Key Benefits:
RUSSIAN FEDERATION
FEDERAL LAW
About Microfinance
and microfinance organizations
Adopted by the State Duma style="mso-spacerun:yes"> 18 June 2010
Approved by the Federation Council style="mso-spacerun:yes"> June 23, 2010
(in the [ [ Federal Law]] of the [ [ Federal Law]]) 1 July 2011 N 169-FZ
Assembly Legislation of the Russian Federation, 2011, N 27, st.
3880; of the Federal Act of 30 November 2011 N 362-FZ-Assembly
legislation Russian The Federation, 2011, N 49, st. 7040;
Federal Law of 28 June N N 134-FZ - Meeting
legislation Russian The Federation, 2013, N 26, st. 3207;
Federal Law of 23 July 2013 N 251-FZ - Meeting
legislation Russian Federation, 2013, N 30, st. 4084;
Federal Act of December 21, 2013 g. N 363-FZ - To
Russian federation legislation, 51, st. 6683;
Federal Act of December 21, 2013 g. N 375-FZ - Collection
legislation Russian The Federation, 2013, N 51, st. 6695;
Federal Law of 28 June N 189-FZ - Meeting
legislation Russian Federation, 2014, N 26, st. 3395;
Federal Law of 29 June 2015 N 210-FZ - Meeting
Russian federation legislation, < 2015, N 27, , } 4001;
Federal Law 13 style="mso-spacerun:yes"> July 2015 N 231-FZ - Meeting
legislation Russian The Federation, 2015, N 29, st. 4357;
Federal Act of December 29, 2015 g. N 407-FZ -Collection
Russian legislation, 2016, N 1, article 27)
Chapter 1: General provisions
Article 1: Subject of regulation of this Federal
of the law
This Federal set the legal legal basis
microfinancial activity, determines order
Managing Microfinance organizations
sets the size, order, and conditions for providing microloans,
order for the status of the and activity
microfinancial organizations, and responsibilities
Central Bank of the Russian Federation (hereinafter- Bank
(inFred. Federal style="mso-spacerun:yes"> July 23, 2013 N 251-FZ-Assembly
Russian legislation, 2013, N 30, sect. 4084).
Article 2. Basic concepts used in this
Federal Law
1. For the goals of the Federal of the is used
Key Concepts:
1) Microfinance activity - legal activities
persons, with status style="mso-spacerun:yes"> microfinancial organizations,
legal entities, eligible on the Microfinanceimplementation
activity in
law, microfinance (microfinance); 2) Microfinance organization - the legal person registered in form fund, offline organization, agencies (for of the institution
non-commercial partnership, The public of the society
camaraderie, implementing Microfinance activity
contributed in state register of microfinance organizations in
order, provided by this Federal (in
Federal Law style="mso-spacerun:yes"> 21 December N 375-FZ-Assembly
Russian legislation, 2013, N 51, article 6695);
2-1) Microfinance company - , a microfinancial
, Implementing Microfinance Activities with
1 parts installed and 2 12 of this Federal
law of restrictions, satisfy the requirements
Federal law and regulations of the Bank of Russia, including
own funds (capital), and entitled style="mso-spacerun:yes"> draw for
implementing such activities are physical cash persons,
in number is not by the founding (participants,
shareholders), subject to the limitations of Part 2, paragraph 1
Article 12 of this Federal Law, as well as legal entities style="mso-spacerun:yes"> faces
( 2-1 ) style="mso-spacerun:yes"> Federal by the law of December 29, 2015
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, enters into force since March 30, 2016);
2-2) Microcredit company - microfinance
microfinance activity with
sections 1 and 3 12 of this Federal
constraint law with right to draw for implementation
such activity of funds of natural persons,
founders of (members, shareholders), and legal entities
(para. 2-2 introduced by Federal Law from 29 December N
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, enters into force since March 30, 2016);
3) microloan, the borrower to the borrower
conditions, of the loan contract, in amount, not exceeding
1 million roubles;
4) Micro Loan Contract style="mso-spacerun:yes"> - a loan contract
exceeds the amount set by paragraph 3 of this Part;
5 style="mso-spacerun:yes"> law
23 July 2013 g. N 251-FZ-Legislative Assembly of Russian
Federation, 2013, N 30, st. 4084)
2. The legal of the [ [ Federal Act]] style="mso-spacerun:yes"> and
terms of civil and other legislation Russian
Federations are used in the meaning, in which they are is used in
Russian Federation legislation
Article 3: Legal foundations of microfinance activities
1. The legal of the microfinance activity is defined
Constitution of the Russian Federation, Civil Code Russian
Federation, this Federal Law, Other Federal
laws and also regulatory compliance
Acts (ed.) of the Federal Act of 23 July 2013 style="mso-spacerun:yes"> n 251-FZ
Assembly Legislation of the Russian Federation, 2013, 30, st.
4084).
2. Microfinance organisations microfinance
in order, Federal
law
2-1. Microfinance to organize to
professional activity consumer provisioning
loans in order, by the law
consumer credit (loan) " (part 2-1 introduced by Federal
Law of December 21, 2013 N 363-FZ-Assembly in legislation
Russian Federation, 2013, N 51, , 6683).
3. Credit organizations, credit cooperatives, pawnshops,
housing accumulative Cooperatives and other legal
implement microfinance in matches
Russian legislation, regulating the activity
such legal entities.
Chapter 2. Implementation modalities
microfinance organizations
Article 4: Maintenance of the State Register of Microfinance
organizations
1. { 's Legal ) in the state
registry of microfinance organizations, denial of application style="mso-spacerun:yes">
legal person in specified registry and
legal person style="mso-spacerun:yes"> public microfinance
organizations are implemented by the Bank of Russia in accordance with the present Federal Law of 23 July 2013 g.
N 251-FZ-Assembly of Russian legislation, 2013, N
30, article 4084).
2. The Bank of Russia lays out the order of conduct of the state
Registry of Microfinance Organizations (in the Federal Law) from
23 July 2013 N 251-FZ- Russian Law Collection
Federation, 2013, N 30, st. 4084).
3. The register of microfinance organizations is maintained by the State
on paper and e- mediations.
records
have paper records.
4. Microfinancepublic registry
organizations are on electronic media in matches
with single organizational, methodological
compatibility and software
Interaction of this registry with other federal information
systems and networks.
