About Microfinance And Microfinance Institutions

Original Language Title: О микрофинансовой деятельности и микрофинансовых организациях

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                      RUSSIAN FEDERATION FEDERAL ACT Omikrofinansovoj activities imikrofinansovyh organisations Adopted June 18, 2010 GosudarstvennojDumoj SovetomFederacii Approved June 23 year 2010 (in red.  Federal law dated July 1, 2011  N 169-FZ collection zakonodatel′stvaRossijskoj Federation, 2011, N 27, art.
3880;  Federal zakonaot November 30, 2011 N 362-FZ-collection of laws of the Russian Federation, 2011, N, 49, St. 7040;
Federal law dated June 28, 2013 N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art. 3207;
Federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084;
Federal law dated December 21, 2013  N 363-FZ-collection of laws of the Russian Federation, 2013, N 51, art.  6683;
Federal law dated December 21, 2013  N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695;
Federal law dated June 28, 2014 N 189-FZ-collection of laws of the Russian Federation, 2014, N 26, art. 3395;
Federal law dated June 29, 2015 N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, art.  4001;
Federal law dated July 13, 2015 N 231-FZ-collection of laws of the Russian Federation, 2015, N 29, art. 4357;
Federal law dated December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, art. 27) 1. Article Obŝiepoloženiâ 1. Predmetregulirovaniâ of this federal law NastoâŝijFederal′nyj law establishes the legal framework for the implementation of microfinance activities, determines the order of regulation of activity of microfinance organizations, sets the size, order and terms of predostavleniâmikrozajmov, the acquisition of the status and activities of MFIs, as well as the rights and obligations of the Central Bank of the Russian Federation (hereinafter-the Bank of Russia) (in red.  Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). Article 2. Osnovnyeponâtiâ used in this Federal′nomzakone 1. For the purposes of this federal law uses the following concepts: 1) microfinance activities-legal persons having the status of the MFI as well as other legal persons imeûŝihpravo on implementation of microfinance activities in accordance with article 3 of this federal law, the provision of micro-loans (microfinance);
     2) microfinance organization-a legal person registered in the form of a fund autonomous nonprofit organizations, institutions (except State institutions), not-for-profit partnership, company or partnership carrying on microfinance activities and made in the State Register of microfinance organizations in order predusmotrennomnastoâŝim federal law (as amended by the Federal law of December 21, 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695);
     2-1) microfinance company-type of MFI, osuŝestvlâûŝejmikrofinansovuû work with the installed parts 1 and 2 of article 12 of the present Federal law limits, meeting the requirements of this federal law and standard acts of the Bank of Russia čislek own funds (capital), and has the right to implement takojdeâtel′nosti funds of individuals, including non-its founders (participants, shareholders), subject to the restrictions imposed by article 12, paragraph 1 časti2 of this federal law as well as legal persons (item 2-1 was introduced by the Federal law of December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N1, art. 27, takes effect from March 30, 2016);
     2-2) micro credit company-type of microfinance organization, carries out microfinance activities in view of parts 1 and 3 of article 12 of the present Federal law limits, has the right to attract cash assets of natural persons who are its founders (participants, shareholders), as well as legal entities (paragraph 2-2 was introduced by the Federal law of December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N1, art. 27, takes effect from March 30, 2016);
     3)-first loan provided by zajmodavcemzaemŝiku to the predusmotrennyhdogovorom conditions of the loan, in an amount not to exceed one million rubles;
     4) Microloan-loan contract, the amount of which does not exceed the amount determined by paragraph 3 of this part;
     5) (para. 5 utratilsilu on the basis of the Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084) 2. Used in the present Federal law concepts and terminology of the civil legislation of the Russian Federation of industries and the meaning they are used in these branches of the legislation of the Russian Federation.
 
     Article 3. Pravovyeosnovy microfinance activities 1. The legal foundations for microfinance activities are determined by the Constitution of the Russian Federation, the Civil Code of the Russian Federation, this federal law, other federal laws, as well as under niminormativnymi (in red.  Federal′nogozakona of July 23, 2013  N 251-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 30, art.
4084). 2. Microfinance organizations carry out microfinance activities in the manner prescribed by this federal law.
     2-1. Microfinance institutions have the right to carry out professional activity in the provision of consumer loans in the manner prescribed by the Federal law "on consumer credit (loan) (part 2-1 introduced by the Federal law of December 21, 2013 N 363-FZ-collection of laws of the Russian Federation, 2013, N 51, p. 6683).
     3. Credit institutions, credit cooperatives, pawnshops, housing savings cooperatives and other legal entities carry out microfinance activities in accordance with the legislation of the Russian Federation governing the activities of such legal persons.
 
     Chapter 2. Usloviâosuŝestvleniâ activity of microfinance organizations Article 4. Registry Vedeniegosudarstvennogo microfinance organizations 1. The particulars of the legal person vgosudarstvennyj roster of microfinance institutions, the refusal to make information about the legal entity in the register and exclusion legal entity information from the State Register of microfinance organizations carried out by the Bank of Russia in accordance with this federal law (as amended by the Federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4084).
     2. Bank Rossiiustanavlivaet procedure of maintenance of the State Register of microfinance institutions (in red.  Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). 3. State Register of MFIs is maintained on paper and electronic media.  When a mismatch between records on paper and electronic media entries have priority on paper.
     4. Conducting the State Register of microfinance organizations in electronic media shall be carried out in accordance with uniform organizational, methodological and program-technical principles ensuring compatible and interaction of the register with other federal information systems and networks.
(Part 4 lose force on March 30, 2016 year based on the Federal law dated December 29, 2015 N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, p. 27)
     5. The information contained in the public registry of microfinance institutions, are open and public.
     6. For entering information in the State Register of microfinance institutions is levied in accordance with the legislation of the Russian Federation onalogah and fees.
 
