RUSSIAN FEDERATION FEDERAL LAW amending certain pieces of legislation of the Russian Federation in connection with the adoption of Federal Law "About the national payment system" Adopted by the State Duma on June 14, 2011 class="ed">(In federal editions) Laws of 18.07.2011 N 242-FZ; of 03.12.2011 N 383-FZ; of 06.12.2011 N 401-FZ; dated 23.07.2013 N 251-FZ; dated 02.04.2014. N 52-FZ; of 22.12.2014 N 432-FZ) Article 1 Amend the federal law "About banks and banking activities" (as amended) Federal Law of 3 February 1996 N 17-FZ) (Statements of Congress of People's Deputies of the RSFSR and the Supreme Soviet of the RSFSR, 1990, N 27, sect. 357; Legislative Assembly of the Russian Federation, 1996, No. 6, art. 492; 1998, N 31, sect. 3829; 1999, N 28, sect. 3459, 3469; 2001, N 26, st. 2586; N 33, st. 3424; 2002, N 12, st. 1093; 2003, N 27, sect. 2700; N 52, sect. 5033, 5037; 2004, N 27, sect. 2711; 2005, N 1, est. 45; 2006, N 19, sect. 2061; N 31, st. 3439; 2007, N 1, est. 9; N 22, est. 2563; N 31, st. 4011; N 41, est. 4845; N 45, sect. 5425; 2009, N 9, stop. 1043; N 23, est. 2776; N 30, est. 3739; N 48, sect. 5731; N 52, 6428; 2010, N 8, Art. 775; N 19, ist. 2291; N 27, est. 3432; N 30, est. 4012; N 31, st. 4193; N 47, sect. 6028; 2011, N 7, sect. 905) the following changes: 1) Part 3 of Article 1, amend to read: " Non-bank credit organization: 1) credit institution authorized to perform exclusively banking operations, as referred to in paragraphs 3 and 4 (only in respect of bank accounts of legal entities in connection with the transfer of funds without opening bank accounts) as well as in paragraph 5 (only in connection with the transfer of funds without opening of funds) and paragraph 9 of Part I of Article 5 of this Federal Act (hereinafter referred to as the non-bank credit institution entitled to carry out cash transfers without opening bank accounts and related banking transactions); 2) the credit institution entitled to exercise Individual banking operations under this Federal Act. The permissible combinations of bank operations for such non-bank credit institution are set by the Bank of Russia. "; 2) in article 5: (a) in Part One: in paragraph 4, the word" settlements "shall be replaced by" translations "(9) Implementation of transfers of funds without opening bank accounts, including electronic money (excluding postal transfers)."; (b) to be supplemented by a seventh reading: "Transfers of funds without opening of bank accounts, excluding transfers of electronic funds, are carried out on behalf of individuals."; 3) in the second article 11, third sentence, to read as follows: Revision: " The minimum size of the statutory capital of the newly registered non-bank credit institution, applying for a licence for non-bank credit organizations entitled to carry out money transfers without opening bank accounts and related banking transactions, on the day of submission Applications for state registration and issuance of a license for banking operations are fixed at RUB 18 million. ", add the following sentence:" Minimum size of the authorized capital of the newly registered The non-bank credit institution, which does not apply for the specified licenses, on the day of submission of the application for state registration and issuance of a license for banking operations, is set at RUB 18 million. "; (4) In article 13, paragraph 1, of the words " article 13, paragraph 1, of the The Federal Act "Replace the words" in the Federal Act on the National Payment System; (5) Article 13-1 to declare lap-day; 6) in article 14: (a) to supplement subparagraph 9 as follows: " 9) Proforma candidates for the position of sole executive body and chief accountant of the non-bank credit institution entitled to carry out transfers of funds without opening bank accounts and related accounts Banking. The questionnaires are filled in by these candidates in their own hands and must contain information provided by Bank of Russia regulations, as well as information: on the availability of higher professional education (with a copy of the Bank of Russia). ); on the presence of (no) criminal record. "; b) to supplement the second reading: " The provisions of subparagraph 8 of part one of this article do not apply to the case of documents for State registration Non-bank credit institution entitled to carry out cash transfers without opening bank accounts and related banking transactions and obtaining a banking licence. "; 7) Part Two of Article 15, as follows: " A decision on the State registration of a credit institution and the issuance of a banking licence or refusal to do so shall be made within a period not exceeding six months from the date of submission of all the present Federal by law, and the adoption of such a decision in respect of a non-bank credit institution with the right to carry out transfers of funds without opening bank accounts and related banking transactions-no more than 3 months. "; 8) paragraph 1 of part 1 of article 16, should be