The Housing Savings Cooperatives

Original Language Title: О жилищных накопительных кооперативах

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RUSSIAN FEDERATION FEDERAL LAW on housing savings cooperatives adopted by the State Duma December 22, 2004 the year approved by the Federation Council December 24, 2004 year (as amended by the federal laws from 16.10.2006 N 160-FZ;
from 23.07.2008 N 160-FZ; from 30/11/2011 N 362-FZ;
from arrival N 251-FZ; from 13.07.2015 N 231-FZ), Chapter 1. General provisions Article 1. Relations regulated by the present Federal Law 1. This federal law defines legal, economic and organizational bases for the activities of housing cooperatives to attract savings and use of funds of citizens-their members for the acquisition or construction of residential premises in the territory of the Russian Federation in order to transfer them into use and after making contributions in full ownership of members of housing cooperatives, savings and also establishes safeguards for the protection of the rights and legitimate interests of citizens-members of housing savings cooperatives.
2. this federal law establishes the legal position of housing savings cooperatives, rights and duties of their members, the procedure for the establishment, reorganization and liquidation of housing savings cooperatives, as well as the procedure for their implementation of activities to attract and use of funds of citizens to purchase residential properties.
3. The participation of citizens in shaping property of legal persons, including in the formation of their statutory (skladochnyh) capital or mutual funds by contributing money or other property, which entails the adoption of these legal entities purchase obligations of citizens ' right of ownership to the accommodation, you may, if such participation is provided for by federal laws.
Article 2. The basic concepts used in the present Federal law for the purposes of this federal law uses the following concepts: 1) housing savings cooperative (hereinafter also referred to as-the co-op)-consumer cooperative, created as a voluntary association of citizens on the basis of membership in order to meet the needs of cooperative members in residential areas by combining members of the cooperative share contributions;
2) cooperative activities and use of funds attraction of citizens to purchase premises (hereinafter also referred to as the activity of the cooperative)-attract and use cooperative funds of citizens-members of the cooperative and other attracted funds cooperative on the acquisition or construction of dwellings (including apartment buildings) in order to transfer them into use and after making contributions at the full rate for the property of the members of the cooperative;
3) accommodation-apartment or apartment house, meet the requirements laid down in the housing legislation of the Russian Federation;
4) shareholding funds, made a member of the cooperative, in the manner and within the time limits specified in the form of participation of the members of the cooperative in cooperative activities to attract and use of funds of citizens to purchase residential properties, and the amount of which shall be determined in accordance with the provisions of this federal law. The composition of the shareholding may include revenues derived from the cooperative entrepreneurship and distributed among the members in proportion to their shares;
5) entrance member fee ö cash lump sum made by citizen for educational expenses of the cooperative and receive citizen members of the cooperative;
6) membership fee funds periodically made a member of the cooperative to cover costs associated with the implementation of the cooperative under its statute activity, except for the activities of the cooperative to attract and use of funds of citizens to the acquisition of accommodation;
7) entry fee-money made by a member of a cooperative to cover losses of the cooperative;
8) share accumulation-part of shareholding by a member of a cooperative at a particular date;
9) Pai-share Member paenakoplenija co-op in co-op Fund Unit;
10) mutual fund cooperative-the sum of the paenakoplenij members of the cooperative;
11) the fair value of the share-part of the cooperative's net asset value, proportionate to the size of the share;
12) form of participation in the cooperative activities of the cooperative members to attract and use of funds of citizens to purchase premises (hereinafter referred to as the form of participation in the activities of the cooperative)-procedure for the members of the cooperative share of contributions to the Fund in the cooperative to be installed in accordance with the requirements of this federal law options to select one of them members of the cooperative.
Article 3. Basic provisions on the housing savings cooperatives 1. Except for the activities provided for in this federal law, other housing savings cooperative exercise may not.

2. name of housing savings cooperative must contain the words "housing savings cooperative". Legal persons that do not meet the requirements of this federal law, shall not have the right to use the word in their names "housing savings cooperative".
3. The co-op owns separate property accounted on its independent balance, on its own behalf may acquire and exercise property and personal non-property rights, bear responsibilities, act as a plaintiff and defendant in court. The property of the cooperative is formed by mutual and other contributions of the members of the cooperative, the income obtained from the cooperative business activities, which serve the purposes for which the cooperative is created and meets those objectives, donations and other sources not prohibited by the law.
4. Cooperative is considered to be established as a legal entity from the date of making the appropriate entry in the unified State Register of legal entities. The co-op is created without restriction of activities, unless otherwise stipulated by its Charter.
5. the relationship between the cooperative and its members arise on the basis of membership in the cooperative in accordance with the requirements of the Civil Code of the Russian Federation, this federal law adopted in accordance with the normative legal acts of the Russian Federation, normative acts of the Central Bank of the Russian Federation (hereinafter-the Bank of Russia), the Charter of the cooperative, as well as in accordance with the decisions taken by the bodies of the cooperative within the limits of their competence. (As amended by federal law from day of arrival N 251-FZ)
6. Cooperative cannot consist in contractual relations with the members of the cooperative, which resulted in the set, change or terminate civil rights and responsibilities related to the implementation of cooperative activities to attract and use of funds of citizens to purchase residential properties.
7. The co-op in the prescribed manner shall have the right to open accounts in banks located on the territory of the Russian Federation.
8. The co-op must have a round seal with its full name in Russian and an indication of the location of the cooperative. Print Coop can also contain its brand name in any language of the peoples of the Russian Federation and (or) foreign language. The co-op is entitled to have stamps and forms with its name, emblem and other means of individualization.
9. The co-op must provide the possibility to provide electronic documents to the Bank of Russia, as well as the possibility of obtaining from the Bank of Russia of electronic documents in the manner prescribed by the Bank of Russia. (Part is supplemented by federal law from 13.07.2015 N 231-FZ), Article 4. Responsibility of the cooperative 1. The cooperative is liable for its obligations with all property belonging to him.
2. Cooperative is not liable for the obligations of its members.
Article 5. Members of the cooperative 1. A member of the cooperative may be citizen who has reached the age of sixteen. Welcome citizen members of the cooperative is carried out on the basis of its application in writing in the manner prescribed by this federal law and the Charter of the cooperative.
2. Cooperative is obliged to keep a register of the members of the cooperative, which should contain the following information: 1) the surname, forename and patronymic of a member of the cooperative;
2) passport or other identity document cooperative members;
3) postal address, telephone numbers, e-mail address of the Member of the cooperative;
4) form of participation in the activities of the cooperative;
5) other statutory information cooperative.
3. a member of the cooperative is obliged to inform the executive body of a cooperative information provided by paragraph 2 of this article. In the event of failure by a member of a cooperative information about changes to the specified information co-op is not responsible for any damages in connection with this.
4. the number of members of the cooperative may not be less than fifty persons and more than five thousand people, if this federal law provides otherwise.
5. membership in the co-op raised after making appropriate information about citizen background statement for membership in the cooperative, in the unified State Register of legal persons, in the manner prescribed by this federal law and the Federal law of August 8, 2001 N 129-ФЗ "about the State registration of legal entities and individual entrepreneurs" (hereinafter referred to as the Federal law "on State registration of legal entities and individual entrepreneurs"), from the day of making citizen entrance membership fee and first payment through shareholding.
6. Reason for making information about the citizen, overseeing application for membership of the cooperative, in the unified State Register of legal entities is the decision of an authorized the Charter of the cooperative body of the cooperative.

7. The Federal Executive authority authorized the implementation of State registration of legal entities within one working day after day that it knows about the citizen, overseeing application for membership of the cooperative, in the unified State Register of legal persons ' co-operative produces proof of entering information about them in the uniform State Register of legal entities. The form and content of such a document shall be established by the Government of the Russian Federation authorized federal body of executive power. (As amended by federal law from 23.07.2008 N 160-FZ)
8. Co-op on demand of the citizen, applied for membership in the cooperative, must give him a copy under paragraph 7 of this article, document, stamped the cooperative and signed by an authorized officer of the cooperative.
9. any citizen applying for membership in the cooperative, entrance membership fee and the first payment on account of the share premium is after making it into the unified State Register of legal entities.
10. in case the citizen entrance membership fee or a first payment through shareholding within three months from the date of making the relevant information in the unified State Register of legal entities the sole executive body of a cooperative must send to the federal body of executive power, the Commissioner on the implementation of the State registration of legal entities, the statement of revocation information about citizen background statement for membership in the cooperative in the unified State Register of legal entities. This statement shall be sent to the cooperative the sole executive authority within three working days after the end of the specified term. The Federal Executive authority authorized the implementation of State registration of legal persons, is reported by the annulment of the relevant information in the unified State Register of legal entities and cooperative submitting a statement for membership in the cooperative citizen within one working day after the day of cancellation.
Article 6. Responsibility of members of the cooperative 1. A member of a cooperative shall be liable for its obligations to the cooperative on the grounds and in the manner prescribed by this federal law and other federal laws.
2. Cooperative members bear the risk of losses associated with operations of the cooperative, within their paenakoplenij.
3. Cooperative members are accountable to the cooperative for violating obligations to make mutual and other contributions. The size of the penalty for breaches of obligations to make these contributions shall be determined by the Charter of the cooperative and may not exceed one three-hundredth the current on the day of payment of forfeit of the refinancing rate of the Central Bank of the Russian Federation for each day of default contributions. Penalty for breach of obligations to make mutual and other contributions is calculated from the day following the date established for the payment of contributions, on the day of submission of these contributions by the members of the cooperative, unless a different procedure for calculation of the penalty is not set by the Charter of the cooperative.
Article 7. The right of members of the cooperative 1. Cooperative members have the right: 1) to participate in the management of the cooperative and be elected to organs;
2) enjoy all the services offered by the cooperative;
3) choose the form of participation in the activities of the cooperative;
4) consent to the acquisition or construction of cooperative dwelling in accordance with the requirements specified in the statement of a member of the cooperative, and in view of their chosen form of participation in the activities of the cooperative;
5) get from the cooperative to use residential premises in accordance with the procedure stipulated by this federal law;
6) enjoy the benefits provided to members of the cooperative the cooperative Charter and decisions of the bodies of the cooperative, accepted within their competence;
7) to participate in the distribution of income obtained from the cooperative in accordance with this federal law, entrepreneurship in the manner prescribed by this federal law;
8) receive from the cooperative bodies, information on the activities of the cooperative in the manner and to the extent prescribed by this federal law and the Charter of the cooperative;
9) transmit Pai another cooperative member or third party, that the cooperative could not be denied membership in the cooperative;
10) bequeath Pai;
11) get with the termination of its membership in the co-op real asset value, determined in accordance with this federal law;
12) appeal from the judicial review of the decision of the general meeting of members of the cooperative and the Board of the cooperative;
13) get accommodation in the property in the manner prescribed by this federal law;
14) acquire other rights stipulated by this federal law, other federal laws and the Charter of the cooperative.