     Article 4-1. Requirements relating to MFI authorities 1. Members of the sovetadirektorov (Supervisory Board), members of the collegial executive body, the sole executive body of the MFI may not be: 1) persons who acted as the sole executive body of financial institutions at the moment when these organizations violations, which have been cancelled (withdrawn) licenses for carrying out relevant activities or violations for which these licenses have been suspended, and these licenses have been revoked (withdrawn) due to these violations during If after the date of such cancellation (withdrawal) has been in place for less than three years. The financial institution for the purposes of this federal law shall be understood to be a professional participant of the securities market, clearing organization, management company, investment fund, mutual fund and non-governmental

the Pension Fund, specialized depository investment fund, mutual fund and private pension fund, equity investment fund, credit institution, insurance company, pension fund, organizer of trade;
     2) persons in organizations whose accounts are not expired, during which they considered to be subjected to an administrative sanction in the form of disqualification;
     3) persons having removed from or outstanding convictions for offences in the sphere of economic activities or offences against State power.
     2. the Member's Board of Directors (Supervisory Board) upon the occurrence of the circumstances referred to in paragraphs 1-3 of part 1 of this article shall be deemed to have resigned from the date of entry into force of the relevant decision of the authorized body or the Court.
     (Article 4-1 of the Act of June 28, 2013 vvedenaFederal′nym  N 134-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 26, art. 3207) article 4-2. Requirements relating to the founders (participants) MFI 1. An individual with or removed from the outstanding convictions for crime in the sphere of economic activity or offense against State authority, may not directly or indirectly (through the controlled persons) alone or together with other persons, related treaties, fiduciary asset management, and (or) simple camaraderie and (or) orders, and (or) shareholders agreement, and (or) other agreement, the subject of which is the realization of the rights certified by shares MFI receive the right to dispose of 10 percent or more of votes per voting shares (shares) the authorized capital of a microfinance organization.
     2. a person who prâmoili indirectly (through the controlled persons) alone or jointly with others, it will deal with any validation property trust management contracts, and (or) simple camaraderie and (or) orders, and (or) shareholders agreement, and (or) other agreement, the subject of which is the realization of the rights certified by shares MFI, has the right to dispose of 10 percent or more of votes per voting shares (share) authorized capital of the MFI is obliged to send a notification to the MFI and the Bank of Russia in the manner and within the time limits established by the normative acts of the Bank of Russia (as amended by the Federal law of December 21, 2013  N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695). 3. The Bank of Russia in ramkahosuŝestvleniâ of their oversight functions in accordance with the established procedure may request and polučat′informaciû about persons who directly or indirectly (through controlled entities) alone or together with other persons, related treaties fiduciary asset management, and (or) simple camaraderie and (or) orders, and (or) shareholders agreement, and (or) other agreement, the subject of which is the realization of the rights udostoverennyhakciâmi (shares) MFI have the right to order 10 or more percent of votes, the voting shares (shares) constituting Charter capital (as restated by MFI.  Federal law dated June 29, 2015  N 210-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 27, art. 4001). 4. If the notification referred to in paragraph 2 of this article, not received a microfinance organization or from a specified notice should that person who directly or indirectly (through the controlled persons) alone or together with other persons, related treaties fiduciary asset management, and (or) simple camaraderie and (or) orders, and (or) shareholders agreement, and (or) other agreement, the subject of which is the realization of the rights certified by shares MFI pravorasporâžat′sâ has 10 or more percent of votes, the voting shares (share) authorized capital of the MFI, does not meet the requirements established by part 1 of this article, the person entitled to dispose of the number of votes not exceeding 10 per cent of votes per voting shares (shares) the authorized capital of a microfinance organization.
With the remaining shares owned by that person in determining the quorum for holding the general meeting of shareholders (participants) of MFI are ignored.
     (Article 4-2 of the Act of June 28, 2013 vvedenaFederal′nym  N 134-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 26, art. 3207) article 5. MFI Priobreteniestatusa 1. A legal person registered in the form of a fund autonomous nekommerčeskojorganizacii, institutions (except State institutions), not-for-profit partnership, economic company or partnership acquires the status of microfinance organization from the day of entering information in gosudarstvennyjreestr loses the status of microfinance institutions and microfinance organization with day exclusion of specified information from this roster (in red.  Federal law dated December 21, 2013  N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art.
6695). 2. Legal person acquires the rights and obligations stipulated by this federal law for microfinance institutions, from the date of purchase of the microfinance organization status.
     3. The particulars of the legal person vgosudarstvennyj roster of microfinance organizations is carried out after its registration as a legal entity.
     4. Information oûridičeskom the face corresponding to the requirements established by this federal law, shall be entered in the State Register of microfinance organizations within fourteen working days from submission of the legal person (hereinafter the applicant) to the Bank of Russia the following documents (in the redaction of information.  Federal zakonaot July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084;
Federal law dated December 21, 2013  N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695): 1) a request for the recording of information about the legal entity in the State Register of microfinance organizations, signed by the head of the legal entity or person authorized by him by his full name, place of residence and contact numbers (as amended by the Federal law of 21 dekabrâ2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695);
     2) (para. 2 utratilsilu on the basis of the Federal law dated July 1, 2011 N 169-FZ collection zakonodatel′stvaRossijskoj Federation, 2011, N 27, art.  3880) 3) učreditel′nyhdokumentov copies of the legal person;
     4) copies of the decision osozdanii of the legal person and the approval of its constituent documents;
     5) copy of decision obizbranii (on appointment) governing bodies of a legal person, with an indication of their convoy on the day of submission of documents to the Bank of Russia (as amended by the Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084);
     6) information about the founders of the legal entity according to the form approved by the Bank of Russia (as amended by the Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084);
     7) address information (location) of the Permanent Executive Body of the legal person by which communication occurs with a legal entity;
     8) extract from the register of foreign legal persons corresponding to the country of origin or otherwise equal to the validity of the document confirming the legal status of the founder of the foreign legal entity (for corporate customers service with foreign founders).
     4-1. the Bank of Russia in considering a request for the recording of information about the legal entity in the State Register of microfinance organizations requests by the federal body of executive power that ensures the State registration of legal entities and physical persons as individual entrepreneurs and farms, information about State registration of the applicant as ûridičeskogolica, if the applicant has not submitted a copy of a certificate of its registration as a legal entity on its own initiative (part 4-1 introduced the Federal zakonomot July 1, 2011 N 169-FZ collection zakonodatel′stvaRossijskoj Federation , 2011, N 27, art. 3880; in red. Federal law of21 July 2013 N 251-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 30, art. 4084). 5. The founding documents of the non-profit organizations in the Bank of Russia in accordance with this article should contain a provision that microfinance is one of the osuŝestvlâemymnekommerčeskoj organization, as well as information about the effect that the revenues derived from microfinance activities should be directed to non-profit organization on implementation of microfinance and its enforcement, including napogašenie microfinance organization received credit and (or) loans and interest und on other social objectives or charitable, cultural, educational or scientific purposes (as amended by the Federal law dated July 23, 2013 N