supplemented with the words" (for candidates for the post of the sole executive body and the chief accountant of the non-bank credit institution having the right to exercise Transfer of funds without opening bank accounts and related other Banking, lack of higher professional education) "; 9) in article 26: (a) Part 13, as follows: " Payment system operators may not disclose to third parties about the transactions and accounts of the participants in the payment systems and their customers, except as provided by the federal laws. "; b) to be completed with Part 18: " Operations centres, Payment clearing centers may not disclose information to third parties transactions and accounts of participants in payment systems and their clients received in the provision of operating services, clearing services to participants of the payment system, except for the transfer of information within the payment system, as well as the cases envisaged by federal laws. "; in), supplement the following: " The provisions of this article apply to the transactions of credit institution clients ' operations by bank payments by agents (subagents). "; g) to be added to part of the twentieth The following table of contents: " The provisions of this article also apply to the balances of electronic cash funds of customers of credit organizations and information about the transfer of electronic funds by credit institutions. the order of their customers. "; 10) in article 27: (a) Part one after the words" in the credit institution, "to be supplemented by the words" as well as to the rest of the electronic money "; b) Part Two the following revision: " When the money is seized, Funds held in accounts and deposits, or the balance of electronic money, the credit institution immediately upon receipt of an attachment decision to terminate the disbursement of the account (s) as well as the transfer of electronic money means within the amount of the balance of electronic money that has been seized. "; in) part three, after the words" storage in the credit institution, "to be supplemented with the words" as well as to the rest of the electronic money "; 11) in article 28: a) in part one of the the order of the calculation centers and "delete; b" to supplement the seventh reading: " Credit organizations are entitled to carry out money transfers within payment systems that match The requirements of the Federal Act "On the national payment system"; 12) Part 5 of article 29, after the words "the holder of this card," should be supplemented by the words "or the absence of such remuneration", with the words "or the absence of such remuneration". remuneration. " Article 2 Paragraph 1 of Article 7 of the Russian Federation Law of 21 March 1991 No. 943-I " On taxation authorities of the Russian Federation Russian Federation's Congress of People's Deputies of the RSFSR and the Supreme Soviet of the RSFSR, 1991, 492; Congress of People's Deputies of the Russian Federation and the Supreme Soviet of the Russian Federation, 1992, No. 34, sect. 1966; N 33, st. 1912; 1993, N 12, sect. 429; Legislative Assembly of the Russian Federation, 1999, No. 3484; 2002, N 1, st. 2; 2003, N 21, Text 1957; 2004, 27, sect. 2711; 2005, N 30, sect. 3101; 2006, N 31, 100 3436; 2009, N 29, stop. 3599) complete the following paragraph: " Monitor compliance by payment agents acting in accordance with Federal Act No. 103-FZ of 3 June 2009 on receiving payments by payment agents ", bank payment agents and bank payment subagents working in accordance with the Federal Law" On the National Payment System ", the obligations to surrender to credit organization of cash payments received from payers Cash funds for full credit to their special bank account (accounts), use of payment agents, suppliers, bank payment agents, bank payment subagents of special bank accounts for and to impose fines on organizations and individual entrepreneurs for violations of these requirements. ". Article 3 Part Four of article 37 of the Law of the Russian Federation from 7 February 1992 N 2300-I "On the protection of consumer rights" (in the wording of the Federal Act of 9 January 1996 No. 2-FZ) (Bulletin of Congress of People's Deputies of the Russian Federation and of the Supreme Soviet of the Russian Federation, 1992, N 15, art. 766; Legislative Assembly of the Russian Federation, 1996, N 3, sect. 140; 1999, N 51, sect. 6287; 2004, N 52, sect. 5275; 2006, N 31, 100 3439; 2009, N 23, sect. 2776) after the words "bank payment agent" add the word "(subagent)". Article 4 (Spent the Federal Law dated 23.07.2013 N 251-FZ) Article 5 Article 1 of the first Tax Code of the Russian Federation (Legislative Assembly Russian Federation, 1998, No. 31, sect. 3824; 1999, N 28, sect. 3487; 2000, N 2, st. 134; 2003, N 27, sect. 2700; N 52, sect. 5037; 2004, N 27, sect. 2711; N 31, st. 3231; 2005, N 45, sect. 4585; 2006, N 31, 100 3436; 2007, N 1, est. 28, 31; N 18, sect. 2118; 2008, N 26, sect. 3022; N 48, sect. 5500, 5519; 2009, N 52, stop. 6450; 