2. a member of the cooperative is entitled to bring a claim to the cooperative concerning the quality of residential premises, passed into use and after making the full amount of the shareholding in the property member of the cooperative, as well as the quality of performed works and rendered through mutual and other contributions of services. This requirement is subject to the execution of the cooperative in the manner prescribed by the Charter of the cooperative.
Article 8. Duties of the members of the cooperative members are obliged to: 1) abide by the Charter of the cooperative, to implement the decisions adopted by the organs of the cooperative within the limits of their competence, duties and responsibilities stipulated by this federal law, other federal laws and the Charter of the cooperative;
2) timely make mutual and other contributions in the manner provided for in the Charter of the cooperative and the decisions taken by the Board of the cooperative within its competence;
3) not to interfere with the enjoyment of the rights and duties as other members of the cooperative and cooperative bodies;
4) perform other duties stipulated by this federal law, other federal laws and the Charter of the cooperative.
Article 9. Termination of membership in the cooperative 1. Membership in the co-op is ceased in case of: 1) voluntary withdrawal from the cooperative;
2) exceptions from cooperative members of the cooperative;
3) transmission unit to another Member or a third person;
4) the death of a member of the cooperative, declaring it dead in accordance with the procedure established by federal law;
5) foreclosure on Pai;
6) making a member of a cooperative shareholding in full and transfer the relevant residential property member of the cooperative, if a member of the cooperative has no other paenakoplenij and not otherwise provided for in the Charter of the cooperative;
7) liquidation of a cooperative, including in connection with his bankruptcy.
2. Termination of membership in the co-op does not relieve the Member of the cooperative from arose prior to filing an application for withdrawal from the cooperative duties in solicit contributions, except for the shareholding.
3. Upon termination of membership in the cooperative on the basis specified in paragraph 4 of part 1 of this article, the heir of a deceased member of the cooperative has the right to be admitted to membership in the cooperative. If Pai deceased member of the cooperative moved to several heirs, the heir who has the right to be admitted to membership of the cooperative, shall be determined by agreement between the heirs or a court decision. If none of the heirs did not avail himself of the right to be admitted to membership of a cooperative, the cooperative shall pay the heirs due to them in accordance with hereditary shares in the proportion of the actual value of the unit in the manner and within the period prescribed in article 32 of this federal law and the Charter of the cooperative. Heir, not turned member of the cooperative is entitled to receive from the heir, became a member of the cooperative, commensurate with its hereditary share compensation proportion of the actual value of the unit, including the payment of the relevant amount of money. The deadline for the payment of compensation shall be determined by agreement between the heirs or, in the absence of such agreement, by the Court, but may not exceed one year from the date of opening of the succession.
4. Upon termination of the membership in the co-op on the grounds provided for in paragraphs 1 and 2 of part 1 of this article, a member of the cooperative may be eliminated to get the actual value of the unit in the manner and within the period prescribed by this federal law and (or) the Charter of the cooperative.
5. membership in the cooperative shall cease as of the date of making the appropriate entry in the unified State Register of legal entities in accordance with the procedure stipulated by this federal law and the Federal law "on State registration of legal entities and individual entrepreneurs". The reason for making the appropriate entry in the unified State Register of legal entities is the decision of an authorized the Charter of the cooperative body of the cooperative and, in the case of exceptions member co-op from co-op or foreclosing on Pai-cooperative members of court.
Article 10. Exclusion of a member of the cooperative from the co-op 1. A member of the cooperative may be excluded in the justiciability of the cooperative on the basis of the decision of the general meeting of members of the cooperative in the case: 1) repeated failure to perform duties prescribed by this federal law and (or) the Charter of the cooperative, or the inability to implement the cooperative or significant difficulties in its implementation as a result of the actions (inaction) of a member of the cooperative;
2) systematic violation of order making unit and other contributions. Under the systematic violation of the order making unit and other contributions recognized the violation of the terms of payment of contributions or their underpaid more than three times within twelve months, even if each failure or the size of each underpayment is minor or one-time delay making unit and other contributions for more than three months.

2. The co-op, whose membership exceeds 200 persons, the Charter of the cooperative may provide that a decision to exclude a member of the cooperative from the co-op, except a member of the Board of the cooperative, on the grounds mentioned in paragraph 1 of this article may be adopted by the Board of the cooperative.
3. In the event of exclusion from the cooperative members of the cooperative, which the co-op donated the use of the premises, the Member of the cooperative until the entry into force of the Court decision on his expulsion shall be entitled to make the remainder of their shareholding.
Article 11. The Charter of the cooperative 1. Co-op operates on the basis of the Charter, which was approved by the General Assembly of the members of the cooperative. Changes in the Charter of the cooperative shall be amended by decision of the general meeting of members of the cooperative.
2. the Charter of the cooperative must include: 1) the name of the cooperative and its location;
2) subject and objectives of the cooperative;
3) procedure for membership in the cooperative and the termination of membership in the cooperative, including the exclusion of a member of the cooperative of the cooperative;
4) procedure for determining the size, composition and making mutual and other contributions;
5) liability for violation of obligations of members of the cooperative to amend the mutual and other stipulated by this federal law and the Charter of the cooperative contributions;
6) order payment of the fair value of the share cooperative member upon termination of membership in the cooperative;
7) the rights and obligations of the members of the cooperative;
8) rights and obligations of the cooperative to its members;
9) the structure and competence of the bodies of the cooperative, the order of their creation, decision-making rules, including issues on which decisions are taken unanimously or by a qualified majority;
10) sources of formation and use of the property of the cooperative;
11) funds generated by the cooperative;
12) defraying expenses incurred by members of the cooperative the cooperative;
13) the procedure for providing information to members of cooperative bodies, cooperative and responsible for its failure;
14) procedure for conducting regular and extraordinary external audits of the financial activities of the cooperative;
15) information about branches and representative offices of the cooperative;
16) procedure for reorganization and liquidation of the cooperative;
17) other provisions stipulated by this federal law.
3. The Charter of the cooperative may also provide for other not contradicting to the legislation of the Russian Federation of the provisions governing the creation and activities of the cooperative and its organs, including limiting participation of close relatives in the work of the cooperative.
Chapter 2. Creation, reorganization and liquidation of a cooperative Article 12. Creating Cooperative Co-op is created upon an initiative of not less than fifty persons and not more than five thousand people. State registration of the cooperative shall be as defined by the Federal law "on State registration of legal entities and individual entrepreneurs".
Article 13. Reorganization of the cooperative 1. The co-op may be voluntarily or forcibly reorganized in accordance with the procedure stipulated by this federal law. Reorganization of the cooperative may be effected in the form of merger, accession, Division, allocation or transformations.
2. Housing accumulative co-op can be converted only housing co-op, housing cooperative or homeowners association. The housing savings cooperative can be converted into a legal entity a legal form only in cases provided for by federal laws.
3. voluntary reorganization of the cooperative is carried out in accordance with the decision of the general meeting of the cooperative members in the manner prescribed by the Civil Code of the Russian Federation, this federal law and other federal laws.
4. If the number of members of the cooperative will exceed the limit established by this federal law, shall be subject to forced the reorganization of the cooperative in the form of on-demand allocation or Division of a federal body of executive power, authorized for implementation of the State registration of legal persons, or of the Bank of Russia. Bank of Russia to suspend the activity of the cooperative to raise funds for new members of the cooperative and the use of these funds during the forced reorganization. (As amended by federal law from day of arrival N 251-FZ)
5. In case of reorganization of the cooperative's rights and responsibilities are transferred to the legal successor of such cooperative in accordance with the transfer Act or separation balance sheet, which should contain provisions on legal succession for all obligations of the reorganized in respect of all its creditors and debtors. If the Division balance sheet cooperative not to determine his successor, the newly arising legal persons are jointly and severally liable for all obligations of the reorganized the cooperative before its creditors.

6. The transfer Act or separation balance sheet approved by the General Assembly of the cooperative the cooperative members and submitted together with the founding documents for the State registration of the newly arising legal persons or of amending the Charter of the cooperative.
7. a member of the reorganized the cooperative becomes a member of one of the emerging cooperatives in the manner prescribed by the decision on reorganization of the cooperative, adopted by the general meeting of members of the cooperative and, in the case of separation or discharge of the cooperative by decision of the Court in accordance with its decision.
8. not later than thirty days from the date of adoption of the decision on reorganization of the cooperative in the form of separation, selection or transformation and reorganization of the cooperative in the form of a merger or of accession not later than thirty days from the date of the decision of the last of the cooperatives involved in the merger or accession, co-op is obliged to notify in writing of the creditors of the cooperative and to publish in a periodical where published data on State registration of legal entities, the communication of the decision. In doing so, creditors of the cooperative within thirty days from the date of notification or from the date of publication of the communication of the decision in writing shall have the right to demand early termination or fulfillment of the respective cooperative obligations and compensation for damages.
9. Co-op is considered reorganized from the date of State registration of the newly arising, except in cases of reorganization in the form of merger. In the reorganization of the cooperative in the form of accession by other cooperative first of them is considered reorganized from the day of entering into the unified State registry of legal persons of record about the termination of activities is attached.
10. State registration created as a result of the restructuring of cooperatives and entering into the unified State Register of legal entities of records regarding the termination of activities of the restructured cooperatives are made only on the basis of evidence of notification of creditors in the manner prescribed by part 8 of this article. State registration created as a result of the restructuring of cooperatives and entering into the unified State Register of legal entities of records regarding the termination of activities of the restructured cooperatives are carried out in the manner prescribed by the Federal law "on State registration of legal entities and individual entrepreneurs".
Article 14. Liquidation of the cooperative 1. Co-op can be liquidated voluntarily or by a court decision in the manner prescribed by the Civil Code of the Russian Federation, taking into account the requirements of this federal law and other federal laws and the Charter of the cooperative. Liquidation of the cooperative shall entail the termination of its activities without transfer of rights and obligations of the cooperative in succession to others.
2. cooperative Body, competent to take decisions on its voluntary liquidation and appointment of a liquidation Commission, is the general meeting of members of the cooperative.
3. the Bank shall have the right to make Russia the Court requirement for liquidation of the cooperative in the case of repeated or gross violation of the provisions of this federal law, as well as in other cases stipulated by this federal law. (As amended by federal law from day of arrival N 251-FZ)
4. Since the appointment of a liquidation Commission assumes all powers to manage the Affairs of the cooperative. The liquidation Commission on behalf of the liquidated co-operative acts in court.
5. a member of the cooperative, which the co-op provided in the use of residential premises, pending approval of intermediate liquidation balance sheet shall have the right to make the remainder of their shareholding.
6. In case of liquidation of the cooperative held a mandatory assessment of property (movable and immovable property rights claims, debts) of the liquidated co-operative, in accordance with the legislation of the Russian Federation governing the assessment activities. Holding specified assessment must precede approval of intermediate liquidation balance. The liquidation Commission shall on demand of the members of the cooperative shall provide them for consultation report on the evaluation of the property of the liquidated co-operative.
7. The intermediate liquidation balance sheet and the final liquidation balance sheet approved by the general meeting of members of the cooperative, in agreement with the Bank of Russia. (As amended by federal law from day of arrival N 251-FZ)
8. cooperative Property remaining after satisfaction of the claims of creditors shall be distributed among the members in proportion to their shares.
Article 15. Housing savings cooperatives register 1. Bank of Russia carries out handling registry of housing accumulative cooperatives on the basis of the information provided by the Federal Executive Body, authorized to perform State registration of legal entities and cooperatives. (As amended by federal law from day of arrival N 251-FZ)
2. accumulative housing cooperatives in the registry contains the following information:

