contributed to;
     5) compensation for deposits (deposits) (hereinafter also-indemnity) is the amount of money payable to the depositor in accordance with this federal law upon occurrence of an insured event;
     6) permit BankaRossii-Bank of Russia issued a license for bank deposits cash and fizičeskihlic to open and maintain bank accounts of physical persons in the manner prescribed by the Federal law "on banks and banking activities";
     7) mandatory deposit insurance fund deficit-insufficient Fund for the implementation of the mandatory deposit insurance on reimbursement of deposits in this Federal Act time;
     8) counterclaims-monetary obligations of the depositor before the Bank on civil law transactions and (or) other prescribed by legislation of the Russian Federation the grounds under which the depositor is a debtor Bank (item 8 was introduced by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225).
 
     Article 3. Osnovnyeprincipy Basic deposit insurance system deposit insurance principamisistemy are: 1) mandatory participation of banks in the deposit insurance system;
     2) reduced risk for adverse consequences for depositors in the event of default by the banks with their obligations;
     3) prozračnost′deâtel′nosti deposit insurance system;
     4) cumulative formation of the mandatory deposit insurance fund through regular insurance premiums of banks-participants of the deposit insurance system.
 
     Article 4. Deposit insurance Učastnikisistemy Parties sistemystrahovaniâ deposits are: 1) the depositors, recognized for the purposes of this federal law, beneficiaries;
     2) banks made in the prescribed manner to the register banks recognized for the purposes of this federal law, insurers;
     3) Agency, recognized for the purposes of this federal law, the insurer;
     4) Bank of Russia priosuŝestvlenii the functions deriving from this federal law.
 
     Article 5. Deposits insurance in accordance with this federal law 1. In accordance with this federal law are subject to insurance contributions in the order, sizes and conditions established by Chapter 2 of this federal law, with the exception of funds specified in part 2 of this article.
     2. under past federal law should not be insured funds:

     1) nabankovskih-hosted accounts (deposits) lawyers, notaries and other persons if such accounts (deposits) are open for implementation under the Federal law of professional activity (in red.  Federal law dated December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225; Federal′nogozakona from December 28, 2013 N 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art.
6975);
     2) placed in bank deposits by individuals, including certified savings certificate and (or) savings book to bearer;
     3) individuals in banks asset management;
     4) posted by vovklady outside the territory of the Russian Federation, branches of banks of the Russian Federation;
     5) are electronic cash (paragraph 5 was introduced by the Federal law of June 27, 2011  N 162-FZ-collection of laws of the Russian Federation, 2011, N 27, art. 3873);
     6) hosted nanominal′nyh accounts, except for certain nominal accounts kotoryeotkryvaûtsâ carers or guardians and beneficiaries which are wards, mortgage escrow accounts and accounts, unless otherwise stipulated by this federal law (paragraph 6 was introduced by the Federal law dated July 21, 2014  N 218-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art.  4219; in red. Federal law dated December 22, 2014 N 432-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 52, art. 7543). 3. Deposit insurance is effected by this federal law and does not require the insurance contract.
 
     Article 6. Učastiebankov deposit insurance system 1. Participation inmanagement system of deposit insurance in accordance with this federal law is mandatory for all banks.
     2. Bank deposit insurance system sčitaetsâučastnikom from the day of its registration before the date of the withdrawal of its registration in the system of deposit insurance in accordance with article 28 of this federal law.
     3. Banks are obliged to: 1) pay insurance premiums to the mandatory deposit insurance fund (hereinafter insurance premiums);
     2) provide investors with information about its participation in deposit insurance system, the manner and extent of reimbursement of deposits;
     3) post information about deposit insurance system affordable for depositors the Bank's premises, kotoryhosuŝestvlâetsâ maintenance of depositors;
     4 učetobâzatel′stv) to keep the Bank towards its depositors and the counter-claims of the Bank to the depositor, providing the Bank's readiness to form upon occurrence of an insured event, as well as on any day at the request of the Bank of Russia (dnejso within seven calendar days of receipt by the Bank specified requirements) reestrobâzatel′stv the Bank towards its depositors in the manner and form that are fixed on the proposal of the Agency (as amended by the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225);
     5) perform other duties stipulated by this federal law.
 
     Chapter 2. The order of reimbursement of deposits iusloviâ Article 7. Pravavkladčikov 1. Depositors have the right to: 1) to receive the vozmeŝeniepo deposits in the manner prescribed by this federal law;
     2) report to the Agentstvoo facts Bank delays execution of liabilities under deposits;
     3) getting otbanka in which they post contribution, and from the agency information on the participation of the Bank in deposit insurance system, the manner and extent of reimbursement of deposits.
     2. the depositor who receives compensation for deposits placed in the Bank, in relation to the insured event kotorogonastupil retains the right to the Bank requirements to the amount defined by the kakraznica between the size requirements of the investor to the Bank and the amount paid him compensation for deposits in this bank.
Satisfaction of such claims a contributor to the Bank is carried out in accordance with the civil legislation of the Russian Federation.
     3. When concluding a deposit agreement (agreement of bank account) in favor of a third party investor rights stipulated by this federal law, an individual acquires, pol′zukotorogo introduced by such a bank deposit (bank account) (part 3 of the Federal law was introduced December, 2008 ot22.  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225). 4. Nominal account Treaty investor rights stipulated by this federal law, acquires a natural person who is a beneficiary of this account (part 4 introduced the Federal law of December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art.
7543). Article 8. Strahovojslučaj 1. For the purposes of nastoâŝegoFederal′nogo of the law of insurance event is one of the following circumstances: 1) revocation (cancellation) of the Bank of Russia's banking license for carrying out banking operations (hereinafter referred to as the license of the Bank of Russia) in accordance with the Federal law "on banks and banking activity", if you have not implemented the plan for the Agency's involvement in the settlement of the obligations of the Bank in accordance with the Federal law of October 26, 2002 N 127-FZ "on Insolvency (bankruptcy)" (hereinafter referred to as the Federal law on Insolvency (bankruptcy) "(as amended by the Federal law of December 22, 2014 N-432 FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 52, art. 7543);
     2) introduction BankomRossii in accordance with the legislation of the Russian Federation moratorium on satisfaction of the claims of creditors of the Bank.
     2. insured event is deemed to come from the date of revocation (cancellation) in bankalicenzii of the Bank of Russia or from the date of introduction of moratorium on satisfaction of creditors ' claims of the Bank (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225).
 
     Article 9. Vozniknovenieprava investor to a refund of deposits 1. The right to claim compensation under the investor deposits occurs from the date of occurrence of the insured event.
     2. A person who has acquired the right of the depositor to deposit requirements (deposits) after the occurrence of the insured event, the right to indemnity for such contribution (deposits) is not, except in the case of the natural person had acquired a right to claim inheritance, on which payment of insurance compensation to the depositor was made (hereinafter referred to as heir).
The heir is entitled to use the rights of a deceased contributor under this federal law, from the date of issuance of the heir to the corresponding certificate on the right to nasledstvoili other document confirming his right to inheritance or the right to use the money funds of the testator (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225).
     3. in case of transfer by inheritance after the occurrence of the insured event claim on the deposit (deposit) contributor to several heirs, each of them acquires the right to not take paid depositor insurance compensation in proportion to the size of the acquired rights of claim on specified deposit (deposit). When the payment of the specified recovery naslednikustrahovogo deposit (deposits) is not dependent on the payment of the compensation for other heir deposits (part 3 introduced the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225). Article 10. Porâdokobraŝeniâ for reimbursement of deposits 1. Contributor (his/her representative or heir (the heir) may apply to the Agency requesting reimbursement of deposits from the day the insured slučaâdo the date of completion of the bankruptcy proceedings, and with the introduction of the Bank of Russia moratorium on satisfaction of creditors ' claims-until the day of the expiration of the moratorium (in red.  Federal law dated December 22, 2008 N 270-FZ-Sobraniezakonodatel′stva Russian Federation, 2008, no. 52, art. 6225). 2. If you skip a contributor (egonaslednikom) the time limit for seeking reimbursement of deposits specified in časti1 of this article on the application of the depositor (his heir) may be recovered by the decision of the Agency in any of the following circumstances (in red.  Federal law dated December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225): 1) if treatment with a demand for reimbursement of deposits prevented emergency and unstoppable in the circumstances, the fact (force majeure) (in red.  Federal law dated December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225);
     2) if the investor (heir) was held (passes) on the call of military service or was (is) in the armed forces of the Russian Federation (the other troops, military units, organs), translated navoennoe position, for the period of such service (martial law) (in red.  Federal law dated December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225);
     3) if pričinapropuska specified term is associated with severe disease contributor (his heir), helpless state contributor (his heir), with the timing of the adoption of the heir