2010, N 31, sect. 4198; N 45, sect. 5752; N 48, est. 6247; N 49, sect. 6420; 2011, N 1, st. 16) the following changes: 1) (Spspent force-Federal Law of 02.04.2014. N 52-FZ (2) Article 45, paragraph 3, add 1 to 1 as follows: " 1-1) from the moment a physical person has been transferred to a bank to transfer to the budget system of the Russian Federation The account of the Federal Treasury without opening a bank account of funds provided to the bank by a natural person, provided they are sufficient for the transfer; "; (3) in article 46: (a) the name to be supplemented with the words", and of his electronic money "; b), paragraph 1 In the words "and its electronic money"; in the second paragraph of paragraph 2, after the words "individual entrepreneor", add the words " as well as the instructions of the tax authority for the transfer of the taxpayer's electronic money (tax agent)-the organization or individual entrepreneur; "; g) to supplement paragraph 6-1 as follows: " 6-1. If there is insufficient or no money in the accounts of a taxpayer (tax agent), an organization or an individual entrepreneor, the tax authority is entitled to collect a tax on electronic money. Tax collection by electronic means of the taxpayer (tax agent)-the organization or individual entrepreneor is made by way of sending to the bank in which the electronic funds are located, the commission of the tax authority to transfer electronic funds to the account of the taxpayer (tax agent)-the organization or individual entreprenein in the bank. The transfer of the tax authority to the transfer of electronic moneys should indicate the details of the corporate electronic means of payment of the taxpayer (tax agent)-the organization or individual entrepreneor, c The use of which should be effected by the transfer of electronic funds, the indication of the amount to be transferred, as well as the details of the account of the tax payer (tax agent)-the organization or individual entrepreneu. The tax may be offset by the balances of electronic cash in rubles and, if they are not sufficient, from the balances of electronic money in foreign currency. In the collection of the tax from the remains of electronic moneys in foreign currency and the instructions of the tax authority to transfer the electronic currency of the currency account of the taxpayer (tax agent)-the organization or The bank carries out the transfer of electronic moneys to this account. When the tax is recovered from the remains of electronic money in foreign currency and the instruction of the tax authority to transfer the electronic cash funds of the taxpayer (tax agent) account-the organization or The individual entrepreneor (deputy head) of the tax authority, at the same time as the tax authority for the transfer of electronic money, directs the bank for sale not later than the following day the currency of the taxpayer (tax agent)-the organization or an individual entrepreneor. The costs associated with the sale of foreign currency are carried out at the expense of the taxpayer (tax agent). The Bank carries out the transfer of electronic money to the ruble account of the taxpayer (tax agent)-the organization or individual entrepreneu in the amount equivalent to the amount of payment in rubles at the rate of the Central Bank of Russia. The Federation established on the date of the transfer of electronic funds. When insufficient or no electronic money is available to the taxpayer (tax agent)-the organization or individual entrepreneum on the day the bank receives an order from the tax authority to transfer electronic money Such an instruction shall be executed as the electronic money is received. The transfer of the tax authority to the transfer of electronic funds shall be performed by the bank not later than one operating day, following the day of receipt of the specified order, if the tax is collected from the remaining balance Electronic money in roubles, and no later than two operating days, if the collection is made at the expense of electronic money in foreign currency. "; d), paragraph 7 should read: " 7. If there is insufficient or no money in the accounts of the taxpayer (tax agent)-the organization or individual entrepreneer or his electronic money, or in the absence of information about the taxpayer's accounts (tax agent)-the organization or individual entrepreneor or information about the details of its corporate electronic means of payment used for the transfer of electronic funds, the tax authority is entitled to collect the tax on the account other property of the taxpayer (tax agent)-an organization or of an individual entrepreneor in accordance with article 47 of the present Code. "; (e) paragraph 8, in addition to the words" or suspension of transfers of electronic money transfers "; 4) in article 48: (a) paragraph 1 In paragraph 1, after the words "cash in bank accounts", add ", electronic money that is made with the use of personalized electronic means of payment;"; b) paragraph 