1) full and (if available) the abbreviated name of the cooperative;
2) location and the address of the Permanent Executive Body of the cooperative at which the communication occurs with the cooperative;
3) information about the members of the cooperative;
4) name, surname and position held by, the person empowered to act without power of attorney on behalf of the cooperative, as well as passport data of such person or any other data of his/her identity document in accordance with the legislation of the Russian Federation, the taxpayer's identification number (if any);
5) information about branches and representative offices of the cooperative;
6) information about cessation of activity of the cooperative, including how the cessation of its activities;
7) information about the persons who are the sole executive body of a cooperative, the cooperative Board members and members of the collegial executive body of the cooperative, as well as information about removing such persons from the occupied posts together with the reasons for the suspension.
3. federal body of executive power, the Commissioner on the implementation of the State registration of legal entities, not later than five working days from the date of State registration of the cooperative and (or) incorporation in the unified State Register of legal entities changes concerning the information on the co-operative Bank of Russia presents in the information referred to in paragraphs 1-6 of part 2 of this article. (As amended by federal law from day of arrival N 251-FZ)
4. Cooperative within a period not later than five working days from the date of adoption of the relevant decisions to the Bank of Russia information on the persons elected or appointed at the sole executive body of a cooperative, the cooperative Board members or members of the collegial executive body of the cooperative, as well as information about removing such persons from the occupied posts together with the reasons for the suspension. (As amended by federal law from day of arrival N 251-FZ)
5. conduct of housing savings cooperatives registry is established by the Bank of Russia. (As amended by federal law from day of arrival N 251-FZ), Chapter 3. The basic provisions on the activities of cooperative engagement and the use of funds of citizens to purchase dwellings Article 16. The main features of cooperative engagement and the use of funds of citizens to purchase premises 1. Activities to attract and use of funds of citizens to acquire premises cooperative has the right to: 1) attract and use of funds of citizens for the acquisition of dwellings;
2) invest its funds in the construction of dwellings (including apartment buildings), as well as to participate in the construction of residential premises as a developer or a participant shared construction;
3) to acquire accommodation;
4) involve borrowed money in the case provided for in part 3 of article 47 of the Federal law.
2. Cooperative except specified in part 1 of this article, the activity may provide its members with legal advice and assistance, as well as other relevant cooperative activities and objectives are not contrary to the legislation of the Russian Federation Services.
3. the relations which are not connected with membership of citizens in co-op and arise from the retaliation of civil law contracts concluded with the members of the cooperative, the rules established by the legislation on protection of consumers ' rights.
4. gains derived by a cooperative of them in accordance with this federal law, entrepreneurial activity, are directed to the Reserve Fund of the cooperative and when it reaches the specified size of the Fund, established by the Charter of the cooperative shall be distributed among the members in proportion to their shares by entering the relevant amounts in the account contributions.
5. operations for calculations related to cooperative engagement and the use of funds of citizens for the acquisition of dwellings, the cooperative offers a separate bank account. To the specified bank account credited the funds referred to in article 23 of this federal law, as well as income received from cooperative role in activities it carries out in accordance with this federal law business. Cancellation or cash from the specified bank account is allowed only for purposes related to the implementation of cooperative activities to attract and use of funds of citizens to the acquisition of accommodation, including for the payment of the actual value of the share of the outgoing member of the cooperative.
6. Maintenance and repair of the cooperative-owned premises are carried out in accordance with the procedure stipulated by this federal law, as well as housing legislation of the Russian Federation.
Article 17. Provision of information on the activities of the cooperative the cooperative to attract and use of funds of citizens to purchase residential properties

1. The co-op must provide free access to the following information: 1) information about installed the Charter of the cooperative and (or) the decisions of the general meeting of the members of the cooperative forms of participation in the cooperative activity, as well as conclusion of an SRO housing savings cooperatives on the modalities for the participation in the event of such opinions;
2) information about how to determine the value of residential properties purchased or constructed by the cooperative;
3) approved by the general meeting of members of the cooperative in accordance with this federal law, the cooperative's annual reports for the last three fiscal years, or, if the cooperative operates less than three years, for each fiscal year after its completion;
4) information on the costs of the cooperative to manage its activities and its maintenance during the last calendar year;
5) different information bodies of the cooperative solutions installed.
2. Cooperative is obliged to ensure free access of members of the cooperative to the dissemination of information: 1) on the number of members of the cooperative;
2) on the total amount of mutual fund cooperative;
3) on the total amount of debt owed to the cooperative members of the cooperative;
4) loan servicing costs, damages to the creditors of the cooperative, the total disbursements to individuals made up with the cooperative labour relations;
5) with other established bodies of the cooperative solutions information.
3. The cooperative shall provide cooperative member information: 1) about the size of a paenakoplenija of this member of the cooperative;
2) on the order and on the planned timetable for the acquisition or construction of residential premises cooperative for this member of the cooperative;
3) other relevant cooperative member information that cooperative member decisions of organs of the cooperative.
Article 18. Cooperative provision of documents to the members of the cooperative, the cooperative must provide free access to cooperative members to familiarize with the following documents: 1) the Charter of the cooperative, introduced to the Charter of the cooperative and duly registered changes and additions, the document of State registration of the cooperative;
2) internal documents of the cooperative;
3) provisions on branches and representative offices of the cooperative;
4) the register of members of the cooperative;
5) financial statements of the cooperative;
6) revenue and expense estimates, cost estimates for the maintenance of cooperative and performance reports;
7) auditor's opinion on the reliability of the financial statements of the cooperative on the results of the financial year;
8) documents confirming the right of a cooperative property, recorded on its balance sheet, as well as information about the value of real estate owned by the cooperative;
9) protocols of general meetings of the members of the cooperative, Board meetings and Audit Committee of the cooperative;
10) documents confirming the outcome of the vote, including ballots, and the power of attorney to participate in the general meeting of the members of the cooperative, or copies of such powers of Attorney;
11) opinion of the internal audit Commission (internal auditor) of the cooperative;
12) other documents stipulated by this federal law, the Charter of the cooperative, the cooperative's internal documents, the decisions of the general meeting of the members of the cooperative.
Article 19. The procedure for providing cooperative information and documents 1. The information and documents referred to in articles 17 and 18 of this federal law shall be provided from the date of presentation of the respective cooperative requirements for: 1) seven days-the information required by part 1 of article 17 hereof;
2) one business day-information provided for parts 2 and 3 of article 17 hereof;
3) seven days-the documents referred to in article 18 hereof.
2. The information and documents referred to in paragraphs 2 and 3 of article 17 and article 18 hereof are provided to familiarize individuals with the right to become acquainted with the specified information and documents, in the premises of the Board or of the executive body. The cooperative at the request of persons who have the right to become acquainted with the specified in article 18 hereof documents must provide copies of these documents, certified by an authorized officer of the cooperative. The fee charged by the cooperative for provision of such copies may not exceed the costs of their production.
Article 20. The cooperative annual report 1. The cooperative annual report must contain: 1) information about the co-op, including its name, location, information on State registration of a cooperative, the cooperative's branches and representative offices, contact numbers, fax numbers, e-mail addresses, address the special website for information and telecommunications network (hereinafter referred to as the information network) where disclosure of the cooperative;

2) information about individuals who are members of the bodies of the cooperative, give details of bank accounts, the audit Organization (Auditor), and membership in an SRO housing savings cooperatives information about such an organization;
3) brief information about the amount, the timing, the manner and the conditions for the implementation of cooperative activities to attract and use of funds of citizens to the acquisition of accommodation;
4) basic information on the financial and economic condition of the cooperative for the last three fiscal years, or, if the cooperative operates less than three years, for each fiscal year after its completion, including information on the implementation of the cooperative assessment regulations the financial sustainability of its activities;
5) annual accounting (financial) statements of the cooperative for the last three fiscal years, or, if the cooperative operates less than three years, for each fiscal year after its completion, and other financial information.
2. Annual report of the co-operative must be approved by the general meeting of members of the cooperative after the prior approval of the report by the Board of the cooperative. The cooperative annual report shall be signed by the person performing the functions of the individual executive body of the cooperative, the Chief Accountant, confirming the completeness and accuracy of the information contained in the annual report information. The validity of the information contained in the annual report of the co-operative must be confirmed also by the Audit Commission (internal auditor) of the cooperative.
3. Annual report of the cooperative is subject to the direction of the Bank of Russia no later than six months after the date of the end of the year for which the report is submitted. (As amended by federal law from day of arrival N 251-FZ)
4. The information referred to in paragraph 1 of this article, as well as the procedure for the submission of the annual report of the cooperative shall be determined by the Bank of Russia. (As amended by federal law from day of arrival N 251-FZ), Article 21. Disclosure policy cooperative 1. The cooperative must provide free access to the dissemination of information referred to in the present article, all interested in this, regardless of the purpose of obtaining this information through its disclosure in the manner prescribed by this federal law.
2. If the number of cooperative members exceeding five hundred people or co-op advertises, co-op is obliged to carry out disclosure: 1) of the Charter and internal documents of the governing bodies of the cooperative;
2) on the modalities for the participation in the activities of the cooperative, established by the Charter of the cooperative or the decisions of the general meeting of members of the cooperative;
3) on the procedure for determining the value of residential properties purchased or constructed by the cooperative;
4) on the annual report of the cooperative;
5) on essential facts in the cooperative activities referred to in paragraph 5 of this article.
3. information on the Charter and internal documents of the governing bodies of the cooperative, on the modalities for the participation in the activities of the cooperative, on the procedure for determining the value of residential properties purchased or constructed by the cooperative, the cooperative is revealed by placing this information on a special website in the information network. In case of modification of these documents or taking them in the new edition of such documents should be posted on a special website in the information network not later than three days from the date of their entry into force.
4. the information contained in the annual report of a cooperative, the cooperative is revealed by placing an annual report on a special website in the information network and shall comply with the requirements of article 20 of this federal law. Before placing this information on a special website in cooperative information network must draw for the annual verification and confirmation of the annual financial statements audit Organization (Auditor) in accordance with article 54 of this federal law. Annual report of the co-operative must be available on a special website in the information network until the day of posting on the specified site of the annual report of the co-operative for the next fiscal year.
5. The essential facts in the activities of the cooperative are: 1) the convening of the annual or extraordinary general meeting of the members of the cooperative;
2) decision of the general meeting of members of the cooperative;
3) the election or appointment of the executive bodies of the cooperative (cooperative, sole executive body, the ruling organisation or the Manager of the cooperative members of the collegial executive body), indicating the names, names, patronyms appointees or full name of administering organization;
4) premature termination of authority of the individual and (or) a collegial executive bodies of the cooperative;
5) start procedure of reorganization or liquidation of the cooperative;
6) creation and termination of the activities of branches of the co-operative or opening and closing the offices of the cooperative;
7) identification of damages that exceed an amount equal to five per cent of mutual fund cooperative;