(Part 4 will lose ) style="mso-spacerun:yes"> 30 March 2016 on
Federal Law style="mso-spacerun:yes"> 29 December 2015 N 407-FZ - Meeting
Russian legislation, 2016, N 1, article 27)
5. Information, in in the public registry
microfinance organizations are public and public.
6. For public registry
microfinance organizations are charged state fee in
compliance with by law of the Russian Federation
collections. Article 4-1. Requirements for micro-financial management bodies organizations 1. Members of the Board of Directors (Supervisory Board), members
collegial executive body, Single Execution Microfinance Organization cannot be: 1) faces style="mso-spacerun:yes">
executive body of financial organizations in style="mso-spacerun:yes"> committing
these organizations for which they had were revoked
(withdrawn) licenses to views
activity, , or violations, has been suspended
the specified licenses and the specified licenses were revoked
(withdrawn) due to the non-removal of these violations, if
such revocation has been less than three years. this
financial organization for of this Federal
understand the professional market participant
clearing organization, Control company of investment
fund, of the investment and of the non-State
pension fund, specialized Depository style="mso-spacerun:yes"> investment
fund, of the investment and of the non-State
pension fund, Shareholdings style="mso-spacerun:yes"> investment foundation, credit
organization, insurance organization, Non-State pension
foundation, trade organizer;
2) for whom the term has not expired which
they are considered subjected to the administrative
disqualification;
3) faces with or uncollected for
crimes in the economic activity of the or crimes
against state authority.
2. Current board member (supervisory board)
when the circumstances specified by are in 1-3 parts of 1
this article is considered to { \cs6\f1\cf6\lang1024 } in
corresponding decision of the authorized body or court.
(Article 4-1 was introduced by Federal Law of June 28, 2013 style="mso-spacerun:yes"> N
134-FZ -Collection of Russian legislation, 2013, N
26, Text 3207)
Article 4-2. Requirements for founders (participants)
microfinance organization
1. The physical has the or unliquidated
criminal record for economic activity or by
crime against state authority, is not style="mso-spacerun:yes"> to the right or
indirectly (through of the controlled
with Other
trust management Property, , and (or) of the simple
partnerships, and (or) assignments, and (or) stock agreement, and
(or) other convention subject to is implementation
rights certified by shares of the microfinance Organization,
get the order of the 10 and more votes,
coming to voting shares (shares), parts charter
capital of a microfinance organization.
2. A person who is directly or indirectly (through the control of
faces) alone or in association with other people associated with
trust management contracts, and (or) simple
partnerships, and (or) assignments, and (or) stock agreement, and
(or) other convention subject to is implementation
rights certified by shares of the microfinance Organization,
received permission style="mso-spacerun:yes"> 10 and more votes,
coming to voting shares (shares), parts charter
capital of a microfinance organization, must direct notice
Microfinance organization and the Bank of Russia style="mso-spacerun:yes"> in order and
which is set to Regulatory of the Bank of the Russian Federation (in
Federal Act of December 21, 2013 g. N 375-FZ - Collection
Russian legislation, 2013, N 51, article 6695)
3. Bank of Russia in exercising its oversight
has the right to query and retrieve information about individuals that are directly or indirectly (through the controls they control) style="mso-spacerun:yes"> faces)
yourself or style="mso-spacerun:yes"> with others
asset trusts, , and (or) simple
partnerships, and (or) assignments, and (or) stock agreement, and
(or) other convention whose object is implementation
rights, certified shares (shares) of microfinance organizations,
has the order of style="mso-spacerun:yes"> and more votes,
coming on voting shares of (shares),
capital of a microfinance organization (ed.) of the Federal Law from 29 June 2015 g. N 210-FZ-Legislative Assembly of Russian
Federation, 2015, N 27, st. 4001)
4. If notification, of Part 2
, not received by a microfinance organization or from specified
notification should be that a person who is directly or style="mso-spacerun:yes"> (through
controlled faces) style="mso-spacerun:yes"> or together with other
persons associated with with style="mso-spacerun:yes"> management trust
property, and (or) simple partnerships, , and (or) assignments, , and
(or) an equity agreement, and (or) other agreement, object
which is implementation of rights, -authenticated shares
(shares) of the microfinance organization have the right to dispose of 10
and more percent style="mso-spacerun:yes"> shares
(shares) that make up the charter capital of a microfinance Organization,
does not match requirements, 1 of this
article, person given the right to dispose of the number of votes, not
greater than 10% of votes attributable to shares
(shares) that make up the charter capital of a microfinance of the organization.
However, other shares (shares), This to this
definition of quorum for for Shareholders
(members) of a microfinance organization are not counted.
(Article 4-2 was introduced by the Federal Law of June 28, 2013 style="mso-spacerun:yes"> N
134-FZ -Collection of Russian legislation, 2013, N
26, Text 3207)
Article 5: Acquisition of Microfinance status
1. Legal person registered in the form Foundation,
standalone nonprofit organization, Institutions (except
executing agency), a non-profit partnership, hardware
company or partnerships, acquires the status of a microfinance
organization from the date of incorporation into the state registry
microfinance organizations and loses the status of
organization from the day of elimination of specified information from of this registry (in Federal law from 21 December 2013
Russian Law Assembly, 2013, N 51, st.
6695).
2. Legal acquires the and responsibilities,
provided by this Federal Law for microfinance
organizations, with days style="mso-spacerun:yes"> microfinance
.
3. { 's Legal ) in the state
Registry Microfinance is implemented after
State registration as a legal entity.
4. Information about the legal person, relevant to requirements,
Installed of this by law, in
public registry of microfinance in in
14 working days since of the legal
(further - applicant) to the Bank of Russia following documents and information
(Ed. of the Federal Act of 23 July 2013) N 251-FZ-Assembly
legislation Russian Federation, 2013, N 30, st. 4084;
Federal Act of December 21, 2013 g. N 375-FZ - Collection
Russian legislation, 2013, N 51, article 6695):
1) statements style="mso-spacerun:yes"> legal person style="mso-spacerun:yes"> in
public registry of the micro-financial organizations, of the signed
legal person or trusted
its last name, name, , residence
Contact Phone (s). Federal Act of 21 December 2013
g. Russian Federation Law No. 375-FZ-Assembly of Russian Laws, 2013,
N 51, article 6695);
2) (Paragraph (2) expired on the basis of Federal Act No. 1
July 2011 N 169-FZ - Law of the Russian
Federation, 2011, N 27, st. 3880)
3) copies of the legal entity's constituent documents;
4) copies of the decision to create a legal entity and both Assert
its constituent documents
5) copies of the decision on election (appointment) of organs Control
legal with their composition on the day of the view
documents in the Bank of Russia (in the Federal Law of the Bank of Russia) style="mso-spacerun:yes"> 23 July
2013 N 251-FZ-Legislative Assembly of the Russian Federation Federation,
2013, N 30, article 4084);
6 on the legal
approved by the Bank of Russia (under the Federal Law of 23 June 2016) style="mso-spacerun:yes"> July
2013 N 251-FZ-Legislative Assembly of the Russian Federation Federation,
2013, N 30, article 4084);
7 on ( location)
acting legal entity, to which
relationship to legal entity;
8 extracts from the registry legal
corresponding country source or different
legal of the document, legal status
founder-foreign legal entity (for legal entities
foreign founders).