5, subparagraph 1, to be completed and electronic money transferred from use of personified electronic means of payment "; 5) article 60, paragraph 3, after" taxpayer's account "to be supplemented with the words" or the balance of its electronic money "; 6) in article 76: a) after the words "in banks" should be supplemented with the words "as well as electronic money transfers"; b) in paragraph 1: paragraph 1 after the words "in the bank" should be supplemented with the words "and electronic money transfers"; add the following paragraph: " Suspension Transfers of electronic money means the bank to cease all transactions involving a decrease in the balance of electronic cash, unless otherwise provided in paragraph 2 of this article. "; in paragraph 2: paragraph 1 after the words "in the bank" is supplemented by the words "and transfers of its electronic money"; paragraph 2, after the words "in the bank", add the words "and transfer of its electronic money"; to add a new paragraph to the fourth paragraph to read: "Suspension of electronic transfers" The monetary funds of the taxpayer-an organization in the case provided for by this paragraph shall mean the bank's termination of operations entailing the reduction of the balance of electronic funds within the amount specified in the decision of the tax authority. "; paragraph 4 should be considered as a fifth paragraph; add the following paragraph: " Freezing of Transfers of Electronic Funds in the Foreign Currency of the Taxpayer-Organization in case of of this paragraph, which means the termination by the bank of operations involving decrease in the balance of electronic funds, within the amount in foreign currency equivalent to the amount specified in the decision of the tax authority, at the rate of the Central Bank of the Russian Federation set at the date of commencement of the operation -suspension of the transfer of electronic funds in foreign currency of the specified taxpayer. "; g) in paragraph 3: the first paragraph after the words" in the bank "should be supplemented with the words" and transfers of its electronic funds "; second paragraph after the words "by accounts" to be supplemented with the words " and translations Electronic money "; d) in paragraph 4: paragraph 1 after the words" in the bank "to be supplemented with the words" and transfers of its electronic money "; paragraph 2, after the word" taxpayer ", to supplement In the words "and transfer of its electronic money"; the third paragraph should read: " Order of sending to the bank in electronic form of a decision of the tax authority on the suspension of transactions in accounts of the taxpayer, the organization in the bank and the transfer of its electronic funds, or The decision to cancel the suspension of transactions on the accounts of the taxpayer, the organization in the bank and the transfer of its electronic funds is established by the Central Bank of the Russian Federation in coordination with the federal executive branch, in the area of taxes and duties. "; paragraph 4, after the words" in the bank ", add the words" and transfers of its electronic money "; paragraph 5 after the words" in the bank "with the words" and of electronic money "; (e) paragraph 5, after the words "transactions on which have been suspended," to be supplemented with the words "as well as the balances of electronic money that have been suspended," supplemented by the words "and the transfer of its electronic money"; , paragraph 6, after the words "in the bank" in addition to the words ", translations of its electronic money"; (c) in paragraph 7: the first paragraph after the words "in the bank" should be supplemented with the words "and transfers of its electronic money", after the words "such operations" should be supplemented by the words ", such translations", "supplemented by the words", the tax authority's decision to cancel (...) (...) (...) If after the decision to suspend the transfer of electronic funds of the taxpayer-the organization in the bank changed the name of the taxpayer-the organizations and/or the corporate electronic means of payment taxpayer-organization, transfer of electronic funds from that the decision of the tax authority has been suspended by the decision of the tax authority is also subject to execution by the bank also against the taxpayer, the organization that changed its name, and the transfer of electronic funds from by using the corporate electronic means of payment with modified props. "; and) paragraph 8 after the words" in the bank "to be supplemented by the words" and the transfer of its electronic money "; c) to supplement paragraph 9-3 of the following table of contents: " 9-3. The provisions of paragraphs 9, 9-1 and 9-2 of this article shall also apply in the case of the suspension of the transfer of electronic funds of the taxpayer-an organization. "; L), paragraph 10, after the words" in the bank "to be supplemented with the words" and translations thereof ". in paragraph 11 of