8) initiation of Arbitration Court against co-op cases of compulsory liquidation, bankruptcy and (or) imposing one of bankruptcy procedures, as well as the results of the review of the case;
9) identification of significant errors in the previously opened the annual report of a cooperative, including such errors related to accounting (financial) statements of the cooperative;
10) suspension of cooperative engagement and the use of funds of citizens to purchase residential properties on demand of the authorized government bodies;
11), revocation of licenses to engage in the activity or their suspension, if the cooperative in accordance with this federal law is carried out activities which are subject to licensing in accordance with federal law;
12) filing the lawsuit, whose satisfaction cooperative can significantly affect the activities of the cooperative;
13) change of address special site in information network used by the cooperative for disclosure.
6. Disclosure of material fact in cooperative activities carried out by posting a message about it for three days on a special website in the information network and within ten days in the periodic printed publication, defined by the Charter of the cooperative. Text messages about material fact in cooperative activities must be available on a special website in the information network within six months from the date of its posting.
7. When placing information on a special website in cooperative information network can use the site in an information network or any other website in the information network. When placing information on a special website in cooperative information network is obliged to ensure free access to the dissemination of such information, and report to stakeholder demand addresses of sites in an information network on which the posting of said information.
8. Additional requirements to order disclosure of information provided for by this article shall be determined by the Bank of Russia. (As amended by federal law from day of arrival N 251-FZ), Article 22. (Repealed-the Federal law from 16.10.2006 N 160-FZ), Article 23. Sources of financing for the purchase or construction of a cooperative the cooperative dwellings co-op may use: 1) unit and other contributions of the members of the cooperative, except for the introductory membership dues and membership fees;
2) subsidies and subventions;
3) credits and loans received by the cooperative;
4) funds from the sale or use of residential premises owned by the cooperative;
5) voluntary contributions and other sources not prohibited by law.
Article 24. Mutual contributions of members of the cooperative 1. Mutual contributions of members of the cooperative have to offset the cost of cooperative activities to attract and use of funds of citizens to purchase residential properties.
2. Share contribution of a member of the cooperative must ensure repayment of cost of acquisition or construction of cooperative housing. The approximate cost of the acquired or constructed for a member of a cooperative, the cooperative dwelling is determined by the average market value of the residential property, similar to residential premises, specified in the statement of the individual's membership in the cooperative. The approximate cost of residential premises consistent with citizen applying for membership in the cooperative and indicated in decision authorized the Charter of the cooperative body of the cooperative, on the admission of a citizen in the members of the cooperative. After the acquisition or construction of cooperative for members of the cooperative dwelling size of shareholding is refined on the basis of the actual value of the acquired or built cooperative dwelling and specified in decision authorized the Charter of the cooperative body of the cooperative agreed with a member of the cooperative.
3. Share contribution of a member of the cooperative must ensure repayment is also associated with the acquisition or construction of a dwelling costs cooperative: 1) insurance of the dwelling;
2) increase consumer qualities acquired or built dwelling to the level corresponding to the requirements specified in the statement for membership in the cooperative;
3) maintenance, repair of a dwelling, utilities (prior to transfer of residential property in the use of cooperative member);
4) service and repayment of attracted credits and loans for the purchase or construction of a residential premises;
5) payment of taxes, fees and other mandatory payments.
4. How to make a shareholding member of the cooperative shall be determined in accordance with the chosen form of participation in the activities of the cooperative. Possible forms of participation in the activities of the cooperative shall be determined in accordance with article 27 of this federal law.
Article 25. Entrance fees and membership fees 1. The entrance member fees are made members of the cooperative. Membership contributions are made on a monthly basis, the members of the cooperative if the Charter of the cooperative not specified otherwise such contributions.

2. entrance fees and membership fees are not refundable upon termination of membership in the cooperative unless otherwise provided by the Charter of the cooperative.
Article 26. The use of cooperative mutual fund cooperative 1. Mutual fund cooperative the cooperative should be used for the acquisition or construction of dwellings for the members of the cooperative, as well as the repayment of expenses specified in parts 1-3 of article 24 of this federal law.
2. Mutual Fund cooperative the cooperative may also be used for: 1) the payment of the actual value of the share by the outgoing members of the cooperative;
2) fulfillment of obligations of the cooperative before third persons related to delay making the members of the cooperative assigned unit and other contributions;
3) cover the incurred damages in the case of cooperative, if so decided by the general meeting of members of the cooperative.
Article 27. Forms of participation in the cooperative activity 1. Installed the cooperative forms of participation in cooperative activities must conform to the requirements of this federal law, including the requirements to ensure the financial sustainability of the cooperative, established by article 47 hereof, and shall not lead to a breach of the standards of evaluation of financial sustainability of the cooperative, established by article 49 of the present Federal law.
2. Forms of participation in the cooperative activity set: 1) the minimum and maximum periods, as well as minimum size (or how to determine size) part of the shareholding, after making the right to purchase or construction of cooperative housing facilities for members of the cooperative;
2) Insert rest of period shareholding;
3) size and periodicity of payments at the expense of shareholding;
4) possible borrowing conditions under part 3 of article 47 of the Federal law.
3. Installed the cooperative forms of participation in cooperative activities may include: 1) indexing terms of periodic payments shareholding;
2) conditions of interest on paenakoplenija sent from mutual fund cooperative on the acquisition or construction of cooperative dwellings for other members of the cooperative;
3) other conditions of purchase or construction of cooperative dwellings and the modalities of its contributions.
4. Forms of participation in cooperative activities approved by the general meeting of members of the cooperative. Prior to the approval of the general meeting of members of the cooperative forms of participation in the cooperative activity, such forms must be approved by the Board of the cooperative.
5. The decision of the general meeting of the members of the cooperative about the statement of forms of participation in cooperative activities must contain the conclusion about the possible impact of forms of participation in the activities of the cooperative on its financial stability.
6. Established in accordance with this federal law forms of participation in cooperative activities may be directed to the cooperative in an SRO housing savings cooperatives to obtain a conclusion.
7. The form of participation in the cooperative activity cannot be set individually for one member of the cooperative.
Article 28. Acquisition or construction of cooperative dwelling for a member of the cooperative 1. The right of a member of the cooperative for the acquisition or construction of cooperative dwelling occurs after the execution of a member of a cooperative conditions make part of the shareholding, determined in accordance with the chosen form of participation in the activities of the cooperative.
2. After making a member of a cooperative part of the shareholding, determined in accordance with the chosen form of participation in the cooperative activity, subject to a member of a cooperative prescribed a form of participation, timing and frequency of making the relevant payment co-op in order of priority shall: 1) purchase a dwelling corresponding to the requirements specified in the statement of a member of the cooperative;
2) to acquire the right to a dwelling-house under construction or build a dwelling corresponding to the requirements specified in the statement of a member of the cooperative.
3. the sequence of acquisition of cooperative living space, purchase of building residential premises or the sequence of construction of residential premises for a member of the cooperative is set after making a member of a cooperative part of the shareholding under paragraph 1 of part 2 of article 27 hereof, and expiry of the selected member of the cooperative form of participation in the cooperative activities of the time required to implement the specified part of the shareholding.
4. procedure for prioritizing cooperative acquisition of residential premises, the acquisition of the right to a dwelling-house under construction or priority construction of living quarters for the members of the cooperative (hereinafter referred to as the order of ranking) is established by the Charter of the cooperative and (or) the decisions of the general meeting of the members of the cooperative.

5. in establishing the order of prioritization should take into account the size of the proposal submitted by paenakoplenija and for part of the shareholding, after making the right to purchase or construction of cooperative dwelling for a member of the cooperative and may take into account other conditions stipulated by the form of participation in the activities of the cooperative. Under equal conditions, the advantage is a member of the cooperative, which should make the remainder of the shareholding in a shorter time, and with equal timelines-member co-operative, previously entered into a cooperative.
6. the order of prioritization must conform to the requirements of this federal law, including the requirements to ensure the financial sustainability of the cooperative, established by article 47 of this federal law and should not lead to violation of the norms of the financial sustainability of the cooperative, established by article 49 of the present Federal law.
7. The selected member of the cooperative form of participation in the activities of the cooperative and the requirements for the location and characteristics of the dwelling shall be indicated in the decision authorized the Charter of the cooperative body of the cooperative, on the admission of a citizen in the members of the cooperative on the basis of its application for membership in the cooperative or adopted by the specified authority upon application member cooperative decision on changing requirements for residential placement. Extracts from these decisions or copies thereof shall be issued by the cooperative members upon their request within one business day.
Article 29. Transfer of residential property in the use of cooperative member 1. Transfer of residential premises referred to in paragraph 1 of part 2 of article 28 of this federal law, the use of the Member of the cooperative is carried out directly after purchasing cooperative the cooperative ownership of this dwelling. Before passing the residential use of the Member of the cooperative may be repairing dwelling or work to improve consumer qualities of such premises, if so provided by the selected member of the cooperative form of participation in the activities of the cooperative.
2. The decision to transfer residential use cooperative member body accepted the cooperative as defined by the Charter of the cooperative. Extract from such a decision or its copy issued cooperative member on request within one business day.
3. the transfer of accommodation in the use of cooperative member, re-entering the premises and use of them shall be exercised in accordance with housing legislation of the Russian Federation in the order prescribed for members of the housing and residential construction cooperatives, unless otherwise stipulated by this federal law.
Article 30. Acquisition of a member of a cooperative ownership right to residential premise is a member of a cooperative or other persons entitled to a share, making a full size share contribution for residential premises, passed in using cooperative member of the cooperative, shall acquire ownership of the dwelling. The cooperative is obliged to transfer the cooperative member, or other persons entitled to a share specified premises free of any obligation.
Article 31. Eviction from the premises of a cooperative 1. Upon termination of the membership in the co-op, except in the case of making a member of a cooperative shareholding in full, a member of the cooperative, which the co-op donated use of the dwelling and living together with him losing the right to use accommodation and are obliged to release him within two months from the date of termination of membership in the cooperative, and in case of liquidation of a cooperative-from the date of adoption of the decision on the liquidation of the cooperative.
2. in case of refusal to release a member of the cooperative dwelling and living together with him are subject to eviction court decision without providing alternative accommodation in the order stipulated by the housing legislation of the Russian Federation citizens, excluded from housing or housing cooperatives.
Article 32. Payment of the fair value of the share at the termination of its membership in the co-op 1. Upon termination of the membership in the co-op on the grounds provided for in paragraphs 1 and 2 of part 1 of article 9 hereof, the cooperative shall pay the actual cost of the outgoing member of the cooperative share in accordance with the requirements of this article.
2. in the event of termination of membership in the co-op on the grounds referred to in paragraph 4 of part 1 article 9 of this federal law, the fair value of the share is paid to the heirs of the deceased member of the cooperative, if none of the heirs did not avail himself of the right to be accepted into the cooperative members in the manner prescribed by part 3 of article 9 hereof.