contributor of inheritance and other factors related to the person of the investor (his heir) (as amended by the Federal law of December 22, 2008 N 270-FZ-Sobraniezakonodatel′stva Russian Federation, 2008, no. 52, art. 6225).
     3. the decision of the Board of the Agency on the refusal of renewal of a missed period for seeking vyplatevozmeŝeniâ on deposits may be appealed by the depositor (egonaslednikom) in court. (in red.  Federal′nogozakona from December 22, 2008  N 270-FZ collection zakonodatel′stvaRossijskoj Federation, 2008, no. 52, art.
6225). 4. If you contact the agency requesting reimbursement of deposit the depositor (the heir) represents (as amended by the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225): 1) application in the form of a particular agency;
     2) documents proving his identity, or heir also documents proving its right of inheritance or the right to use the funds of the testator (as amended by the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225);
     5. when applying to the agency requesting reimbursement of deposits, the representative of the depositor (the heir) narâdus documents specified pips 1 and 2 of part 4 of this article, is takženotarial′no certified power of Attorney (as amended by the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225). Article 11. Razmervozmeŝeniâ on deposits 1. The amount of compensation on deposits of each depositor shall be established based on the amount of the deposit liabilities of the Bank in respect of which the insured event, in front of this contributor.  When calculating the sum of the obligations of the Bank towards a depositor only deposits are insured in accordance with article 5 of the present Federal law.
     2. reimbursement of deposits in the Bank, in respect of which the insured event shall be paid to the investor at a rate of 100 per cent of the deposit balance but not to exceed 1 400 0000 rubles unless otherwise stipulated by this federal law (as amended by the Federal law of October 13, 2008  N 174-FZ-collection of laws of the Russian Federation, 2008, N 42, art. 4699;
Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543;
Federal law dated December 29, 2014  (N) 451-FZ-collection of laws of the Russian Federation, 2015, N 1, art. 4).
     3. If the depositor has several deposits in one bank, compensation is paid for each izvkladov in proportion to their size, but not more than 1 400 0000 rubles in total.
Set this part of usloviedejstvuet in respect of all contributions made by the contributor (contributor) in one bank, including deposits made in connection with the implementation of the envisaged by the Federal law of entrepreneurial activity (excluding escrow accounts predusmotrennyhstat′ej 12-1 hereof) (as amended by the Federal zakonaot July 27, 2006  N 150-FZ-Sobraniezakonodatel′stva Russian Federation, 2006, N 31, art. 3449; Federal law dated March 13, 2007  N 34-FZ collection zakonodatel′stvaRossijskoj Federation, 2007, N 12, art. 1350; Federal law dated October 13, 2008 N 174-FZ-Sobraniezakonodatel′stva Russian Federation, 2008, N 42, art. 4699; Federal′nogozakona from December 28, 2013 N 410-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 52, art.
6975; Federal law dated December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543;
Federal law dated December 29, 2014  (N) 451-FZ-collection of laws of the Russian Federation, 2015, N 1, art. 4).
     4. If the insurance event occurs in relation to several banks, in which the depositor has deposits, the indemnity is calculated with respect to each bank separately.
     5. the amount of compensation on deposits is calculated based on the size of the balance of funds on the deposit (deposit) the depositor in the Bank at the end of the day of the occurrence of the insured event.
     6. If the Bank's obligation in respect of which the insured event, before the investor is expressed in foreign currency, the amount of compensation on deposits is calculated in the currency of the Russian Federation at the rate set by the Bank of Russia put on occurrence of the insured event.
     7. If the Bank in respect of which came strahovojslučaj, acted in relation to the investor as lender, the amount of compensation on deposits is determined on the basis of raznicymeždu the sum of the obligations of the Bank to the depositor and the amount of the Bank's counterclaims to the investor arising before the date of the occurrence of the insured event.
 
     Article 12. Porâdokvyplaty reimbursement of deposits 1. Agency in tečeniesemi days of the receipt of the Bank in respect of which the insured event, the obligations of the Bank towards its depositors registry sends in this Bank, as well as for the publication in the Bulletin of the Bank of Russia "and organ on the location of the Bank message about the place, time, form and manner of receipt of applications for reimbursement of depositors for deposits.  Within one month from the date of receipt of the Bank register obligations of the Bank towards its depositors Agency napravlâettakže an appropriate message to the depositors of the Bank in respect of which the insured event.
     2. Specified in part 1nastoâŝej article information the depositor has the right to get directly to the Bank in respect of which the insured event, as well as at the Agency.
     3. When submitting contributor (his representative) in Agency documents provided by paragraphs 4 and 5 of article 10 hereof, the Agency submits to the depositor of the extract from the register obligations of the Bank towards its depositors, stating the amount of compensation on its deposits.
     4. payment of vozmeŝeniâpo deposits produced by the Agency in accordance with the registry obligations of the Bank towards its depositors, formed by the Bank in respect of which strahovojslučaj came within three working days from the dnâpredstavleniâ contributor in Agency documents provided by paragraphs 4 and 5 of article 10 of this federal law, but not earlier than 14 days from the date of occurrence of the insured event (in red.  Federal law dated December 22, 2008 N 270-FZ-Sobraniezakonodatel′stva Russian Federation, 2008, no. 52, art. 6225). 5. When reimbursement of deposits Agentstvopredstavlâet depositor a certificate of amounts paid and deposits, which was reimbursed, and sends a copy to the Bank.
     6. When non-payment due to the fault of the Agency an agreed amount of compensation on deposits in terms defined in this article, the Agency shall pay the investor interest on the amount unpaid calculated at the rate of refinancing, ustanovlennojBankom of Russia on the date of actual payment of Agency compensation on deposits.
     7. the slučaenesoglasiâ depositor with the size of deposit refund payable, the Agency offers the investor to submit additional documents to the Agency substantiating his claims, and sends them to the Bank for consideration.  Bank within 10 calendar days of receipt of these documents must consider and substantiated claims of the depositor to make appropriate changes in the registry peredvkladčikami the Bank's liabilities, as well as send a message to the Agency of the results of the consideration of the requirements of investor and of changes in reestrobâzatel′stv of the Bank towards its depositors (as amended by the Federal law of December 22, 2008  N 270-FZ collection zakonodatel′stvaRossijskoj Federation, 2008, no. 52, art. 6225). 8. After agreeing on the sbankom and contributor to the amount of liabilities based on further submissions Agency pays the investor the amount of compensation on deposits in accordance with the established procedure.
     9. In slučaevosstanovleniâ in the order stipulated by parts 2 and 3 of article 10 hereof, the term dlâobraŝeniâ with a demand for reimbursement of deposit the depositor has the right to obtain compensation on deposits in the amount corresponding to the amount of liabilities before him, specified in the registry obligations of the Bank towards its depositors.
     10. Do not srazmerom compensation payable on deposits of a depositor in accordance with zakonodatel′stvomRossijskoj of the Federation shall have the right to go to court with a suit on the establishment of sostavai size requirements, as well as compensation payable on deposits.
     11. reimbursement of deposits can be made on the application of the depositor as cash, so undertaking the transfer of funds to a bank account specified by the depositor.
     11-1. Indemnity for accounts (deposits) of individual entrepreneurs, open for business, the Agency is made by transferring money to a specified contributor account vbanke that is open for business. If at the time of payment of insurance compensation an individual entrepreneur is recognized by the Court of arbitration of the insolvent (bankrupt), such payment shall be made by the Agency by transferring money to be used in the course of bankruptcy proceedings by the debtor in the manner established by the Agency.
The assignment of the right of claim of an individual entrepreneur kAgentstvu

not allowed (part 11-1 introduced by the Federal law of December 28, 2013  (N) 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art. 6975). 12. Reception from investors claims about compensation for deposits and other necessary documents, including those under parts 4 and 5 of article 10 of the present Federal zakonai part 7 of this article, as well as reimbursement of deposits can be done čerezbanki Agency agents acting on its behalf and at its expense.  How agent banks with the Agency, including compensation of agent banks, is set by the Board of Directors of the Agency.  The order of competitive selection of banks-agentovustanavlivaetsâ by the Board of Directors of the Agency by agreement with the Federal competition authority.
     13. reimbursement of deposits shall be made in the currency of the Russian Federation.
 
     Article 12-1. peculiarities of insurance funds placed in escrow account open to rasčetovpo the transaction of purchase and sale of immovable property 1. Cash placed on escrow account opened by an individual (depositor) for calculations on the transaction of purchase and sale of immovable property be insured in accordance with this federal law during the period from the date of registration of the documents submitted for State registration of rights, until three working days from the date of State registraciiprav in the unified State Register of rights to nedvižimoeimuŝestvo, or until three working days from the date of adoption of the decision obotkaze in State registration of the rights , or until three working days from the date of termination of State registration of the right.
     2. In case of insured accident during part 1 of this article, the period of insurance funds placed in escrow account, the right to receive insurance compensation under paragraph 3 of this article shall be a physical person or the depositor when an èskrouosnovanij account of the Treaty for the transfer of funds to the beneficiary is a natural person who is a beneficiary under the contract of escrow accounts.  These individuals are entitled to all the rights of the depositor under this chapter.
     3. Refund of escrow account, open podogovoru for settlement of transactions of sale of immovable property, shall be paid at the rate of 100 per cent of the amount held in the account at the time of the occurrence, but no more than 10 million. rubles.
     4. reimbursement is calculated and paid separately from the compensation for other deposits in the light of the provisions of part 3 of article 11 hereof.
     5. the Agency in respect of entries in the register obligations of the Bank towards its depositors on escrow accounts requests a federal body of executive power, authorized in the field of the State registration of rights to real estate and sdeloks them, State cadastral registration of immovable property for the maintenance of the State real estate cadastre (hereinafter-the agency conducting State registration of rights), information confirming the fact of State registraciiprav to real estate and transactions with it as of the day of the occurrence. The procedure for submitting a request and the submission of this information is set by the body implementing the State registration of the rights, in consultation with the Agency.
     6. If the depositor has several escrow accounts under this article, in one bank, the total size of the commitments which these deposits before the investor more than ten million. rubles, compensation is paid for each of these deposits in proportion to their size.
     7. If the Bank, for which the insured event, acted in relation to the individual as well as a creditor, the amount under the contract of escrow account under part 2 of this article shall be determined on the basis of the difference between the sum of the obligations of the Bank towards the person and the amount of the Bank's counterclaims arising before the date of the occurrence of the insured event, except the Bank of counterclaims to the specified person under credit agreements , secured by a mortgage of residential premises, sale or purchase of which you are using this account escrow.
     (Article 12-1 of the Act of December 22, 2014 vvedenaFederal′nym N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543) article 13. Perehodprava the requirements of the investor after payment of deposits 1 vozmeŝeniâpo. The Agency, the insurer pays compensation for deposits, moves within the right of claim paid that the depositor had to jar, in respect of which the insured event.
     2. In the course of bankruptcy (liquidation) of the Bank in respect of which the insured event, promoted by the Agency as a result of the payment of compensation on deposits are in the first phase of the creditors (as restated by federal law 22dekabrâ, 2008.  N 270-FZ collection zakonodatel′stvaRossijskoj Federation, 2008, no. 52, art. 6225). 3. In cases of bankruptcy (liquidation) and bankruptcy (liquidation) the banks claim to the Bank admitted to the Agency as a result of the payment of compensation on deposits, represents the federal body of executive power, authorized by the Government of the Russian Federation (hereinafter referred to as the authorized body) (in red.  Federal law dated December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225). 4. After paying the Agency reimbursement of deposits designated authority shall take measures to recover from the Bank the amounts owed to the Agency, to which it was entitled, in accordance with parts 1 and 2 of this article, in accordance with the legislation of the Russian Federation.   The amount of the debt available subject to mandatory deposit insurance fund začisleniûv.
     5. Upon the expiration of the moratorium on satisfaction of creditors ' claims of the Bank, the Bank of Russia, the Agency has the right to provide the Bank, depositors were implemented on reimbursement of deposits, deferral or installment repayments.
     6. postponement of the pogašeniâzadolžennosti may be provided for up to six months with a lump-sum payment of arrears.
     7. Hire Purchase arrears can byt′predostavlena for up to a year with the phased payment of the arrears.
     8. The amount of the debt and interest is charged on the basis of the rates equal to one of the Bank of Russia refinance vtorojstavki in the period of deferral or installment repayments.
 