4-1. Russia's style="mso-spacerun:yes">
Legal public registry
microfinancial of requests in the Federal body
executive branch, Implementing State style="mso-spacerun:yes"> registration
legal faces, physical individual
entrepreneurs and peasant (farm) holdings, style="mso-spacerun:yes"> o
State registration of the applicant as a legal entity
if by the petitioner is not style="mso-spacerun:yes">
state registration in The quality of the legal
native initiative (part 4-1) introduced by the Federal Law
July 2011 N 169-FZ - Law of the Russian
Federation, 2011, N 27, st. 3880; in red. Federal Act of 23
July 2013 N 251-FZ - Law of the Russian
Federation, 2013, N 30, st. 4084).
5. Constituent non-profit organizations
submitted to the Bank of Russia in accordance with the
must contain a clause on the that the microfinancial activity
is one activity that is not for profit
organization, and also that, that revenues, received from
microfinance activities, must route to non-commercial
on implementation of the Microfinance Activities
security, including Microfinance
credits and (or) Loans and interests, to other
social goals or charities, cultural, educational
or scientific purposes (in the Federal Law of July 23, 2013) style="mso-spacerun:yes"> N
251-FZ-Legislative Assembly of the Russian Federation, 2013, N
30, article 4084).
6. Submitted in accordance with this article
Foreign Legal Persons style="mso-spacerun:yes"> should be
state (official) corresponding to a foreign
state with translation of the and are certified by in
installed.
7. of the Russian absence of
Federal law of grounds for refusal in the about
legal person in the public microfinance
organizations within fourteen working days with daytime
receipt of documents specified in Part 4 of this Article, makes
Legal public registry
microfinance organizations and returns to
contributing about The legal public registry
{ \cs6\f1\cf6\lang1024
} Federal Law of 23
{ \cs6\f1\cf6\lang1024
} July
2013 N 251-FZ-Legislative Assembly of the Russian Federation Federation,
2013, N 30, article 4084).
8. Form of evidence of legal person
in Public Registry microfinancial organizations
is set by the Bank of Russia (in the Ed. style="mso-spacerun:yes">
July 2013 N 251-FZ - Collection of the Law of the Russian
Federation, 2013, N 30, st. 4084).
9. No legal Russian Federation, for
exclude legal faces, included in the state registry
Microfinance organizations, , and legal for
microfinancial activities and acquisition of status
microfinance organization, can use in
"microfinance organization".
Legal entity, to create for the implementation of
and acquisitions style="mso-spacerun:yes"> Microfinance organization status,
right to use in Name of
"microfinancial organization" thirty calendar days from the state registration as a legal entity.
case of loss by the legal person whose name is contained
' ' microfinance organization ", status
microfinance organization is obligated to exclude from its
term 'microfinance organization' for
thirty working days days from the day excluding this legal entity
from the state registry of the microfinance organizations (in
Federal Law style="mso-spacerun:yes"> 21 December N 375-FZ-Assembly
Russian legislation, 2013, N 51, article 6695)
9-1. The name of the microfinance organization must contain
' ' microfinance organization " and specifying
organizational-legal form (part 9-1 introduced by the Federal
of 29 June 2015 N 210-FZ-Law Assembly
Russian Federation, 2015, N 27, est. 4001)
10. Legal person included in the state registry
Microfinance organizations, obligated to inform the Bank of Russia style="mso-spacerun:yes"> about
changes, contributed to constituent documents, for
thirty days from the state registration of these changes to in
fixed order (in Federal Act of 23 July 2013
g. N251-FZ-Assembly of Russian legislation, 2013,
N 30, article 4084). Article 6: Refusal to provide information on a legal person in State Microfinance Registry
organizations
1. In providing information about the legal person in
registry of microfinance organizations can be refused by next
reasons:
1) mismatches of documents submitted to the Bank of Russia for
contributing to state Tivoli-financial organizations
of this The federal law
compliance with legal acts,
Bank of Russia (under Ed.) style="mso-spacerun:yes"> July 2013 N
251-FZ -Collection of Russian legislation, 2013, N
30, article 4084);
2) incomplete bundle view Present
Federal by law documents, required for in
public registry Microfinance , or
documents that contain false information
3 exception style="mso-spacerun:yes"> legal from
Public Registry of Microfinance Organizations by
envisioned Part 1-1 7 Federal
law, throughout the year, before the of the declaration
information about style="mso-spacerun:yes"> legal public registry
microfinance organizations (in The Federal
December 2013 N 375-FZ-Law Assembly of the Russian Federation
Federation, 2013, N 51, article 6695);
4) mismatch in the organs style="mso-spacerun:yes"> management, and of the founders
(participants) of the legal entity Federal
law (para. 4 introduced by Federal Act of 28 June) style="mso-spacerun:yes"> g. N
134-FZ- Collection of Russian legislation, 2013, N
26, Text 3207);
5) presence of in public microfinance
full and (or) abbreviation
Microfinance Organization, including Full or short
brand name, of the full and (or) reduced
name, including style="mso-spacerun:yes"> full or branding
name of legal of the person who submitted
information about this legal person in the specified registry or similar with to the condition, of the condition style="mso-spacerun:yes"> appropriate Microfinance s in unified Public Registry earlier about legal person who submitted the application (paragraph 5 introduced by the Federal Act of 21
December 2013 N 375-FZ-Law Assembly of the Russian Federation
Federation, 2013, N 51, article 6695)
1-1. public registry
microfinancial of legal
micronufinance company other than , specified in Part 1
real s, declines in the case
legal face of requirements for of own (capital),
Installed of this Federal laws and regulations
Bank of Russia. In the public registry Microfinance on legal target is an activity in the form of a microcredit company, not can be exception legal person style="mso-spacerun:yes"> public microfinance
organizations in see Microfinance company
Article 7, part 1-3 of this Federal Law
(Part 1-1 ) style="mso-spacerun:yes"> Federal by the law of December 29, 2015
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, enters into force since March 30, 2016).