3. The fair value of the share cooperative said member is determined on the day of the end of the fiscal year during which the grounds for termination of membership in the cooperative. When the net asset value of the cooperative shall be determined according to accounting in order, established by the Government of the Russian Federation authorized federal body of executive power. (As amended by the Federal law dated 30/11/2011 N 362-FZ)
4. The cooperative shall pay to the outgoing member of the cooperative or other eligible to Pye persons valid share price within six months from the date of the end of the financial year during which the grounds for termination of membership in the cooperative, unless otherwise provided for by the Charter of the cooperative. While prescribed by the Charter of the cooperative period may not exceed two years from the date of the end of the financial year during which the grounds for termination of membership in the cooperative. If the outgoing member of the cooperative was transferred to the cooperative use of the accommodation unit, the payment of the actual value of the share after the release of him and living with the persons specified residential premises.
5. The fair value of the share, to be paid to the cooperative the outgoing member of the cooperative or other eligible to Pye persons may be reduced by: 1) costs associated with the sale of cooperative housing facilities transferred to the use of the outgoing member of the cooperative;
2) amount of debt retired for making cooperative member participation fees and other contributions, with the exception of shareholding, as well as on the size established in accordance with the legislation of the Russian Federation and the Charter of the cooperative of the penalty for breaches of obligations to make these contributions.
6. For the violation of the obligation to pay the cooperative the outgoing member of the cooperative or other eligible to Pye persons share cooperative shall pay the actual value of the outgoing member of the cooperative or other eligible to Pye individuals forfeit, the size of which is determined by the Charter of the cooperative and may not exceed one three-hundredth the current on the day of payment of forfeit of the refinancing rate of the Central Bank of the Russian Federation for each day of delay in payment.
7. Payment of the fair value of the share by the outgoing members of the cooperative or other eligible to Pye persons suspension period is suspended by the Central Bank of Russia activities cooperative engagement and the use of funds of citizens to acquire dwellings in provided for in this federal law. Payment of the fair value of the share by the outgoing members of the cooperative or other eligible to Pye persons shall cease as of the date of adoption of the decision on liquidation of a cooperative by the general meeting of members of the cooperative or acceptance by arbitration court decision on liquidation of a cooperative, or declaring a debtor bankrupt. (As amended by federal law from day of arrival N 251-FZ), Chapter 4. Cooperative management Article 33. Cooperative bodies 1. Bodies of the co-operative are: 1) the general meeting of the members of the cooperative;
2), the Board of the cooperative;
3) Internal Audit Commission (internal auditor) of the cooperative;
4) executive bodies of the cooperative.
2. The co-op can be created and other bodies in accordance with the Charter of the cooperative.
3. members of the Board of the cooperative and the members of the auditing Commission (Auditor) of the cooperative do not receive wages for their work in these bodies, unless otherwise provided by the Charter of the cooperative or the decision of the general meeting of members of the cooperative. Members of the Board of the cooperative and the members of the auditing Commission (Auditor) in accordance with the decisions taken by the General Assembly of the members of the cooperative may be reimbursed for expenses incurred in connection with the implementation of activities in these bodies.
4. the activities of the Board of Directors, the internal audit Commission (internal auditor) and executive bodies of the cooperative is governed by the Charter of the cooperative and internal documents, approved by the general meeting of members of the cooperative.
5. the term of Office of the Board of the cooperative shall expire on the day of the annual general meeting of the members of the cooperative. Powers of the members of the Board of the cooperative and the members of the internal audit Commission (internal auditor) of a cooperative may be prematurely terminated by the decision of the extraordinary general meeting of the members of the cooperative.
Article 34. The general meeting of the members of the cooperative 1. The supreme body is the general meeting of the cooperative members of the cooperative.
2. Co-operative must hold an annual general meeting of the cooperative members annually. The annual general meeting of the members of the cooperative shall be held on dates fixed by the Charter of the cooperative, but not earlier than two months and not later than six months after the end of the next fiscal year. At the annual general meeting of the members of the cooperative must address issues regarding the election of the Board of the cooperative, approving the annual report of the co-operative and the annual financial statements of the cooperative. Carried out in addition to the annual general meeting of the members of the cooperative general meetings of members of the cooperative are extraordinary.
3. Each member of the cooperative is at the general meeting of the members of the cooperative one vote.

4. A member shall have the right to participate in the general meeting of the members of the cooperative, either personally or through a representative. One representative may submit no more than two members of the co-op in co-op with number of cooperative members to five hundred people and not more than five members of the co-op in co-op, membership of which amounts to five hundred people or more. The representatives of the members of the cooperative must produce documents proving their appropriate authority. Power of Attorney issued by the representative of a member of the cooperative must contain information about submitted and representative (name, place of residence, passport or other documents certifying their identity) and must be made in accordance with the requirements of paragraph 4 of article 185 of the Civil Code of the Russian Federation or must be notarially authenticated.
5. the convening and conduct of the annual general meeting of the members of the cooperative and the extraordinary general meeting of the members of the cooperative are carried out by the Board of the cooperative.
6. exclusive competence of the general meeting of the members of the cooperative are: 1) the approval of the Charter of the cooperative, making changes and additions to the Charter of the cooperative or approval of the cooperative in the new edition;
2) approval of internal documents of the cooperative governing bodies of the cooperative;
3) validation provisions (rules) on the order of formation of mutual fund and use cooperative the cooperative;
4) decision on reorganization or liquidation of a cooperative, as well as the appointment of a liquidation Commission and approval of intermediate and final liquidation balance sheets;
5) election and the early termination of the powers of the Board members of the cooperative, the members of the internal audit Commission (internal auditor) of the cooperative, as well as consideration of the reports of their activities;
6) the election or appointment of the executive bodies of the cooperative (sole executive authority, the ruling organisation or the Manager, as well as members of the collegial executive body of the cooperative), early termination of their powers, if the Charter of the cooperative resolution of these issues not related to the competence of the Board of the cooperative;
7) forms of participation in the activities of the cooperative;
8) determination of the maximum value of the dwelling, which can be purchased or built cooperative;
9) approval of spending limits on the activity of the cooperative;
10) approval of the annual report of the cooperative and the annual financial statements of the cooperative;
11) approval of Auditor's conclusion about the reliability of the financial statements of the cooperative on the results of the financial year;
12) definition of the procedure for the formation of cooperative funds, except for the mutual fund, and approval of reports on the utilization of the funds of the cooperative;
13) approval of statements of income and expenditure estimates, the cost estimates for the maintenance of cooperative and performance reports.
7. The general meeting of the members of a cooperative is entitled to accept for consideration any cooperative activities relating to the issue and make a decision on this matter, if it is introduced on the initiative of the Board of the cooperative, on the demand of the internal audit Commission (internal auditor) of a cooperative, the executive bodies of the cooperative or at the request of the members of the cooperative, no less than five per cent of the total number of members of the cooperative.
8. the decision of the general meeting of members of the cooperative, on the question put to the vote shall be taken by a majority of the members of the cooperative, taking part in the general meeting of the members of the cooperative, except for the matters specified in paragraphs 1-4 of part 6 of this article and on which decisions are taken by a two-thirds vote of the members of the cooperative, taking part in the general meeting of the members of the cooperative.
9. A member shall have the right to appeal to the courts against the decision taken by the general meeting of the cooperative members in compliance with the requirements of this federal law, other normative legal acts of the Russian Federation, of the Charter of the cooperative. Such a declaration may be filed in the Court within six months from the date on which the Member knew or should have known of the decision taken by the General Assembly of the members of a cooperative solution.
Article 35. Extraordinary general meeting of the members of the cooperative 1. Extraordinary general meeting of the cooperative members convened at the initiative of the Board of the cooperative, on the demand of the internal audit Commission (internal auditor) of a cooperative, the executive bodies of the cooperative or at the request of the members of the cooperative, with at least ten per cent of the total number of members of the cooperative on the day of presentation of the claim, to convene an extraordinary general meeting of the members of the cooperative. The Charter of the cooperative may be provided by a smaller number of members of the cooperative, having the right to convene an extraordinary general meeting of the members of the cooperative.
2. In case of loss of the cooperative, which exceed an amount equal to twenty-five per cent of the mutual fund, the internal audit Commission (internal auditor) of a cooperative or executive bodies of the cooperative are obligated to require the convening of an extraordinary general meeting of the members of the cooperative and the Board of the cooperative is obliged to convene an extraordinary general meeting of the members of the cooperative.

3. An extraordinary general meeting of the members of the cooperative shall be held within forty-five (45) days of the request for the holding of such a meeting.
4. The request to hold an extraordinary general meeting of the members of the cooperative shall be formulated questions to be included in the agenda of such a meeting, and can also contain the wording of the decisions on each of these issues and the proposal to form the holding of an extraordinary general meeting of the members of the cooperative.
5. the Board of the cooperative may not amend the wordings of questions for inclusion in the agenda of the extraordinary general meeting of the members of the cooperative, the wording of the decisions on each of these issues, and change the form of holding the extraordinary general meeting of the cooperative members, convened at the request of the revision Commission (internal auditor) of a cooperative, the executive bodies of the cooperative or cooperative members, constituting not less than ten per cent of the total number of members of the cooperative or in accordance with the Charter of the cooperative of fewer members of the cooperative, having the right to convene an extraordinary general meeting of the members of the cooperative.
6. If the demand to convene an extraordinary general meeting of the members of the cooperative comes from members of the cooperative, it must contain the names of the members of the cooperative, demanding the convening of such a meeting, and must also be signed by them.
7. Within five days from the date of presentation of the claim, to convene an extraordinary general meeting of the members of the cooperative auditing Commission (Auditor) of the co-operative, executive bodies of the cooperative or cooperative members, constituting not less than ten per cent of the total number of members of the cooperative, or in accordance with the Charter of the cooperative of fewer members of the cooperative, having the right to convene an extraordinary general meeting of the members of the cooperative, the cooperative's Board should decide to convene an extraordinary general meeting of the members of the cooperative or refuse to convene.
8. The decision on refusal to convene an extraordinary general meeting of the members of the cooperative may be made by the Board of the cooperative if: 1) is not met by this article established the order of presentation of the claim, to convene an extraordinary general meeting of the members of the cooperative;
2) the demand to convene an extraordinary general meeting of the cooperative members accused members of the cooperative that make up less than ten percent of the total number of members of the cooperative, or in accordance with the Charter of the cooperative fewer members of the cooperative, having the right to convene an extraordinary general meeting of the members of the cooperative.
9. The decision of the Board of the cooperative to convene an extraordinary general meeting of the members of the cooperative or refusing its convening shall be forwarded to the authorities or persons who require the convening of such a meeting, not later than three days from the date of adoption of the relevant decision. The decision of the Board of the cooperative on refusal to convene an extraordinary general meeting of the members of the cooperative may be appealed by bodies or persons who require the convening of such a meeting, to the Court within three months from the date of adoption of that decision.
10. If during the set period of this federal law, the Board of the cooperative decided not to convene an extraordinary general meeting of the members of the cooperative, the extraordinary general meeting of members may be called by the authorities or persons who require the convening of such a meeting. When the body or individuals calling the company's extraordinary general meeting of the members of the cooperative have stipulated by this federal law powers necessary for convening and holding of an extraordinary general meeting of the members of the cooperative. The executive bodies of the cooperative must provide authorities or individuals, to convene an extraordinary general meeting of the members of the cooperative, the register of members of the cooperative within one working day from the date of the appropriate treatment of such bodies or persons.
11. should the client fail to bodies or persons, to convene an extraordinary general meeting of the members of the cooperative, the cooperative members ' registry the Federal Executive authority authorized the implementation of State registration of legal entities must provide specified bodies or persons information about the members of the cooperative.
Article 36. The general meeting of the members of the cooperative in the form of absentee voting 1. The decision of the general meeting of members may be taken without a meeting (joint presence of cooperative members to discuss issues on the agenda and taking decisions on questions posed to the vote) by absentee voting.
2. If the general meeting of the members of the cooperative in the form of absentee ballot voting paper must be sent or handed to each cooperative member signature no later than twenty days before the date of the end of the reception of ballots.

