Key Benefits:
RUSSIAN FEDERATION
FEDERAL LAW
About credit histories
Adopted by the State Duma style="mso-spacerun:yes"> December 22, 2004
Approved by the Federation Council style="mso-spacerun:yes"> December 24, 2004
(in Ed. Federal on July 21, 2005 N 110-FZ-
Russian Law Assembly, 2005, N st.
3121; Federal of the law of 24 July 2007 N 214-FZ-Assembly
legislation Russian Federation, 2007, N 31, st. 4011;
Federal Law style="mso-spacerun:yes"> April 2011 N 65-FZ Collection
legislation Russian The Federation, 2011, N 15, st. 2038;
Federal Law style="mso-spacerun:yes"> July 2011 N 169-FZ To Collection
legislation Russian Federation, 2011, N 27, st. 3880;
Federal Law style="mso-spacerun:yes"> July 2011 N 200-FZ Collection
legislation Russian The Federation, 2011, N 29, st. 4291;
Federal Law style="mso-spacerun:yes"> 3 2011 N 389-FZ-Assembly
legislation Russian Federation, 2011, N 49, st. 7067;
Federal Law style="mso-spacerun:yes"> July 2013 N 251-FZ Collection
legislation Russian Federation, 2013, N 30, st. 4084;
Federal Law style="mso-spacerun:yes"> December N 363-FZ-Assembly
legislation Russian The Federation, 2013, N 51, st. 6683;
Federal Law style="mso-spacerun:yes"> June N 189-FZ Collection
Russian federation legislation, { n } { 26, }
Federal Law style="mso-spacerun:yes"> 29 December 2014 N 476-FZ-Assembly
Russian federation legislation, 2015, N 1, 29;
Federal Law style="mso-spacerun:yes"> June N 154th FZ - Collection
legislation Russian Federation, 2015, N 27, st. 3945;
Federal Law style="mso-spacerun:yes"> 30 December 2015 N 427-FZ-Assembly
Russian legislation, 2015, N, st. )
Chapter 1: General provisions
Article 1: Object and objectives of regulation of the present
Federal Law
1. This Federal Law defines the concept and composition
credit history, base, Formation, , and
using credit stories, is regulated by with this
Credit stories, Features
creation, elimination, and of credit
Also Principles Their source
credit history, by borrowers, State authorities
Local Government and Central Bank
Federation (hereinafter-Bank of Russia), with organizations, in favor of
passed in force and is not performed 10 days
court order for with money in in relation to
failure to meet residential accommodation charges,
utilities and communication services.
2. The goals of this Federal Law are
Security of creditors and Borrowers for General General credit risks, increase credit performance organizations, microfinance organizations, and credit Cooperatives,
and creating and collections, handling, storage and provisioning in credit bureus characterizing timeliness by borrowers
obligations on loan (credit), execution of Physical
faces, in style="mso-spacerun:yes"> number individual entrepreneurs, , and
legal faces payment for housing
room, utilities and
physical persons alims
entered into force and not executed within 10 days of court order
recovery from the debtor of specified cash.
(Article 1 Federal Law dated 28 June g.
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395)
Article 2: Scope of this Federal Law
This Federal Law regulates relations, occurring
between:
1) Borrowers style="mso-spacerun:yes"> organizations enclosing with physical
faces, in , including by individual entrepreneurs, and (or)
legal entities contracts Loin (credit), organizations,
granted claim on specified loan (credit)
The Federal Act of June 28, 2014. N189-FZ-Assembly
Laws of the Russian Federation, 2014, No. 3395);
2) organizations, enclosing with physical individuals, in
number with individual entrepreneurs, , and (or) legal
individuals (credit), organizations,
requirements for specified loan (credit), and credit bureks
History (ed.) of the Federal Act of June 28, 2014. style="mso-spacerun:yes"> N 189-FZ-
Assembly Legislation of the Russian Federation, 2014, N 26, st.
3395);
2-1) organizations, in favor in
Force and not executed within 10 days of the court's decision to recover c
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{ \cs6\f1\cf6\lang1024 } $ style="mso-spacerun:yes"> by
rent, utility bills style="mso-spacerun:yes"> and services
relations, and of the credit stories ( 2-1)
Act of June 28, 2014 N 189-FZ - Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395);
2-2) by the federal executive branch, Authorized
for functions by style="mso-spacerun:yes"> order
ship activity and performance court and acts of
organs, , and of the credit stories (Federal, item 2-2)
Act of June 28, 2014 N 189-FZ - Legislative Assembly Russian Federation, 2014, N 26, Art. 3395);
3) organizations, < > with by physical persons, in
number with individual entrepreneurs, and (or) legal
Loan contracts, , and the Central Directory Credit
stories
4) Central The and subjects
credit history;
5) Central The credit stories and users
credit history;
6) Central The credit stories and credit bureks
stories
7) Credit Stories and Credit Users stories
8) Credit Stories and Actors of Credit Stories
9) Bureau of Credit Stories and the Bank of Russia. Federal
law of July 23, 2013 N 251-FZ - Law Collection
Russian Federation, 2013, N 30, est. 4084);
10) Credit Office style="mso-spacerun:yes"> stories or
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style="mso-spacerun:yes"> 2014
g. N 189-FZ-Collection of Laws of the Russian Federation, 2014,
N26, st. 3395).
Article 3: Key Concepts Used in this
Federal Law
This Federal Law uses the following basic
concept:
1) Credit The history of the -information that is defined in
true Federal Law and which is stored in the office of the credit
History (ed.) of the Federal Act of June 28, 2014. style="mso-spacerun:yes"> N 189-FZ-
Russian Federation Law Assembly, 2014, N 26, st.
3395);
1-1) credit history record-information, inverse
credit of history and identity of the subject Credit
History of Accepted one Loan
(credit), also style="mso-spacerun:yes"> otherwise or commitment
covered by this Federal by law style="mso-spacerun:yes"> ( 1-1 )
Federal By Law style="mso-spacerun:yes"> July 2005 N 110-FZ Collection
Russian legislation, 2005, N 30, article 3121; in
Federal Law style="mso-spacerun:yes"> June N 189-FZ Collection
Laws of the Russian Federation, 2014, No. 3395);
2) Loan Contract (Loan)-Loan Contract, Credit contract,
other contracts, that contain the terms of the supply and
(or) commercial credit;
3) credit report-document, that contains information
incoming in composition credit , and for which the credit bureau
history provides user credit of the and
other people who have a right style="mso-spacerun:yes"> in
compliance with this Federal Law;
4 source style="mso-spacerun:yes"> credit organization,
creditor (creditor) to the (credit)
organization, in user the is in effect and not
executed within 10 days of court decision to enforce with debtor
money amounts in relation to Failure to comply with the obligations to make
home room, utilities and
federal organ
Features by order
and and otheracts
bodies, when recovering from the debtor of money by in
force and is not style="mso-spacerun:yes"> days solution
unfulfilled maintenance obligations, obligations
for a living room, utilities and communication services, or
guarantor - Credit or insurer
obligation to pay principal (beneficiary) moneys
sum, representing in Federal
in stories stories, arbitration
control, assigned to perform the procedure, in
insolvency of (bankruptcy) of the physical person, in
number of individual entrepreneor (further - )
manager) representing the current Federal law information in credit bureks (in Federal
law of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, st. 3395; Federal Act of
29 June 2015 g. N 154-FZ-Legislative Assembly of Russian
Federation, 2015, N 27, st. 3945);
5) subject of the credit - or Legal History
person, that is Borrower on on the loan (credit)
signer, principal, in granted banking
warranty or in to which has entered into force and not
executed within 10 days of court decision to enforce with debtor
money amounts in relation to Failure to comply with the obligations to make
rent, utilities, and communication services style="mso-spacerun:yes"> or
alimony and
The credit history of the Federal Act of June 28, 2014. N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395);
6) Credit Services Bureau style="mso-spacerun:yes"> legal
registered in conformance with the Russian legislation
Federation, is a commercial organization and in
matches with hereby Federal
formation, processing and storing credit histors,
to provide credit reports and related services
7) user credit - individual
business or legal face,
(s)other way frozen the consent of the credit history entity
to receive the credit of the targets in consent
Subjects of the Story of the ( Federal of the Law from 21
December 2013 N 363-FZ- Russian Law Collection
Federation, 2013, N 51, article 6683);
8) Central Directory of Credit Stories-OU Bank
Russia, which leads the database, created in
true Federal by law style="mso-spacerun:yes"> to find the bureau for credit histories,
Containing Actors Credit Stories Story style="mso-spacerun:yes"> (in ed.
Federal Law style="mso-spacerun:yes"> July 2005 N 110-FZ Collection
Russian legislation, 2005, N 30, article 3121);
9 public registry office credit history-open and
public federal resource containing
Information about on the credit stories made to the specified registry
The Bank of Russia (in the Ed. of the Federal Law of 23) style="mso-spacerun:yes"> July 2013 N
251-FZ -Collection of Russian legislation, 2013, N
30, article 4084);
10 subject's subject style="mso-spacerun:yes"> credit -a combination of digital and
alphabetic characters, a certain of the credit of the story,
used and (or) with its user consent
History in the Central history directory
Credit Story Bureau Query, in which formed
(generated) credit history (credit stories) of the subject
credit history to verify that the specifiedis valid
The Federal Act of July 21, 2005. N 110-FZ
Law Assembly of the Russian Federation, 2005, N 30, Text
3121).
Chapter 2. Credit History
Article 4: Credit History
1. Credit Story Subject's History-Physical
person consists of:
1 title part;
2) of the main part;
3optional part (closed);
4) of the information part.