the words "as well as to suspend the transfer of electronic money transfers of designated persons"; , paragraph 12, after the words " "to be supplemented by the words" and the transfer of its electronic money. ", add the words" and grant the organization the right to use the new corporate electronic money transfer payments "; 7) in article 86: a) in paragraph 1: paragraph the first after the words "individual entrepreneurs" add "and grant them the right to use corporate electronic means of payment for money transfers"; paragraph 2 after the words " (individual (...) (...) termination of the right of the organization (individual entrepreneor) to use corporate electronic means of payment for transfers of electronic funds, the amendment of the details of corporate electronic payment means ", the words" opening, to close or modify the details of such an account "to replace the word" events "; with the third sentence after the words" the account "is supplemented by the words", the granting of the right or the termination of the right of the organization (sole proprio) Use corporate electronic payment methods Electronic money, modification of the corporate electronic payment details "; paragraph 4 after the words" account props "with the words", on granting or terminating the right of the organization (sole proprio) use corporate electronic means of payment for transfer of electronic money, repayments of corporate electronic payment "; b) in paragraph 2: paragraph first after the words "(individual entrepreneurs)" should be supplemented with the words ", and "as well as the statement of the second word" and "delete, after the words" in the bank ", add", as well as a statement of remits of electronic money and the transfer of electronic money "; the third paragraph to read: " The information referred to in this paragraph may be requested by the tax authority after the decision to recover the tax, and also in the case of of the accounts of the organization (sole proprio), suspension of transfers of electronic funds or the lifting of the suspension of transactions on the accounts of the organization (sole proprio) and suspension of transfers of electronic funds. "; (c) Paragraph 4 should be supplemented with the words "as well as corporate electronic means of payment of the specified persons used for the transfer of electronic money"; 8) paragraph 1 of Article 102, to be supplemented by subparagraph 6 as follows: " 6) provided to the State Information The system of state and municipal payments, stipulated by the Federal Act of 27 July 2010 No. 210-FZ on the organization of the provision of public and municipal services. "; 9), to supplement article 135-2 with the following content: " Article 135-2. Bank Violation of Responsibilities with electronic money 1. Granting the right to an organization, an individual entrepreneu, a notary public engaged in private practice, or a lawyer who established a lawyer's office, to use a corporate electronic payment system for the transfer of electronic money without the person's presentation of the certificate (s) for registration in the tax authority, but also the provision of the said right, if the bank has the decision of the tax authority to suspend the transfer of electronic funds of this "The fine is 20,000 rubles," he said. 2. Failure to communicate within the prescribed period of time to the tax authority information on the granting (termination) of the right of the organization, the individual entrepreneor, the notary engaged in private practice, or the lawyer who established the lawyer's office, to use Corporate electronic means of payment for transfers of electronic funds, the change of the details of the corporate electronic payment system results in the recovery of a fine of 40,000 rubles. 3. Bank's execution, if it has a decision of the tax authority to suspend the transfer of electronic funds of the taxpayer, the tax payer or tax agent of his commission for the transfer of electronic funds, not related to Enforcement of duties for payment of tax (advance payment), fee, penalty, fine, results in the recovery of a fine of 20% of the amount listed in accordance with the request of the taxpayer, tax payer or tax agent, but not more than the amount owed, and in the absence of debt, in the amount of 20 Thousands of roubles. 4. Undue failure of the bank to transfer the tax authority to the transfer of electronic funds , in accordance with this Code, is to recover a fine in the amount of one estopfiftieth refinancing rate of the Central Bank The Russian Federation, but not more than 0.2 per cent for each calendar day of delay. 5. The Bank's action to create a situation where there is no surplus of the taxpayer's electronic money, the tax payer or the tax agent for which the bank has been instructed by the tax authority A fine of 30 per cent not received as a result of such action. 