3. the general meeting of members of the cooperative, whose agenda includes questions about the reorganization or liquidation of the cooperative, on the election of the Board of the cooperative, the internal audit Commission (internal auditor) of a cooperative, approving a cooperative annual report and the annual financial statements of the cooperative may not be in the form of absentee voting.
Article 37. Information about the general meeting of members of the cooperative 1. Notification on holding the general meeting of the members of the cooperative shall be made not later than twenty days before the date of notification on holding the general meeting of the members of the cooperative, whose agenda includes the issue of reorganization or liquidation of a cooperative, no later than thirty days before the day of the vote. At that time a communication in writing about the general meeting of the members of a cooperative must be sent by registered mail to each cooperative member for the specified member of the cooperative mailing address or delivered against signature or, if provided for by the Charter of the cooperative, published in mass media, defined by the Charter of the cooperative. The Charter of the cooperative may be a different way of communication in writing of the general meeting of the members of the cooperative.
2. in a communication of the general meeting of members of the cooperative must be specified: 1) the full name of the cooperative and its location;
2) form the general meeting of members of the cooperative (collection, absentee voting, or meeting of Commissioners);
3) date, place and time of the general meeting of members of the cooperative, in the case of the general meeting of the members of the cooperative in the form of absentee voting deadline for ballots and mailing address, which should be directed to the completed ballot papers;
4) agenda for the general meeting of members of the cooperative;
5) order information or materials to provide members of the cooperative during the preparation of the general meeting of members of the cooperative, and mailing address through which you can get acquainted with the specified information or materials.
3. To information or material subject to the provision of the members of the cooperative during the preparation of the general meeting of members of the cooperative are the cooperative annual report, conclusion of auditing Commission (Auditor) of the cooperative as a result of the audit of the annual report of the cooperative and the annual financial statements, the auditor's report, the particulars of the candidate (candidates) in the executive bodies of the cooperative, the cooperative Board and auditing Commission (Auditors) of the cooperative, the project introduced into the Charter of the cooperative project of changes and amendments to the Charter of the cooperative in new edition internal documents of the cooperative projects, draft decisions of the general meeting of members of the cooperative, as well as other obligations under the Charter of the cooperative information or material. Unless a different procedure for the members of the cooperative with information or materials not provided for in the Charter of the cooperative mentioned information or materials should be made available to all members of the cooperative, for information, in the premises of the executive body of the cooperative from the date of circulation to members of the cooperative reports on holding the general meeting of the members of the cooperative. The cooperative at the request of a member of the cooperative is required to provide him with copies of these documents. The fee charged by the cooperative for provision of data copies may not exceed the costs of their production.
4. If the general meeting of the members of the cooperative in the form of absentee voting, General Assembly of the members of the cooperative, whose membership is 1,000 or more, the general meeting of the members of the cooperative, the Statute which provides for the mandatory direction or presentation of the members of the cooperative ballots prior to holding the general meeting of the members of the cooperative, the voting paper must be sent or handed to each cooperative member signature no later than twenty days before the date of the general meeting of the members of the cooperative.
Article 38. A quorum of the general meeting of members of the cooperative 1. The general meeting of the members of a cooperative is entitled to take decisions (has quorum) if it is attended by members of the cooperative, which constitute not less than 50 per cent of the total number of cooperative members, or their representatives.
2. Participating in the general meeting of the members of the cooperative are deemed to be members of the cooperative, registered for participation and membership of a cooperative, the cooperative sent the completed voting papers were received not later than the day preceding the day of the general meeting of the members of the cooperative. Participating in the general meeting of the members of the cooperative in the form of absentee voting are considered to be members of the cooperative, the cooperative sent the completed voting papers were received before the date of the end of the reception of ballots.
3. a list of the members of the cooperative who took part in the general meeting of the members of the cooperative, and at a general meeting of the members of the cooperative in the form of a meeting of Commissioners elected Commissioners and a list of Commissioners who participated in the meeting of the Commissioners are attached to the Protocol of general meeting of the members of the cooperative.

4. In the absence of a quorum of the annual general meeting of the members of the cooperative must be held repeated general meeting of the members of the cooperative with the same agenda. Repeated general meeting of the members of the cooperative is eligible if it was attended by members of the cooperative who make up at least 30 per cent of the total number of members of the cooperative.
Article 39. The accounts Commission 1. For the determination of the quorum of the general meeting of members of the cooperative during the voting and counting of votes from among the members of the cooperative creates the accounts Commission, quantitative and personal compositions which are approved by the general meeting of members of the cooperative and, in the case of the general meeting of the members of the cooperative in the form of absentee voting-Board cooperative.
2. the counting Commission may not be members of the Board of the cooperative, the members of the auditing Commission (Auditor) of the cooperative, the members of the executive bodies of the cooperative, as well as those put forward by the candidates for these posts.
3. If the members of the Commission did not participate in the general meeting of members of the cooperative, the duties of the returning Board perform cooperative Board members participating in the work of the General Assembly of the members of the cooperative.
4. the returning Board shall examine the credentials and registers of persons participating in the general meeting of the cooperative members, determines the quorum of the general meeting of members of the cooperative, clarifies questions arising in connection with the members of the cooperative or their representatives the right to vote at the general meeting of the cooperative members, explained the voting procedure on questions posed to the vote provides a set order of vote and the right of members of the cooperative or their representatives to vote , counts the votes and sums up the results of the vote, is the voting results Protocol, transmits the ballot papers in the archive.
Article 40. The counting of votes during voting 1. Counting of votes in the voting is carried out by the returning Board separately for each delivered to the vote question.
2. At the time of the voting, being conducted by ballot papers counted votes on those issues on which to vote on only one of the possible vote. Ballot papers filled with violation of this requirement should be invalidated, and to vote on matters contained therein are not counted. If the ballot contains a number of questions raised in the voting, failure to comply with the specified requirements in respect of one or more issues does not entail recognition of the ballot paper to be invalid as a whole.
3. on the basis of vote counting Commission is the voting results Protocol signed by members of the Commission. Protocol on the results of the voting shall be drawn up not later than three days after the completion of the work of the General Assembly of the members of the cooperative or the end of the reception of ballots during a general meeting of the members of the cooperative in the form of absentee voting.
4. Protocol on the outcome of the vote is an integral part of the Protocol of general meeting of the members of the cooperative.
5. Decisions adopted by the General Assembly of the members of the cooperative, and the voting results shall be announced at the general meeting of members of the cooperative, in which the vote was taken, and in the case of the general meeting of the members of the cooperative in the form of absentee voting are brought to the attention of the members of the cooperative, not later than five days after drawing up a report on the outcome of the vote in the form of a report on the outcome of the vote in the order prescribed for messages about the general meeting of members of the cooperative.
6. Members shall be entitled to receive from members of the Board of the cooperative and the returning Board members information about the date, time and place of counting members of the counting Commission of the results of the voting, the voting ballots. Any member of a cooperative has the right to be present during the counting of the results of the vote, ballots for voting, and the drafting of a Protocol on the outcome of the vote, as well as to the Protocol.
Article 41. The general meeting of the members of the cooperative in the form of Assembly Commissioners 1. In co-op, whose membership exceeds five hundred people, the general meeting of the members of the cooperative in accordance with the Charter of the cooperative can take the form of meetings of Commissioners.
2. The Commissioners shall be elected from among the members of the cooperative, not included in the composition of the Board of the cooperative or executive bodies of the cooperative. The Commissioners cannot transfer exercise of its powers to other persons, including persons who are members of the cooperative.
3. the members of the Board of Directors of the cooperative may participate in a meeting of Commissioners without voting rights.
4. The Commissioners are elected by assemblies that can be carried out at the place of residence of the members of the cooperative is open or by secret ballot. These meetings should contain the following information: 1) the surname, forename and patronymic of the elected Commissioner;
2) the quantitative and personal trains members of the cooperative, which is authorized;
3) the term of Office of the Ombudsman.

5. The Commissioner may be elected by the votes of not less than ten and not more than 50 members of the cooperative. The minimum number of Commissioners should be no less than fifty Commissioners.
6. The Commissioners are elected in accordance with the Charter of the cooperative, which establishes: 1) the number of cooperative members, of whom shall be authorized, within the limits laid down in part 5 of this article;
2) minimum and maximum term of Office of the Ombudsman;
3) order of election Commissioners (open or by secret ballot using ballots);
4) an early re-election of Commissioners.
7. the Assembly authorized takes decisions in the manner provided for the holding of the annual general meeting of the members of the cooperative or the extraordinary general meeting of the cooperative members, subject to the provisions of this article. Powers of the Commissioner are confirmed by a copy of the decision, taking as his congregation. Each Commissioner has a number of votes equal to the number of votes of the members of the cooperative, whose interests he represents. Convening a meeting of Commissioners shall be carried out in accordance with this federal law in the manner and within the period provided for the holding of the annual general meeting of the members of the cooperative or the extraordinary general meeting of the members of the cooperative.
Article 42. The Board of the cooperative 1. The Board of the cooperative manages cooperative in between general meetings of members of the cooperative. The number of members of the Board of the cooperative shall be determined by the Charter of the cooperative or the decision of the general meeting of members of the cooperative, but may not be less than three persons. Persons elected to the Board of the cooperative may be re-elected an unlimited number of times, unless otherwise provided by the Charter of the cooperative. Members of the Board of the cooperative shall elect from their number a Chairman of the Board of the cooperative, unless a different procedure for the election of the Chairman of the Board of the cooperative is not foreseen in the Charter of the cooperative.
2. If the annual general meeting of the members of the cooperative was not completed within the deadlines established by the part 2 of article 34 of this federal law, the powers of the Board of the cooperative is terminated, except for preparing, convening and conduct of the annual general meeting of the members of the cooperative.
3. Member of the Board of Directors of the cooperative may not serve as the sole executive body of the cooperative, the head of the ruling organisation or the Manager, as well as be a member of the Audit Committee (Auditor) of the cooperative.
4. Member of the Board of Directors of the cooperative may combine their activities to the Board of the cooperative work in co-op under an employment contract.
5. the number of members of the Board of the cooperative, the cooperative workers under employment contract must not exceed one third of the total number of members of the Board of the cooperative.
6. the competence of the Board of the cooperative include the following issues: 1) admission to membership in the cooperative and the termination of membership in the co-op if the Charter of the cooperative resolution of these issues not related to the competence of other bodies of the cooperative;
2) convening and conduct of the annual general meeting of the members of the cooperative and the extraordinary general meeting of the members of the cooperative, except under paragraph 10 of article 35 of this federal law;
3) the election or appointment of the executive bodies of the cooperative (sole executive authority, the ruling organisation or the Manager, as well as members of the collegial executive body of the cooperative), early termination of their powers, if the Charter of the cooperative is attributed to the competence of the Board of the cooperative;
4) control over the activities of the executive bodies of the cooperative;
5) prior approval of forms of participation in the activities of the cooperative;
6) approval order transfer of residential property in the use of cooperative member after making them within the prescribed period, part of the shareholding in accordance with the chosen form of participation in the activities of the cooperative;
7) preliminary approval of the annual report of the cooperative and the annual financial statements of the cooperative;
8) pre-approve the audit opinion;
9) approval of the auditor of the cooperative and the terms and conditions of the agreement, as well as the decision on the termination of such a contract;
10) approval of the appraiser and the terms and conditions of the agreement, as well as the decision on the termination of such a contract;
11) decisions about creation of branches and opening of representative offices of the cooperative;
12) approval of loan agreements and loan agreements;
13) other rights stipulated by this federal law and (or) the Charter of the cooperative issues.
7. the Board of the cooperative at any time has the right to demand from the executive bodies of the cooperative activity report of a cooperative, and also has the right to be acquainted with the documents of the accounting and financial statements of the cooperative.