(Part 1 in Federal Law December 21, 2013 N
363-FZ-Legislative Assembly of the Russian Federation Federation, 2013, N
51, article 6683)
2. of the piece of the physical
contains the following credit history information:
1) last name, name, (if last available) (Last name,
name, patronymic in Russian (for
Foreign Citizens and citizenship characters
Latin alphabet style="mso-spacerun:yes">
indocument, certifying person in matches
Russian Federationdate and place of birth (in
Fred. Federal Act of July 21, 2005 style="mso-spacerun:yes"> n 110-FZ -
legislation Russian The Federation, 2005, N 30, st. 3121;
Federal Law of 28 June N 189-FZ - Meeting
Laws of the Russian Federation, 2014, No. 3395);
2) Passport data Russian Russian Federation (data
previously passports issued style="mso-spacerun:yes"> Russian Russian
presence or no other of the document
attesting person in the with by law
Russian Federation (series, , and locations
name and style="mso-spacerun:yes"> organ that issued the ticket or other document,
Identity) (in the Federal Law of the
2005 N 110-FZ-Legislative Assembly of the Russian Federation Federation,
2005, N 30, style="mso-spacerun:yes"> 3121; Federal Act of June 28, 2014N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395);
3) Identification style="mso-spacerun:yes"> taxpayer (if person
specified);
4) an individual account insurance number, specified in
insurance certificate of the mandatory pension insurance (if
person specified).
3. The base of the physical
contains the following information, if any:
1) in relation to a credit history subject:
(a) Specify the place of registration and actual location (...) (...)
b) State registration of physical
individual business quality;
in) information about the recognition
physical of incapacitated or with limited legal capacity (in
case of its existence) (subparagraph "c" by the Federal Law of 28
June 2014 N 189-FZ - Law of the Russian
Federation, 2014, N 26, st. 3395);
g About procedures, used in
insolvency (bankruptcy) of a natural person, if arbitration
court accepted recognition of physical person
insolvent (bankrupt), including information about the malt
Physical of the person style="mso-spacerun:yes"> in insolvency (bankruptcy),
information about intentional or fictitious bankruptcy,
(including date) style="mso-spacerun:yes"> to include information in the Single Federal
registry of information about bankruptcies ( "g" ) Federal
of 29 June 2015 N 154-FZ-Legislative Assembly
Russian Federation, 2015, N 27, , 3945);
2) with regard to the borrower's obligation, a sponsor, principal
(for each credit history entry):
(a) the amount of the commitment (or limit on
credit, provided with map
borrower on loan contract date (credit);
b) Specify the maturity of the borrower's commitment style="mso-spacerun:yes"> in full
size according to loan agreement (credit);
in) Specify the interest due date in accordance with the
loan (credit); g) for changes and/or additions to the Loan Contract (credit), including timing issues; d) o and the amount of performance
borrower in full and (or) incomplete sizes
(e) the amount of the loan (loan) debt style="mso-spacerun:yes">
last payment;
redeem loan from in in
default by the borrower on the contract;
(s) for consideration by the court, arbitral tribunal and/or third party
court disputes over loan (loan) and content of resonative
parts of legal acts that have become enforceable, style="mso-spacerun:yes">
information, in the in the (closed) parts
credit history
and) to stop transmitting information, of the present
article, in the bureau of credit stories about ending the actions
Provision of or in style="mso-spacerun:yes"> c
assignment of requirement law (with on the specified
events);
to) Specify the kind of commitment-the loan contract is style="mso-spacerun:yes"> (credit)
sponsorship contract;
l) to specify the subject matter of the deposit (if any) and duration actions
contract bail, rating with dates
; for sponsorship - scope of obligation,
provided by sponsorship, the and terms
surety; for bank guarantees- commitment volume
warranty, amount and warranty period, and
information on termination of bank guarantee in other, other than
ending the warranty period;
m about (credit)
compliance with loan agreement (credit);
n) o and with creditors and
Free of the Borrower from requirements
creditors or the fact that a borrower does not rule about
release from of the future fulfillment requirements in
result of resume on insolvency proceedings
(bankruptcy) of an individual in the case, if by the court
style="mso-spacerun:yes"> admissions of a person bankrupt (subparagraph
"is" introduced by Federal Act from 29 June 2015 N 154-FZ
Assembly Legislation of the Russian Federation, 2015, N 27, st.
3945);
(Paragraph 2 in the Federal Law from 28 June g. N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395)
3) in the debtor -
entered into force and unexecuted within 10 days of trial with
obligation to pay for dwelling room, utilities
and links, and directed by a federal body
executive authority, authorized to perform the by
of the established procedure for the operation of ships and of
judicial acts and acts of other organs, style="mso-spacerun:yes"> collection
debtor of money Amount style="mso-spacerun:yes"> with for the maintenance failure
liabilities, of obligation to pay for dwelling room,
Utilities and services
Act of June 28, 2014 N 189-FZ - Legislative Assembly Russian Federation, 2014, N 26, Art. 3395).
4. additional (closed) of the credit historia
physical person contains the following information:
1) in style="mso-spacerun:yes"> credit history source
exception to financial manager] (in the [ [ Federal Office]]) style="mso-spacerun:yes">
, June 29, 2015 N 154-FZ-Legislative Assembly Russian
Federation, 2015, N 27, st. 3945):
(a) full and abbreviation of the legal faces,
brand name, name in one from people
Russian Federation and/or foreign (in if
exist);
b) Primary State legal registration number
;
in) taxpayer identification number;
2) for credit history users:
a) for a credit History- Legal
person:
full and short The name of the legal
brand name, name in one from people Russian Federation and/or foreign (in if exist); main state Registration legal number ; taxpayer identification number; query date; b) in of the history user individual entreprenein: About the State physical
individual business quality;
surname, first name, middle name (if Last ) Russian
language (for foreign citizens and faces without Written
letters based on the information of the in
document, certifying person in matches
Russian legislation);
identity the taxpayer;
Citizens of the Russian Federation's passport style="mso-spacerun:yes"> or if
no data Other document, identification in
compliance with Russian Federation (series,
number, date and location, name, and style="mso-spacerun:yes"> body
passport or other identity document;
query date;
3) in the requirements (
assignment of contract claim on loan (credit):
(a) { \field { \field { \field { \field } requirements- legal requirements
person:
full and short The name of the legal
brand name, name in one from people Russian Federation and/or foreign (in if exist); main state Registration legal number ; taxpayer identification number; b) for requirements- of physical person: surname, first name, middle name (if Last ) Russian language (for foreign citizens and faces without Written letters based on the information of the in document, certifying person in matches
Russian legislation), date and place of birth;
Citizens of the Russian Federation's passport style="mso-spacerun:yes"> or if
no data Other document, identification in
compliance with Russian Federation (series,
number, date and location, name, and style="mso-spacerun:yes"> body
passport or other identity document;
identity the taxpayer (if
specified);
Individual Front Faced Number style="mso-spacerun:yes"> accounts, in
insurance certificate of the mandatory pension insurance (if
person specified);
4) for the source of the
financial control:
(a) the last name, middle name (if any) on the Russian
Language;
b) the name and address of the self-regulated organization, member
which is the finance manager;
in) the request or course date, members
credit history
g) date style="mso-spacerun:yes"> and end of financial authority
control.
(Paragraph 4 was introduced by Federal Law from 29 June 2015
154-FZ -Collection of Russian legislation, 2015, N
27, Text 3945)
(Part 4 in the Federal on June 28, 2014
189-FZ-Assembly of Russian legislation in the Federation, 2014, N
26, Text 3395)
4-1. Credit Actor's Credit History Part
History - Physical is formed for each themed
statement of About (credit). In
credit history subject's credit history
physical contains the resupply
(credit) or on the in the conclusion of the loan (credit) contract
information about missing two and more payments by a contract
loan (credit) for 120 calendar days from the date of attack
maturity date for the loan agreement (credit)
is not performed by the borrower. As to the fact of creditor's refusal to the borrower
the loan contract (credit) is concluded:
1) the sum of the contract style="mso-spacerun:yes"> (credit), to which the creditor
rejected by a borrower;
2) of the lender's refusal to the borrower in the contract
loan (credit) with reason for rejection;
3) the lender's refusal to enter into a contract style="mso-spacerun:yes"> loans
(credit) or loan (credit).
(Part 4-1 is introduced by Federal Law of December 21, 2013. N
363-FZ-Legislative Assembly of the Russian Federation Federation, 2013, N
51, st. 6683; in the Federal Act of June 28, 2014
189-FZ-Assembly of Russian legislation in the Federation, 2014, N
26, Text 3395)
4-2. Information about the approved lender,
borrower (loan)
(Part 4-2 is introduced by Federal Law of June 28, 2014. N 189-FZ
Law Assembly of the Russian Federation, 2014, N 26, Text
3395).
4-3. In the borrower's refusal to conclude the contract
loan (credit) in the
historyphysical person is formed by credit history,
title, additional (private), and information parts (part
4-3 introduced by Federal on June 28, N 189-FZ-
Russian Federation Law Assembly, 2014, N 26, st.
3395).
4-4. The Information Part of the Credit Information
History and its is set by Russia's with the
requirements of this article (Part 4-4 introduced by the Federal by law
dated June 28, 2014 N 189-FZ-Legislative Assembly Russian
Federation, 2014, N 26, st. 3395).
5. Credit History's Credit Story-Legal
person consists of:
1 title part;
2) of the main part;
3) Additional (closed) part.