   Chapter 3. Status, purpose activity Deposit Insurance Agency powers Article 14. Postrahovaniû agency contributions 1. In order to implement functions for obâzatel′nomustrahovaniû contributions created the deposit insurance agency.
     2. the Agency is a public corporation created by the Russian Federation, status, purpose, activities, functions and powers of which shall be determined by this federal law, the Federal law of January 12, 1996 year N 7-FZ "on non-commercial organizations", federal law "on banks and banking activities", federal law "on Insolvency (bankruptcy)", federal law "on guarantees of the rights of insured persons in the statutory pension insurance in the Russian Federation in the formation and investment funds of pension accruals , and payments are made at the expense of pension savings "and other federal laws (in red.  Federal law of26 December 2013 N 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art. 6975;
Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543). 3. The Agency has a seal with the State emblem of the Russian Federation and its name.
     4. the Agency has an account with the Bank of Russia, as well as the right to open bank accounts in credit institutions on the territory of the Russian Federation in the order ustanovlennomzakonodatel′stvom of the Russian Federation (as restated by federal law May 7, 2013 N 81-FZ-collection of laws of the Russian Federation, 2013, N19, art. 2308).
     5. The seat of the central bodies of the Agency is the city of Moscow.
 
     Article 15. Cel′deâtel′nosti and powers of the Agency 1. The aim of deâtel′nostiAgentstva in accordance with this federal law is to ensure the functioning of the system of deposit insurance.
     2. In the exercise of the functions of the statutory deposit insurance agency: 1) organizes učetbankov (maintains a roster of banks);
     2) collects premiums and overseeing their entrance into mandatory deposit insurance fund;
     3) carries out activities on učetutrebovanij depositors to the Bank and the payment of compensation on deposits;
     4) has pravoobraŝat′sâ to the Bank of Russia with the proposal to apply to banks for violating nastoâŝegoFederal′nogo law measures of responsibility provided for by article 74Federal′nogo of the law of July 10, 2002 N 86-FZ "on the Central bankeRossijskoj Federation (Bank of Russia)" (hereinafter referred to as federal law OCentral′nom Bank of the Russian Federation (Bank of Russia) ") inormativnymi acts of the Bank of Russia;
     5 vremennosvobodnye) invests the fund compulsory

deposit insurance on deposits of the Bank of Russia and (or) other assets (investment objects) in accordance with article 7 of the Act of January 12, 1996 1Federal′nogo-N 7-FZ "on noncommercial organizations" commit transaction with the Bank of Russia repo (as amended by the Federal law of December 29, 2010  (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, art. 49;
Federal law dated May 7, 2013  N 81-FZ-collection of laws of the Russian Federation, 2013, no. 19, art. 2308);
     6) has pravotrebovat′ from banks posting information about deposit insurance system and on the Bank's participation in available for depositors the Bank's premises, where the maintenance of depositors;
     7) defines a porâdokrasčeta insurance premiums in accordance with article 36 of this federal law;
     8) exercise other powers assigned to nadostiženie to the Agency in accordance with this federal law and other federal laws purposes (as amended by the Federal law of December 28, 2013  (N) 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art. 6975). 3. Implementation of Agency functions under the compulsory insurance contributions under this Federal′nogozakona does not require a license to exercise strahovojdeâtel′nosti.
     4. the Agency, in accordance with the Federal law "Obankah and banking activities" and federal law Onesostoâtel′nosti (bankruptcy) "administers the bankruptcy trustee (liquidator) in bankruptcy of credit organizations (part 4 introduced the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art.
6225;  in red.  Federal law dated December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art.
7543). 5. The Agency has the right to carry out operations on the disposition of assets (collateral), the enforcement of the obligations of credit institutions-counterparties of the Bank of Russia on credits (part 5 introduced the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225).
     6. For obespečeniâfinansovoj sustainability of the system of deposit insurance Agency based on the acts of the Government of the Russian Federation shall have the right to acquire shares (shares) of banks-participants of the deposit insurance system. When paying for stocks (shares) of banks in accordance with this part shall not apply rules of opredel′nom amount of property (non-cash) contribution to the share capital of the credit institution (article 11 of the Federal law "on banks and banking activities"), on compulsory assessment made in authorized capital, including an independent appraiser (article 15 of the Federal law dated February 8, 1998, N 14-ФЗ "About societies with limited liability" Article 34 Federal′nogozakona from December 26, 1995, N 208-FZ "on joint stock companies"). Order of payment of stocks (shares) of banks in accordance with this part shall not apply to acquisitions of shares (shares) the Agency, in accordance with the Federal law of October 26, 2002 Goda N127-FZ "on Insolvency (bankruptcy)" (part 6 introduces the Federal law of December 29, 2014  N 461-FZ collection zakonodatel′stvaRossijskoj Federation, 2015, N 1, art. 14.) Article 16. ImuŝestvoAgentstva 1. Property Agency is formed by property contributions in accordance with article 50 of this federal law, insurance premiums, guarantee fees stipulated by the Federal law "on guarantees of the rights of insured persons in the system of insurance obâzatel′nogopensionnogo of the Russian Federation in the formation and investment funds of pension accruals, and payments are made at the expense of pension savings", and takžeza by the proceeds from the placement Agency funds, funds from the issuance of equity securities and other legitimate income (in red.  Federal law dated December 28, 2013  (N) 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art. 6975). 2. The Agency is not responsible for the obligations of the Russian Federation.  The Russian Federation is not responsible for the obligations of the Agency, unless otherwise stipulated in the Federal law.
     3. Agency ispol′zuetsvoe property to carry out the functions provided for in this federal law, the Federal law "on banks and banking activities", federal law "on guarantees of the rights of insured persons in the statutory pension insurance in the Russian Federation in the formation and investment funds of pension accruals, and payments are made at the expense of the funds of pension accruals," the Federal law of October 26, 2002 N 127-FZ "on Insolvency (bankruptcy)" and other federal′nymizakonami (in red.  Federal law of26 December 2013 N 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art.  6975;
Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543). Article 17. Organyupravleniâ Agency Organamiupravleniâ agencies are the Agency's Board of Directors, the Management Board of the Agency and the Director General of the Agency.
 
     Article 18. Sovetdirektorov of the Agency 1. The Supreme management body of the Agency is the Agency's Board of Directors. The Agency's Board of Directors is composed of 13 members, seven representatives of the Government of the Russian Federation, five representatives of the BankaRossii and the Director of the Agency.
The Director General of the Agency is a member of the Board of Directors of the Agency.
     2. the Chairman shall be elected by the Board of Directors of the Agency sovetadirektorov Agency on the proposal of the Government of the Russian Federation.
     3. meetings of the Board of Directors of the Agency shall be convened by its Chairman or not less than one third of the members of the Board of Directors of the Agency as required, but not less than once a quarter.
     4. the Board shall have the authority to make decisions, direktorovAgentstva if the meeting is present not less than half of its members.
Decision of the Board of Directors of the Agency shall be adopted by a simple majority of votes otčisla.  When ravenstvečisla votes of the judge presiding over the meeting of the Board of Directors of the Agency shall be decisive.
     5. meeting of the Board of Directors of the Agency shall be carried out by the Chairman of the Board of Directors of the Agency, and in egootsutstvie a person authorized by the Chairman of the Board of Directors of the Agency.
     6. Protocol of meeting of Board of Directors of the Agency shall be signed by the Chairperson of the meeting of the Board of Directors of the Agency.  View členovsoveta Agency directors, remaining in the minority vote, is recorded on demand vprotokol.
 
     Article 19. Polnomočiâsoveta Board of Directors the Board of Directors of the Agency, the Agency (in red.  Federal law dated December 22, 2008 N 270-FZ-Sobraniezakonodatel′stva Russian Federation, 2008, no. 52, art. 6225): 1) utverždaetpredloženiâ of the Board of the Agency on the projected amount of spending from the federal budget to cover the deficit of the Fund of obligatory deposit insurance in the next year, and shall forward them to the vPravitel′stvo of the Russian Federation for inclusion in the draft federal law on the federal budget for the next year;
     2) ustanavlivaetveličinu Basic, additional and increased additional premiums (in the redaction of Federal′nogozakona from December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543);
     3) (item 3 utratilsilu on the basis of the Federal law of December 29, 2010  (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, art. 49) 4) makes a decision about a deficit fondaobâzatel′nogo of deposit insurance and sends suggestions about how it will cover when the insured event to the Government of the Russian Federation and (or) Bank of Russia no later than five days from the notification of the Board of the Agency of the dnâpolučeniâ (as amended by the Federal law of December 2, 2013.  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336);
     5) makes a decision about transferring to the federal budget in accordance with the budgetary legislation of the Russian Federation received in accordance with this federal zakonomsredstv federal budget after the restoration of the financial sustainability of the mandatory deposit insurance fund;
     6) alleges porâdokrasčeta insurance contributions;
     7 godovojotčet) claims the Agency;
     8) approves grant banks a deferral or installment repayment of debts in cases stipulated by this federal law;
     9) alleges smeturashodov Agency and how to use the Agency's profits (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225);
     9-1) specifies the size of the costs related to trust management funds retirement savings, as well as the implementation of property sostavlâûŝegosredstva of pension savings, liquidation of non-governmental pension fund operating in mandatory pension insurance, in accordance with paragraph 11 of article 33-2 of the Federal law "on non-governmental pension funds" (para 9-1 was introduced by the Federal law of June 29, 2015  N 167-FZ-collection of laws of the Russian Federation, 2015, N 27, art. 3958);
     10) utverždaetorganizacionnuû the structure of the Agency;