251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). 6. Submitted in accordance with this article documents of foreign legal persons shall be represented in the State (official) âzykesootvetstvuûŝego of a foreign State with the translation into Russian language and certified in the prescribed manner.
     7. the Bank of Russia in the absence of established by this federal law, the grounds for refusal to make information about the legal entity in the State Register of microfinance organizations not later than fourteen working days from the receipt of the documents referred to in paragraph 4 of this article, makes information about the legal entity in the State Register of microfinance organizations and issue to the applicant a certificate of making information about the legal entity in the State Register of microfinance institutions (in red.  Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084). 8. Form svidetel′stvao making information about the legal entity in the State Register of MFIs is established by the Bank of Russia (in red.  Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). 9. No legal entity in the Russian Federation, except for the entities included in the State Register of microfinance institutions, and entities created to implement microfinance ipriobreteniâ MFI status, may not use in its name the words "MFI".
Legal entity created for implementation of microfinance activities and the acquisition of the status of the MFI, may use in its name the words "MFI" tečenietridcati calendar days from the date of State registration as ûridičeskogolica.  In case of loss of a legal person, the name of kotorogosoderžitsâ the phrase "MFI" MFI status the person obliged to exclude izsvoego names "mikrofinansovaâorganizaciâ" within thirty working days from the date of deletion of the ûridičeskogolica from the State Register of microfinance institutions (as amended by the Federal law of December 21, 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695).
     9-1. Naimenovaniemikrofinansovoj should contain the phrase "MFI" and the reference to its legal form (part 9-1 introduced by the Federal law dated June 29, 2015  N 210-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 27, art. 4001). 10. Legal person included in the State Register of microfinance institutions, the Bank is obliged to inform Russia about changes in its constituent documents, within thirty days from the date of State registration of these changes in accordance with the established procedure (damage.  Federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). Article 6. Denial of vovnesenii information about the legal entity in the State Register of microfinance organizations 1. In making svedenijo legal entity in the State Register of MFIs may be refused subsequent grounds: 1) nesootvetstviedokumentov submitted to the Bank of Russia for inclusion in the State Register of microfinance organizations, the requirements of this federal law and adopted in accordance with the legislation, normative acts of the Bank of Russia (as amended by the Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084);
     2) predstavlenienepolnogo Kit provided for in this federal law documents required for registration in the State Register of MFIs or documents containing false information;
     3) deletion of information about this legal entity from the State Register of microfinance institutions on the basis provided for part of the 1-1 article 7 of this federal law, tečeniegoda, preceding the date of filing of the request for the recording of information about the legal entity in the State Register of microfinance institutions (in red.  Federal law dated December 21, 2013 N 375-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 51, art. 6695);
     4) inconsistency of controls, as well as founders (participants) ûridičeskogolica requirements of this federal law (item 4 was introduced by the Federal law of June 28, 2013  N 134-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 26, art. 3207);
     5) availability in the State Register of microfinance organizations full and (or) acronym MFI, including full or abbreviated company names matching the full and/or abbreviated name, partially full or abbreviated company name legal entity who submitted the request for entry of information about this legal entity in the register or similar to them, provided that the relevant information on the MFI have been entered into the unified State registry of legal persons previously information oûridičeskom face , overseeing the statement (para. 5 was introduced by the Federal law of December 21, 2013 N 375-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 51, art. 6695).
     1-1. making information in the State Register of microfinance organizations on the legal entity in the form of a microfinance company in addition to the grounds referred to in paragraph 1 of this article, in case of failure to comply with the data of the legal entity requirements for own funds (capital), established by this federal law and normativnymiaktami of the Bank of Russia.  To make the information in the State Register of microfinance organizations on the legal entity whose purpose is to carry out activities in the form of mikrokreditnojkompanii, cannot be refused in the event that information about this legal entity from the State Register of microfinance organizations in the form of a microfinance company provided the base part 1-3 of article 7 of the present Federal′nogozakona (part 1-1 introduced by federal law dekabrâ2015, 29.  N 407-FZ-collection of laws of the Russian Federation, 2016, N1, art. 27, takes effect from March 30, 2016).
     2. The decision on refusal of vovnesenii information about the legal entity in the State Register of microfinance organizations motivated refusal to justify this dolžnosoderžat′ listing all the reasons that gave rise to this refusal.  The decision on refusal to make information about the legal entity in the State Register of MFIs is reported to the applicant in pis′mennojforme not later than fourteen working days from the date of receipt of the Rossiidokumentov Bank, listed in part 4 of article 5nastoâŝego of the Federal Act (as amended by the Federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4084).
     3. a refusal to make information about the legal entity in the State Register of MFIs, as well as the failure of the Bank of Russia within the prescribed period the relevant decision can be appealed to the courts (as amended by the Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). 4. The refusal to make information about the legal entity in the State Register of MFIs is not an obstacle for submitting a request for the recording of information about the legal entity in the State Register of MFIs.  Povtornaâpodača such a Declaration and the adoption of a decision shall be made in accordance with the procedure stipulated by this federal law.
 