6. The title of the legal history of style="mso-spacerun:yes">
contains the following details about the credit history subject:
1) full and abbreviation of the legal faces,
brand name, name in one from people
Russian Federation and/or foreign (in if
exist);
2) address style="mso-spacerun:yes"> permanently
executive of the Legal of the ( absence
permanent executive body legal persons-
other or persons
legal person in the law, of the legal of the or
constituent of the document), style="mso-spacerun:yes"> links
legal person, his phone;
3) main public registration number Legal
;
4) taxpayer identification number;
5) About the Reorganization of a Legal Person:
(a) full and abbreviation reorganized
legal person, trade name, name on one of
languages of the peoples of the Russian Federation and (or) foreign style="mso-spacerun:yes"> (in
case, if any);
b) public registration number
legal entity
(Part 6 in the The Federal Act of June 28, 2014. N
189-FZ-Assembly of Russian legislation in the Federation, 2014, N
26, Text 3395)
7. The of the legal history of style="mso-spacerun:yes">
contains the following information, if any:
1) in relation to a credit history subject:
(a) about procedures for legal if
arbitration court passed to production declaration of recognition
debtor is bankrupt;
b) major parts of the rearrangedstories
legal entities existence,- if legal
person was created by reorganizing;
2) with respect to the borrower, sponsor, principal
(for each credit history entry):
(a) Specify the amount of the borrower's obligation style="mso-spacerun:yes"> on the date
loan contract (credit);
b) Specify the maturity of the borrower's commitment style="mso-spacerun:yes"> in full
size according to loan agreement (credit);
in) Specify the interest due date in accordance with the
loan (credit); g) for changes and/or additions to the Loan Contract (credit), including timing issues; d) o and the amount of performance
borrower in full and (or) incomplete sizes
(e) the amount of the loan (loan) debt style="mso-spacerun:yes">
last payment;
redeem loan from in in
default by the borrower on the contract;
(s) for consideration by the court, arbitral tribunal and/or third party
court disputes over loan (loan) and content of resonative
parts of legal acts that have become enforceable, style="mso-spacerun:yes">
information specified in the optional (closed) part of the credit
stories
and) to stop transmitting information, of the present
article, in the bureau of credit stories about ending the actions
Provision of or in style="mso-spacerun:yes"> c
assignment of claim law (with date specified
events);
to) Specify the kind of commitment-the loan contract is style="mso-spacerun:yes"> (credit)
sponsorship contract;
l) to specify the subject matter of the deposit (if any) and duration actions
contract bail, rating with dates
; for sponsorship - scope of obligation,
provided by sponsorship, the and terms
surety; for bank guarantees- commitment volume
warranty, amount and warranty period, and
information on termination of bank guarantee in other, other than
ending the warranty period;
3) in relation to of the debtor- part information
entered into force and unexecuted within 10 days of trial
about recovering from the debtor's money in
obligation to pay for dwelling room, utilities
services and communications, and also directed by by the body executive authority for by
{ } { } { execution judicial acts and acts of other organs, style="mso-spacerun:yes"> collection debtor in Links with
obligations to pay for dwelling room, utilities and communication services. (Part 7 in the Federal on June 28, 2014
189-FZ-Assembly of Russian legislation in the Federation, 2014, N
26, Text 3395)
8. additional (closed) of the credit historia
legal person contains the following information:
1) for a credit history source:
(a) full and abbreviation of the legal faces,
brand name, name in one from people
Russian Federation and/or foreign (in if
exist);
b) The main public registration number Legal
;
in) taxpayer identification number;
2) for credit history users:
(a) in of the history user
individual entreprenein:
About the State physical
individual business quality;
surname, first name, middle name (if Last ) Russian
language (for foreign citizens and faces without Written
letters based on the information of the in
document, certifying person in matches
Russian legislation);
taxpayer identification number;
Citizens of the Russian Federation's passport style="mso-spacerun:yes"> or if
no data Other document, identification in
compliance with Russian Federation (series,
number, date and location, name, and style="mso-spacerun:yes"> body
passport or other identity document;
query date;
b) for a credit History- Legal
person:
full and short The name of the legal
brand name, name in one from people Russian Federation and/or foreign (in if exist); main state Registration legal number ; taxpayer identification number; query date; 3) in the requirements (
assignment of contract claim on loan (credit):
(a) { \field { \field { \field { \field } requirements- legal requirements
person:
full and short The name of the legal
brand name, name in one from people Russian Federation and/or foreign (in if exist); main state Registration legal number ; taxpayer identification number; b) for requirements- of physical person: surname, first name, middle name (if Last ) Russian language (for foreign citizens and faces without Written letters based on the information of the in document, certifying person in matches
Russian legislation), date and place of birth;
Citizens of the Russian Federation's passport style="mso-spacerun:yes"> or if
no data Other document, identification in
compliance with Russian Federation (series,
number, date and location, name, and style="mso-spacerun:yes"> body
passport or other identity document;
identity the taxpayer (if
specified);
Individual Front Faced Number style="mso-spacerun:yes"> accounts, in
insurance certificate of the mandatory pension insurance (if
person specified).
(Part 8 in the Federal on June 28, 2014
189-FZ-Assembly of Russian legislation in the Federation, 2014, N
26, Text 3395)
9. The main part of the credit history can also be contained
individual credit history rating, calculated at
methods, s of the credit
History.
10. The history of the history includes information about all
changes to the information contained in it.
11. The relation of to the history of - guarantors
credit history, made up of title, master,
additional (closed) and information parts (part 11 entered
Federal Law of 28 June N 189-FZ - Meeting
Laws of the Russian Federation, 2014, No. 3395).
12. The relation of to the history of - principal
a credit story is generated, consisting of titled, master and
additional (closed) parts of (part of 12 introduced by the Federal
of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
13. The History of the History of the History -
a physical person's sponsor is formed only in the part of
defined in 1, by "e", "and", "to" and "l" of paragraph 2
Part 3 of this article, of a legal person's sponsor parts
information defined by paragraph 1, with "e", "and", "to" and "l"
para. 2 of Part 7 of this article (part of 13 entered Federal
of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
14. The credit history of of the credit history
physical person's face style="mso-spacerun:yes"> is formed only in part of the information,
defined in paragraph 1, of paragraph 2 of Part 3 style="mso-spacerun:yes">
Articles, and Principal style="mso-spacerun:yes"> legal parts of details
defined by 1, "L" of paragraph 2 of Part 7 of this
Part 14 introduced by Federal Act of June 28, 2014 style="mso-spacerun:yes"> N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395).
15. From the start date of the guarantor of the borrower
Contract of the (credit) base part of credit history in
relation of the credit actor style="mso-spacerun:yes"> - starts
be fully formed, including other information included
in main part of ( 15 entered
Federal Law of 28 June N 189-FZ - Meeting
Laws of the Russian Federation, 2014, No. 3395).
16. The main of the history can be style="mso-spacerun:yes">
information about the number of users ' requests for credit history, about
period (time) in which such requests were made, a
also about objectives style="mso-spacerun:yes"> specified requests and credits (credit), for
whose requests were made. This information in
relation of credit history users, , to the in
major part of credit history is not disclosed (Part 16 entered
Federal By Law style="mso-spacerun:yes"> June N 189-FZ Collection
Laws of the Russian Federation, 2014, No. 3395).
Article 5: Presentation of information to the bureau of credit
stories
1. Credit History Sources
represent the entireavailable information, defined by
4Federal Law, in
concluded contract for information services. Allowed
Opinion of the information service agreement with multiple
credit history bureau.
2. Information service contract concluded between
source of credit history and credit history bureau,
is a treaty of accession, of which determines the conditions bureau
credit history:
3. (Part 3 is no more effective under the Federal Act
June 28, 2014. N 189-FZ- Russian Law Collection
Federation, 2014, N 26, st. 3395)
3-1. Source of the History of - credit
, microfinance organizations, and Credit Cooperatives
must represent all available information defined by article
4 of this Federal law, in on the Borrowers,
guarantors, Principals style="mso-spacerun:yes"> to the same bureau of credit stories,
included in government registry Credit of stories, without
getting the on its (Part 3-1 )
Federal By Law style="mso-spacerun:yes"> June N 189-FZ Collection
Laws of the Russian Federation, 2014, No. 3395).
3-2. Source of Credit Organizations- Organizations,
creditors by loans ( exception
credit organizations, Microfinance and credit
cooperatives), to the right represent in the bureau of stories
available information, defined by
4Federal law, in relation to borrowers, although would be style="mso-spacerun:yes"> in
one bureau of credit stories included in public registry
Bureau of Credit Stories, without consent to its submission,
as well as are required to submit information to the bureau of credit stories o
loan repayments, reported previously in the Bureau
Credit Stories (Part 3-2 introduced by Federal Law of June 28
2014 N 189-FZ-Legislative Assembly of the Russian Federation Federation,
2014, N 26, S 3395).
3-3. Credit history sources-organizations, in
benefit of which has entered
10 days of court decision to recover the money from the debtor
links to default on the payment of the for
premises, utilities, and links, Federal authority
executive authority for by
{ } { } { execution Acts and acts of other organs unexecuted
Maintenance Obligations, Commitments to Pay for
building, utilities, and communication services has the right style="mso-spacerun:yes">
available information about money amounts, defined by
part 3 and 3 of the Part 7 4 Federal
law, also style="mso-spacerun:yes"> information, in of the title of the Part
credit history against debtors, credit history,
included in government registry Credit of stories, without
receiving an agreement on the view Source
credit stories- organization, in
entered into force and not executed within 10 days of court order
recovery from the debtor of money amounts in with with
obligation to pay for dwelling room, utilities
services and communications, federal executive authority,
authorized on implementation
established order of activity of ships and judiciary acts and of the other alimes obligations, and obligations payment for housing premises, utilities and communication services are required by the
Credit stories style="mso-spacerun:yes"> court
(partial or partial) previously reported by style="mso-spacerun:yes"> in
Bureau of Credit Stories, within five working days with style="mso-spacerun:yes"> when
became known to the relevant information, also
notify the debtor about passing information about it to the Bureau
credit stories in order, Bank of Russia installed.
credit history is required to turn on information in
credit history (part 3-3 introduced by Federal Law of June 28
2014 N 189-FZ-Legislative Assembly of the Russian Federation Federation,
2014, N 26, S 3395).
3-4. Source of the history, in Relationship
open tender production, must
information:
1) about the organization, in the which is open
production;
2) contained in the cover part of the credit style="mso-spacerun:yes"> principal history
credit history
3) value of the borrower, sponsoring on date
{ \cs6\f1\cf6\lang1024 } Credit organization license{ \cs6\f1\cf6\lang1024
} style="mso-spacerun:yes"> Banking
operations, exceptions from state Microfinanceregistry
organization, credit The end of the cooperative
insolvency of an organization;
4) on performance of the commitment style="mso-spacerun:yes"> in
matches the loan contract terms in
order, debt cancellation for the (credit)
balance of organization, assignment of requirement third
specify third persons) at the end date of the competition Production
.