2. Decision not to make information on a legal person in
State registry of microfinance organizations must contain
motivated justification this rejection of all causes,
which served as reason for this failure. Solution in
information about style="mso-spacerun:yes"> legal public registry
Microfinance organizations are reported to the applicant in writing
not later than fourteen working days style="mso-spacerun:yes"> of the day
Bank of the documents of the Russian Federation in Part 4 of Article 5 of the present
Federal Act of July 23, 2013 g.
N 251-FZ-Assembly of Russian legislation, 2013, N
30, article 4084).
3. Legal
public registry of microfinance , and
Not by the Bank of Russia style="mso-spacerun:yes"> in for the appropriate
can be appealed in the order to (in the red
Federal Law style="mso-spacerun:yes"> July 2013 N 251-FZ Collection
Russian legislation, 2013, N 30, sect. 4084).
4. Legal
public registry Microfinance is not
obstacle to resubmitting application for style="mso-spacerun:yes"> o
legal person in the public microfinance
organizations. Re-submission of such application and adoption of style="mso-spacerun:yes"> it
decisions are implemented in the Order, provided by
Law
Article 7. Excluding Legal Information from
State Register of Microfinance
organizations
1. Excluding Legal Person from Public
Register of microfinance organizations is implemented by the Bank of Russia
to the following reasons: Federal Act of 23 July 2013
N 251-FZ-Assembly of Russian legislation, 2013, N
30, article 4084):
1) Feeder corresponding of the microfinance statement
form, By the Bank of the Russian Federation
statement of the microfinance organization to exclude it
from the public of the registry Microfinance in The Bank
Russian must be documents that contain
microfinance activities and supporting absence of this
microfinance organization on loan obligations before
physical faces, not by founding members (members
participants, shareholders) (in Federal Law of June 29, 2008
2015 N 210-FZ-Legislative Assembly of the Russian Federation Federation,
2015, N 27, st. 4001);
2) ( 2) The style="mso-spacerun:yes"> was invalid under the Federal Act
21 December 2013 N 375-FZ-Legislative Assembly Russian
Federation, 2013, N 51, article 6695)
2-1) (Paragraph 2-1 was introduced by Federal Law of June 28, 2013 style="mso-spacerun:yes"> g
N 134-FZ-Assembly of Russian legislation, 2013, N
26, , 3207; is no more effective under the Federal Act of 21
December 2013 N 375-FZ-Law Assembly of the Russian Federation
Federation, 2013, N 51, article 6695)
3) Eliminating Microfinance organization as a Legal
face
1-1. Exception legal person from
public of registry Microfinance can
executed by the Bank of Russia based on the decision of the Bank of Russia style="mso-spacerun:yes">
repeated throughout the year:
1) nonconformance Microfinance
organization requirements of this Federal Law;
2) violations microfinancial organization
Federal Law, Bank of Russia Regulations;
3) violations microfinancial requirements organization
Article 6 and Article 7 (for ( 3)
Federal Law style="mso-spacerun:yes"> 7 August 2001 N 115-FZ
" About Legalization of the (laundering) revenues
criminal ways, and financing of terrorism ";
4) significant Microfinance-approved violations
rules organization providing microloans and (or)
reporting untrusted reporting.
(Part 1-1 of the Federal Act of December 21, 2013). N
375-FZ- Collection of Russian legislation, 2013, N
51, article 6695)
1-2. In the Bank of Russia revenue style="mso-spacerun:yes"> statements
Microfinance of the organization style="mso-spacerun:yes"> from
public of registry The Bank of Russia
takes a decision to exclude information legal from
public registry of the microfinance in in
forty-five calendar days of the appropriate
statement of the microfinance Organization (part 1-2 )
Federal Law of 29 June 2015 N 210-FZ - Meeting
Russian legislation, 2015, 4001)
1-3. Since the microfinance institution has sent it to the Bank
Russia to exclude from state
inventory of microfinance organizations and to The Bank of of the Russian Federation
on the specified the microfinance organization is not
right to attract funds of natural persons, not
its founders (members, members, shareholders), and Legal
persons other than credit organizations (part 1-3 )
Federal By Law style="mso-spacerun:yes"> June N 210 FZ Collection
Russian legislation, 2015, 4001)
1-4. Russia declines to exclude style="mso-spacerun:yes"> o
microfinance organization from the public of the registry
microfinance organizations according to with 1 1
true article for:
1) that this microfinance organization is committed style="mso-spacerun:yes"> by
contracts of the loan before the
founders (members, members, shareholders);
2) reasons for style="mso-spacerun:yes"> for exception
microfinance organization from the public of the registry
microfinance organizations provided by Part 1-1
articles.
(Part 1 to 4 introduced by the Federal Act of 29 June style="mso-spacerun:yes"> June 2015 N
210-FZ -Collection of Russian legislation, 2015, N
27, Text 4001)
1-5. Since Microfinance in Bank
Russian statement of exception information about it from public
inventory of microfinance organizations and to The Bank of of the Russian Federation
decision on the specified statement is not a microfinancial company right
draw money physical persons in
individual entrepreneurs, not that are by the founders
(stakeholders, shareholders), , and legal s
credit organizations (Part 1-5 introduced by Federal Law from
29 December 2015 N 407-FZ-Legislative Assembly Russian
Federation, 2016, N 1, st. 27, takes effect from March 30, 2016
years).