6. Failure by the Bank to submit balances of electronic cash and transfers of electronic funds to a tax authority pursuant to article 86, paragraph 2, of the present Code and (or) failure to communicate the remits of electronic cash, whose translations have been suspended, in accordance with article 76, paragraph 5, of the present Code, as well as the submission of certificates in violation of a specified period of time or certificates containing false information, Article 136, paragraph 2, of the Constitution of the Republic of the Republic of the Republic of the Republic of the Republic of the Republic of the Republic of " Article 136. The procedure for recovering from fines and penalties Penetrations referred to in articles 132 to 135-2 shall be recovered in a manner similar to the penalties prescribed by this Code for penalties for tax offences. ". Article 6 Please amend the Budget Code of the Russian Federation (Russian Federation Law Assembly, 1998, No. 31, Art. 3823; 2005, N 1, article 8; 2007, N 18, sect. 2117; 2010, N 19, sect. 2291), the following changes: 1) in article 160-1, paragraph 2: (a) to supplement the new paragraph 7 with the following: " provides the information necessary for the payment of monetary funds to natural and legal persons The State Information System on State and Municipal Payments in the State Information System on State and Municipal Payments in accordance with the procedure established by the Federal Act of 27 July 2010 N 210-FZ "Concerning the provision of public and municipal services"; "; b) paragraph 7, paragraph 8; 2) in paragraph 1 of article 166-1: (a) to add a new paragraph 22 to the next paragraph. content: "Create, maintain, develop and maintain the state information system on state and municipal payments;"; b) to supplement paragraph 20 with the following: " establishes by agreement with the Central Bank of the Russian Federation The Federation, in accordance with the Federal Act of 27 July 2010, No. 210-FZ "On the organization of the provision of State and municipal services", the procedure for the maintenance of the State Information System on State and Municipal Payments; " (c) Paragraph 20, second paragraph, read twenty-fourth paragraph. Article 7 (Spconsumed by force-Federal Law of 22 December 2014. N 432-FZ) Article 8 (Deleted-Federal Law 03.12.2011) N 383-FZ) Article 9 OF THE PRESIDENT OF THE RUSSIAN FEDERATION 3418; 2002, N 44, sect. 4296; 2004, N 31, est. 3224; 2006, N 31, st. 3446; 2007, N 16, sect. 1831; N 49, sect. 6036; 2009, N 23, sect. 2776; 2010, N 30, sect. 4007) the following changes: 1) in article 7: a) in paragraph 1-1, the words "identification and identification of the beneficiary" would be replaced by the words "a representative of the customer and (or) the beneficiary"; b) in paragraph 1-2 of the word "Identification and identification of the beneficiary" shall be replaced by the words "the representative of the customer and/or the beneficiary"; in) to supplement paragraph 1 to 4 as follows: " 1-4. Identification of the client-the natural person, the representative of the client and/or the beneficiary is not carried out by the credit institutions, including the use of bank payment agents, transfer of funds without opening bank accounts, including electronic money, if the amount of the transfer does not exceed 15,000 rubles, or the amount in foreign currency equivalent to 15,000 rubles, except in the case of the employees of the credit institution and bank payment systems. The agents are suspected that the operation is being carried out for the purpose of legalization (laundering) of proceeds of crime or the financing of terrorism. "; g) to supplement paragraph 1-5 as follows: " 1-5. The credit institution is entitled to assign, on the basis of the agreement of another credit institution, the organization of a federal postal service, to the bank payment agent the identification of the client-the natural person, the representative of the client and (or) (c) To supplement paragraph 1 with the following: (1) to (6). In the case referred to in paragraph 1 to 5 of this article, the credit institution sponsoring the identification shall be responsible for complying with the identification requirements established by this Federal Law and adopted in accordance with it. by normative legal acts. "; e) to supplement paragraph 1 to 7 with the following content: " 1-7. Credit organizations, federal postal entities responsible for identification, are responsible for failing to comply with the established requirements for identification under this Federal Act. Bank payment agents are responsible for failing to comply with the established identification requirements under a contract concluded with a credit institution. "; c) to supplement paragraph 1-8 as follows: " 1-8. In the event of failure to comply with the established requirements for the identification of a person who, pursuant to paragraph 1-5 of this article, the credit institution has entrusted the carrying out of the identification, shall be liable under the contract concluded with by a credit institution, including the