(Part 3-4 introduced by the Federal Act of June 28, 2006 style="mso-spacerun:yes"> g. N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395)
3-5. The Source of the Credit History, in
liquidation process is required to provide the following information:
1) about an organization that is in the process of being liquidated;
2) contained in the cover part of the credit style="mso-spacerun:yes"> principal history
credit history
3) value of the borrower, sponsoring on date
{ \cs6\f1\cf6\lang1024 } Credit organization license{ \cs6\f1\cf6\lang1024
} style="mso-spacerun:yes"> Banking
operations, exceptions from state Microfinanceregistry
organization, credit co-op, and end of process
liquidation
4) on performance of the commitment style="mso-spacerun:yes"> in
matches the loan contract terms in
order, debt cancellation for the (credit)
balance of organization, assignment of requirement third
specifying third faces) on the Completion date
.
(Part 3-5 is introduced by Federal Act of June 28 style="mso-spacerun:yes"> g. N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395)
3-6. Source of the history, in Relationship
which is a competitive } { \b } production or Elimination,
represents information in the same bureau of credit stories, in the
represented style="mso-spacerun:yes"> earlier. end of the contest
{ \cs6\f1\cf6\lang1024}{ \cs6\f1\cf6\lang1024
}
{ \cs6\f1\cf6\lang1024}
stories all remaining information (if any) (part 3-6
was introduced by Federal Act of June 28, 2014. N 189-FZ- Collection
Laws of the Russian Federation, 2014, No. 3395).
3-7. The part of the history of appears
sources of credit history generation in credit bureks
without the consent of the subject of credit history no more than five
workers days from the day of its formation (Part 3-7 entered Fed
Act of June 28, 2014 N 189-FZ - Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
3-8. Part Parts 3-1 - 3-7 of this
extends to interbank operation (part 3-8 )
Federal Law of 28 June N 189-FZ - Meeting
Laws of the Russian Federation, 2014, No. 3395).
3-9. In the borrower has a physical person's credit
history at the time of acceptance of the declaration of recognition
insolvent (bankrupt) source of credit history
- financial control must represent information
specified by "g" style="mso-spacerun:yes"> part 3 of Article 4 of this
Federal Law, in stories in
formed credit the history of the subject of the credit
history, and if the borrower does not have a physical person style="mso-spacerun:yes"> credit
history at the time of acceptance of the declaration of recognition
insolvent (bankrupt) financial is required
send at least one credit bureau history,
included in state registry of credit stories of (part of)
3-9 introduced by Federal on June 29, 2015 N 154-FZ-
Russian Federation Law Assembly, 2015, N 27, st.
3945).
4. Information about passing information to s { \lang1024 }
true federal law, on the borrower, guarantor, principal
in the credit of the in
(credit), contract surety, by the source
{ \cs6\f1\cf6\lang1024 } Credit history with the borrower, a sponsor, and }
bank guarantees (under Ed. of the Federal Act of June 28, 2014) g.
N 189-FZ-Collection of Russian legislation, 2014, N
26, Text 3395).
4-1. The credit of the story is
formation of credit of the code credit history principal with
contract conclusion (credit), if of the credit
History on no loan contract (credit)
credit history in any bureau History. Source
formation of of the credit of the accepts a creditsubject from
history of the credit
information defined by article 4 of this Federal Law
represents in the bureau of credit the credit
History (Part 4-1) was introduced by Federal Law of July 21, 2005. N
110-FZ -Collection of Russian legislation, 2005, N
30, article 3121).
4-2. Subject of credit history to right to replace subject's
credit of history, style="mso-spacerun:yes"> create for each user
credit history additional code for credit history
its view of in the information from Central
credit history catalog. Additional code for the credit
story is valid for two months from the date of its formation and
invalidated by the Central Catalog of Credit Stories on expiration
this of the term (part 4-2, introduced by the Federal Act of July 21) 2005
g. N 110-FZ-Assembly of Russian legislation, 2005,
N30, , 3121; Federal Law of June 28, 2014. N
189-FZ-Assembly of Russian legislation in the Federation, 2014, N
26, Text 3395).
4-3. { \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024 } { \b codes
subject of the credit of the story, number of additional codes,
set by Bank of Russia (part of 4-3 introduced by Fed
of 21 style="mso-spacerun:yes"> July 2005 N 110-FZ-Legislative Assembly
Russian Federation, 2005, N 30, , 3121; in red. Federal
law of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
5. Source stories
information in on the time stories
contract for information, but no later than five workers
days since action (event), information about
which includes in the the history of matches style="mso-spacerun:yes"> c
true Federal by law, the day, when
formation of of the credit of the story has become known about committing such a
action ( such a style="mso-spacerun:yes"> events). Sources of
credit history (excluding sources specified in Part 5-1
true article) represents information in credit
in form of the electronic document (in Federal Law of 28
June 2014 N The Russian law
Federation, 2014, N 26, st. 3395).
5-1. Credit Stories Source-Organization, in
whose benefit is in effect and is not performed within
10 days court decision to collect money from the debtor in connection with
failure to meet residential accommodation charges,
Utilities and links, or organ
executive authority, delegate to the by
of the established procedure for the operation of ships and of
judicial acts and acts of other organs, Unexecuted
alimony commitments, on the payment of rent
room, utilities and communication services are right style="mso-spacerun:yes">
corresponding in The bureau's
of the document, signed by in
matches with the laws of the Russian Federation, , or form
document on paper media (Part 5-1 was typed by the Federal
Act of June 28, 2014 N 189-FZ - Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
5-2. if of the information source
credit stories specified by in the 5-1 of this
articles are implemented in relation More than four subjects
credit history in style="mso-spacerun:yes"> one year, origin
credit history is required to
inelectronic document (Part 5-2 introduced by Federal Law 28
June 2014 N The Russian law
Federation, 2014, N 26, st. 3395).
5-3. In the event that the credit of the history
stops reporting to
cause to end style="mso-spacerun:yes">
information services with this credit history bureau or in the case
yielding to another person requirement source
credit history passes the corresponding information
in credit histors for five workers days (Part of 5-3
was introduced by Federal Act of June 28, 2014. N 189-FZ- Collection
Laws of the Russian Federation, 2014, No. 3395).
5-4. the assignment of to the { \cs6\f1\cf6\lang1024 } credit
History to another person's requirement for the contract of the loan style="mso-spacerun:yes"> (credit)
or other debts that are reported in style="mso-spacerun:yes"> c
true Federal by law style="mso-spacerun:yes"> appears in in the bureau of credit
stories, a person, style="mso-spacerun:yes"> right requirements, for exceptions
physical or physical of the person in
quality of of an individual entrepreneer, becomes source
formation of this credit
conclude about information services and reporting
information in at least one the credit of stories, included in
Public Registry style="mso-spacerun:yes"> credit stories, in order,
Part of 5-4 Federal
of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
5-5. In the case of assignment of the right of requirement on a debt, not
loan-related (loan), source
credit history generation not later than the working day, of the following
in the day of the specified assignment, informs the new creditor of availability in
Credit stories style="mso-spacerun:yes"> to
liabilities (part 5-5 introduced by the Federal by law) style="mso-spacerun:yes"> 28 June
2014 N 189-FZ-Legislative Assembly of the Russian Federation Federation,
2014, N 26, S 3395).
5-6. A person who received the requirement on the contract style="mso-spacerun:yes"> loans
(credit) or other debt, represents information to the bureau
credit histories under the same conditions, as the person who passed law
requirements for a specified contract (part of 5-6 Federal
of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
5-7. The credit of is required
represent in the bureau of credit style="mso-spacerun:yes"> stories
Part 10 of Article 4 of this Federal Law, total
storage source of the history
information, defined by Article 4 of this Federal Law
(Part 5-7 introduced by Federal Law of June 28, 2014. N 189-FZ
Law Assembly of the Russian Federation, 2014, N 26, Text
3395).
5-8. Source of History of - financial
control represents credit stories in
compliance with the requirements of Part 3 to 9 of this Article within 10
days from the occurrence of an event (event) or with the daytime
When he became aware of the commission of such an act (attacks
such an event). The information is presented in the bureau of credit history
in form of electronic (Part 5-8 introduced by Federal
Act of June 29, 2015 N 154-FZ - Legislative Assembly
Russian Federation, 2015, N 27, est. 3945).
6. Presenting HistorySources
information, defined by Article 4 of this Federal Law,
Credit Stories in matches with
is violation of service, banking, tax or
business secrets.
Article 6: Provision of a credit report
1. Credit history bureau provides credit report:
1) credit history user-on demand;
2) Credit Actor style="mso-spacerun:yes"> the query for
review your credit history;
3) in Central Directory of Credit Stories- part title
credit report;
4) in the (judge) or Civil cases
in its production, financial control
approved in the case of the insolvency of (bankruptcy) of the subject
credit of the physical
investigation The body in pres investigations on excited style="mso-spacerun:yes"> criminal case, in their
production-additional (closed) part of credit history in
with part of of this article (in the Federal
law of July 24, 2007 N 214-FZ - Legislation Collection
Russian Federation, 2007, N 31, st. 4011; Federal Act of
June 28, 2014. N 189-FZ- Russian Law Collection
Federation, 2014, N 26, 3395; Federal Act of June 29
2015 N 154-FZ-Legislative Assembly of the Russian Federation Federation,
2015, N 27, st. 3945);
5) in the federal authority executive authority, trusted
for functions by style="mso-spacerun:yes"> order
and and otheracts
organs, -title and main
query (para. 5 by Federal Act of December 3, 2011) N
389 FZ-Assembly of Russian legislation, 2011, N
49, article 7067);
6) to a notary due to the need for Validationimplementation
inheritance of the property
legacy title deeds-title,
main and additional (private) part of credit history (item
6 of the Federal Law of June 28, 2014. N189-FZ-Assembly
Laws of the Russian Federation, 2014, No. 3395);
7) in The Bank the title request style="mso-spacerun:yes"> master,
additional (closed) and credit history information
Format and order provision of information from of the bureau of credit
stories set by Russia (item 7)
Act of June 28, 2014 N 189-FZ - Legislative Assembly Russian Federation, 2014, N 26, Art. 3395).