1-6. Russia declines to exclude style="mso-spacerun:yes"> o
legal person style="mso-spacerun:yes"> public microfinance
organizations in with the first of this Part in
case:
1) reasons for excluding Microcredit
company from the state registry style="mso-spacerun:yes"> organizations
Part 1-1 of this article;
2) The presence of style="mso-spacerun:yes"> Microfinance
contracts of the loan before the physical persons in
individual entrepreneurs who are not style="mso-spacerun:yes"> founders
(members, shareholders);
3) existence of reasons for excluding information about micro-finance
company from the state registry style="mso-spacerun:yes"> organizations
parts 1-1 and (or) 1-3 of this article
(Part 1-6 of the Federal Act of December 29, 2015). N
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, comes into force on March 30, 2016)
1-7. days days days style="mso-spacerun:yes"> Exceptions
about Microfinance Company from the state registry
microfinance organizations in the case of Parts 1-1 and
(or) 1-3 of this Articles, This Legal
submit documents to the Bank of Russia and information,
presence of or No from this legal person
loan contracts before by individuals in individual entrepreneurs, are not the founders
(participants, shareholders) (part 1-7 introduced by the Federal style="mso-spacerun:yes"> of 29 December style="mso-spacerun:yes">
Russian Federation, 2016, N 1, st. 27, comes into force on March 30
2016).
1-8. If the Microfinance company has
contracts of the loan before the physical persons in
individual entrepreneurs, are not its founders
(members, shareholders), on exception to this
microfinancial company from the public of the registry
microfinance organizations in the case of Parts 1-1 and
(or) 1-3 of this article, as well as non-submitted documents
and supporting information style="mso-spacerun:yes"> or absence for this
legal entity of loan obligations before physical
faces, in style="mso-spacerun:yes"> number individual entrepreneurs, not
founding members (shareholders), in order,
Installed 1-7 This article, is a legal person
must be resolved as required by 7-1
true Federal Law, if it is recognized bankrupt
-in accordance with the requirements of the Federal Law of 26 style="mso-spacerun:yes"> October
2002 N 127-FZ " O bankruptcy " (part 1-8)
provided by the Federal Act from 29 December 2015 N 407-FZ
{ \cs6\f1\cf6\lang1024
}
{ \cs6\f1\cf6\lang1024 } Russian Federation Law{ \cs6\f1\cf6\lang1024
} 27,
takes effect from March 30, 2016.
1-9. The reasons for applying measures
bankruptcy prevention of a microfinancial organization style="mso-spacerun:yes">
The Bank of Russia's recovery plan Capacity to Payif it complies with the requirements of the Federal Law of 26
October 2002 n 127th-FZ "On insolvency (bankruptcy)" and
Bank Regulations of the Bank of Russia and before the end of s
specified in plan to restore its solvency, the Bank of Russia
may not apply to microfinance measures
impact for violation standards,
true federal law and normative acts style="mso-spacerun:yes"> Bank of Russia
(part 1-9 ) style="mso-spacerun:yes"> Federal by the law of December 29, 2015
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, enters into force since March 30, 2016).
2. Elimination of State Legal Information from
Registry of Microfinance based on other reasons,
exception to grounds specified in Parts 1 and 1-1 of this Article,
is not allowed (in the Federal Act of December 21, 2013). N
375-FZ-Legislative Assembly of the Russian Federation Federation, 2013, N
51, article 6695)
2-1. exception of the legal face from
the state registry of microfinance organizations is located in
maintenance ,
legal of the person, excluded from the public registry
microfinance organizations, information-telecommunications
Internet (part 2-1 Federal
December 2013 N 375-FZ-Law Assembly of the Russian Federation
Federation, 2013, N 51,
6695.3. Elimination of State Legal Information from
Registry of Microfinance organizations can be appealed in
Judicial Order
4. A legal person is considered to be excluded from
Registry of the microfinance organization from the day of the Bank of Russia's adoption
exception from public of registry Microfinance (in ) Federal Law of 29 June 2015 N 210-FZ - Meeting Russian legislation, 2015, 4001)
5. In the exception of the legal
state registry of microfinance organizations based on,
specified in Part 1, paragraph 1, and of the 1-1 of this all
earlier prisoners are style="mso-spacerun:yes"> legal microloans
reserves the strength of the Federal Act of December 21, 2013. N
375-FZ -Collection of Russian legislation, 2013, N
51, article 6695)
6. In case of loss of the legal person of the status of the microfinance
this legal directs to the Bank of Russia in
time, set by by the Bank style="mso-spacerun:yes"> Russia, evidence of about
Legal public registry
Microfinance in matches
public of registry Microfinance (Part 6
provided by Federal by law style="mso-spacerun:yes"> December N 375-FZ-
Russian Law Assembly, 2013, N 51, st.
6695).
Article 7-1: Liquidation of a legal entity
Microfinance Company Activity,
on the initiative of the Bank of Russia (forced
liquidation)
1. The Bank of Russia style="mso-spacerun:yes">
getting and
legal of the person, activity
microfinance company, excluded from
public registry of the microfinance Organizations, in
Parts 1-1 and (or) 1-3 Article 7 of this
Federal of the law, on
onindividuals, including individual entrepreneurs,
is not a founding member (members, shareholders), or in
failure to submit the specified legal entity to the Bank of Russia
such documents and information in the order, of the installed parts 1-7
Article 7 of this The Federal law,
arbitration with the legal of the person
activity in the companies
(further- Statement of the Bank forced liquidation
microfinancial company), with the exception of if on
exception to from public of the [ [ Microfinance]]
at Microfinance signs
insolvency (bankruptcies), The Federal
Law of October 26, 2002 N 127-FZ " On insolvency
(bankruptcy).
2. If of the public { \ } style="mso-spacerun:yes"> registry
Microfinance organizations for legal entity information, specified
Part 1 of this article, of this The legal of the person
signs of insolvency (bankruptcy), provided
Federal By Law style="mso-spacerun:yes"> October 26 2002 N 127-FZ
"About insolvency (bankruptcy)", The Russian
arbitration court with a declaration of recognition of this legal
insolvent (bankrupt) in order, established by
Law of October 26, 2002 N 127-FZ " On insolvency
(bankruptcy).
3. The arbitration court considers the statement of the [ [ Bank of Russia]]
forced liquidation of a microfinance company according to
rules, set by The arbitration
Russian Federation, , and with considerations
real article. Statement by Bank of forced
Eliminations of Microfinance The company is considered Arbitration
court for a period not exceeding one month from the date specified
statements.
4. The arbitral tribunal shall decide on the liquidation of the legal entity
person who acted as a microfinance company,
and trustee of this legal person, if will
set to have indications of style="mso-spacerun:yes"> insolvency (bankruptcy)
Microfinance Company for Day exception from
public of registry
Consideration of the Bank of the Russian Federation Statement forced liquidation
microfinancial company preliminary court meeting,
envisaged Arbitration procedural Russian code
Federations, not conducted.