     11) makes a decision about creation of branches and opening of representative offices of the Agency;
     12) appoint and dismiss the Director General of the Agency;
     13) appoints and dismisses the members of the Management Board of the Agency;
     14) appoints the auditor of the Agency;
     15) zaslušivaetotčety Director of the Agency on the Agency's activities;
     16) utverždaetreglament of the Board of the Agency;
     17) manages the Agency's internal audit service;
     17-1) establishes the procedure for carrying out competitive selection of audit entities for verification of the use of mandatory deposit insurance fund Agency (para 17-1 was introduced by the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art.
6225);
     18) shall decide on issuing bonds Agency iinyh securities;
     19) exercise any other powers, predusmotrennyenastoâŝim federal law and other federal laws (as amended by the Federal law of April 2, 2014  N 41-FZ-collection of laws of the Russian Federation, 2014, N 14, art. 1533). Article 20. PravlenieAgentstva 1. The number of members of the Board of the Agency shall be determined by the Board of Directors of the Agency. Agentstvavhodit Director-General of the Board of the Agency for post and directs the work of the Board of the Agency.
     2. the members of the Board of the Agency, with the exception of the Director General of the Agency, shall be appointed to Office for a term of five years by the Board of Directors of the Agency on the proposal of the Director General of the Agency.
     3. the members of the Board of the Agency are working with the Agency on an ongoing basis.
     4. the members of the Board of the Agency may be dismissed: 1) by istečeniiukazannogo in this article, the term of Office of the Director-General of the Agency;
     2) up to istečeniâukazannogo in this article, the term of Office of the Board of Directors of the Agency on the nomination of the Director General of the Agency.
     5. the Management Board of the Agency shall act on the Agency's Board of Directors osnovaniiutverždaemogo the rules of the Board of the Agency, which establishes the terms and the procedure of Convocation and conduct of its meetings, as well as its decision-making procedure.
     6. The Agency's Protocol is being zasedaniipravleniâ. Minutes of the meeting of the Board of the Agency appeared to be members of the Board of Directors of the Agency, internal and external auditors upon request.
     7. Conduct of meetings of the Board of the Agency arranges the Director General of the agency or a person authorised by them.
The Agency's Board meeting protocols signed chaired the session of the Board and one of the Agency's Board members present at the meeting.
 
     Article 21. Board Agency (Agency Polnomočiâpravleniâ harm.  Federal law dated December 22, 2008  N 270-FZ collection zakonodatel′stvaRossijskoj Federation, 2008, no. 52, art. 6225): 1) makes a decision about the payment of compensation to depositors for deposits;
     2) Decides to include in the register of Bank bankovi Bank exception from the registry of banks in the manner prescribed by this federal law;
     3) goes to BankRossii proposing applied to Bank liability measures in accordance with article 74Federal′nogo of the law on the Central Bank of the Russian Federation (Bank of Russia) ";
     4) introduced the adoption agency's Board of Directors proposal for the development of the deposit insurance scheme (as amended by the Federal law of December 29, 2010 (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, p. 49);
     5) contributes to the Agency's Board of Directors proposal on the size of the mandatory deposit insurance fund sufficient to implement projected in the coming year, payout rates, projected the amount of spending from the federal budget to cover the deficit of the mandatory deposit insurance fund in the coming year;
     6) direct to the Board of Directors of the Agency deficit notification mandatory deposit insurance fund on the basis of data registries obligations of banks to depositors, which stipulated in paragraph 4 of part 3 of article 6 of this federal law, not later than three days after receiving the izbanka registry obligations of the Bank towards its depositors in accordance with part 1 of article 30 of this federal law;
     7) rassmatrivaetgodovoj agency report and submits it for approval by the Board of Directors of the Agency;
     8) is in sovetdirektorov proposals on the use of Agency profit agency;
     9) argues the Agency štatnoeraspisanie defines the terms and conditions of employment, dismissals, duties and rights, the system of disciplinary measures, the size and form of remuneration of employees of the Agency;
     10) exercise any other powers, predusmotrennyenastoâŝim federal law, the Federal law "on banks and banking activities", federal law "on Insolvency (bankruptcy)" and the Federal law "on guarantees of the rights of insured persons in the statutory pension insurance in the Russian Federation in the formation and investment funds of pension accruals, and payments are made at the expense of pension savings" if they are not vkompetencii of the Board of Directors of the Agency (in red.  Federal law dated December 28, 2013 N 410-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 52, art. 6975; Federal law dated December 22, 2014  N 432-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 52, art. 7543). Article 22. The Director General of the Agency 1. The Director General of the Agency shall be appointed by the Board of Directors of the Agency for the presentation of the headcouncil Board of Directors of the Agency for five years.  The nomination of the Director General of the Agency the Agency's Board of Directors appears to be one month prior to the expiration of (the end of) the term of Office of the Director General of the Agency.
     2. the direktorAgentstva can be removed from Office by the Board of Directors of the Agency upon recommendation of the Chairman of the Board of Directors of the Agency in the following cases: 1) the expiration of the srokasvoih powers;
     2) filing personal resignation submitted to the President of the Board of Directors of the Agency;
     3) committing a criminal offence prescribed by the Court, which entered into legal force;
     4) violations of federal laws that regulate the relations associated with the activities of the Agency.
 
     Article 23. Polnomočiâgeneral′nogo Agency Director General direktorAgentstva: 1) acts on behalf of the Agency and represent its interests without power of Attorney in relations with State authorities, organizations of foreign States and international organizations, other agencies and organizations;
     2) vozglavlâetpravlenie Agency and organizes the implementation of the decisions of the Board of the Agency;
     3) issue orders and directives on the activities of the Agency;
     4) raspredelâetobâzannosti between his/her deputies;
     5) appoint to and release from dolžnostislužaŝih of the Agency;
     6) shall decide on other matters placed in the competence of the Agency, except the issues attributed to the competence of the Board of Directors of the Agency and the Board of the Agency.
 
     Article 24. Otčetnost′Agentstva 1. The reporting period, the Agency installed with 1 ânvarâpo 31 December inclusive.
     2. the annual otčetAgentstva is compiled annually no later than 15 February of the year following the reporting month, and approved by the Board of Directors of the Agency until March 15.
     3. The Agency's annual report is sent to the Government of the Russian Federation and the Bank of Russia.
     4. Summary annual report of the Agency and its balance sheet shall be published in the "Bulletin of the Bank of Russia" and "rossiyskaya Gazeta".
     5. the annual otčetAgentstva includes: 1) deâtel′nostiAgentstva report for the last reporting period, analysing the State of the deposit insurance system and the use of funds of obligatory deposit insurance fund;
     2) godovojbuhgalterskij balance;
     3) cash flow statements mandatory deposit insurance fund;
     4) report on profits and losses, partially derived from the investment of temporarily free funds of the Agency (as amended by the Federal law of December 29, 2010 (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, p. 49);
     5) register of banks;
     6 other information) in accordance with article 7-1 January 12, 1996 federal law N 7-FZ "on non-commercial organizations" (para. 6 was introduced by the Federal law of December 29, 2010  (N) 437-FZ collection zakonodatel′stvaRossijskoj Federation, 2011, N 1, art. 49). 6. The accuracy of the Agency's annual balance sheet, statement of cash flows is mandatory deposit insurance fund, the profit (or loss), derived from razmeŝeniâi (or) investing temporarily free money sredstvAgentstva, confirmed by an independent audit organization.
     7. information on the Agency's activities is placed on the Agency's official Web site on the Internet in accordance with article 7-1 January 12, 1996 federal law N 7-FZ "on non-commercial organizations" (part of the Federal law of December 29, 2010 7vvedena  (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, art. 49). Article 25. AuditAgentstva
 

     1. the Board of Directors of the Agency annually opredelâetauditorskuû firm to audit the Agency.
     2. the internal audit service internal audit Agency, accountable to the Board of Directors of the Agency.
The procedure for the formation and activities of the internal audit service shall be determined by the Board of Directors of the Agency.
     3. the Board of Directors of the Agency shall be entitled to take decisions on holding extraordinary audit and audit checks of Agencies.
 
     Article 26. reorganization and liquidation of the Agency the Agency may be reorganized or liquidated on the basis of the Federal law that defines the order of reorganization or liquidation of property agency.
 