8. the Board of the cooperative decides on matters within its competence, to its meetings. The Board of the cooperative is entitled to take decisions if there are Board meeting the Board members, who represent at least fifty per cent of the total number of Board members. Decisions of the Board of the cooperative shall be taken by a simple majority vote of the total number of votes of the Board members present at the meeting if more votes for the adoption of such decisions not provided for in the Charter of the cooperative. Decisions taken by the Board, shall be in the form of minutes of meetings of the Board of the cooperative. Minutes of meetings of the Board of the cooperative shall be signed by the Chairman of the Board of the cooperative and the Secretary of the meeting of the Board of the cooperative.
9. A member shall have the right to appeal against the Court decision of the Board of the cooperative in compliance with the requirements of this federal law, other normative legal acts of the Russian Federation, of the Charter of the cooperative or approved by the general meeting of members of the cooperative the cooperative's internal documents, within six months from the date of adoption of this decision.
10. Reference issued by the Management Board of the cooperative, shall be signed by the Chairman of the Board of the cooperative.
Article 43. The internal audit Commission (internal auditor) of a cooperative 1. In order to exercise control over financial and economic activity of the cooperative by the general meeting of members of the cooperative in accordance with the Charter of the cooperative shall be elected by the internal audit Commission (internal auditor) of the cooperative. The Charter of the cooperative shall be determined competence and term of Internal Audit Commission (internal auditor) of the cooperative, as well as the number of members of the revision Commission of the cooperative. The order of the activities of the internal audit Commission (internal auditor) of a cooperative shall be determined by decision of the general meeting of the members of the cooperative.
2. the members of the Inspection Commission (the Inspector) a cooperative may not combine its activities with co-op work under an employment contract.
Article 44. The executive bodies of the cooperative 1. The day-to-day activities of a cooperative exercise sole executive authority cooperative (Director) or the sole executive body of a cooperative (Director) and cooperative collective executive body (Board). The executive bodies of the cooperative is accountable to the Board of the cooperative and the general meeting of members of the cooperative. In co-op, whose membership exceeds five hundred persons, education of the collegial executive body of the cooperative is required.
2. the competence of the executive bodies of the cooperative include all leadership the current operations of the cooperative, except the issues attributed to the competence of the general meeting of members of the cooperative and the Board of the cooperative. The executive bodies of the Cooperative organizes execution of decisions of the general meeting of the members of the cooperative and the Board of the cooperative.
3. The sole executive body of the cooperative without proxy Act on behalf of the cooperative, including represents its interests, commits the transaction on behalf of the cooperative, approves the staffing table, issue orders and giving instructions obligatory for all employees of the cooperative receives based on cost estimates for the maintenance of the cooperative, approved by the general meeting of members of the cooperative.
4. The election or appointment of the executive bodies of the cooperative and early termination of their powers are exercised by the general meeting of members of the cooperative, if the Charter of the cooperative resolution of these issues not related to the competence of the Board of the cooperative.
5. By decision of the general meeting of members of the cooperative, the powers of the individual executive body of the cooperative may be transferred to a commercial organization (managing organization) or an individual entrepreneur (Manager). The decision to transfer the authority of the individual executive body of the ruling organisation or the Manager of the cooperative shall be adopted by the general meeting of members of the cooperative only on the proposal of the Board of the cooperative. In reaching this decision, the members of the cooperative must be provided with the following information: 1) list of other cooperatives and commercial companies, managed by the management organisation or the Manager;
2) annual accounting (financial) statements of the ruling organisation or the Manager for the last three fiscal years, or, if the management organization or Manager operates less than three years, for each fiscal year after its completion;
3) Charter management organization;
4) draft treaty proposed to enter into co-operative management organization or fund managers.
6. Executive bodies of the cooperative shall perform their activities in accordance with the Charter of the cooperative, the decisions of the general meeting of the members of the cooperative and the Board of the cooperative.

7. the Cooperative Agreement with the cooperative, sole executive authority managing organization or managing, as well as with members of the collegial Executive Body on behalf of the cooperative the cooperative shall be signed by the Chairman of the Board of the cooperative. The rights and obligations of the individual executive body of the cooperative, the ruling organisation or the Manager of the cooperative members of the collegial executive body, stipulated in the contract, shall not contradict the Charter, decisions of the general meeting of members of the cooperative and the Board of the cooperative.
8. The Charter of the cooperative shall be determined by the term of Office of the executive bodies of the cooperative, including the validity of the contract of the cooperative management organization or by the Manager, which may not exceed five years. Extension of the term of Office of the executive bodies of the cooperative is allowed only on the basis of the decision of the general meeting of members of the cooperative, even if the Charter of the cooperative education of the executive bodies of the cooperative is related to the competence of the Board of the cooperative.
9. General meeting of the cooperative at any time have the right to decide on the termination of the powers of the executive bodies of the cooperative (cooperative, sole executive body, the ruling organisation or the Manager of the company's collective executive body of the cooperative), including the right to take such a decision if the Charter of the cooperative termination of powers of the executive bodies of the cooperative is related to the competence of the Board of the cooperative.
10. The Charter of the cooperative may be provided for the right of the Board of the cooperative decide to suspend the powers of the executive bodies of the cooperative. In this case, the Board of the cooperative is under an obligation to take a decision on the creation of a provisional executive bodies of the cooperative and to hold an extraordinary general meeting of the members of the cooperative.
11. The sole executive body of a cooperative, the head of the ruling organisation or the Manager, as well as a member of a collegial executive body of the cooperative may not be elected as a member of the Board of the cooperative or a member of the Audit Committee (Auditor) of the cooperative. The company's sole executive body, head of the ruling organisation or the Manager, as well as a member of a collegial executive body of the cooperative may not be a member of the cooperative.
Article 45. Cooperative officials requirements 1. A member of the Board of the cooperative, sole executive body, a member of the collegial executive body of the cooperative, a member of the Audit Committee (Auditor) of the cooperative may not be: 1), a person who was a member of the Board of the cooperative, sole executive body, a member of the collegial executive body of the cooperative, a member of the Audit Committee (Auditor) of the cooperative on the day a court decision on liquidation of the cooperative or the application of bankruptcy procedures to this cooperative, if from the date of completion of liquidation of a cooperative or bankruptcy less than three years;
2) a person convicted of the crime in the economic sphere.
2. The Charter of the cooperative can be set additional requirements to officials of the cooperative.
3. In order to comply with the requirements of the cooperative's officials, in electing a Board member of the cooperative, sole executive body, members of the collegial executive body of the cooperative or a member of the internal audit Commission (internal auditor) of a cooperative the cooperative members regarding the candidates for these posts should be provided: 1) about the person or group of persons nominated data nominations;
2) about the age and education of the candidates;
3) on positions held by the candidates on the day of their nomination and in the past five years;
4) about the presence or lack of candidates been convicted of economic crimes;
5) other requirements provided by the Charter of the cooperative information.
Article 46. Liability of officers of the cooperative 1. Members of the Board of the cooperative, sole executive body, members of the collegial executive body of the cooperative, the members of the internal audit Commission (internal auditor) of a cooperative in exercising their rights and performing their duties shall act in the interests of the cooperative, to exercise their rights and fulfill their duties in respect of a cooperative in good faith and reasonably.

2. cooperative officials are accountable to the cooperative for losses caused by their faulty cooperative actions (inaction), unless different grounds for and the amount of liability is not established by federal laws. These individuals acquitted if they have taken all measures for the proper performance of their duties. Absence of guilt is proved by the officials of the cooperative. Does not bear the responsibility of the cooperative Board Member, Member of a collegial executive body of the cooperative, Member of the Audit Committee, who voted against the decision, which caused damages, cooperative or did not participate in the voting. Obligation to compensate losses of the cooperative does not occur if the actions (inaction) of officials, resulting in the infliction of loss cooperative based on the legitimate decision of the general meeting of members of the cooperative.
3. If in accordance with the provisions of this article is the responsibility of several officials of the cooperative, their liability to the cooperative shall be joint and several.
4. Cooperative or cooperative members, which shall be not less than one per cent of the total number of members of the cooperative, shall have the right to start legal proceedings against the officials of cooperative for damages caused by the cooperative, in the case provided for in part 2 of this article.
5. a member of the cooperative may apply to the Court for damages it cooperative officials damages due to violations of the priority the acquisition of residential premises, purchase of building housing or the priority of the construction of residential premises.
Chapter 5. Ensuring the financial sustainability of the cooperative and oversee cooperative (as amended by federal law from day of arrival N 251-FZ) Article 47. Basic requirements to ensure the financial sustainability of the cooperative 1. The size of the shareholding, after making the right to purchase or construction of cooperative dwelling for his transfer in the use of cooperative member, is established by the Charter of the cooperative, but may not be less than 30 percent of the size of the shareholding members of the cooperative.
2. Total size paenakoplenij other members of the cooperative, the cooperative sent from mutual fund cooperative on the acquisition or construction of a dwelling for a member of the cooperative may not exceed the size of the native paenakoplenija member of the cooperative.
3. When specified in parts 1 and 2 of this article, the funds for the purchase or construction of residential premises for a member of the cooperative the cooperative may also include borrowed funds, the amount of which may not exceed 70 per cent of the size of the shareholding members of the cooperative. The total value of the borrowed funds, attracted by the cooperative shall not exceed forty per cent of the value of the property of the cooperative.
4. The cost of acquiring the rights to construction in order to offer an equity interest and the cost of living quarters built residential cooperative shall not exceed twenty per cent of the value of the property of the cooperative.
5. The minimum term for making a member of a cooperative part of the shareholding, after making the right to purchase or construction of cooperative dwelling for a member of the cooperative, shall be determined by the Charter of the cooperative. As from the second year of cooperative engagement and the use of funds of citizens to purchase premises specified minimum period may not be less than two years.
6. For the remainder of the shareholding after the establishment of the right to the acquisition or construction of cooperative dwelling for a member of a cooperative shall not exceed by more than 1.5 times the term of making a member of a cooperative part of the shareholding to the Member cooperative that right subject to the cooperative established standards of evaluation of financial sustainability of its activities.
7. Additional requirements for ensuring the financial sustainability of the cooperative shall be established by the Government of the Russian Federation.
Article 48. Limitations of perpetrating the cooperative transactions 1. Co-op without prior decision of the general meeting of members of the cooperative may not conduct transactions on carve-owned cooperative dwellings, including the sharing of premises allocated for use by members of the cooperative, other transactions entailing the reduction property of the cooperative, as well as deals on renting residential premises rented or leased or pledge (mortgage).
2. The co-op does not have the right to: 1) grant loans to natural or legal persons;
2) give accommodation;
3) transmit accommodation free of charge;
4) to sponsor its members and third parties, as well as in any other way to enforce obligations specified persons;

5) make their property as a contribution to the authorized capital (total) capital business partnerships and companies, mutual fund production cooperatives and different way to engage its assets in shaping property of legal persons, except for participation in shaping property of SROs housing savings cooperatives.
3. Residential premises acquired or building cooperative, can be transferred in pledge (mortgage) only under the obligation to secure claims for refund or credit targeted loan for the purchase or construction of residential premises. Term of performance of the obligation secured by the pledge specified accommodation may not exceed the stipulated form of participation in the activities of the cooperative term of execution of a member of the cooperative obligations on introducing shareholding in full size.
4. Cooperative cannot make commitments, including delay or delay their execution, assignment of claims, in whole or in part to forgive debt, perform other actions that may lead to cause loss or damage to the cooperative financial sustainability of its activities.
5. When attracting borrowed funds in the case provided for in part 3 of article 47 of this federal law, loan agreement (the loan agreement) must be approved before it is committed by the Board of the cooperative. Loan agreement (the loan agreement) may be approved by the Board of the cooperative, if the loan amount (loan) does not exceed the amount of funds that the co-op is entitled to draw on the acquisition or construction of a residential premises in accordance with article 47 of the Federal law.
Article 49. Standards the evaluation of financial sustainability of the cooperative 1. Assessment of financial sustainability of the Cooperative Bank of Russia is carried out in accordance with the established regulations of the financial sustainability of the cooperative. (As amended by federal law from day of arrival N 251-FZ)
2. housing savings cooperatives must observe the following rules: 1) current security obligations of the cooperative;
2) norm of general security obligations of the cooperative;
3) current balance in the activities of the cooperative;
4) standard medium-term balance in the activities of the cooperative;
5) standard maximum debt members of the cooperative;
6) the standard debt load of the cooperative;
7) the standard debt members of the cooperative;
8) other prescribed by federal laws and regulations of the Government of the Russian Federation regulations.
3. The method of determination specified in part 2 of this article and their value shall be established by the Government of the Russian Federation. List of cooperative binding standards and their value can be set depending on the number of members of the cooperative.
4. Cooperative may not carry out activities to attract new members, if it does not comply with at least one of those listed in part 2 of this article.
Article 50. Supervision of cooperative engagement and the use of funds of citizens to purchase residential properties oversee cooperative engagement and the use of funds of citizens to purchase residential properties, as well as cooperative compliance with requirements of this federal law, other federal laws, other regulatory legal acts of the Russian Federation and of the normative acts of the Bank of Russia is carried out by the Bank of Russia. (As amended by federal law from day of arrival N 251-FZ), Article 51. Law of the Bank of Russia in carrying out supervision of cooperative engagement and the use of funds of citizens to purchase dwellings (as amended by federal law from day of arrival N 251-FZ dated December 30, 2008) 1. The Bank of Russia in carrying out supervision of cooperative engagement and the use of funds of citizens to purchase residential properties, compliance with the requirements of this federal law and matched the cooperative established requirements for ensuring the financial sustainability of the cooperative shall have the right: (as amended by federal law from day of arrival N 251-FZ) 1) (repealed-the Federal law dated 30/11/2011 N 362-FZ) 2) establish qualifications as well as professional experience requirements for candidates for the position of the individual executive body of the cooperative, including the head of the ruling organisation or the Manager, Chief Accountant of the cooperative;
3) (repealed-the Federal law dated 30/11/2011 N 362-FZ) 4) receive from a federal body of executive power, authorized for implementation of the State registration of legal entities, the information and documents on the housing savings cooperatives and on self-regulatory organizations housing savings cooperatives in the manner prescribed by this federal law and the Federal law "on State registration of legal entities and individual entrepreneurs";