5. The court directs to the Eliminations
legal of the person, activity
microfinance company, in delegate
registering The organ that is public
register of legal entities that the specified legal entity
is in the process of liquidation.
(Article 7-1 was introduced by Federal Law of December 29, 2015 style="mso-spacerun:yes"> g
N 407-FZ-Assembly of Russian legislation, 2016, N
1, st. 27, comes into force on March 30, 2016)
Chapter 3: Procedure for the implementation of activities
microfinance organizations
Article 8: Basic conditions for the provision of microloans
microfinance organizations
1. Microloans are provided by microfinance organizations in
Russian Federation in with by law
Russian Federation based on Microloan Treaty.
2. The Order of Microloans
set microfinance in in rules
providing microloans, Control Authority
microfinance organization.
3. The rules for providing microloans must be available
all faces style="mso-spacerun:yes"> basic conditions
Microloans, in the number in required
must contain the following information:
1) Order of the a microloan
order of review;
2) Order of Conclusion of microloan and order
providing a payment schedule to the borrower;
3) Other Conditions, internal documents
Microfinance and s s
microloan.
4. The microloan contract can be provided with
microfinancing target of the microloan c
simultaneous by providing Microfinance organization
control for the use of a microloan
laying on of the borrower style="mso-spacerun:yes"> the option to provide
such control.
5. Microloans may not
set conditions that define parties ' rights and obligations by
contract of the microloan. In the rules
providing microloans conditions, contrary to
contract of the microloan, with the borrower, is used
location of the microloan contract.
Article 9: Rights and responsibilities of the microfinance organization
1. Microfinance organization right:
1) prompt for style="mso-spacerun:yes"> the person of the applicant
microloan, documents, and information required to resolve the
providing microloan and performance obligations
microloan, in the order and conditions that are set rules
granting microloans;
2) motivated to refuse to conclude the contract microloan;
3) implement style="mso-spacerun:yes"> microfinance activity other
with accounting style="mso-spacerun:yes"> restrictions, of
Federal Law, Other Federal Laws and Constitutive
documents, including Other and Other
in order, federal laws
constituent documents;
4) Involt money and (or)
loans, voluntary contributions and donations,
as well as in other forms not prohibited by federal laws, taking into account
constraints, of Article 12 (1) of the present
Federal Law;
5) have different rights according to with federal laws
other normative legal style="mso-spacerun:yes"> acts, normative acts of the Bank
Russia, Constituent
contracts for of microloans (in Federal Act of 23 July 2013
g. N251-FZ-Assembly of Russian legislation, 2013,
N 30, article 4084). 2. Microfinance organization is obligated: 1) provide to the person, the request
microloan, full and reliable information about order and conditions providing a microloan, its rights and responsibilities related to receiving a microloan; 2) place a copy of the microloan rule in the area, available for style="mso-spacerun:yes">
stakeholder and on the Internet;
3) Inform the person style="mso-spacerun:yes"> requisied
microloan, before Get the on the contract
microloan, about features of and conditions
Microfinance Initiative and The borrower, for the list, and
size of all payments, related services and
return of the microloan, style="mso-spacerun:yes">
microloan;
4) guarantee operations
borrowers. All employees of the microfinancial organizations are required
keep secret about the operations of the borrowers of a microfinance organization,
a on the other information
microfinancialorganization, except for Federal
laws;
5) expose an unlimited number of people style="mso-spacerun:yes">
significant (direct or indirect) impact on solutions,
by organization, in
order established by constituent documents
5-1) Inform the person, applicant in microfinance
organization on providing a microloan, to
microloan that this microfinance organization is included in
public registry
request to provide a copy of the document, of the confirmation style="mso-spacerun:yes">
Legal public registry
{ \cs6\f1\cf6\lang1024 } { \cs6\f1\cf6\lang1024 }
{ \cs6\f1\cf6\lang1024
} style="mso-spacerun:yes">
of 21 December style="mso-spacerun:yes"> 2013 N 375-FZ - Collection legislation
Russian Federation, 2013, N 51, est. 6695);
5-2) provide The ability to provide in the Bank of Russia
electronic documents, style="mso-spacerun:yes"> also the chance to get from the Bank
Russian Federation Documents in order, by the bank
Russia (item 5-2) introduced by Federal Law of 13 July 2015 style="mso-spacerun:yes"> N
231-FZ -Collection of Russian legislation, 2015, N
29, article 4357);
5-3) observe Economic standards, installed
true federal law and normative acts style="mso-spacerun:yes"> Bank of Russia
( 5-3 ) style="mso-spacerun:yes"> Federal by the law of December 29, 2015
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, enters into force since March 30, 2016);
6) carry other matches
laws, other regulatory legal acts, regulations Acts
Bank of Russia, of the constituent style="mso-spacerun:yes"> documents and conditions of prisoners
contracts for the microloan (under Ed. Federal Act of 23 July 2013
N 251-FZ-Assembly of Russian legislation, 2013, N
30, article 4084).
Article 10: Rights and obligations of the applicant
Microfinance Microloan
organization
1. Person, of the request for to provide the microloan style="mso-spacerun:yes"> in
microfinance organization, right:
1) familiarize with microloans rule
approved microfinance organization;
2) receive complete and reliable information style="mso-spacerun:yes"> and
provisioning Microloan, including all
payments, related with receipt, service and return
microloan.
2. Person, of the request for to provide the microloan style="mso-spacerun:yes"> in
microfinance organization, is required to represent and
information requested by the microfinance organization according to
with Part 1, article 9, paragraph 1 of this Federal Law, Other
federal laws and regulations for granting microloans,
required for microfinancial organization
requirements set by federal laws.
3. Person, of the request for to provide the microloan style="mso-spacerun:yes"> in
microfinance organization, has different rights and can style="mso-spacerun:yes">
responsibilities according to federal laws.
Article 11. Borrower's rights and obligations
1. An Borrower has the right to dispose of the money
received by of the the microloan, in order and
which are specified as a microloan contract.
2. An Borrower must represent and information,
requested microfinance in in with
Part 2 of Article 10 of this Federal Law.
3. Borrower has other rights and may have other duties in
matches with Federal and conditions
microloan contract.