recovery of penalty (fine, penalties). Failure to comply with the established identification requirements may also constitute a basis for the unilateral refusal of the performance of the credit institution's contract with the specified person. "; (c) to supplement paragraph 1 to 9 as follows: " 1-9. Persons charged with carrying out the identification in accordance with paragraph 1 to 5 of this article shall transmit to the credit institution in full the information obtained in the conduct of the identification in the manner provided for in the identification procedure. In accordance with the contract, within the time limit set by the Bank of Russia in agreement with the authorized body. "; and), supplement paragraph 1 to 10 as follows: " 1-10. The credit institution is obliged to report to the Bank of Russia in the established order the information about the persons who the credit institution is assigned to carry out the identification. "; to the paragraph 9 of paragraph 2, the word" recommendations "should be replaced by the word" recommendations ". "requirements"; (2) in article 8: (a) in Part 3 of the word "up to five working days", replace the words "up to 30 days"; b) to supplement a new part of the fourth reading: " By decision of the court on the basis of statements by the authorized body of the transaction on bank accounts (deposits), and Other transactions involving funds or other property of organizations or persons against whom there is information received in accordance with this Federal Act concerning their involvement in extremist activities or Terrorism, or legal persons directly or indirectly owned or controlled by such organizations or persons, or persons or entities acting on behalf of or at the direction of such organization or person shall be suspended until OF THE PRESIDENT OF THE RUSSIAN FEDERATION in the fourth and fifth parts of the fifth and sixth parts respectively; 3) Part 2 of article 10 should be supplemented with the words "or on the basis of the principle of reciprocity." Article 10 Commit to Russian Federation Code of Administrative Offences (Russian Federation Law Assembly, 2002, N 1, Art. 1; N 30, sect. 3029; N 44, st. 4295; 2003, N 27, sect. 2700, 2708, 2717; N 46, st. 4434; N 50, st. 4847, 4855; N 52, est. 5037; 2004, N 31, stop. 3229; N 34, st. 3529, 3533; 2005, N 1, st. 9, 13, 45; N 10, st. 763; N 13, est. 1075, 1077; N 19, st. 1752; N 27, sect. 2719, 2721; N 30, est. 3104, 3131; N 50, sect. 5247; 2006, N 1, sect. 10; N 2, est. 172; N 10, est. 1067; N 12, est. 1234; N 17, est. 1776; N 18, st. 1907; No. 19, sect. 2066; N 23, st. 2380; N 31, st. 3420, 3433, 3438, 3452; N 45, sect. 4641; N 50, sect. 5279; N 52, sect. 5498; 2007, N 1, st. 21, 29, 33; N 16, st. 1825; N 26, est. 3089; N 30, est. 3755; N 31, st. 4007, 4008; N 41, est. 4845; N 43, sect. 5084; N 46, st. 5553; 2008, N 18, sect. 1941; N 20 2251; N 30, sect. 3604; N 49, sect. 5745; N 52, 6235, 6236; 2009, N 7, st. 777; N 23, st. 2759, 2776; N 26, est. 3120, 3122; N 29, 100. 3597, 3642; N 30, stop. 3739; N 45, sect. 5267; N 48, sect. 5711, 5724; N 52, est. 6412; 2010, N 1, st. 1; N 21, sect. 2525; N 23, st. 2790; N 27, sect. 3416; N 28, est. 3553; N 30, sect. 4002, 4005, 4006, 4007; N 31, est. 4158, 4164, 4193, 4195, 4206, 4207, 4208; N 41, sect. 5192, 5193; N 49, sect. 6409; 2011, N 1, st. 10, 23, 54; N 7, st. 901, 905; N 15, stop. 2039; N 17, est. 2310; N 19, 100. 2715) The following changes: 1) in Article 15.1: (a) the name should read: " Article 15.1. Violation of cash cash and cash order operations, as well as violation of requirements for use of special bank accounts "; b) in first paragraph Replace the word "Violation" by " 1. Violation "; in) to add to Part 2, with the following content: " 2. Violation of payment agents acting in accordance with Federal Act No. 103-FZ of 3 June 2009 "On receipt of payments of natural persons by payment agents", bank payment agents and bank payment subagents working in accordance with the Federal Law "On the National Payment System", the obligations to credit the taxpayers receiving cash payments received from taxpayers. funds for credit in full, on their special bank account (accounts), and not use by payment agents, suppliers, bank payment agents, bank payment subagents of special bank accounts to carry out relevant calculations- The fines for officials in the amount of 4,000 to 5,000 rubles; for legal entities-from forty thousand to fifty thousand rubles. "; 2) Chapter 15 to supplement article 15.36 with the following content: Article 15.36. Failure to comply with the Bank of Russia requirement addressed to them in the supervision of the national payment system Redefault by the operator of the payment system, the operating centre, The payment clearing center of the Bank of Russia's regulation of supervision in the national payment system- entails the imposition of an administrative fine on officials in the amount of between 30,000 and fifty 50,000 rubles ($1,500,000); legal entities-from 100,000 