RUSSIAN FEDERATION FEDERAL LAW amending Article 29 of the Federal Law "On Banks and Banking Activities" Adopted by the State Duma on 27 January 2010 Approved by the Federation Council on 3 February 2010 Article 1 Article 29 (as amended by the Federal Act of 3 February 2003) The Congress of People's Deputies of the RSFSR and the Supreme Soviet of the RSFSR, 1990, 357; Legislative Assembly of the Russian Federation, 1996, No. 6, art. 492; 2007, N 45, sect. 5425) the following changes: 1) Part One: " Interest rates on loans and (or) how they are defined, including the determination of the interest rate on the loan as a function of change The terms of the loan contract, the interest rate on deposits (deposits) and the commission of transactions are set by the credit institution by agreement with the customers, unless otherwise provided by the federal law. "; 2) Part Two should be redrafted to read: " A credit organization does not have the right to unilaterally change interest rates on loans and (or) how they are defined, interest rates on deposits (deposits), commissions ' fees and the duration of these contracts with clients- by individual entrepreneurs and legal entities, except in cases provided for by a federal law or a contract with a client. "; 3), to be completed with Part Four, as follows: " By a credit agreement, detained with the borrower-citizen, the credit institution cannot in unilaterally reduce the duration of the contract, increase the size of interest and (or) change the order in which they are defined, increase or establish commissions for operations, except as provided for by the federal by law. ". Article 2 1. The law enters into force 30 days after its official publication. 2. The provisions of article 29, paragraphs 2 and 4, of the Federal Law on Banks and Banking (as amended by the Federal Law) apply to legal relations arising from treaties concluded after the date of entry into force of this Federal Act. President of the Russian Federation Dmitry Medvedev Moscow, Kremlin 15 February 2010 N 11-FZ