Article 12: Limitations of Microfinance
organizations
Microfinance organization is not right:
1) Involt money physical
constraint does not extend to fundraising
individuals:
(a) of the founding members (members, shareholders)
microfinance organization;
b) The money in the of the prisoner
one with the microfinance loan organization
sum of one million five hundred thousand roubles and more, on condition, style="mso-spacerun:yes">
main of debt Microfinance in front of
haemoji is not style="mso-spacerun:yes"> to be less than one million 500
thousands of roubles for the duration of the specified contract (in
The Federal Law of December 21, 2013 N 375-FZ-Assembly
Russian legislation, 2013, N 51, article 6695);
in) acquiring Microfinance Bonds
par value of more than one million five hundred style="mso-spacerun:yes"> rubles
every, and also qualified
investors in accordance with the securities market legislation
and purchased bonds microfinancial organizations,
for Investor (subpara.
provided by Federal Law from N 375 -FZ -
Assembly Legislation of the Russian Federation, 2013, N 51, st.
6695);
2) be a guarantor for the obligations of the founders
members, members, shareholders), Other Other
enforce the obligations of these persons;
3) Without pre- control
microfinance organization about approves transactions
make transactions, related with or
alienating a microfinance-owned organization
property or Other
Property of Microfinance Organization by Ten and more
% of the book value of the assets of the microfinance organization,
specified by data (financial) accounting
microfinance organization Last reporting period. Deal
microfinance organization, committed with violation of
requirements, can be recognized for
microfinance organization or at least one third of
members, members, (...) (...) Federal
Act of 21 December 2013 N 375-FZ- legislation
Russian Federation, 2013, N 51, est. 6695);
4) issue foreign currency loans;
5) in unilaterally Change Interest Rates and (or)
order style="mso-spacerun:yes"> micro-loans, commission
{ \b}{ \b}{ \b}
6) apply to the borrower, being a natural person, in to individual entrepreneu, ahead of schedule or partially-refunded microloan amount and beforehand in writing style="mso-spacerun:yes">
microfinance organization is not less ten calendar
days, penalties for early repayment of microloan;
7) implement all kinds of Professional activity
securities market;
8) grant to the borrower style="mso-spacerun:yes"> microtab ( if amount
main of the borrower's debt style="mso-spacerun:yes"> before the microfinance organization
microloan treaties in case to provide such a microloan
(microloans) will exceed one million rubles (in Russian )
Act of 21 December 2013 N 375-FZ- legislation Russian Federation, 2013, N 51, est. 6695)
Article 13: Microfinance risk insurance
and Trust Funds
1. Microfinance organization is entitled to insure that emerging in
risks, the risk of the liability
breach contract, in mutual insurance and insurance
organizations, with the exception style="mso-spacerun:yes"> organizations in
microfinancial organization is the parent of (participant,
Theshareholder.) The choice of mutual insurance company and/or insurance
is control control
microfinance organization.
2. The Microfinance organization can create targets
funds, order of the
internal regulations of a microfinance organization. Chapter 4: Regulation and supervision of activities
microfinance organizations (Name in Fred) of the Federal Act style="mso-spacerun:yes"> July 2013 N
251-FZ -Collection of Russian legislation, 2013, N
30, article 4084)
Article 14. Regulation and supervision of activities
microfinance organizations
(name in Federal Law of 23 July 2013 N
251-FZ -Collection of Russian legislation, 2013, N 30, article 4084) 1. The State authorities, The Bank of of the Russian Federation style="mso-spacerun:yes"> organs
local self-government is not to interfere in Activities
microfinancial organizations, for exceptions
federal laws style="mso-spacerun:yes"> Federal Law
dated July 23, 2013 N 251-FZ-Legislative Assembly Russian
Federation, 2013, N 30, st. 4084).
2. Managing Microfinance Organizations
is implemented by the Bank of Russia. Federal Act of 23 July
2013 N 251-FZ-Legislative Assembly of the Russian Federation Federation,
2013, N 30, article 4084).
3. The performs the (in the red
Federal Law style="mso-spacerun:yes"> July 2013 N 251-FZ Collection
Russian legislation, 2013, N 30, sect. 4084):
1) leads public registry microfinance organizations and
self-regulating organizations of microfinance organizations in order,
given of this Federal by law, by other federal states The Bank's
laws and regulations Federal Act of the Russian Federation
23 July 2013 g. N 251-FZ-Legislative Assembly of Russian
Federation, 2013, N 30, st. 4084);
2) gets from microfinancial organizations needed
information about their activities, and the accounting (finance)
reporting, performs Microfinance
requirements, the Federal
law, by other federal and Other laws
legal acts, normative Bank of Russia (in
Federal Law style="mso-spacerun:yes"> 30 November 2011 N 362-FZ
Russian federation legislation, 2011, N 49, st. 7040;
Federal Law style="mso-spacerun:yes"> July 2013 N 251-FZ Collection
legislation Russian Federation, 2013, N 30, st. 4084;
Federal Law style="mso-spacerun:yes"> 21 December N 375-FZ-Assembly
Russian legislation, 2013, N 51, article 6695);
3) interacts with style="mso-spacerun:yes"> self-regulating organizations
microfinance organizations.
4. With regard to the microfinance organization, the Bank of Russia
Federal Law style="mso-spacerun:yes"> July 2013 N 251-FZ Collection
Russian legislation, 2013, N 30, sect. 4084):
1) requests and obtains information about financial-economic
Activities of Microfinance Organizations in Organ state
statistics, federal The executive authority,
State Registration of Legal Persons, Other
State control and oversight bodies;
2) requests and gets information about microfinancial
organization from a single public legal entity;
3) provides match about to the microfinance
organization in micro-finance organizations registry
information about the specified organization in a single public registry
legal entities, including information about dismantling an organization;
4) performs an activity compliance check micro-financial
requirements Federal of the law, others
federal laws and other regulatory legal acts, Normative
Acts of of the Bank of Russia in the order, style="mso-spacerun:yes"> approved by the Bank of Russia (to the red.