     Article 7. Isklûčeniesvedenij on the legal entity of the State Register of microfinance organizations 1. The exception information about the legal entity registry izgosudarstvennogo microfinance organizations shall be made by the Bank Over the following grounds (as amended by the Federal law dated July 23, 2013
N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084): 1) filing an application to MFI in the form established by the Bank of Russia. Together with the statement of the MFI of the exception information from the State Register of onej microfinance institutions to the Bank of Russia should be submitted documents containing report on microfinance activities and attesting to that MFI liabilities podogovoram loan to individuals, other than its founders (members, participants, shareholders) (in red.  Federal law dated June 29, 2015  N 210-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 27, art. 4001);
     2) (paragraph repealed 2 on the basis of the Federal law of December 21, 2013  N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695) 2-1) (paragraph 2-1 vvedenFederal′nym Act of June 28, 2013 N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art.  3207; lost effect on the grounds of Federal′nogozakona 21

December 2013 N 375-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 51, art. 6695) 3) Elimination of MFI as a legal entity.
     1-1. Deletion of information on the legal entity of the State Register of MFIs may be carried out by the Bank of Russia on the basis of the decision of the Bank of Russia in the case of repeated during the year: 1) inconsistencies MFI management authorities to the requirements of this federal law;
     2) violations of the microfinance organization of this federal law, normative acts of the Bank of Russia;
     3) violations of the microfinance organization requirements under article 6 and article 7 (except paragraph 3) of the Federal Act of August 7, 2001 N 115-FZ "on counteracting the legalization (laundering) of proceeds received by criminal way and terrorism financing";
     4) material breach approved microfinance Organization rules provide microloans and (or) submission of false accounting data significantly.
     (Part 1-vvedenaFederal′nym Act of 1 December 21, 2013 N 375-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 51, art. 6695) 1-2. In the case of the Bank of Russia of a statement by the MFI for the deletion of information about it from the public registry of microfinance organizations in Russia, the Bank shall decide on the exclusion of information on the legal entity of the State Register of microfinance organizations within forty-five (45) calendar days from the date of receipt of the corresponding application MFI (part 1-2 introduced by the Federal law dated June 29, 2015 N 210-FZ-collection of laws of the Russian Federation , 2015, N 27, art. 4001). 1-3. With momentanapravleniâ microfinance organization in Russia Bank statements for the deletion of information about it from the public registry of microfinance institutions and the Bank of Russia prior to the adoption of the decision on the statement made by the MFI may not attract the money individuals who are not its founders (members, participants, shareholders), and entities not âvlâûŝihsâkreditnymi organizations (part 1-3 introduced by the Federal law dated June 29, 2015  N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, art. 4001). 1-4. Bank of Russia refuses to exclude information about MFI from the State Register of microfinance organizations in accordance with paragraph 1 of part 1 of this article if: 1) the existence of a ètojmikrofinansovoj Organization obligations under loan agreements to individuals who are not its founders (members, participants, shareholders);
     2) a reason to exclude this information from the State Register of microfinance organization MFIs, provided by paragraph 1-1 of the present article.
    (Part 1-vvedenaFederal′nym Act of 4 June 29, 2015  N 210-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 27, art. 4001) 1-5. With momentanapravleniâ microfinance company in the Russian Bank statements for the deletion of information about her izgosudarstvennogo registry of microfinance organizations and prior to the adoption of decisions on Bank of Russia ukazannomuzaâvleniû microfinance company may not attract funds of natural persons, including individual entrepreneurs who are not its founders (participants, shareholders), and entities that are not credit institutions (part 1-5 introduced the Federal law of December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, art.  27, takes effect from March 30, 2016).
     1-6. the Bank of Russia refuses to delete information about the legal entity from the State Register of microfinance organizations in accordance with the first paragraph of this part if: 1) a osnovanijdlâ exception information about the micro credit company from the State Register of microfinance organizations stipulated by provision 1-1 of the present article;
     2) availability of a microfinance company obligations under loan agreements before natural persons, including individual entrepreneurs, non-founders (participants, shareholders);
     3) a osnovanijdlâ exception information about microfinance company from the State Register of microfinance organizations stipulated by provisions 1-1 and (or) 1-3 of this article (part 1-vvedenaFederal′nym Act of 6 December 29, 2015 N 407-FZ-collection of laws of the Russian Federation, 2016, N1, art. 27, comes into force on March 30, 2016 years) 1-7. Within fifteen working days from the date the exception information about microfinance company from the State Register of microfinance organizations in the case of parts 1-1 and (or) 1-3 of this article, such legal person shall submit to the Bank of Russia documents and information confirming the presence or absence of this legal entity obligations under loan agreements before natural persons, including individual entrepreneurs, non-founders of (or participants in , shareholders) (part 1-7 was introduced by the Federal law of December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, art. 27, comes into effect with 30marta 2016).
     1-8. If umikrofinansovoj company obligations under loan agreements before natural persons, including individual entrepreneurs, non-founders (participants, shareholders), momentisklûčeniâ information about the microfinance companies from the State Register of microfinance organizations in the case of parts 1-1 and (or) 1-3 of this article, as well as in the event of non-submission of documents and information confirming the presence or absence of this legal entity obligations under loan agreements peredfizičeskimi persons , including individual entrepreneurs, non-founders (participants, shareholders), order prescribed by part 1-7 of this article, this ûridičeskoelico should be liquidated in accordance with trebovaniâmistat′i-1 7 of this federal law, as in the case of recognition of a bankrupt-in accordance with the requirements of the Federal law dated October 26, 2002 N 127-FZ "on Insolvency (bankruptcy)" (part 1-8 introduced the Federal law of December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, art. 27, takes effect from March 30, 2016).
     1-9. In case of reason dlâprimeneniâ on bankruptcy prevention measures MFI from the receipt of the Bank Rossiiplana the restoration of its solvency, provided that it conforms to the requirements of the Federal zakonaot October 26, 2002 Goda N127-FZ "on Insolvency (bankruptcy)" and normative acts of the Bank of Russia and until the end of the application of the measures referred to in terms of the restoration of its solvency, BankRossii has the right not to apply in respect of the MFI action for violation of prudential regulations established by this federal law and regulatory acts of the Bank of Russia (part 1-9 introduced the Federal law of 29 dekabrâ2015 g.  N 407-FZ-collection of laws of the Russian Federation, 2016, N1, art. 27, takes effect from March 30, 2016).
     2. the exclusion of svedenijo legal person from the State Register of MFIs on other grounds, except for reasons specified in parts 1 and 1-1 nastoâŝejstat′i, not allowed (as amended by the Federal law of December 21, 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695).
     2-1. information on the exclusion of legal persons from the State Register of microfinance organizacijrazmeŝaetsâ in the customer service areas, as well as on the official website of the legal person, excluded from the State Register of MFIs, vinformacionno-telecommunications network "Internet" (part 2-1 introduced by the Federal law of December 21, 2013 N 375-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 51, art.  6695). 3. Exception svedenijo legal person from the State Register of MFIs may be appealed before the courts.
     4. legal licosčitaetsâ graduated from the State Register of microfinance organizations sodnâ the Bank of Russia to delete information about the legal entity from the State Register of microfinance institutions (as amended by the Federal law dated June 29, 2015 N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, Item 4001).
     5. In case of exception information about the legal entity from the State Register of microfinance organizations poosnovaniâm referred to in paragraph 1 of part 1 and part 1-1 of the present article, all previously concluded such legal entity contracts Microloan remain valid (as amended by the Federal law of December 21, 2013 N 375-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 51, art. 6695).
     6. In the case of MFI status utratyûridičeskim this legal entity sends to the Bank of Russia within the term set by the Bank of Russia, information about the certificate of legal entity in the State Register of microfinance organizations in accordance with the procedure of maintenance of the State Register of microfinance institutions (part 6