5) receive from the authorized federal body of executive power performing functions on formation of official statistical information, and its territorial bodies of information and documents necessary for the exercise of the functions of monitoring the activities of the cooperative;
6) receive from the cooperative compliance reporting regulations financial stability assessment of its activities and other requirements of this federal law, in the manner prescribed by the Bank of Russia; (As amended by federal law from day of arrival N 251-FZ) 7) set another periodicity of receiving from the cooperative report on compliance by individual assessment regulations the financial sustainability of its activities and other requirements of this federal law;
8) receive from cooperatives, housing savings cooperatives SROs copies of documents necessary for the assessment of conformity of cooperatives established requirements to ensure the financial sustainability of cooperatives;
9) consider complaints from citizens and legal persons associated with violations of the requirements of this federal law;
10) to check the activities of cooperatives;
11) apply to the Court a statement in defense of the rights provided for in this federal law and the legitimate interests of members of cooperatives in case of their violation;
12) exercise other powers stipulated by this federal law.
2. Employees of the Bank of Russia in the performance of their duties, have the right of unimpeded access to the premises intended for the work of the bodies of the cooperative or performing the functions of the individual executive body of the ruling organisation or the Manager of the cooperative, to obtain the necessary documents or information. (As amended by federal law from day of arrival N 251-FZ)
3. cooperative Bodies or carrying out functions of the individual executive body of the cooperative management organization or manager must provide documents or other information and provide written and/or oral explanations necessary for the exercise of supervision over the activities of the Bank of Russia of the cooperative. (As amended by federal law from day of arrival N 251-FZ) of Article 52. Powers of the Bank of Russia in carrying out supervision of cooperative engagement and the use of funds of citizens to purchase dwellings (as amended by federal law from day of arrival N 251-FZ dated December 30, 2008) 1. In case of violation of the requirements of this federal law, cooperative, non-fulfillment of the requirements of the Bank of Russia, the non-provision of information or providing members of the cooperative and other citizens of incomplete or inaccurate or false information, the Bank of Russia has the right to: (as amended by federal law from day of arrival N 251-FZ) 1) demand from the bodies of the cooperative resolve these violations;
2) give housing cooperative binding instructions on Elimination of revealed violations;
3) apply measures to liability established by this federal law, as well as the legislation of the Russian Federation on administrative offences.
2. In the case of non-observance of the cooperative within the prescribed period of Bank of Russia instruction on Elimination of revealed violations but also if these violations have created a real threat to the rights and legitimate interests of members of the cooperative, the Bank of Russia has the right to issue a precept to suspend cooperative activities to attract new members to the cooperative of the violations. The Bank of Russia in the case of non-observance of the cooperative of its requirements may apply to a court with a demand for liquidation of the cooperative. (As amended by federal law from day of arrival N 251-FZ)
3. In the case of cooperative activities prohibited by law, or in the event of repeated or gross violations of the cooperative of this federal law, as well as others provided by the Bank of Russia has the right to apply to court with a demand for liquidation of the cooperative. (As amended by federal law from day of arrival N 251-FZ)
4. The requirements and requests of the Bank of Russia are sent by mail, facsimile or by delivery to the addressee or in the form of electronic documents signed with a reinforced qualified electronic signature in the manner prescribed by the Bank of Russia. When making regulations and requests of the Bank of Russia in the form of electronic documents, data requirements and requests shall be deemed received within one working day from the day they are sent to the addressee in the manner prescribed by the Bank of Russia, on the assumption that the Bank of Russia received an acknowledgement of receipt of the said regulations and requests in accordance with the established procedure. (Part is supplemented by federal law from 13.07.2015 N 231-FZ) Article 53. Reserve Fund and other funds of the cooperative

1. Cooperative contributions of the members of the co-operative must form the reserve fund in accordance with the procedure and in the amount prescribed by this federal law and (or) the Charter of the cooperative. The size of the contingency fund of the cooperative shall be determined by the Charter of the cooperative, but may not be less than half a percent of the size of the unit trust. Reserve Fund may be used only for unexpected expenses and losses of the cooperative.
2. The contingency fund of the cooperative may be amended in the merged reserve fund created by an SRO housing savings cooperatives, if the cooperative is a member of such an organization.
3. The contributions of the members of the cooperative in reserve, not used for the purposes specified in paragraph 1 of this article, shall be surrendered upon termination of the cooperative member of its membership in the co-op before making any shareholding in full size or count towards the shareholding when making the final payment.
4. Cooperative may create other trust funds in accordance with the procedure and in the amounts provided for by the Charter of the cooperative.
Article 54. The audit of the accounting and financial statements of the cooperative 1. Conducting cooperative accounting and accounting (financial) statements of the cooperative are subject to mandatory annual inspection audit Organization (Auditor). The Charter of the cooperative may provide audit every two years, if the amount of the assets of the cooperative does not exceed the balance at the end of the reporting year six million rubles.
2. Decision on audit and choice of audit Organization (Auditor) are carried out by the Board of the cooperative. With the audit firm (an auditor) is carried out on a competitive basis. The terms of the contract with the audit Organization (Auditor) shall be approved by the Board of the cooperative.
3. Agreement with the audit Organization (Auditor) is on behalf of the Chairman of the Board of the cooperative the cooperative or cooperative, one of the Board members who have been delegated the appropriate authority.
4. Cooperative not later than five days from the date of the submission of Audit audit Organization (Auditor) shall send a copy of the auditor's report to the Bank of Russia. (As amended by federal law from day of arrival N 251-FZ) Article 55. Responsibility for violation of the rules for the implementation of activities to attract and use of funds of citizens to purchase premises for violation of the rules of attraction activities and use of funds of citizens to purchase premises liability in accordance with the legislation of the Russian Federation.
Article 56. SROs housing savings cooperatives 1. Self-regulation of the housing savings cooperatives is exercised on the conditions for their voluntary self-regulatory organizations merge housing savings cooperatives.
2. an SRO housing savings cooperatives may be established for developing and establishing rules and standards, ensuring compliance with SRO members interests of the members of the cooperatives and the implementation of effective action to attract and use of funds of citizens to purchase dwellings, control over compliance with the requirements of the legislation of the Russian Federation and the additional requirements laid down by the rules and standards.
3. the activities of SROs accumulative housing cooperatives are governed by federal law.
4. an SRO housing savings co-operatives obliged: 1) to monitor the activities of their members in relation to compliance with the requirements of this federal law, other federal laws, other regulatory legal acts of the Russian Federation, the rules and standards established by the SRO housing savings cooperatives;
2) submitted by the housing cooperative forms of cumulative participation in cooperative activities, as well as give opinion on submitted forms of participation in the activities of the cooperative;
3) complaints regarding actions (inaction) of their members;
4) ensure openness of information about the activities of its members, media publishing information on non-conformity of the co-op requirements for ensuring the financial sustainability of the cooperative;
5) perform other stipulated by the legislation of the Russian Federation and the constituent instruments of the self-regulatory organization responsibilities.
5. an SRO housing savings cooperatives have the right to: 1) apply in respect of its members provided by the constituent and other documents of responsibility, including deletion of SRO members;

2) appeal to members of the Board of the cooperative, the Auditing Committee (Auditor) of the cooperative and cooperative members with a proposal on the adoption of measures to eliminate inconsistencies co-op requirements for ensuring the financial sustainability of the cooperative.
Chapter 6. Transitional provisions and entry into force of this federal law, Article 57. Transitional provisions 1. From the date of entry into force of this federal law normative legal acts governing the activities of cooperatives to attract and use of funds of citizens to purchase residential properties, with the exception of the normative legal acts regulating the activities of housing and housing construction cooperatives, to bring them into compliance with this federal law applies to the extent that they do not contradict this federal law.
2. constituent documents of cooperatives and other organizations that were created before the entry into force of this federal law and required by this Federal law to attract and use of funds of citizens to purchase residential properties, with the exception of constituent documents of housing and housing construction cooperatives, from the date of entry into force of this federal law shall be applied if they do not contradict this federal law and are subject to adjustment in accordance with this federal law within one year from the date of its entry into force.
3. If the organization referred to in paragraph 2 of this article have not his statutory documents in accordance with this federal law within one year from the date of its entry into force, such organizations do not have the right to carry out activities to attract and use of funds of citizens to purchase premises and are subject to liquidation by court order based on the requirements of the federal body of executive power, authorized for implementation of the State registration of legal entities , Bank of Russia, as well as other public authorities or local self-governance bodies entitled to bring such claims under a federal law. (As amended by federal law from day of arrival N 251-FZ)
4. The requirements of part 4 of article 5 of this federal law do not apply to the cumulative housing cooperatives, whose membership exceeds five thousand people on the day of entry into force of this federal law, in case of acceptance by the State authorities of the constituent entities of the Russian Federation and bodies of local self-government within one year from the date of entry into force of this federal law guarantees the obligations of the members of such cooperatives of cooperatives to pay members of the cooperatives of the actual value of the shares in the event of termination of their membership in such cooperatives. Such cooperatives may not increase the number of its members in comparison with the number of members on the date of the entry into force of this federal law.
5. the powers of the Bank of Russia to exercise supervision over the activities of cooperatives to attract and use of funds of citizens to purchase residential properties are propagated to the other organizations that were created before the entry into force of this federal law and required by this Federal law to attract and use of funds of citizens to purchase residential properties. (As amended by federal law from day of arrival N 251-FZ) Article 58. The entry into force of this federal law 1. This federal law shall enter into force on the expiry of ninety days after the day of its official publication, except for the provisions of article 51 in respect of SROs housing savings cooperatives and article 56 of this federal law.
2. the provisions of article 51 in respect of SROs housing savings cooperatives and article 56 of this federal law shall enter into force on the date of entry into force of the Federal law that regulates the activities of SROs.
The President of the Russian Federation v. Putin Kremlin, Moscow, N 215 December 30, 2004-FZ

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