2. Credit provides credit report
credit history user based on of the
information services, to be entered by between the user of the credit
History and Credit Bureaux.
3. The physical of the exception
entrepreneurs, are eligible to receive credit reports only
in case, if they are subjects of appropriate credit
stories for which credit reports are requested.
4. The core of the history of is provided
User Credit of the query
containing full information on the subject of the requested credit
History from the cover part of the credit history (in style="mso-spacerun:yes"> Federal
law of 11 July 2011 N 200-FZ-Legislative Assembly
Russian Federation, 2011, N 29, article 4291)
5. Granting to History
credit report bureau report makes a
(closed) part of credit history:
1) for the user of the credit history style="mso-spacerun:yes"> - Legal
person:
(a) the full and abbrevied ( if is present)
name of legal person, including brand name,
name in one of The Russian People's
(or) foreign style="mso-spacerun:yes"> (in the last case written in
Latin script (in the Latin alphabet). Federal Act of 21 July 2005
N 110-FZ-Russian Federation Law Assembly, 2005, N
30, article 3121);
b) The main public registration number Legal
(in style="mso-spacerun:yes"> Federal Act of June 28, 2014. N 189-FZ-
Russian Federation Law Assembly, 2014, N 26, st.
3395);
in) taxpayer identification number;
g) (Subitem "g" expired on the basis of Federal Act No. Law
dated June 28, 2014 N 189-FZ-Legislative Assembly Russian
Federation, 2014, N 26, st. 3395)
d) the date of the request;
2) in the
individual entreprenein:
(a) State Registration of Physical
individual business quality;
b) last name, name, (if last available) (Last name,
name, patronymic in Russian (for
Foreign Citizens and citizenship characters
Latin alphabet style="mso-spacerun:yes">
indocument, certifying person in matches
(...) (...) Federal Lawdated July 21, 2005 N 110-FZ-Legislative Assembly Russian
Federation, 2005, N 30, 3121; Federal Act of June 28
2014 N 189-FZ-Legislative Assembly of the Russian Federation Federation,
2014, N 26, S 3395);
in) taxpayer identification number;
g) Ticket data style="mso-spacerun:yes"> Russian Federation (data
previously passports issued style="mso-spacerun:yes"> Russian Russian
presence or no other of the document
attesting person in the with by law
Russian Federation (series, , and locations
name and style="mso-spacerun:yes"> organ that issued the ticket or other document,
Identity) (in the Federal Law of the
2005 N 110-FZ-Legislative Assembly of the Russian Federation Federation,
2005, N 30, style="mso-spacerun:yes"> 3121; Federal Act of June 28, 2014N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395);
d) the date of the request.
6. Credit reports are provided to the credit history principal
upon request in one of two forms:
1) in a written form, authenticated credit
stories and by style="mso-spacerun:yes"> credit stories or
alternate;
2) in the form of an electronic of the document, signed by
in with Russian Federation law
or some other equivalent to the handwritten signature of the manager, or Other
authorized person's credit bureau History (in Ed. Federal
law of April 6, 2011 N 65-FZ - Law Collection
Russian Federation, 2011, N 15, st. 2038; Federal Act of
11 July 2011 N 200-FZ- Russian Law Collection
Federation, 2011, N 29, article 4291)
7. The Credit History Bureau, by authenticating the subject
credit history, provides a credit report for the credit:
1) in the History's on the Day
accesses;
2) otherwise, within three working days with
receive query day.
(Part 7 in the Federal on June 28, 2014
189-FZ-Assembly of Russian legislation in the Federation, 2014, N
26, Text 3395)
7-1. The History Bureau, Identity
credit history user, provides him with credit report in
, not to exceed three working days since the day of the call query
Provisioning (Part 7-1 introduced by Federal Act No. 28
June 2014 N The Russian law
Federation, 2014, N 26, st. 3395).
8. Credit is granted credit
stories and financial control, in
insolvency (bankruptcy) of the history of the
physical face, only in the form of the document
signed electronic in in
legislation Russian The Federation or other than
hand-written of The head of the credit historyor
other delegate style="mso-spacerun:yes"> (in
Federal Law style="mso-spacerun:yes"> April 2011 N 65-FZ Collection
legislation Russian The Federation, 2011, N 15, st. 2038;
Federal Law style="mso-spacerun:yes"> July 2011 N 200-FZ Collection
legislation Russian The Federation, 2011, N 29, st. 4291;
Federal Law style="mso-spacerun:yes"> June N 154th FZ - Collection
Russian legislation, 2015, 3945).
9. The consent of the history of on expand
information, contained in the main part of the credit history, might
to be received by the credit history user in the form
document, signed in in
Russian legislation, or in writing style="mso-spacerun:yes">
paper of with a person's signature of a credit
History in Credit Story Subject of the user
credit history or other document, of Certifying
person. Subject's consent credit of must contain
name of the user and of the appearance
specified consent (ed.) of the Federal Act of June 28, 2014 g.
N 189-FZ-Collection of Russian legislation, 2014, N
26, Text 3395).
9-1. Information part of the history of is provided
legal entities and individual entrepreneurs for extraditions
loan (credit) without the consent of the subject of credit history on time,
> 5 working days since credit
stories with a such an information part
(Part 9-1 introduced by Federal Law from 21 style="mso-spacerun:yes"> December N
363-FZ -Collection of Russian legislation, 2013, N
51, st. 6683; of the Federal Act of June 28, 2014 N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395).
10. Concurring of the subject of the history, received
credit history user, valid for
two months from of the In if within
specified duration of loan (credit) was
consent to of credit history subject remains in effect total
duration of loan agreement (credit) Federal Law
dated June 28, 2014 N 189-FZ-Legislative Assembly Russian
Federation, 2014, N 26, st. 3395).
10-1. Upon expiration of the consent of the subject's credit
history, of the part of 10 this article, user
credit history that received this consent is not entitled to request in
Credit History Bureau (part 10-1
)was introduced by Federal Act of June 28, 2014. N 189-FZ- Collection
Laws of the Russian Federation, 2014, No. 3395).
11. assignments to the requirement on the Loan
(credit), contract Surety consent of credit
story is considered to be style="mso-spacerun:yes"> a successor to a contract
loan (credit), style="mso-spacerun:yes"> (in Federal
law of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
11-1. (Part 11-1 introduced by Federal Act of 21 July 2005
g. N 110-FZ-Assembly of Russian legislation, 2005,
N 30, , 3121, expired under the Federal Act
June 28, 2014. N 189-FZ- Russian Law Collection
Federation, 2014, N 26, st. 3395)
12. The Bureau of Credit History has the right at any time to request
of the credit history instance or copy
consent subject of credit history to getting of the main part
credit history, Authenticated trusted official
credit history. instance of consent
Subjects of the Story of the to get the main part of the credit
history is kept for five years after the end of Actions
loan (credit). In the case, if the contract was not signed,
consent to receive major part of credit history is stored by in
five years from the end of the consent period. Storage
credit history entities ' consent must be in the form,
to test their and confidence (in
Federal Law of 28 June N 189-FZ - Meeting
Laws of the Russian Federation, 2014, No. 3395).
13. Additional (closed) part of the credit story can
to be provided with a credit history subject, to Central bank
Russian Federation (Bank of Russia) on request, to court (judge)
criminal or civil case in its production,
financial manager, approved in the case (...) (...)
(Bankruptcy) Subject of Credit History- Physical
consent existence
pre- effects of by criminal case
in their production, to the notary
checking members of the Property of
performing notarial actions on the issue of a right to
inheritance. The court (judge), preliminary investigation organs receive
other information, in credit history, except
information specified in 4 1 of this article, in
with Federal banks and banks
Activity "and the Federal Law of July 29, 2004 N 98-FZ" O
{ \cs6\f1\cf6\lang1024
} { \cs6\f1\cf6\lang1024 } { \b } Secrecy{ \cs6\f1\cf6\lang1024
} g.
N 154-FZ-Assembly of Russian legislation, 2015, N
27, Text 3945).
14. Users stories, sources
credit stories and Other matches the c true Federal by law style="mso-spacerun:yes"> access to in
History, and to the subject of credit
stories, are required not to divult third parties information.
For disclosure of or illegal information
specified faces style="mso-spacerun:yes"> liability in order, of
Russian legislation Law
dated July 21, 2005 N 110-FZ-Legislative Assembly Russian
Federation, 2005, N 30, article 3121).
15. Giving the Credit Credit Report History
credit history user and other people who have
get credit report according to this Fed
Law, is not a violation of the service, bank, tax
or trade secrets.
Article 7. Storage and Information Security
1. stores credit
History within 10 years since of the last information changes
containing in credit History. A credit history is discarded
(excluding from style="mso-spacerun:yes"> stories, in
appropriate credit history bureau:
1) 10 years after the last change information,
contained in credit history
2) based on a court decision that has entered into force;
3) { \field 3
} style="mso-spacerun:yes">
true Federal Loan Application Law
if the result of such a statement is accepted
decision on full
credit history
(Part 1 Federal Law from 28 June g. N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395)
1-1. Central history directory
store information about style="mso-spacerun:yes"> history of stories
credit history of the credit of the story, to
receiving from the credit history
credit history of the subject's credit of the (part 1-1 entered
Federal By Law style="mso-spacerun:yes"> July 2005 N 110-FZ Collection
Russian legislation, 2005, N 30, article 3121).
1-2. In the case, part of 8 of Article 12 of this
Federal of the law, Central history directory
provides to store the credit historys passed to it Transfer
them in credit bureks, but not more than five years from the date of the transfers
stories.
corresponding credit stories are discarded (Part of 1-2
Federal By Law style="mso-spacerun:yes"> July 2005 N 110-FZ Collection
Russian legislation, 2005, N 30, article 3121).
2. Bureau of Credit Stories provides the protection of information
processing, storage and certified tools
protection according to Russian legislation.