    Chapter 4. Organizacionnyeosnovy deposit insurance system, Article 27. Osnovyvzaimodejstviâ Agencies, public authorities and the Bank of Russia 1. The federal bodies of State power, bodies of State power of the constituent entities of the Russian Federation, bodies of local self-government and the Bank of Russia have no pravavmešivat′sâ in the Agency's activities to implement the legislated zakreplennyhza functions and powers.
     2. the Agency and the Bank of Russia coordinate svoûdeâtel′nost′ and inform each other on the implementation of the deposit insurance activities.
     3. in order to ensure the functioning of the information system of deposit insurance, Bank of Russia directs the agency reports of banks and other necessary information.
     4. the Bank of Russia no later than the day following the date of adoption of the relevant decision informed the Agency (as amended by the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336): 1) on issuing bankurazrešeniâ Bank of Russia;
     2) of the decision on the verification of the Bank on the proposal of the Agency;
     3) concerning the appointment of the Interim Administration on the management of the credit institution;
     4) revocation (cancellation) license of the Bank of Russia;
     5) moratorium on satisfaction of the claims of creditors of the Bank;
     6) to replace the licenziiBanka of Russia;
     7) ban to attract cash assets of private individuals into deposits and opening bank accounts fizičeskihlic, under article 48 of this federal law.
Information on the application of Bank of Russia to ban Bank to attract cash assets of private individuals into deposits and opening bank accounts imposed by the Bank of Russia, in accordance with article 48 of this federal law, hosted by the Bank of Russia on its official website in the information and telecommunication network "Internet" puts an appropriate regulations and agency on the egooficial′nom website in the information and telecommunication network "Internet" not later than the day following the day of receipt of the relevant information from the Bank of Russia, and removed from their official websites in the field of information and telecommunications network "Internet" in the order, established by the Bank of Russia and the Agency accordingly (as amended by the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336). (part 4 as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225) 4-1. Bank of Russia nepozdnee three working days from the date of adoption of the decision or from the date of receipt of the relevant information from the BankomRossii the territorial establishment of the Bank of Russia or an authorized body shall inform the Agency (as amended by the Federal law of December 2, 2013 N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, art. 6336): 1) recognizing lapsed license of the Bank of Russia to attract Bank cash assets of private individuals into deposits INA opening and maintaining bank accounts for natural persons;
     2) on the application by the Bank of Russia to the Bank measures in the form of prohibition (restrictions) on raising funds from individuals and the opening of bank accounts for natural persons in accordance sostat′ej 74 of the Federal law "on the Central Bank of the Russian Federation (Bank of Russia)";
     3) on reorganizaciibanka.
     (Part 4-1 vvedenaFederal′nym Act of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, N, art.)
     5. the Agency not later than the working day following the day of adoption of the relevant decision, inform the Bank of Russia: 1) on the introduction of the Bank in the register of banks and on the exclusion of the Bank from the specified registry;
     2) about changing the stavkistrahovyh contributions.
     6. the Agency vpraveobraŝat′sâ to the Bank of Russia with suggestions: 1) on the Bank of provedeniiproverki Bank of Russia.  Porâdokučastiâ employees of the Agency in such inspections, their rights and obligations are established by the normative acts of the Bank of Russia in agreement with the Agency;
     2) on the application by the Bank of Russia to the Bank measures of responsibility provided for by federal laws, with the application documents substantiating the need to apply these measures.
     7. The decision on the verification of the Bank by the Bank of Russia and the Bank of Russia to the bankumer responsibility of the Bank of Russia reported to the agency within 15 days of receipt of the proposal.
     8. In order to establish additional or increased additional premiums to the Bank, the Bank of Russia no later than 45 days after the end of the quarter sends to the Agency in the manner prescribed by regulations of the Bank of Russia, the bank information payment criteria or elevated odds bet provided parts 7-4 and 7-5 of article 36 of this federal law (part 8 introduced the Federal law of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation , 2014, N 52, art. 7543). Article 28. Postanovkabanka registration and deregistration in sistemestrahovaniâ deposits. Register of banks 1. Staging system accounting bankana deposit insurance agency by depositing it in the register of banks on the basis of the notification of the Bank of Russia for the extradition of Bank authorization of the Bank of Russia.
     2. the Agency vnositbank in the register of banks in the date of receipt of the notification of the Bank of Russia, specified in part 1 of this article.
     3. snimaetsâAgentstvom Bank with deposit insurance system accounting by his exclusion from the register banks in sleduûŝihslučaâh: 1) revocation (cancellation) license of the Bank of Russia and the completion of the proceduryvyplaty Agency reimbursement rates established by this federal law;
     2) the termination of the right of naprivlečenie cash assets of private individuals into deposits and on the opening and management of Bank sčetovfizičeskih individuals in connection with the replacement or recognized in the manner prescribed by regulations of the Bank of Russia, lapsed license of the Bank of Russia to attract Bank cash assets of private individuals into deposits and to open and maintain bank accounts of physical persons and the execution of the Bank's obligations to depositors.
Simultaneously with the prinâtiemtakogo decision, the Bank shall notify all depositors of its withdrawal from the deposit insurance system (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225);
     3) prekraŝeniâdeâtel′nosti Bank in connection with its reorganization (with the exception of reorganization in the form of transformation) (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225).
     4. information ovnesenii Bank in the register of banks and on the exclusion of the Bank from the specified registry shall be published by the Agency in the "Bulletin of the Bank of Russia" and "Rossijskojgazete".  Conduct of the registry Agency is established banks.
     5. the Agency shall send to the Bank on its vklûčeniiv register of banks, and the exclusion of Bank from the specified registry key, on the order of calculation and payment of insurance contributions, no later than the day following the day of the adoption Agency sootvetstvuûŝegorešeniâ, and also regularly provides the Bank with other necessary information about the deposit insurance system.
     6. bank fee for entering the registration and deregistration of the deposit insurance system is not charged.
 
     Article 29. PolučenieAgentstvom reporting banks and other information 1. The composition of the reporting banks and other information sent to the Bank of Russia to the Agency, as well as the time determined by the Bank of Russia in agreement with the Agency.
     2. On učastiâbankov the system of deposit insurance, the Agency has the right to directly motivated the request in writing to obtain from banks explanations regarding the information on the payment of insurance premiums on banks accounting and formation of registry obligations of the Bank towards its depositors, the obligations of the depositor in the Bank, the Bank performed other duties stipulated by this federal law.   These explanations are forwarded to the banks in Agency for 15 days from the date of receipt of the request, if the Agency is not defined a deadline for their submission.
 
     Article 30. Order vzaimodejstviâAgentstva and otnošeniikotorogo Bank insured event 1. Bank in respect of which the insured event, within seven days from the date of occurrence of the insured event is in the Agency register obligations of the Bank towards its depositors, confirming funds vovklady to be insured in accordance with this federal law.
     2. After the dnâpredstavleniâ registry obligations of the Bank towards

contributors to the Agency and to the date of the determination by the arbitral tribunal on the completion of the bankruptcy proceedings or ozaveršenii liquidation of the credit institution and with the introduction of the Bank of Russia moratorium on satisfaction of creditors ' claims of the Bank before the date of expiration specified bank moratorium must make registry changes to the obligations of the Bank towards its depositors in the following cases: 1) when ustanovleniinesootvetstviâ information included information about the actual state of mutual obâzatel′stvbanka and contributor at the date of occurrence of the insured event to be included in the registry obligations of the Bank towards its depositors;
     2) upon termination of the (totally or partially) after the occurrence of the obligations contained in the reestreobâzatel′stv of the Bank towards its depositors;
     3) when izmeneniisvedenij on the investor, podležaŝihotraženiû in the registry obligations of the Bank towards its depositors.
     (Part 2 as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225) 2-1. Changes made by the Bank in the register obligations of the Bank towards its depositors are forwarded to the Agency a day make the changes in the order established by the Agency and are taken into account when determining the amount of compensation povkladam (part 2-1 introduced by the Federal law of December 22, 2008  N 270-FZ-Sobraniezakonodatel′stva Russian Federation, 2008, no. 52, art. 6225). 3. The Agency is entitled to request and obtain in the Bank in respect of which the insured event, additional information, including copies of documents, if provided by the Bank in accordance with parts 1 and 2 of this article, the information is not sufficient for the implementation of compensation on deposits. Bank in respect of which the insured event must submit a trebuemuûinformaciû Agency within three working days from the request of the Agency dnâpolučeniâ.
     3-1. the agency roster for obligations of the Bank towards its depositors on escrow accounts may request the registration of rights, information confirming the State registration of rights to real estate and transactions with it, on the date of the occurrence of the insured event.   The procedure for submitting a request and the submission of this information is set by the federal authority in the field of the State registration in agreement with the Agency (part 3-1 introduced by the Federal law of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543).
     4. inform the Bank Agentstvoeženedel′no, otnošeniikotorogo insured event, information on the Bank's depositors, compensated for deposits, amounts paid out by the Agency, as well as on contributions, which was reimbursed on deposits.
 
     Article 31. Service, commercial and banking secrecy 1. The Agency has the right to receive information, which is commercial and banking secrecy to the Bank in respect of which the insured event, necessary to carry out the functions stipulated by this federal law.
     2. the Agency is obliged to provide him with information on known became the operations of the Bank in respect of which the insured event, accounts, deposits on its financial condition, as well as other information, which is commercial and bank secrecy specified Bank, upon request of the Court, as well as the Bank of Russia.
     3. In the case of razglašeniâAgentstvom or its officials of information constituting commercial and banking secrecy, the Agency has an obligation, in accordance with the legislation of the Russian Federation to compensate the damages caused to a person whose rights have been violated.
 
     Article 32. SlužaŝihAgentstva participation in audits of banks, the Bank of Russia drew the Agency's employees to participate in inspections of banks on issues relating to the scope and structure of the liabilities of these banks to depositors, insurance contributions, as well as the execution of banks other duties prescribed by this federal law.
 
      Chapter 5. Finansovyeosnovy deposit insurance systems Article 33. Deposit insurance Fondobâzatel′nogo 1. Mandatory deposit insurance fund is a combination of money and other property that are generated and used in accordance with this federal law.
     2. mandatory deposit insurance Fund belongs to the Agency on pravesobstvennosti and is designed to finance compensation for deposits in the manner and under the conditions established by this federal law, as well as to finance other activities established by federal laws (as restated by federal law May 7, 2013 N 81-FZ-collection of laws of the Russian Federation, 2013, no. 19, page 2308).
     3. mandatory deposit insurance Fund is separated from the other assets of the Agency. Mandatory deposit insurance fund: is maintained separate records.
     4. the funds of the Fund of obligatory deposit insurance are recorded on specially opened the account in Bank Agency of Russia.  Bank of Russia does not pay interest on cash balances in the account.
     5. mandatory deposit insurance fund may not be levied on the obligations of the Russian Federation, constituent entities of the Russian Federation, municipalities, banks, other third parties and takžeAgentstva, except in cases where the obligation of the Agency arose from failure to perform his duties for reimbursement of deposits.  Recovery at the expense of the mandatory deposit insurance fund for the obligations of the Agency arising from failure by the agency responsibilities for compensation for deposits, is carried out only on the basis of a judicial act.
     6. deposit insurance fondaobâzatel′nogo Tools can be used by the Agency to perform under the loan from the Bank of Russia in the under-1 article 2 fortunate 41 hereof (part 6 introduces the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336). Article 34. Istočnikiformirovaniâ Fund of obligatory Deposit Insurance Fund obâzatel′nogostrahovaniâ deposits formed by: 1) strahovyhvznosov paid under past federal law;
     2 penalties) zanesvoevremennuû and (or) incomplete payment of insurance contributions;
     3 iinogo) of cash assets received from meet agency requirements, rights acquired as a result of the payment of compensation on deposits;
     4) federal budget in cases stipulated by this federal law;
     5) income otinvestirovaniâ temporarily free funds of the mandatory deposit insurance fund (as amended by the Federal law of December 29, 2010.  (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, art. 49);
     6) initial property contribution in accordance with article 50 of this federal law;
     7) other sources foreseen or not prohibited by the legislation of the Russian Federation (in red.  Federal law dated April 2, 2014  N 41-FZ-collection of laws of the Russian Federation, 2014, N 14, art. 1533). Article 35. Strahovyevznosy 1. Insurance vznosypodležat payment by the Bank from the date of making of the Bank in the register of banks and to the day of revocation (cancellation) license of the Bank of Russia or until the day of the Bank's registry of banks exceptions in accordance with paragraphs 2 and 3 of part 3 of article 28 of this federal law (as amended by the Federal law of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543).
     2. the first calculation period for the payment of insurance contributions is recognized as the period from the date of making of the Bank in the register of banks before the end of the calendar quarter in which the Bank was entered into the register of banks.
     3. Introduction of the Bank of Russia moratorium on satisfaction of creditors ' claims the Bank suspends the Bank's obligation to pay insurance premiums for the duration of the ukazannogomoratoriâ.
At the same time, the Bank is obliged to pay insurance premiums for rasčetnyjperiod, during which introduced the moratorium specified inclusive on the day prior to the introduction of the moratorium.
 