introduced by the Federal law of December 21, 2013  N375-FZ-collection of laws of the Russian Federation, 2013, N 51, art.
6695). Article 7-1. Likvidaciâûridičeskogo a person that is responsible for the company's deâtel′nost′mikrofinansovoj, poiniciative Bank of Russia (compulsory liquidation) 1. Bank of Russia within fifteen working days from the date of receipt of the documents and information proving the existence of a legal person exercising an activity in the form of a microfinance company, about which information is deleted from the State Register of microfinance institutions, in the case of častâmi1-1 and (or) 1-3 of article 7 of this federal law, obligations under loan agreements before natural persons, including individual entrepreneurs, non-founders of (or participants in , shareholders), or in the absence of a specified entity in the Bank of Russia of such documents and information in the manner prescribed by part 1-7 of article 7 of this federal law, shall be obliged to apply to the arbitral tribunal a statement on liquidation of a legal person exercising an activity in the form of a microfinance company (hereinafter referred to as the statement of the Bank of Russia on the forced liquidation of microfinance company), unless on the day of the exception information from the State Register of MFIs and microfinance have company there are signs of insolvency (bankruptcy) stipulated by the Federal law of October 26, 2002 N 127-FZ "on Insolvency (bankruptcy)".
     2. If at the date of the exclusion from the State Register of microfinance organizations information on the legal entity specified in part 1 of this article, the legal entity, there are signs of insolvency (bankruptcy), stipulated by the Federal law of October 26, 2002 N 127-FZ "on Insolvency (bankruptcy)," the Bank of Russia are drawn to the arbitral tribunal a statement of recognition of this legal person insolvent (bankrupt) in the manner prescribed by the Federal law of October 26, 2002 N 127-FZ "on Insolvency (bankruptcy)".
     3. the arbitral tribunal considers the statement by the Central Bank of Russia on the forced liquidation of microfinance companies in accordance with rules established by the arbitration procedure code of the Russian Federation, and taking into account the characteristics laid down in this article.  A statement of the Bank of Russia on the forced liquidation of microfinance companies regarded Arbitration Court within a period not exceeding one month from the date of the podačiukazannogo application.
     4. the arbitration sudprinimaet the decision on liquidation of a legal person exercising an activity in the form of mikrofinansovojkompanii, and the appointment of a liquidator of the legal entity, if it is not found any signs of insolvency (bankruptcy) of a microfinance company on the day of the data concerning it from the State Register of MFIs.    When considering statements of the Bank of Russia on the liquidation of the company's preliminary hearing of microfinance, provided for an arbitration procedure of the Russian Federation.
     5. the arbitral tribunal directs the decision on liquidation of a legal person exercising an activity in the form of a microfinance company, the Bank of Russia and authorized registration authority, which brings in the unified State Register of legal persons record that the ûridičeskoelico is in the process of liquidation.
     (Article 7-1 vvedenaFederal′nym Act of December 29, 2015 N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, p. 27, comes into force on March 30, 2016 year) 3. Order osuŝestvleniâdeâtel′nosti of microfinance organizations Article 8. Osnovnyeusloviâ the provision of micro-loans to microfinance institutions 1. Mikrozajmypredostavlâûtsâ microfinance organizations in the currency of the Russian Federation in accordance with the legislation of the Russian Federation on the basis of a contract of microloan.
     2. the procedure and conditions for the provision of micro-loans are established in the rules of the microfinance organization providing micro-loans, approved by the management body of the MFI.
     3. Pravilapredostavleniâ micro-loans should be available to all persons and contain the main conditions of granting micro-loans, including the mandatory order should contain the following information: 1) the procedure for applying for a microloan and provide the procedure for its consideration;
     2 conclusion of a contract) the Microloan and procedure for granting to the borrower a payment schedule;
     3) other conditions laid down in the internal documents of the MFI and non-contract terms microloan.
     4. Contract Microloan may be possible to provide microfinance organization trust Microloan with while providing microfinance organization monitor the purposeful use of Microloan and laying responsibility on the borrower to ensure that the possibility of exercising such control.
     5. Rules for the provision of micro-loans may not be imposed conditions that define the rights and obligations of the storonpo Treaty microloan.    In the event that the rules provide microloans conditions contrary to the terms of the Treaty concluded with the Microloan borrower shall apply the provisions of the Treaty microloan.
 
