Overtaken by Federal Law September 21, 2013 N 363-FZ RUSSIAN FEDERATION FEDERAL LAW On amendments to Article 30 of the Federal Law "About banks and banking activities" Accepted by the State Duma on March 19, 2008 Approved by the Federation Council on 28 March 2008 Article 1 Article 30 of the Federal Law "About banks and banking activities" Federal Law of 3 February 1996 N 17-FZ) (Statements of Congress of People's Deputies of the RSFSR and the Supreme Soviet of the RSFSR, 1990, N 27, sect. 357; Legislative Assembly of the Russian Federation, 1996, No. 6, art. 492; 2005, N 1, est. (45) changes, supplemented by parts of the seventh to twelfth reading: " Credit organization prior to the conclusion of a loan agreement with the borrower-natural person and before the modification of the terms of the loan agreement with the specified borrower, The full cost of the loan is required to provide the natural person with information on the full cost of the loan, as well as the list and the amount of the borrower's payments related to the conditions of the loan contract. The credit institution is obliged to determine in the credit agreement the full value of the loan granted to the natural person, as well as to specify the list and the amount of the borrower's payments related to non-compliance. The terms of the loan agreement. The calculation of the full cost of the loan should include payments by the borrower-the natural person on a loan related to the conclusion and execution of the loan contract, including the payment by the borrower in favour of third parties if The obligation of the borrower on such payments derives from the terms of the loan agreement in which such third persons are defined. If the full cost of the loan cannot be determined before the loan agreement is concluded with the borrower is a natural person, and until the terms of the loan agreement are changed, entailing a change in the full cost of the credit, as the credit card is not available The agreement envisages different amounts of payments of the borrower on the loan depending on its decision, then the credit institution is obliged to inform the natural person about the full cost of the loan, determined on the basis of maximum value. the possible amounts of the loan and the term of credit. The calculation of the full cost of the loan does not include payments made by the borrower-the natural person on credit related to its failure to comply with the terms of the loan contract. The full cost of the loan is calculated by the credit institution and is made available by the credit institution to a natural person in the manner established by the Bank of Russia. ". Article 2 This federal law enters into force on the basis of 60 days after its official publication. President of the Russian Federation Vladimir Putin Moscow, Kremlin 8 April 2008 N 46-FZ