     Article 36. Porâdokisčisleniâ and payment of premiums 1. Periodomdlâ calculation of insurance contributions is the calendar quarter of the year.
     2. Calculation Base mentioned in insurance premiums (hereinafter referred to as the calculation basis) is defined as the mean chronological for the billing period daily balance of account balances for accounting contributions, except for cash deposits, which are insured in accordance with this federal law.
     3. On deposits in foreign currency, the daily balance balances are determined by the vvalûte of the Russian Federation on the official rate established by the Bank of Russia daily.
     4. Base rate premiums možetprevyšat′ 0.15 per cent of the estimates for the last billing period (as amended by the Federal law of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543).
     5. In cases stipulated by this federal law, the basic insurance premium rate may be increased to 0.3 per cent of the estimates, but not more than two payment periodav

for 18 months (as amended by the Federal law of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543).
     6. Basic stavkastrahovyh contributions may not exceed 0.05 per cent of the estimated base calculation period following the billing period in which the amount of money the Fund of compulsory insurance contributions, including money invested by the Agency in the manner prescribed by this federal law, exceed 5 per cent of the total amount of deposits in banks (as amended by the Federal law of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation , 2014, N 52, art.
7543). 7. The Basic, additional and increased additional premium rates are set by the Board of Directors of the Agency and applied to the notional database, established part of 2 of the present article. If the rates change, new premiums premiums are introduced not earlier than 45 days after the adoption of the corresponding decision (as amended by the Federal law of December 22, 2014  N 432-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 52, art. 7543.) 7-1. Basic stavkastrahovyh contributions set at a single rate for all banks and paid by all banks.
Additional rate of insurance contributions is established in a single for all banks not to exceed 50 per cent base rate.
Increased additional rate of insurance contributions is established in a single for all banks not to exceed 500procentov base rate (part 7-1 introduced by the Federal law of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543).
     7-2. For the purposes of establishing banks, pay an extra bet or increased premiums an additional bet, Bank of Russia defines the base rate of return deposits separately for deposits attracted in the currency of the Russian Federation and foreign currency, by calculating an average rate of disclosure to an unlimited circle of persons the maximum interest rates on deposits in banks, which drew together two thirds of the total deposits in banks of the Russian Federation in respect of deposits that match the criteria defined regulations of the Bank of Russia for the purpose of calculating the baseline yield deposits (part 7-2 vvedenaFederal′nym Act of December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543).
     7-3. base uroven′dohodnosti contributions separately on deposits in the currency of the Russian Federation and foreign currency every month shall be determined in the manner prescribed by regulations of the Bank of Russia, is revealed by the Bank of Russia to an unlimited circle of persons and brought to banks not later than within three working days before the beginning of each month (part 7-3 introduced the Federal law of December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543.) 7-4. Additional rate of insurance premiums paid by banks that have come during any month of the quarter at least one contracted or change the conditions of the deposit agreement on conditions of return input, which includes interest payments and other material benefits in excess of more than Nadwa, but no more than three percentage points of annual base rate of return of deposits, as defined by the Bank of Russia for the appropriate month for deposits in foreign currency or foreign currency of the Russian Federation (part 7-4 introduced by federal law December 22, 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543, part shall apply from July 1, 2015 onwards).
     7-5. Excessive additional rate of insurance premiums paid by banks in the case or in the following cases: they drew in tečenielûbogo at least one month of a quarter or have entered into a contract on banking deposit contract conditions change on the conditions of return of the contribution, which includes interest payments and other material benefits in excess of more than three percentage points of annual base rate of return of deposits, as defined by the Bank of Russia for the appropriate month for deposits in the currency of the Russian Federation or foreign currency;
     the financial position of banks in accordance with regulation criteria for the payment of Bank of Russia increased an additional bet.
     (Part 7-5 introduced the Federal law of 22dekabrâ 2014 N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art.  7543, the provisions of paragraphs of the first and vtorogoprimenâûtsâ with July 1, 2015 years položeniâabzaca third year applied since January 1, 2016) 7-6. Porâdokopredeleniâ the size of other material benefit in determining the profitability of the contribution is fixed by regulation of the Bank of Russia (part 7-6 introduced by the Federal law of December 22, 2014  N 432-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 52, art. 7543). 7-7. The Bank estimated the Bank of Russia financialsituation based on: 1) indicators from among the installed part 3 article 44 hereof;
     2) availability for Bank action in the form of restrictions on the exercise of individual operations, and (or) restrictions on the amount of the interest rate, which the Bank defines agreements of bank deposit, and (or) the prohibition to conduct certain banking transactions stipulated by the license for carrying out banking operations, and (or) a ban on the opening of branches.
     (Part 7-7 vvedenaFederal′nym Act of December 22, 2014 N 432-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 52, art. 7543) 7-8. Procedure for the recognition of the Bank's financial situation, the relevant criteria for the payment of the increased additional premiums, including the composition and the method of calculating the indicators used to assess the financial situation, set a regulatory act of the Bank of Russia (part 7-8 introduced the Federal law of December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543). 8. The decision to establish contribution rates published in the "Bulletin of the Bank of Russia" i"Rossijskoj" newspaper not later than within five days from the date of its adoption (as amended by the Federal law of December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543). 9. The procedure for calculating the estimated installed base of the Agency.  In the event of a change in the specified porâdkanovyj the procedure for calculating the estimated base to be applied from the next billing period.  With this new order isčisleniârasčetnoj base must be brought to the attention of the banks not later than 30 days before the beginning of a new billing period.
     10. the establishment of additional and increased the odds of premiums in respect of the Bank is carried out by the Agency on osnovaniisvedenij, Russiaв provided by the Bank pursuant to part 8 of article 27 of the present Federal law.
Information on the establishment and the amount of additional or increased additional premiums shall be notified by the Agency to the Bank not later than 20th of a second mesâcakvartala following the billing period (in red.  Federal law dated December 22, 2014 N 432-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 52, art. 7543). 11. Payment of premiums is made not later than the last working day of the second month of the quarter following the billing period by transferring funds to the Agency's account with the Bank of Russia, where the cash fund of compulsory insurance contributions (in the redaction of Federal′nogozakona from December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225; Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543). 12. The obligation to pay the insurance premiums is considered to be executed by the Bank from the date of debiting correspondent bank account with the Bank of Russia.
     13. In the case of nesoglasiâbanka with respect to its installed additional or increased an additional rate of premiums it within 15 days from the date of receipt by the Agency the information specified in part 10 of this article, možetobratit′sâ in the Bank of Russia seeking to deny it to the banks, by additional or increased an additional bet of premiums, in the manner prescribed by normative acts of the Bank of Russia.  On itogamrassmotreniâ the petition of the Bank the Bank of Russia within 15 days from the date of receipt of the specified motion directs the Agency changes to previously napravlennymsvedeniâm on line Bank criteria for payment of additional or enhanced dopolnitel′nojstavki or inform the Bank and the Agency to dismiss the petition of the Bank.  If the Agency changes to a previously designed information leads to a change in the amount of the premium payable, the Agency shall inform the relevant Bank and the Bank of Russia within five working days from the date of their receipt by the Bank of Russia.  The direction of the Bank to the Bank of Russia of a petition does not exempt Bank otobâzannosti payment of the insurance premium within the deadlines established by the part of the 11nastoâŝej article.  Amount overpaid insurance payments (penalties) for the billing period is credited to the debt repayment Bank on contributions (have elapsed) for other rasčetnyeperiody or payments, or refundable in the event of termination of the

pursuant to article 35 of this federal law obligations of the Bank pay insurance premiums (in red.  Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543; Federal law dated July 13, 2015  (N) 229-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 29, art. 4355). 14. Payment of premiums is effected in the currency of the Russian Federation.
     15. Payment of premiums avtomatičeskipriostanavlivaetsâ banks with the billing period following the billing period in which the amount of money the Fund of compulsory insurance contributions, including the denežnyesredstva, investirovannyeAgentstvom in order ustanovlennomnastoâŝim federal law, prevysit10 per cent of total deposits in the banks.
     16. Payment of premiums will automatically resume banks with the billing period following the billing period in which the amount of money the Fund of obligatory deposit insurance, including denežnyesredstva, investirovannyeAgentstvom, in the manner prescribed by this federal law, less than 10 per cent of the total amount of deposits in banks.
 
     Article 37. Obespečenieispolneniâ duty to uplatestrahovyh contributions 1. For late or incomplete payment of the premiums banks who specified violation, pay fines.
     2. Insured person recognizes installed this amount stat′ejdenežnaâ bankdolžen pay in excess of the premiums in the case of payment of the last later compared with deadlines established by this federal law.
     3. The Agency shall have the right to require banks to enumerate the unpaid premiums and accrued penalties and to inform the Bank of Russia about the fact of non-payment.
     4. Penalties are assessed for each calendar day of delay starting from the day following the prescribed day uplatystrahovyh contributions.
     5. Penalties for každyjkalendarnyj day of delay are set as a percentage of unpaid premiums in a timely manner.
Interest rate penalties per calendar day of delay corresponds to the refinancing rate of the Bank of Russia dejstvovavšejv the relevant period divided by 360 days.
     6. denežnyhsumm Recovery of unsettled obligation of banks to pay insurance premiums, as well as penalties are carried out by the Agency in court. These amounts shall be credited to the account of the Agency for accounting of funds mandatory deposit insurance fund.
 