     Article 9. MFI andresponsibilities rights 1. Mikrofinansovaâorganizaciâ may: 1) request from the person who submitted the application for provision of the Microloan, documents and information necessary for the decision of granting, consider a microloan and fulfillment of obligations under the Treaty, in the manner and Microloan nausloviâh, which set rules for the provision of micro-loans;
     2) motivirovannootkazat′sâ from the conclusion of the contract the Microloan;
     3) along with the microfinance activities of deâtel′nost′ûinuû subject to the restrictions imposed by this federal law, other federal laws, including documents iučreditel′nymi čislevydavat′ other loans and provide other services in the manner prescribed by federal laws and constituent documents;
     4) attract money in the form of loans and (or) loan, voluntary (charitable) contributions of ipožertvovanij, as well as in other not prohibited by federal laws as amended in forms of restrictions imposed by paragraph 1 of article 12 hereof;
     5) have other rights in accordance with federal laws, other normative legal acts, normative acts of the Bank of Russia, the constituent documents and the terms of the treaties micro-loans (harm.  Federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). 2. Mikrofinansovaâorganizaciâ obliged to: 1) to the applicant on providing Microloan, complete and reliable information about the procedure and obusloviâh providing Microloan, about his rights and obligations in obtaining Microloan;
     2) host kopiûpravil provide microloans in a place accessible for review and consultation of any interested person, and in the Internet;
     3) inform the person who filed the application for provision of the Microloan, prior to receipt of the Microloan on Microloan conditions, about the possibility of and procedure for change of its terms on the initiative of the MFI and the borrower, the inventory and the amount of all fees related to obtaining, maintaining and returning Microloan, as well as breach of contract Microloan;
     4) guarantee the secrecy of the operations of its borrowers.   All employees are obliged to observe the MFI the secrecy of transactions borrowers mikrofinansovojorganizacii, as well as on other information delivered microfinance organization, except the cases stipulated by federal laws;
     5) raskryvat′neograničennomu persons information on individuals with significant (direct or indirect) influence of narešeniâ taken by the management of MFI, in the order established by the founding documents;
     5-1) proinformirovat′lico, submitting in micro-finance organization to provide Microloan, to obtain Microloan that the MFI vklûčenav State Register of MFIs, and, upon request, provide a copy of the document confirming the deposit of information about the legal entity in the State Register of microfinance institutions (paragraph 5-1 was introduced by the Federal law of December 21, 2013  N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695);
     5-2) to enable the provision of 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 (para 5-2 was introduced by the Federal law dated July 13, 2015  N 231-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 29, art. 4357);
     5-3) to comply with prudential regulations established by this federal law and regulatory acts of the Bank of Russia (para 5-3 was introduced by the Federal law of December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N1,

Church. 27, takes effect from March 30, 2016);
     6) incur other obligations in accordance with federal laws, inyminormativnymi legal acts, normative acts of the Bank of Russia, the constituent documents and the terms of the treaties Microloan (as amended by the Federal law dated July 23, 2013
N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). Article 10. Rights of persons submitting andresponsibilities on providing Microloan in micro-finance organization 1. The person who filed the application for provision of the Microloan in micro-finance organization, is entitled to: 1) familiarize themselves with the rules for the provision of micro-loans, approved microfinance organization;
     2) receive full idostovernuû information on the procedure and on the conditions for granting a microloan, including information about all payments related to obtaining, maintaining and returning the Microloan.
     2. The person who filed the application for provision of the Microloan in micro-finance organization, is obliged to provide documents and information requested in the microfinance organization in accordance with paragraph 1 part 1 article 9 of this federal law, other federal laws and regulations providing microloans, uncounted required for execution of the microfinance organization requirements established by federal laws.
     3. The person who filed the application for provision of the Microloan in micro-finance organization, and has other rights may bear other obligations in accordance with the federal laws.
 
     Article 11. The right borrower 1 andresponsibilities. The borrower shall have the right to dispose of the money obtained under the Treaty, in the manner and Microloan in the conditions established by the Treaty of microloan.
     2. The borrower shall submit the documents and information requested in the microfinance organization in accordance with paragraph 2 of article 10 hereof.
     3. the borrower has other rights and can carry other duties in accordance with the federal laws and the terms of contract a microloan.
 