3. Bureau of Credit History, its officers, users
credit stories, financial managers are responsible
Misdisclosure of and illegal usage of
information in order, provided by law Russian
Federations (to the red. Federal Law of June 29, 2015. N 154-FZ-
Assembly Legislation of the Russian Federation, 2015, N 27, st.
3945).
4. Collection of information, of the in article 4 of the present
Federal law, received by credit historys in Order,
Article 5 of this Federal Law, is
limited to a runnable object.
5. Giving information in order,
true federal law, is not on the service,
banking, tax, or trade secrets.
Article 8: Credit Actor History
1. Subject of the history of to the right to receive in Central
credit history information catalog in which credit bureau
stories keep its credit history.
2. Subject of credit history to the right in every credit office
stories where credit history is stored, once a year
free and any number of times for the payment without for the reason
get credit report on their credit history, including c
accumulated in matches Federal
sources of the the and
credit with credit
reports.
3. Subject of credit history to the right completely or in part
challenge the information contained in his credit history by filing in
Credit Stories Bureau, in which is stored specified by
History, Statement style="mso-spacerun:yes"> changes and (or) add-ons to this
credit history.
4. The Bureau of the stories within 30 days of receipt
statement specified in 3 of this Article, must,
exception cases, defined by this Federal Law,
perform extra check information, in in
credit history, requesting from credit source
History. In style="mso-spacerun:yes"> if has a style="mso-spacerun:yes"> in
statement o style="mso-spacerun:yes"> cause, in of which
circumstances causing harm to life or health, for
receipt of the corresponding information in a shorter time, bureau
credit historyreviews within a given period of time. On style="mso-spacerun:yes"> time
of such checking in credit does
corresponding check mark (in the red Federal Act of 28 June 2014
g. N 189-FZ-Collection of Laws of the Russian Federation, 2014,
N26, st. 3395).
4-1. The source of credit history is required for
14 days from receipt of credit history bureau request, and in the case
from of the cause
getting of this - - in duration,
specified credit history bureau, to submit in writing in
Credit history information, confidence confirmation
previously passed or credit request
report, disputed by the credit history subjects, or correct
his History in the contested parts,
corresponding authoritative or request to delete
invalid query in credit history bureau (part 4-1) entered
Federal Law of 28 June N 189-FZ - Meeting
Laws of the Russian Federation, 2014, No. 3395).
4-2. In , if style="mso-spacerun:yes"> office
credit stories Not received the request, style="mso-spacerun:yes"> in
part 4-1 of this article, from of the credit source
History in Link to Credit Story Subject changes
changes in his credit history, the source of the formation Credit
stories carry responsibility, set by
Russian Federation (Part 4-2 introduced by Federal Law from 28
June 2014 N 189-FZ - Law of the Russian
Federation, 2014, N 26, st. 3395).
5. The credit history updates to the story of the in
disputed of Part or invalidates history, if
subject's credit
received from of the source style="mso-spacerun:yes"> the history of in
compliance with Part 4-1 of this Article, has been decided o
full challenge of information, credit
history, if specified, or leaves
credit history without changes. results
specified Statement of the credit stories are required in writing
form to tell the subject of credit history after 30 days of
days receive. in to satisfy the specified declaration
must be reasoned (in the Federal Act of 28 June) style="mso-spacerun:yes"> June
2014 N 189-FZ-Legislative Assembly of the Russian Federation Federation,
2014, N 26, S 3395).
5-1. The credit has the right to direct to that bureau
credit stories, in the stores history
changes information, of the title part
credit history, with a copy document application,
change of the information, or to the credit bureau
stories with to the through Source
generate credit History. Copies of relevant documents
can be certified by the employer of the subject style="mso-spacerun:yes"> history
employee credit , through , it is served
statement. Also style="mso-spacerun:yes"> credit stories
direct in of the credit stories, by providing originals
or their copies, authenticated in matches
legislation Russian Federation. History Bureau
makes the appropriate in the title change in the credit
history of such subject of credit history with marking
volume, by information, of the received from the subject of credit history
passport, data of which in title part of credit
stories earlier, invalid. stories
about information changes, contained in the title part
credit of the subject of the credit stories, , and
invalidating tickets, which is included in the title
part of credit of the (Part 5-1 introduced by the Federal
of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
6. The Bureau of Credit History does not have to perform in the
testing previously challenged, but
credit history information
7. Subject of the history of to the right to appeal judicial
order Denial of Credit Stories for the Statement of the o
making changes and/or additions to credit history, a also
failure to provide a timeout in the current article written
the results of the review of his application.
Chapter 3: Bureau of Credit Stories
Article 9: Authority of Credit Stories
Credit History Bureau:
1) to contract based
credit reports in order, Fed
law;
2) provide on the treaty-based services that are related to
development based on style="mso-spacerun:yes"> credit
stories in this bureau Credit Stories, Estimated
(scoring) methodologies for calculation of individual ratings and (or)
using them;
3) create in the by law
Russian Federation, Associations (Unions) for Protection and Representation
interests of its members, coordination of their activities, satisfaction
scientific, information, and professional interests, solutions
other shared credit bureau tasks;
4) request information from State authorities,
Local government bodies, Bank of Russia, extrabudgetary funds
and other organizations to verify information, in the composition
credit stories in
Federal Law, , or for information
credit stories Federal Law of 28
June 2014 N The Russian law
Federation, 2014, N 26, st. 3395).
Article 10: Responsibilities of Credit Stories
1. The bureau of must provide information,
contained in the title parts of its credit histories
in Central the
two business days with style="mso-spacerun:yes"> formations
corresponding of credit or from the day of the change in
title of the credit with
Information of the bureau of credit stories in Central
catalog of credit stories of the credit of the history
received from of the source style="mso-spacerun:yes"> the history of the
Federal Law of 21 style="mso-spacerun:yes"> July 2005 N 110-FZ - Meeting
Russian legislation, 2005, N 30, article 3121)
1-1. { \cs6\f1\cf6\lang1024 } credit
stories no later than two working days since the cancellation day reported
about of this in Central stories (part of the style="mso-spacerun:yes"> 1-1
introduced by Federal Act of July 21, 2005 N 110-FZ- Collection
Russian legislation, 2005, N 30, article 3121).
1-2. Russia has the right to set the form and the order
information from the Central Directory of Credit Stories from
Bureau of Credit Stories (Part 1-2 introduced by Federal Law 21
July 2005 N 110-FEZ - The Russian law
Federation, 2005, N 30, article 3121).
1-3. credit stories must provide
free base style="mso-spacerun:yes"> history
ability to make changes to the
specified by article 4 of this Federal Act, style="mso-spacerun:yes"> in
entire credit history retention period in the credit history bureau.
termination of the on the Information
between by the style="mso-spacerun:yes"> the and office stories
credit history of changes to previously transmitted information box
in order, determined by the bureau of credit historys.1-3
Federal By Law style="mso-spacerun:yes"> June N 189-FZ Collection
Laws of the Russian Federation, 2014, No. 3395).
2. Bureau of Credit History for security
storage of credit stories must have a license for Implementation
technical protection activities for confidential information.
3. Credit history bureau is required to provide a credit report
any user of credit history on the
Provision of and of the query
relevant requirements, installed by
Federal Law
3-1. If , the credit history user is not
faces in relation to which the Bank of Russia is consistent with style="mso-spacerun:yes"> Federal
of July 2002 N 86-FZ " O Central bank
Russian Federation style="mso-spacerun:yes">
control(oversight), credit
User Credit History User Compliance Subjects of Credit stories style="mso-spacerun:yes"> in
procedure established by the Bank of Russia (Part 3-1 Federal
)of 28 June 2014 N 189-FZ-Legislative Assembly
Russian Federation, 2014, N 26, Art. 3395).
4. The bureau's credit must have one worker
days from of the matches with real
Federal by law (five workers days, if information
received on paper form) Include
in style="mso-spacerun:yes"> credit of the Subject
The credit history of the Federal Act of June 28, 2014. N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395).
Article 11. Liquidation and reorganization of credit bureks
stories
1. Elimination of and the reorg of the credit
executed in order, envisioned by
Russian Federation for Legal Persons, with
specified in this article.
2. Bureau of Credit Stories has the right to suspend
from sources style="mso-spacerun:yes">
provide credit reports in
liquidation or reorganization procedures. In this case, in
three business days from the date of the suspension decision
retrieving information from credit history sources and
(or) credit reports must notify the
sources for credit history providers
information, also style="mso-spacerun:yes"> for
inRussian periodic print and local
periodic print edition by of the
location to be closed(reorganized) credit history bureau.
Article 12: Transfering Information from a Disclosing
(organized, excluded from state
Credit Stories Bureau Registry
stories
1. In the case of reorganization of credit historys stored in
the credit history is passed to his successor, if the latter
is included in the public registry of the credit card style="mso-spacerun:yes"> stories
case bureau of credit history-the successor is obligated to 10
days from the day of receiving credit stories to notify of the
sources of the the credit of stories, and
place the appropriate in the [ [ Russian language]]
periodic print style="mso-spacerun:yes"> and local periodic print
by location of the credit ratings
History.
2. In the case of reorganizing the bureau of credit of stories, when
successor not enabled style="mso-spacerun:yes"> in the government registry of credit bures
stories, as well as in case of elimination or elimination in matches
with Part 10 of Article 15 of this Federal Law of the Credit Bureau
History from Public history registry
credit stories, stored in a dissolved or reorganized
Credit Story Bureau, is sold by selling with to
form of auction auction, exclusive right to participate in which
has credit History, included in state
registry of credit stories. of these trading
set by the Bank of Russia style="mso-spacerun:yes"> (ed.] of the Federal Act of 23
July 2013 N 251-FZ - The Russian law
Federation, 2013, N 30, st. 4084).