     Article 38.  (Repealed based on Federal′nogozakona from December 29, 2010  (N) 437-FZ-collection of laws of the Russian Federation, 2011, N 1, art. 49) article 39. Napravleniârashodovaniâ cash fund of obligatory deposit insurance funds of obligatory deposit insurance fund are directed by the Agency to: 1) finansirovanievyplat compensation rates and costs associated with the implementation of the mandatory deposit insurance functions;
     2) establishment and financing of the autonomous non-profit organization "Investor Protection Fund", uncounted reimbursement of professional associations of insurers in cases stipulated by the Federal law "on the peculiarities of functioning of the financial system of the Republic of Crimea and Sevastopol cities with federal status for the transition period;
     3) other purposes in accordance with the federal laws.
     (Article 39 as amended.  Federal law dated April 2, 2014  N 41-FZ-collection of laws of the Russian Federation, 2014, N14, art. 1533) article 40. Funding of the Agency 1. Naprovedenie Agency costs of activities related to compulsory insurance contributions, as well as with the implementation of other functions stipulated by the Federal zakonom"O banks and banking activity", federal law "on guarantees of the rights of insured persons in the statutory pension insurance in the Russian Federation in the formation and investment funds of pension accruals, and payments are made at the expense of the funds of pension accruals," the Federal law on Insolvency (bankruptcy) ", other federal laws financed by property agency (in red.  Federal law of26 December 2013 N 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art. 6975;
Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543). 2. In case of insufficiency of the property financing activities, which are carried out by the Agency of federal laws, may as well as implementation of other functions stipulated by the Federal law "on banks and banking activities" and federal law Onesostoâtel′nosti (bankruptcy) of credit institutions ", funded under the proposal of the Board of Directors of the Agentstvaza the contingency fund of the Government of the Russian Federation (as amended by the Federal law dated 22 December N 270-FZ-collection of laws of the Russian Federation , 2008, no. 52, art. 6225; federal law dated December 28, 2013 N 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art.
6975). Article 41. Obespečeniefinansovoj strahovaniâvkladov system 1. The financial stability of the deposit insurance system is provided by the property agency, federal budget funds in the manner and under the conditions established by this federal law and the budgetary legislation of the Russian Federation, and takžekreditami provided by the Bank of Russia in compliance with part 2-1 of this article (as amended by the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336). 2. For obespečeniâfinansovoj sustainability of the system of deposit insurance by the Federal law on the federal budget for the relevant year establishes the right of the Government of the Russian Federation vydavat′bûdžetnye loans and to borrow, the maximum volume of these loans, as well as limit the relevant expenses of the federal budget (in red.  Federal law dated December 29, 2004 N 197-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 23.) 2-1. In order to ensure the financial sustainability of the system of deposit insurance, as well as to finance payment of compensations on deposits of the Agency's Board of Directors on the proposal of the Board of the Agency shall be entitled to apply to the Bank of Russia with a request to grant the Agency a loan without collateral for up to five years (part 2-1 vvedenaFederal′nym Act of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336). 3. In slučaepodtverždeniâ by the Board of Directors of the agency decision of the Board of the Agency on the impossibility of implementing the compensation for deposits in established by this Federal zakonomsroki without a mandatory deposit insurance fund at the expense of additional funds (with the exception of insurance vznosovi other projected revenue) the Board of Directors of the agency within a period of not more than seven calendar days after the occurrence of the insured event, takes one of the following decisions: 1) contact vPravitel′stvo the Russian Federation requesting the Agency to appropriate funds in the form of the budget loan eslirassčitannyj, the Board of the Agency mandatory deposit insurance fund deficit is no more than 1bn.
rubles.   The Government of the Russian Federation takes an appropriate decision within a period of not more than seven calendar days (in red.  Federal′nogozakona from December 29, 2004  N 197-FZ-collection of laws of the Russian Federation, 2005, N 1, art. 23);
     2) contact vPravitel′stvo the Russian Federation requesting agency with additional funds from the federal budget if calculated by the Board of the Agency of the Fund of obligatory deposit insurance deficit exceeds 1 billion.
rubles. If it is not possible to allocate the specified sredstvPravitel′stvo the Russian Federation within the framework of the plenary powers introduced in the State Duma of the Federal Assembly of the Russian Federation, a draft federal law on the introduction of appropriate changes in the Federal law on the federal budget for the relevant year in term of not more than seven calendar days after receiving the treatment of the Board of Directors of the Agency.
     4. In order to restore mandatory deposit insurance Fund Board of Directors of the Agency may establish an increased rate of insurance contributions in accordance with the nastoâŝimFederal′nym Act.
 
     Article 42. Zafunkcionirovaniem control of the deposit insurance system 1. Monitoring of the deposit insurance system is implemented by the Government of the Russian Federation and the Bank of Russia through the participation of their representatives in government agency.
     2. direktorovAgentstva Council annually on a competitive basis, determines the audit Organization for verification of the use of mandatory deposit insurance fund Agency.
     3. control over expenditure of federal funds aimed at the mandatory deposit insurance fund, is carried out in the manner prescribed for the use of federal funds.
 
     Chapter 6. Part bankovv of deposit insurance system.
              Zaklûčitel′nyepoloženiâ (name of head injury.  Federal law dated 22 December N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225)
 

     Article 43. Osobennostipostanovki registration in strahovaniâvkladov system banks authorized Bank Russiaon date of entry into force of this Federal′nogozakona 1. The Bank, with permission of the Bank of Russia on den′vstupleniâ effect of this federal law shall be put on record in the deposit insurance system by making his agency in the register of banks on the basis of the notification of the Bank of Russia for an impoložitel′nogo opinion on the compliance of the Bank with the requirements stipulated in article 44 hereof (hereinafter referred to as the requirements to participate in the deposit insurance system).
     2. the Agency vnositbank in the register of banks not later than the next working day from the date of receipt of the notification of the Bank of Russia, specified in part 1 of this article.
     3. Deposits at the Bank, which has a resolution of Bank of Russia on the date of entry into force of this federal law shall be insured in accordance with the procedure established by this Federal′nymzakonom, from the day of its registration in the deposit insurance system.
 
     Article 44. Kučastiû requirements in the system of deposit insurance, banks (name as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225) 1. The Bank, the applicant for authorization of the Bank of Russia, recognizes eligible to participate in the deposit insurance system in accordance with the following conditions simultaneously (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, p. 6225;  Federal zakonaot December 2, 2013 N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336): 1) if the accounting and reporting of the Bank are recognized as authoritative by the Bank of Russia;
     2) if the Bank vypolnâetobâzatel′nye standards set by the Bank of Russia;
     3) if finansovaâustojčivost′ Bank recognizes the Bank of Russia is sufficient;
     4) measures under article 74 of the Federal law "on the Central Bank of the Russian Federation (BankeRossii)", article 20 of the Federal Act "on banks and banking activities", article 189-9 of the Federal law on Insolvency (bankruptcy) "kbanku do not apply (as amended by the Federal law of December 22, 2008  N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225; Federal law dated December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, p. 6336; Federal law dated December 22, 2014  N 432-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 52, art. 7543);
     5) if the Bank complies with the Bank of Russia order disclosure of an unlimited circle of persons information on persons under control or značitel′nymvliâniem which is Bank (item 5 was introduced by the Federal law of December 2, 2013  N 335-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 49, St.
6336). 2. Accounting and reporting of the Bank the Bank of Russia are recognized as valid if at the same time: 1) accounting and otčetnost′banka conform to federal laws, rules and regulations established by the Bank of Russia, sobstvennojučetnoj policy of the Bank;
     2) possible flaws or errors in accounting or reporting State Bank does not influence significantly on an assessment of its financial sustainability.
     3. Finansovaâustojčivost′ Bank is estimated by the Bank of Russia on the following groups of indicators with the definition for each of them the result of a synthesis and attribution of the aggregate result of the evaluation of "satisfactory" or "unsatisfactory": 1) group pokazatelejsobstvennyh funds (capital), including indicators characterizing the sufficiency and quality of capital;
     2) band indicator of assets, including indicators on the quality of loans and other assets, completeness, formed under these reserves for possible losses and risks of concentration;
     3) return, including indicators on the profitability of assets and capital, income and expenditure structure, the profitability of certain types of transactions and the Bank as a whole;
     4) group liquidity indicators, including indicators for short-, medium-and long-term liquidity position of the Bank, as well as an indicator of risk for major creditors and investors;
     5) Group of Bank management quality indicators, including indicators of risk management system, the State of internal control, including in the area of combating the legalization (laundering) of proceeds received by criminal way and terrorism financing, as well as the quality of business planning;
     6) group pokazatelejprozračnosti ownership structure.
     (Part 3 in red.  Federal law dated December 2, 2013  N 335-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 49, St. 6336) 4. Financial sustainability of the Bank recognizes the Bank of Russia is sufficient when you have assigned the evaluation of "satisfactory" embodying the result for each of the groups of indicators provided by paragraph 3 of this article (in red.  Federal law dated December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336). 5. Method for assessing the financial stability of the Bank, including the methodology for assigning the aggregate result for each of the groups of indicators finansovojustojčivosti evaluation of "satisfactory" or "unsatisfactory", order the disclosure to the general public information on persons under control or significant influence which the Bank shall be established by the normative acts of the Bank of Russia (in red.  Federal′nogozakona from December 2, 2013 N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St.
6336). 6. For ocenkidostovernosti accounting and reporting of the Bank, as well as to establish the facts, which are associated with the definition of the Bank's compliance with the requirements to participate in the deposit insurance system and kotoryenevozmožno get through documentary analysis of statements of the Bank and (or) based on documented information provided by the Bank, the Bank of Russia carries out at the Bank, requesting permission of the Bank of Russia, a thematic inspection, except if these questions have been investigated during inspections conducted by the Bank completed not earlier than three months before predstavleniâhodatajstva the authorization of the Bank of Russia.  In these cases, the results of the tests are taken into account when considering an application for authorization of the Bank of Russia. Such thematic inspections nerasprostranâetsâ action of the fifth and sixth parts of article 73 of the Federal law "on the Central Bank of the Russian Federation (Bank of Russia)" (part 6 introduced by federal law 2dekabrâ, 2013.  N 335-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 49, St. 6336). Article 45.  (Repealed based on Federal′nogozakona from December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) article 46.  (Repealed based on Federal′nogozakona from December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) article 47.  (Repealed based on Federal′nogozakona from December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) article 48. Termination of the right of banks included in the register of banks, funds into deposits naprivlečenie fizičeskihlic and on the opening and management of Bank sčetovfizičeskih (name of harm.  Federal law dated December 2, 2013 N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 1. The right banks, vklûčennyhv banks, register to attract cash assets of private individuals into deposits and to open and maintain bank accounts of physical persons that shall be subject to termination of one of the following conditions: 1) accounting and reporting of the Bank repeatedly during the year, the Bank of Russia are recognized as unreliable;
     2) Bank during the consecutive šestimesâcev performs the same binding norm of number established by the Bank of Russia in the manner prescribed by the Federal law "on the Central Bank of the Russian Federation (Bank of Russia)", unless the failure to comply with the mandatory standard due to a change in a period of six months preceding the failure obâzatel′nogonormativa, methods of its calculation. Failure to comply with the mandatory standard in accounting month is his violation on set for six or more operating days during that month;
     3) Group of indicators of transparency of the ownership structure of the Bank is rated as unsatisfactory for three consecutive months;
     4) Group of the indicators of the quality of Bank management, including indicators of risk management system, the State of internal control, including in the area of combating the legalization (laundering) of proceeds received by criminal way and terrorism financing, as well as the quality of business planning, is rated as unsatisfactory for three mesâcevpodrâd;
     5) the Bank is not in compliance with the Bank of Russia order disclosure of an unlimited circle of persons information on persons under control or significant influence which is Bank within three months in a row.
     (Part 1 in red.  Federal law dated 2dekabrâ, 2013.  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 2. The Bank of Russia in accordance with the legislation of the Russian Federation oversees banks have the conditions specified in part