Federal Act of 30 November 2011 g. N 362- -Collection
legislation Russian The Federation, 2011, N 49, st. 7040;
Federal Law of 23 July 2013 N 251-FZ - Meeting
Russian legislation, 2013, N 30, sect. 4084);
5) installs numeric and and
implements control for compliance with economic standards
sufficiency of of own and liquidity of micro-financial
organizations, attracting money style="mso-spacerun:yes">
legal persons as loans, and microfinance organizations
producing and hosting bonds, installs for
microfinancial of the order of the reserves on
potential loss on loans (in Federal
December 2013 N 375-FZ-Law Assembly of the Russian Federation
Federation, 2013, N 51, article 6695);
5-1 for Microcredit company, attracting money
Physical faces, number individually
entrepreneurs, that are founders (participants,
shareholders), , and (or) legal loans, can
set the following economic standards:
(a) the adequacy ratios your own tools;
b) liquidity ratios;
(Paragraph 5-1 was introduced by Federal Law of December 29, 2015 style="mso-spacerun:yes"> N
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, comes into force on March 30, 2016)
5-2) for microfinance style="mso-spacerun:yes"> company, attracting money
Physical faces, number individually
entrepreneurs, , and (or) legal loans, and
microfinance company, of and location
bonds, can set the following economic standards:
(a) your own funds level;
b) liquidity ratios;
in) the maximum risk size on One Borrower or group
Related Borrowers;
g) the maximum risk size on Linked with the Microfinance
company (group of persons connected to a microfinance company);
d) types and dimensions of other financial risks;
(Paragraph 5-2 was introduced by Federal Law of December 29, 2015 style="mso-spacerun:yes"> N
407-FZ-Russian Federation Law Assembly, 2016, N 1,
27, comes into force on March 30, 2016)
5-3 for microfinance style="mso-spacerun:yes"> enterprise organization
funding can set different from others micro-financial
organizations of value of economic standards style="mso-spacerun:yes"> ( 5-3 )
Federal By Law style="mso-spacerun:yes"> 29 December 2015 N 407-FZ
Russian legislation, 2016, N 1, article 27, joining
since March 30, 2016);
5-4) performs control style="mso-spacerun:yes"> microfinance
economic standards ( 5-4 )
Federal Act of December 29, 2015 g. N 407-FZ -Collection
Russian legislation, 2016, N 1, article 27, joining
since March 30, 2016);
5-5) installs The method of the native means
(capital) of a microfinance company (item 5-5 introduced style="mso-spacerun:yes"> Federal
Act of December 29, 2015 N 407-FZ-Assembly in legislation
Russian Federation, 2016, N 1, st. 27, comes into force on March 30
2016);
6) requires the { \cs6\f1\cf6\lang1024 } in the organization's microfinance organization
remediating identified violations
7) gives microfinance style="mso-spacerun:yes"> organizations for
Orders about violations found
set to form, style="mso-spacerun:yes"> and direction, , and
executing instructions for elimination of identified violations (in red
Federal Law style="mso-spacerun:yes"> June N 210 FZ Collection
Russian legislation, 2015, 4001);
7-1) has style="mso-spacerun:yes"> to set to disable
Attracting of Money style="mso-spacerun:yes"> matches
Article 12, paragraph 1 (b), of this Federal Law inat least one of the following:
a) The Microfinance organization
standards required by paragraph 5 of this Part;
b) microfinancial organization
1 1, 2, 6 and 7 12 of the present
Federal Law;
in) Expired style="mso-spacerun:yes"> commitments
microfinance organization in with with "b"
1 style="mso-spacerun:yes"> 12 of the law
physical persons;
(Paragraph 7-1 by Federal Law of 29 June style="mso-spacerun:yes"> June 2015 N
210-FZ -Collection of Russian legislation, 2015, N
27, Text 4001)
7-2) form, timeline style="mso-spacerun:yes"> and order of and
executing the order of the item 7-1 parts,
set regulatory The Bank of Russia's act (item 7-2)
Federal Law of 29 June 2015 N 210-FZ - Meeting
Russian legislation, 2015, 4001);
(Item 7-2 will lose ) style="mso-spacerun:yes"> 30 March 2016 on
Federal Law style="mso-spacerun:yes"> 29 December 2015 N 407-FZ - Meeting
Russian legislation, 2016, N 1, article 27)
7-3) directs Microfinance order organization
Mandatory for execution, also requests documents
required to resolve issues that are within the purview of the Bank
Russia. Bank of Russia's orders and requests are routed through
mail, fax, or delivery to a recipient or
in form of electronic documents, signed enhanced
qualified electronic signature in order, installed
Bank of Russia. When sending directions and requests from the Bank Russia
in the electronic of the and requests
treated as by one day off
destination in order, set by the Bank Russian, at
condition, that the Bank of Russia received confirmation of receipt specified
requirements and requests in the specified order (para. 7-3 entered
Federal By Law style="mso-spacerun:yes"> July 2015 N 231-FZ Collection
Russian legislation, 2015, 4357);
8) excludes style="mso-spacerun:yes"> from
public registry of the microfinance in cases
provided by this Federal Law Federal
Act of 21 December 2013 N 375-FZ- legislation
Russian Federation, 2013, N 51, est. 6695);
9) performs other rights to with
Law
5. Microfinance organization has the right to challenge the action
(inaction) of the Bank of Russia in an arbitral tribunal style="mso-spacerun:yes"> location
{ \cs6\f1\cf6\lang1024
} { \cs6\f1\cf6\lang1024
}
{ \cs6\f1\cf6\lang1024 } Micro-Financial July
2013 N 251-FZ-Legislative Assembly of the Russian Federation Federation,
2013, N 30, article 4084).
Article 15. Accountability for microfinance organizations
Microfinance organizations are required to provide quarterly, as well as at
directions to Bank of Russia for exclusion of their information from
state registry of microfinance organizations to represent in
Russians documents, report on the microfinance
and About personal composition of their governing bodies.
Forms and Date of the documents are defined
Bank of Russia style="mso-spacerun:yes"> Federal Act of July 23, 2013
251-FZ-Legislative Assembly of the Russian Federation, 2013, N
30, , 4084; Federal Act of June 29, 2015 N 210-FZ-
Russian Federation Law Assembly, 2015, N 27, st.
4001).
Article 16. Relationships between microfinance organizations and
Credit History Bureau
Information required by for stories
legal entities and style="mso-spacerun:yes"> individual
entrepreneurs, is represented by by microfinance organizations in
relation borrowers style="mso-spacerun:yes"> credit history,
included in state credit history registry in
order and under the conditions provided by the Federal Act
30 December N 218-FZ "O credit stories"
Federal Law of 28 June N 189-FZ - Meeting
Laws of the Russian Federation, 2014, No. 3395).
Chapter 5: Final provisions
Article 17. Entry into force of this Federal Law
This Federal Law takes effect on the expiration
80 days after its official publication.
President of the Russian Federation style="mso-spacerun:yes"> Dmitry Medvedev
Moscow, Kremlin
2 July 2010
N 151-FZ