3. The { \b } decision is organizer
auctions:
1) in style="mso-spacerun:yes"> Credit Bureau Reorganize, when
successor is not included in public registry credit
stories, - by the history
trusted constituent documents on
aboutreorganizing the bureau of credit stories, at the same time
Credit Bureau Reorganization Decisions
2) in style="mso-spacerun:yes"> voluntary elimination of credit bureks-
{ \cs6\f1\cf6\lang1024
} style="mso-spacerun:yes"> credit stories, authoritative
constituent documents on a decision to eliminate the bureau
credit stories, concurrent with the adoption of the elimination
Credit Stories Bureau;
3) in style="mso-spacerun:yes"> stories
recognition of his insolvent (bankrupt) Control
within three working days with destination
court;
4) if credit history bureau is excluded c
part 10 of the of theFederal
Credit Stories BureauState Register -Bank of Russia by
expiration of two months after elimination from the specified registry office
credit stories, credit history to be implemented
(Ed. of the Federal Act of 23 July 2013) N 251-FZ-Assembly
Russian legislation, 2013, N 30, sect. 4084).
4. { } Organizer { \cs6\f1\cf6\lang1024 } { \lang1024 } style="mso-spacerun:yes"> daytime
of the Decision style="mso-spacerun:yes"> trading is required to notify
Bank of Russia about place, time, object of trading and about
initial selling price, place
in the style="mso-spacerun:yes"> periodic print
local periodic print location
dissolved (reorganized, of the excluded from
Public Registry of the Bureau style="mso-spacerun:yes"> credit stories) by the credit bureau
stories Federal Act of July 23, 2013 style="mso-spacerun:yes"> N 251-FZ-
Assembly Legislation of the Russian Federation, 2013, 30, st.
4084).
5. All History of (Reorganized,
excluded state registry history of credit
Credit stories style="mso-spacerun:yes"> [ } lot.
The starting sale price of the lot is determined by the organizer of the bidding.
6. Primary trades are recognized as failed if, in
bid less than two credit stories,
case, if none of the participants has offered a price,
initial. The declaration of the tenders
bid organizer rebid.
7. selling sales sales price style="mso-spacerun:yes"> lot
installs in the size of the 50 percent of from the start
selling prices of the primary auctions.
independent of the number of bureau credit historys in them. The winner of the second ( { \cs6\f1\cf6\lang1024 }
credit stories that offer the highest price at
bargaining unit lot
8. Duplicate trading is accepted as failed in the case, if
No credit bureau has participated in these trades.
re-bidding declaration failed credit historia
submitted by the organizer of the auction for storage in Central directory
credit stories in Order, by the Bank of Russia, for
further grant transfer to any bureau of credit historyin
competitive basis in order, established by the Bank of Russia. Period
storage in Central the directory of changes
add-ons in credit and information
contained within them is not provided unless
information is requested by the court (judge) or
civilian case, manufacturing
preliminary of the investigation on the criminal case,
in their production, with the consent of the
investigative of the body, , and Notary, due to necessity
checking members of the Property of
performing notarial actions on the issue of a right to
Thelegacy of the Federal Act of 28 June 2014. N 189-FZ
Law Assembly of the Russian Federation, 2014, N 26, Text
3395).
9. Passing Credit History
(reorganized, excluded from State Register of Bureaux
Credit Stories) Bureau of Credit stories winning or
resulting credit of the in the order, of part 8
real articles, of the Bureau of stories
and Organizer style="mso-spacerun:yes"> must be completed later 30
calendar days after last Bureau
credit stories, successful style="mso-spacerun:yees"> or credit
History in the order prescribed by Part 8 of this article is required
in 10 days from the credit history of credit history
notify the Bank of Russia and the sources of the transmission
credit stories, and Publish message
Transmit Credit Stories (Reorganized,
)excluded state registry history of credit
Credit stories in all-Russian print
edition and local print by location
disposed (reorganized, s
public registry of the credit Credit Bureau
stories Federal Act of July 23, 2013 style="mso-spacerun:yes"> N 251-FZ-
Russian Law Assembly, 2013, N st.
4084).
10. Sources stories, stories
information in style="mso-spacerun:yes"> (reorganized, excluded in
compliance with Part 10 of Article 15 of this Federal
of Bureau of Credit Stories State Register) Credit
stories in case, was enabled in
Public Registry credit of stories, in 30
calendar days with getting information about elimination
(Reorg, Exceptions in with Part 10 of Article 15
true Federal Law from public of the Bureau
credit stories) of the Bureau style="mso-spacerun:yes"> stories must begin
reporting, including all information for the period with the daytime
last transfer of information to the disposed (reorganized,
excluded in 15 of the present
Federal Law from public credit registry
History) of Credit Stories, to another Bureau of Credit Stories (in
The Federal Law of December 21, 2013 N 363-FZ-Assembly
legislation Russian The Federation, 2013, N 51, st. 6683;
Federal Law style="mso-spacerun:yes"> June N 189-FZ Collection
Laws of the Russian Federation, 2014, No. 3395).
11. The money of the implementation from credit
stories in order, this
destructible (reorganized, excluded from public Registry of Credit Stories) Bureau of Credit History. Chapter 4: Central Credit History Directory Article 13: Central Credit History Directory 1. The directory creates The Bank Russia. 2. The central directory of the credit stories is created in to
collection, storage of and stories
credit Credit Information
stories, in of which style="mso-spacerun:yes"> (which) stories
credit history subjects, , and implementation of temporary storage
databases liquidated (reorganized as well as excluded in
compliance with Part 10 of Article 15 of this Federal
of Bureau of Credit Stories State Register) Credit
History.
3. The history directory stores information,
constituent parts of credit stories, that lead bureau
credit stories in the Russian Federation, o
volume in which credit bureks store credit stories,
corresponding title parts, and codes Actors
credit stories or information, to determine
correct of the raised (entered, contained in the request)
credit history ID
4. Later two working days from the day that the message was received
Credit Stories for Credit History Cancellation principal
credit history in if by of the existing
Central of the credit stories, credit history,
corresponding of the title's title the credit history of this subject
credit history, is stored only in the [ [
which sent style="mso-spacerun:yes"> The message, Central directory
credit historyreverses the entire in the
data of the credit history. In the case, if the information is
the of the Central history directory, credit
stories, corresponding of the title of the credit history of this
subject of credit history, is also stored in other offices Credit
stories beyond the bureau of credit stories sent by
message, Central stories directory changes
information about which Credit Stories store credit
stories, relevant cover parts of the credit history style="mso-spacerun:yes">
credit history principal.
5. The directory of the stories
information about credit historys, in which theis stored
(loan history) credit history
history, of this subject credit (credit stories),
Credit histories (credit stories), notaries style="mso-spacerun:yes"> in
Links with style="mso-spacerun:yes"> composition implementation
hereditary property in notarized actions by by
Issuing Evidence About inheritance rights by form and in order,
, which are set by the Bank of Russia, on a grant basis (in ed.
Federal Law style="mso-spacerun:yes"> June N 189-FZ Collection
Laws of the Russian Federation, 2014, No. 3395).
6. credit ratings style="mso-spacerun:yes"> stories
provided to the credit entities and stories
credit stories, include information: full
Credit Bureau Name, Address (Location) bureau
credit histories, government registry number
History.
7. Subject of credit history (s), users
credit history (Credit and financial controls
forwards requests to style="mso-spacerun:yes"> information about the credit bureau
stories in which the credit card is stored history
(credit stories) of the actor style="mso-spacerun:yes"> credit History, Central
catalog of credit stories as an e-mail in order,
set by Bank of Russia. style="mso-spacerun:yes"> Requests must contain
information about the subject of the requested credit history from title
part of the history, as well as the credit history principal code.
Central Credit Directory style="mso-spacerun:yes"> stories
specified requests in (in
Federal Law of 29 June 2015 N 154-FZ - Meeting
Russian legislation, 2015, 3945).
8. The Bank of Russia sets the order of in Central
credit stories style="mso-spacerun:yes"> and from the Central Directory
credit stories by Actors style="mso-spacerun:yes"> credit stories, users
credit stories and financial managers specified in Part 7
true article of information in without
using the credit history principal code through the bureau Credit
stories, credit organization, microfinancial of the organization,
credit cooperatives, the compartment of the Postal and the notaries by
reconciling with by the organization's organs
governing their activities. The Bank Russia has the right to determine other
, through of which style="mso-spacerun:yes"> possible in Central
credit stories and receipt from the Central Directory of Credit
stories specified without Subject code
credit of history, style="mso-spacerun:yes"> also to set other modes of transmission
specified information without use of of the credit actor
History. Credit stories, credit organizations,
microfinance organization, Credit Cooperatives, branches
postal communications, notarial notary style="mso-spacerun:yes"> and other through whom you can
transfer to the Central Directory of Credit stories style="mso-spacerun:yes"> and from
Central of the The credit of the specified information without
using of the actor's code style="mso-spacerun:yes"> credit stories, to
Central Credit History Directory as E-mail
queries of credit entities style="mso-spacerun:yes"> and credit users
stories. The of this part is not
order to commit (in
Federal Law style="mso-spacerun:yes"> December N 363-FZ-Assembly
legislation Russian The Federation, 2013, N 51, st. 6683;
Federal Law style="mso-spacerun:yes"> June N 154th FZ - Collection
Russian legislation, 2015, 3945).
9. In Central style="mso-spacerun:yes"> credit
stories of a query, containing credit
history, excellent from information in the cover part
credit history, information appears to be central directory
credit stories with data identity, contained in
credit history title, , and the data specified in the request o
credit history principal:
1) legal person- identification number
tax payer and major state registration
number, in reorg of the legal
public registration number
legal person;
2) a physical person-last name, first name, middle name (if any) last
exists) and the identification number of the identity of the Physical
face
(Part 9 Federal Law from 28 June g. N
189-FZ -Collection of Russian legislation, 2014, N
26, Text 3395)
(Article 13 of the Federal Act of 21 July g. N
110-FZ -Collection of Russian legislation, 2005, N
30, article 3121)
Chapter 5: Control and oversight of activities
Credit History Bureau
(name in ed. The Federal Law of July 23, 2013.