1 of this article. Information on the recognition of the Bank not in compliance with the Bank of Russia order disclosure of neograničennomukrugu persons information on podkontrolem or significant influence which the Bank, its accounting and reporting misleading, one or more obligatory standards implemented, as well as the attribution of unsatisfactory performance evaluation gruppepokazatelej transparency of ownership structure and (or) Group of indicators of the quality of Bank Management brought the Bank of Russia to the Bank in order ustanovlennomnormativnymi acts of the Bank of Russia (as amended by the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336.) 2-1. The presence of banks in the conditions specified in part 1 of this article, the ustanavlivaetsâBankom of Russia on the basis of the results of inspections or when carrying out documentary analizaotčetnosti Bank, as well as directly documented information provided by the Bank. If facts (circumstances) of the Bank's activities, which showed the conditions provided by paragraph 1 of this article have been removed to date of consideration by the Bank of Russia issue a ban to attract cash assets of private individuals into deposits and opening bank accounts for natural persons, the grounds for the termination of the right of banks to attract cash assets of private individuals into deposits and for opening and maintaining bank accounts for individuals are missing (part 2-1 introduced by the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336). 3. Bank of Russia privyâvlenii conditions provided by paragraph 1 of this article, in accordance with the decision of the Committee of banking supervision of the Bank of Russia is obliged to send a bank requirement included in the register of banks, the petition on prekraŝeniiprava to attract cash assets of private individuals into deposits and for opening and maintaining bank accounts for individuals and impose a ban on bringing in cash assets of private individuals into deposits anddiscovery Bank sčetovfizičeskih individuals (in red.  Federal′nogozakona from December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336.) 3-1. The ban on bringing in cash assets of private individuals into deposits and opening bank accounts for natural persons under part 3 of this article, shall be valid until the day of recognition, in the manner prescribed by regulations of the Bank of Russia, lapsed license of the Bank of Russia to attract funds into deposits and fizičeskihlic to open and maintain bank accounts held by the Bank is included in the register of banks, or before the date of revocation of the Bank BankaRossii license for carrying out banking operations (part 3-1 introduced by the Federal law dated 22 December 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225; in red. Federal law dated December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336.) 3-2. (Part 3-2 of the Act of December 22, 2008 vvedenaFederal′nym N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, p. 6225; void force based on Federal′nogozakona from December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 3-3. (Part 3-3 of the Act of December 22, 2008 vvedenaFederal′nym N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, p. 6225; void force based on Federal′nogozakona from December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 3-4. (Part 3-4 vvedenaFederal′nym Act of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, p. 6225; void on the basis of the Federal law of December 2, 2013.  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 4. Bank in respect of which, in accordance with part 3 of this article prohibits the Bank of Russia to attract cash assets of private individuals into deposits and opening bankovskihsčetov individuals, must within 30 days from the date of imposition of the ban to send to the Bank of Russia in the manner prescribed by normative acts of the BankaRossii, an application for termination of employment with contributions (as amended by the Federal law dated 22 December N 270-FZ-collection of laws of the Russian Federation , 2008, no. 52, art. 6225; Federal law dated December 2, 2013 N 335-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 49, St.
6336);
     5. the Treaty of bankovskogovklada or bank account agreement entered into by the Bank with fizičeskimilicami until the day of the introduction of the ban of the Bank of Russia is not subject to termination, except in the case of the owner of the deposit (account) requesting the termination of the relevant treaty.  Additional funds received in contributions (to account) from the date of introduction of the Bank of Russia of the ban, excluding interest earned in accordance with the terms of the deposit agreement or agreement of bank account, will not be counted and must be returned to persons who have instructed about depositing funds in deposit (per account) or on the application of physical licaperečislâûtsâ in order ustanovlennomBankom, by žefizičeskogo persons It is open in another bank that contains registered in deposit insurance system (as amended by the Federal law of December 22, 2008 N 270-FZ-collection of laws of the Russian Federation, 2008, no. 52, art. 6225).
     6. banks, for which, in accordance with part 3 of the present article ban to attract cash assets of private individuals into deposits and opening bank accounts fizičeskihlic shall: 1) no later than the day following the day of the introduction of the ban, put information about termination of the right to attract cash assets of private individuals into deposits, on the termination of the right to enter into new contracts with individuals bank deposit or bank account agreements as well as information about preventing enrollment extra cash deposits (accounts), opened in the Bank prior to the date of receipt of specified provisions in the Bank's premises accessible to clients in servicing investors, as well as on its Web site information and telecommunication network "Internet";
     2) daily polučeniâsootvetstvuûŝego regulations of the Bank of Russia to inform ban to attract cash assets of private individuals into deposits and opening bank accounts for natural persons, branches, representative offices and internal structural subdivisions of the Bank way, maintaining informaciiv day her directions.
     (Part 6 in red.  Federal law dated 2dekabrâ, 2013.  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 7. When neispolneniibankom duties prescribed parts 4-6 of this article, the Bank of Russia applies the liability measure stipulated by the Federal law "OCentral′nom Bank of the Russian Federation (Bank of Russia)", federal law "on banks and banking activities" and other federal′nymizakonami.
     8. (part 8 repealed effective on the basis of the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 9. (Part 9 repealed effective on the basis of the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St. 6336) 10. The sole executive body of the Bank, attracting funds of natural person after day of zapretaBanka of Russia to attract cash assets of private individuals into deposits and opening bank accounts for natural persons in accordance with this article, nesetsubsidiarnuû responsible for the damage caused by such physical person upon occurrence of an insured event, predusmotrennogonastoâŝim federal law (part 10 introduced the Federal law of December 2, 2013  N 335-FZ-collection of laws of the Russian Federation, 2013, no. 49, St.
6336). Article 49. Osobennostivozvrata deposits in kreditnyhorganizaciâh, the capital of which učastvuetBank Russia, in the system of deposit insurance Refund deposits in amounts exceeding defined by this federal law, the amount of compensation on deposits in credit institutions, in the capital which učastvuetBank Russia, bank deposit agreements or dogovorambankovskogo account prior to October 1, 2004 year, if these instruments are not made any changes and additions after September 30, 2004 year is provided by the subsidiary liability of the Russian Federation according to the requirements of the depositor in the Bank in the manner provided for in article 399 of the Civil Code of the Russian Federation, to January 1, 2007 year (injury.  Federal law dated August 20, 2004 N 106-FZ-collection of laws of the Russian Federation, 2004, no. 34, art. 3521). Article 50. Material contribution of the Russian Federation 1. Material contribution of the Russian Federation in the property of the Agency shall be effected by the transfer of public corporation "kreditnyhorganizacij restructuring agency" 3 billion. rubles. The amount of 2 billion. rubles sent an acknowledgment letter of obligatory deposit insurance and 1 billion.   Br-to generate sources of Agency expenditure on activities stipulated by this federal law, the Federal law "on guaranteeing persons in pravzastrahovannyh

compulsory pension insurance in the Russian Federation in the formation and investment funds of pension accruals, and payments are made at the expense of the funds of pension accruals, "the Federal law on Insolvency (bankruptcy)" and other federal laws (as amended by the Federal law of December 28, 2013  (N) 410-FZ-collection of laws of the Russian Federation, 2013, no. 52, art. 6975; Federal law dated December 22, 2014  N 432-FZ-collection of laws of the Russian Federation, 2014, N 52, art. 7543). 2. Imuŝestvennyjvznos specified in part 1 nastoâŝejstat′i, is carried out in cash and (or) state securities of the Russian Federation on their market value, within six months from the date of entry into force of this federal law.
     3. cash, polučaemyegosudarstvennoj by the Agency for restructuring credit organizations "at the conclusion of the restructuring of credit institutions shall be transferred in accordance with the decisions of its Board of Directors in the property as a property Agency vznosaRossijskoj Federation.
 
     Article 51. The managed entry of this federal law 1. NastoâŝijFederal′nyj law shall enter into force on the day of its official publication.
     2. The Government of the Russian Federation and the Bank of Russia within ten days from the date of entry into force of the nastoâŝegoFederal′nogo law determine nominate their representatives on the Board of Directors of the Agency.
 
     Moscow, Kremlin, N December 23, 2003 177-FZ
 
 
 








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