     Article 12. MFI Ograničeniâdeâtel′nosti Mikrofinansovaâorganizaciâ may not: 1) attracting funds of individuals. This restriction does not apply to raising funds from individuals: a) âvlâûŝihsâučreditelâmi (members, participants, shareholders) MFI;
     b) provide funds under one zajmodavcem with dogovorazajma on microfinance organization amounting to one million five hundred thousand rubles or more, provided that the amount of the principal debt MFI before this zajmodavcem shall not be less than one million five hundred thousand rubles for the entire duration of ukazannogodogovora (in red.  Federal law of19 December 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695);
     buying bonds) MFI with a nominal value of more than one million five hundred thousand rubles each, as well as individuals who are qualified investors in accordance with the legislation on the domestic securities market and purchasing bonds MFI intended for qualified investors ("b" was introduced by the Federal law of December 21, 2013  N 375-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 51, art.
6695);
     2) vystupat′poručitelem for the obligations of its founders (members, participants, shareholders), as well as other means of enforcing the obligations specified persons;
     3) without prior decision of the supreme body of governance microfinance organization approving the relevant transactions transactions related to exclusion or alienation of property mikrofinansovojorganizacii property or otherwise give rise to a reduction in the carrying value of the assets of MFI to ten and more percents of balance value of assets mikrofinansovojorganizacii defined according to accounting (financial) reporting microfinance organization over the past otčetnyjperiod.  MFI deal made in violation of this requirement may be invalidated on the suit of the MFI or on the claim of not less than one third of its founders (members, participants, shareholders) (as amended by the Federal law of December 21, 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695);
     4) grant loans vinostrannoj currency;
     5) to unilaterally change procentnyestavki and (or) Treaty for determining the Microloan, commissions and terms of these agreements;
     6) apply kzaemŝiku, a fizičeskimlicom, including the individual businessman, wholly or partly ahead of MFI vozvrativšemu summumikrozajma and uvedomivšemu in writing in advance of any such intention to micro-finance organization at least ten calendar days, penalties for early repayment of the Microloan;
     7 lûbyevidy) to carry out professional activity in the securities market;
     8) grant the borrower first (microloans), if the amount of the principal borrower before microfinance organization on treaties in the case of the provision of micro-loans Microloan (microloans) exceeds one million rubles (as amended by the Federal law of December 21, 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695).
 
     Article 13. Strahovanieriskov MFI formation of trust funds 1. Mikrofinansovaâorganizaciâ may occur in its activities to insure risks, including the risk of liability for breach of contract, mutual insurance and vobŝestvah insurance companies, with the exception of insurance organizations in which the MFI is the founder (participant, shareholder). The choice of the mutual insurance society and (or) the insurance company shall be carried out by a decision of the management body of the microfinance organization.
     2. Microfinance organization can generate trust funds, order of formation and use of which shall be determined by the internal regulations of MFI.
 
     Chapter 4. Regulirovaniei supervision of microfinance institutions (name as amended by the Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084) Art. 14. Regulation and supervision of microfinance institutions (name of harm.  Federal law dated July 23, 2013 N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084) 1. Public authorities, the Bank of Russia and bodies of local self-government shall not interfere with the activity of microfinance organizations, except for the cases stipulated by federal law (as amended by the Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084). 2. Regulation of microfinance institutions is carried out by the Bank of Russia (as restated by federal law 23iûlâ, 2013.  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084). 3. Bank of Russia carries out the following functions (as amended by the Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084): 1) is a State Register of SROs and mikrofinansovyhorganizacij of microfinance organizations in the manner prescribed by this federal law, other federal laws and normative acts of the Bank (as amended by the Federal zakonaot July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084);
     2) receives from microfinance organizations with the necessary information on their activities, as well as accounting (financial) statements, controls the execution of microfinance organizations with the requirements established by this federal law, other federal laws and other regulatory legal acts, normative acts of the Bank of Russia (as amended by the Federal law of November 30, 2011  N 362-FZ-collection of laws of the Russian Federation, 2011, N, 49, St.   7040;
Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084;
Federal law dated December 21, 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695);
     3) interacts with the SROs MFIs.
     4. In the otnošeniimikrofinansovoj organization of the Bank of Russia (as amended by the Federal law dated July 23, 2013  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4084): 1 ipolučaet) asks for information about financial and economic activity of microfinance organizations from State statistics bodies, the federal body of executive power responsible for the State registration of legal persons uinyh of Government control and oversight;
     2) requests and receives information on the MFI from the unified State Register of legal persons;
     3) ensures that information on the MFI in the State Register of mikrofinansovyhorganizacij