251-FZ-Legislative Assembly of the Russian Federation, 2013, N 30, article 4084) Article 14. Control and supervision of bureau activities
credit stories (name in Federal Law of 23 July 2013 N
251-FZ-Legislative Assembly of the Russian Federation, 2013, N 30, article 4084) 1. Supervision of and supervision of credit history bureau activities
is implemented by the Bank of Russia in accordance with federal laws and in the order determined by the Bank of Russia (to the red. Federal Law
dated June 28, 2014 N 189-FZ-Legislative Assembly Russian
Federation, 2014, N 26, st. 3395). 2. The performs the (in the red Federal Law of 23 July 2013 N 251-FZ - Meeting Russian legislation, 2013, N 30, sect. 4084): 1) (Point 1) The style="mso-spacerun:yes"> was invalid under the Federal Act December 30, 2015 N 427-FZ-Legislative Assembly Russian
Federation, 2015, N, st. ) 2) sets Financial Situation and Business
reputation of credit history; 3) performs testing the stories
requirements of this Federal Law in order, defined
Bank Russia, in encounters
corresponding violations, and written
addresses of credit subjects stories, sources of
Credit Stories, of the this
is in the quality
credit stories of services, and confidence
information, compliance information participants
requirements Federal (in
Federal Law style="mso-spacerun:yes"> June N 189-FZ Collection
Laws of the Russian Federation, 2014, No. 3395);
4) wires audit of the event (s)
approved plan, and if written Access Method
stories of credit style="mso-spacerun:yes"> credit sources
History, Central Credit Directory, or Credit Bureau
stories, at by this control is quality
services provided by the credit history bureau (including precision
and confidence , members
information , of this
Federal Act of July 21, 2005 g.
N 110-FZ-Russian Federation Law Assembly, 2005, N
30, article 3121);
5) directs to Mandatory
execution of the elimination of the identified activities
violations;
6) of the Federal Act
23 July 2013 g. N 251-FZ-Legislative Assembly of Russian
Federation, 2013, N 30, st. 4084)
7) performs other features
Russian legislation.
3. Decisions of the Bank of of the Russian Federation can be appealed by the credit bureau.
stories in court (ed.) of the Federal Act of 23 June style="mso-spacerun:yes"> July
2013 N 251-FZ-Legislative Assembly of the Russian Federation Federation,
2013, N 30, article 4084).
Article 15. State Register of Credit Stories
1. The Bureau of Credit stories is considered to be the day of the
public registration in with by law
Russian Federation.
2. The legal person has the right to carry out activities in
Quality of Credit Bureau style="mso-spacerun:yes"> matches
Federal Only style="mso-spacerun:yes"> in
Credit Stories Bureau Registry.
3. Making a record of a legal person a public registry
Credit stories style="mso-spacerun:yes"> is carried out by the Bank of (in
Federal Law style="mso-spacerun:yes"> July 2013 N 251-FZ Collection
Russian legislation, 2013, N 30, sect. 4084).
4. No legal Russian Federation, for
exclude legal faces, matches
true Federal by law style="mso-spacerun:yes"> quality
credit stories of or associations (Unions) Bureau of Credit History,
cannot use in its name the word " credit ratings
stories or otherwise indicate that the legal
person is entitled to such an activity.
5. Making the bureau of credit historyin public
Registry of credit Bank stories Russia
grounds for credit bureks to which should be to be
is attached (to the red Federal Act of 23 July 2013 N 251-FZ-
Russian Law Assembly, 2013, N st.
4084):
1) originals or certified in notary Order
copies of constitutive documents;
2 About credit stories and their
alternates;
3) the original notary
copy of license to carry out technical work security
confidential information;
4) documents, protecting information in
Credit stories style="mso-spacerun:yes"> handling, storage and passing
certified tools
Russian legislation;
5 documents, The financial position and the business
reputation of the credit History. List of
documents set by the Bank of Russia in accordance with the present
Federal Law of 23 July 2013 g.N 251-FZ-Assembly of Russian legislation, 2013, N
30, article 4084).
5-1. In the case of if the document specified in paragraph 3 of Part 5
true article, not submitted by by the applicant, by of the Bank
Russia Federal The authority
licensing activity by technical information
restricted access, provides information about applicant's presence
implementation of the technical protection
limited access (part 5-1 introduced by Federal
Law of July 1, 2011 N 169-FZ - Law Collection
Russian Federation, 2011, N 27, , sect. 3880; in red. Federal
law of July 23, 2013 N 251-FZ - Law Collection
Russian Federation, 2013, N 30, est. 4084).
6. The [ [ Bank of Russia]] considers the legal of the [ [
record about credit bureks history in the state registry
credit history bureau at a time, not exceeding 15 working style="mso-spacerun:yes"> days
days of receipt of documents provided for in Part 5 of this Article
(Ed. of the Federal Act of 23 July 2013) N 251-FZ-Assembly
Russian legislation, 2013, N 30, sect. 4084).
7. Reason for refusal to write a legal person record
credit card bureau registry is:
1) presence of at the and
for style="mso-spacerun:yes"> crimes in
economics, with the exception of the documents referred to in paragraph 3. 5
true article of Federal Act of July 1, 2011 style="mso-spacerun:yes"> N
169-FZ -Collection of Russian legislation, 2011, N
27, Text 3880);
2) nonconformance to requirements, by the Bank of Russia to
financial position and business reputation of credit bureks
stories Federal Act of July 23, 2013 style="mso-spacerun:yes"> N 251-FZ-
Assembly Legislation of the Russian Federation, 2013, 30, st.
4084);
3) nonconformance documents, appended to the bureau's declaration
credit stories, Russian law requirements
;
4) failure to submit certain true Federal
documents, required for credit
stories to the government registry of credit history;
5) Actuality style="mso-spacerun:yes"> shares or the amount in
capital of Credit Stories exceeding 50%:
(a) one person;
6) face and face, which are affable to
;
in) by persons who are affiliated to the person, Not
participating credit history bureau;
6) Participation in Organizations
cumulative share of style="mso-spacerun:yes"> in states, bodies
state power, local Self-governance and (or)
Bank Russia is 100 percent, , and (or) Affiliated By
relation to them.
This constraint is not
credit.
8. The refusal to include in the state registry
Credit stories style="mso-spacerun:yes"> stories in
written form and should be motivated. Failure to include in
public registry of credit bureks, and also non-action
Bank of the Russian Federation within the set deadline solution can
must be appealed before the courts (in the Federal Act of the Federal Law) style="mso-spacerun:yes"> from
23 July 2013 g. N 251-FZ-Legislative Assembly of Russian
Federation, 2013, N 30, st. 4084).
9. The Bureau of Credit Stories is obliged to inform the Bank of Russia about
changes, contributed to Documents, in
thirty-day with registration of
changes in the installed order (rev. Federal Act of 23
July 2013 N 251-FZ - Law of the Russian
Federation, 2013, N 30, st. 4084).
10. On the basis of the relevant statement of the Bank of Russia Bureau
credit stories in case of repeated violation style="mso-spacerun:yes">
Federal The can be style="mso-spacerun:yes"> to be excluded by thecourt from
State Register of Credit Stories. Credit history,
stored in on the credit stories, excludedfrom
Public Registry credit of stories, in 10
working days from the Credit Exception Day from a specified
registry is passed to storage in Central
stories for style="mso-spacerun:yes">
Article 12 of this Federal (in the Federal
law of 23 July 2013 N 251-FZ-Legislative Assembly
Russian Federation, 2013, N 30, est. 4084).
11. Organizations, cumulative share in
state, of State authorities, local authorities
self-government and (or) The Bank of Russia is 100%, and
(or) individuals affiliated to them are not entitled take part
in the Capital of Credit Stories.
This constraint is not
credit.
12. Percentage or amount of capital of the history of the history
Accordingly one of the person style="mso-spacerun:yes"> or faces
Affiliated to style="mso-spacerun:yes"> , , or
Affiliated to style="mso-spacerun:yes"> to a person, not participating in the capital
credit history bureau should not exceed 50 percent.
Article 16. Accountability of credit bureks
1. Bureau of Credit History is responsible according to
with Russian legislation.
2. Non-execution of the credit bureks of of the provisions of this
Federal Law and Bank Russia can be
for presentation of the Bank of Order
requirements to exclude credit histories from state
Registry of Credit Stories (in the Federal Law of the Federal Law) style="mso-spacerun:yes">
July 2013 N 251-FZ - Law of the Russian
Federation, 2013, N 30, st. 4084).
Article 17. Compliance with business, service, banking,
tax secrecy by Bank of Russia officials
(name in Federal Law of 23 July 2013 N
251-FZ-Legislative Assembly of the Russian Federation, 2013, N 30, article 4084) Bank of Russia officials are not to the right use otherwise
than in goals, Federal Law, and
divuldiate in of any form of information, content
commercial, official, banking, tax mystery of credit bureks
stories, sources the credit of stories, subjects
credit stories and stories (in
Federal Law of 23 July 2013 N 251-FZ - Meeting
Russian legislation, 2013, N 30, sect. 4084).
Chapter 6: Transitional Provisions
Article 18. Credit history order
Information on Loan Contracts (Credit)
effective on the day of the present
Federal Law
1. Credit organizations, operations per day
coming into force of this Federal Law, required for
nine months with the entry into force of this Federal
law to align its activities with requirements
to credit organizations-sources of information
Credit Stories by this Federal Law.
2. stories
represent in the bureau of credit in in order, installed
true Federal Law, article
4 of this Federal law, on the (credit)
prisoners to of the Federal
law, at for the existence of the (s)
corresponding Subject of the credit Transmit history
information.
Article 19. Features of the Bureau's performance
credit stories per day
of the entry into force of this Federal Law
Legal entity, carrying out activities as bureau
credit stories before the day of entry into force Federal
law, must within six months from the date of the
true Federal law give its activity in
match with requirements, credit
stories of this Federal law. In
request of this article specified person
responsibility in conformance with with Russian
Federation.
Chapter 7: Final provisions
Article 20. Entry into force of this Federal Law
1. This Federal Law takes effect from 1 June 2005
, for except 3 5 of this Federal
law
2. Part 3 of Article 5 of this Federal Law comes into effect
effective September 1, 2005
Moscow, Kremlin
30 December 2004
N 218-FZ