information about the Organization in a single gosudarstvennomreestre individuals, including information about the liquidation of the Organization;
     4) conducts proverkusootvetstviâ of microfinance organizations with the requirements of this federal law and other federal laws and other regulatory legal acts, normative acts of the Bank of Russia in the manner approved by the Bank of Russia (as amended by the Federal law of November 30, 2011 N 362-FZ-collection of laws of the Russian Federation, 2011, no. 49, p. 7040; federal law dated July 23, 2013 N 251-FZ-collection of laws of the Russian Federation , 2013, N 30, art. 4084);
     5) sets the numeric values and the procedure for calculating and monitors compliance with the economic standards of adequacy of own funds and liquidity of microfinance organizations, attracting funds of individuals and legal entities in the form of loans and microfinance organizations that issue and placement of bonds, sets for MFIs the procedure for formation of reserves for possible losses on loans (as amended by the Federal law of December 21, 2013 N 375-FZ-Sobraniezakonodatel′stva Russian Federation , 2013, N 51, art. 6695);
     5-1) to microcredit company, attracting funds of natural persons, including individual entrepreneurs, are founders (participants, shareholders), and (or) legal entities in the form of loans, may establish the following prudential regulations: a) the adequacy of the standards their ownof;
     b) normativylikvidnosti;
     (Para 5-1 vvedenFederal′nym Act of December 29, 2015 N 407-FZ-collection of laws of the Russian Federation, 2016, N1, art. 27, comes into force on March 30, 2016 years) 5-2) to microfinance companies, attracting funds of natural persons, including individual entrepreneurs, and (or) legal entities in the form of loans and microfinance company issue and placement of bonds, may establish the following prudential regulations normativydostatočnosti: a) the own funds;
     b) normativylikvidnosti;
     in) maximum razmerriska per one borrower or a group of related borrowers;
     g) maximum razmerriska on microfinance related company entity (group related to microfinance company);
     d) types and sizes inyhfinansovyh risks;
     (Para 5-2 vvedenFederal′nym Act of December 29, 2015 N 407-FZ-collection of laws of the Russian Federation, 2016, N1, art. 27, comes into force on March 30, 2016 years) 5-3) for the MFI business finance can set different from other microfinance organizations of the value of economic standards (para 5-3 was introduced by the Federal law of December 29, 2015 N 407-FZ-collection of laws of the Russian Federation , 2016, N 1, art. 27, takes effect from March 30, 2016);
     5-4) monitors the microfinance organizations economic standards (para 5-4 was introduced by the Federal law of December 29, 2015  N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, art. 27, takes effect from March 30, 2016);
     5-5) establishes a method for determining the own funds (capital) microfinance company (para 5-5 was introduced by the Federal law of December 29, 2015 N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, p. 27, comes into effect with 30marta 2016);
     6) requires organovupravleniâ MFI removing the revealed violations;
     7) gives the MFI binding instructions on Elimination of revealed violations, lays down the form, terms and procedure for sending, receiving and performance requirements on Elimination of revealed violations (as amended by the Federal law dated June 29, 2015  N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, art. 4001);
     7-1) has the right to establish their predpisaniemzapret to attract cash assets of private individuals in accordance with article 1, subparagraph b"punkta" 12 hereof in the case of at least one of the following grounds: (a)) violation of the microfinance organization economic standards stipulated in paragraph 5 of this part;
     b) violation of the microfinance organization restrictions imposed by paragraphs 1, 2, 6 and 7 of article 12 hereof;
     in arrears on) microfinance organization engaged in accordance with subparagraph b of paragraph 1 of article 12 of this federal law, funds of individuals;
     (Item 7-1 vvedenFederal′nym Act of June 29, 2015  N 210-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 27, art. 4001) 7-2) form, terms and procedure for sending, receiving and performance requirements specified in section 7-1 this part establishes a regulatory act of the Bank of Russia (para 7-2 was introduced by the Federal law of June 29, 2015 N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, Item 4001);
(Item 7-2 to lose force on March 30, 2016 year based on the Federal law dated December 29, 2015 N 407-FZ-collection of laws of the Russian Federation, 2016, N 1, p. 27), 7-3) directs MFI requirements mandatory for execution, and also asks for documents required to deal with matters within the competence of the Bank of Russia. The requirements and requests of the Bank of Russia napravlâûtsâposredstvom mail, facsimile or by delivery adresatuili in the form of electronic documents signed with a reinforced qualified electronic signature in the manner prescribed by the Bank of Russia.  Prinapravlenii the requirements 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, provided that the Bank Rossiipolučil acknowledgement of receipt specified requirements and requests in accordance with the established procedure (item 7-3vveden federal law dated July 13, 2015  N 231-FZ-collection of laws of the Russian Federation, 2015, N 29, art. 4357);
     8) excludes information about MFI from the State Register of microfinance organizations in cases stipulated by this federal law (as amended.  Federal law dated December 21, 2013 N 375-FZ-collection of laws of the Russian Federation, 2013, N 51, art. 6695);
     9) exercise other rights in accordance with this federal law.
     5. Microfinance organization shall have the right to appeal against the actions (inaction) of the Bank of Russia in the Arbitration Court at the location of the MFI (ed.  Federal law dated July 23, 2013  N 251-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4084). Article 15. Otčetnost′mikrofinansovyh Mikrofinansovyeorganizacii organizations are obliged to report quarterly, as well as in the towards the Russian Bank statements for the deletion of information about nihiz public registry of microfinance organizations budget Bank of Russia documents, containing an account of the microfinance activities and the identities of their governing bodies.
Forms and deadlines for the submission of these documents shall be determined by the Bank of Russia (in red.  Federal law dated 23iûlâ, 2013.  N 251-FZ-collection of laws of the Russian Federation, 2013, N 30, art.  4084; Federal law dated June 29, 2015 N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, art.
4001). Article 16. Otnošeniâmeždu microfinance organizations and bûrokreditnyh stories the information necessary to generate the credit histories of legal entities and natural persons, including individual entrepreneurs, it seems mikrofinansovymiorganizaciâmi with respect to borrowers at least one credit Bureau that is included in the State Register of the Bureau of credit histories, in the manner and under the conditions provided for by the Federal zakonomot December 30, 2004 N 218-FZ "on credit histories" (as amended by the Federal law dated June 28, 2014 N 189-FZ-collection of laws of the Russian Federation , 2014, N 26, art. 3395). Chapter 5. Zaklûčitel′nyepoloženiâ Article 17. The managed entry of this federal law, the present Federal′nyjzakon shall take effect upon expiry of one hundred and eighty days after the day of its official publication.
 
 
     Russianfederation President Dmitry Medvedev the Kremlin, Moscow, N 151 July 2, 2010-FZ
 
 








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