rubles to 5,000 rubles ($1,200). "15.33 (except for administrative offences committed by a credit institution),"; 4) in article 28.3: (a), paragraph 81 of Part 2, paragraph 81, should be amended to read as follows: " 81) officials of the Bank of Russia-on administrative offences under article 15.26, paragraphs 1 to 4 of article 15.27, Article 15.36 (except for administrative offences committed by a credit institution). of this Code; "; b) in the first part of paragraph 4 of the word" and The competent authorities of the constituent entities of the Russian Federation "shall be replaced by the words", authorized by the executive authorities of the constituent entities of the Russian Federation and the Bank of Russia "; 5) in article 32.2: (a) Part 3 The following wording: " 3. The amount of the administrative fine is paid or transferred by the person involved in the administrative liability to the credit institution, including with the involvement of the bank payment agent or the bank payment subagent Activities under the Federal Act "On the national payment system", the organization of a federal postal service or a payment agent carrying out activities under the Federal Act of 3 June 2009 N 103-FZ " O Payment activities for the payment of natural persons by agents "."; b) 5 after the words "showing the payment of an administrative fine," to be supplemented with the words "and information on the payment of an administrative fine in the State information system on state and municipal authorities". Payments, "; in) should be supplemented with Part 8, as follows: " 8. Bank or other credit institution, organization of the federal postal service, payment agent carrying out activity of payment of natural persons, or bank payment agent (subagent), carrying out activities in accordance with The federal law "On the national payment system", which is paid the sum of the administrative fine, is obliged to send the information about the administrative penalty immediately after the payment of the administrative fine to the person involved in the administrative liability. Payment of an administrative fine to the State Information System State and municipal payments provided by the Federal Act of 27 July 2010 No. 210-FZ on the organization of the provision of public and municipal services. ". Article 11 class="doclink "href=" ?docbody= &prevDoc= 102148678&backlink=1 & &nd=102077052" target="contents"> dated July 10, 2002 N 86-FZ "On the Central Bank of the Russian Federation" (Russian Federation Law Assembly, 2002, N 28, st. 2790; 2003, N 2, sect. 157; N 52, sect. 5032; 2004, N 27, 2711; N 31, st. 3233; 2005, N 25, 100 2426; N 30, est. 3101; 2006, N 19, st. 2061; N 25, est. 2648; 2007, N 1, est. 9, 10; N 10, st. 1151; N 18, est. 2117; 2008, N 42, sect. 4696, 4699; N 44, sect. 4982; N 52, est. 6229, 6231; 2009, N 1, st. 25; N 29, Art. 3629; N 48, st. 5731; 2010, N 45, 5756; 2011, N 7, est. 907) The following changes: 1) the fourth part of the first article 3 should read: "Ensuring stability and development of the national payment system."; 2) Article 4 add to 4-1 read: "4-1) oversees and monitors the national payment system;"; 3) paragraph 5 of article 13, paragraph 5, to read as follows: " Ensuring stability and development of national Payment system; "; 4) to supplement Article 62-1 of the following Content: " Article 62-1. The Bank of Russia establishes for non-bank credit institutions entitled to carry out transfers of funds without opening bank accounts and related banking transactions, as provided for in paragraph 1 of part three of article 1 The Federal Law "On Banks and Banking Activities", the following mandatory standards: (1) the sufficiency of equity (capital) regulation, defined as the ratio of the sum of its own funds (capital) to the amount of obligations to the on the last reporting date of the quarter. The adequacy of equity (capital) is fixed at 2 per cent; 2) liquidity standard, defined as the ratio of the amount of liquid assets to the amount of the performance in the next 30 calendar days to the amount of the liabilities in front of clients on the last reporting date of the quarter. Liquidity limit is set at 100 per cent. Non-bank credit organizations eligible to carry out cash transfers without opening bank accounts and related banking transactions are required to manage operational risk and ensure continuity The transfer of funds in accordance with the requirements established by Bank of Russia regulations. Non-bank credit organizations eligible to carry out cash transfers without opening bank accounts and related banking transactions that have an average of six months ' average obligation to customers Cash transfers without opening bank accounts for a month exceed 2 billion rubles, reporting to the Bank of Russia on a quarterly basis. Non-bank credit organizations eligible to carry out cash transfers without opening bank accounts and related banking transactions that have an average of six months ' average obligation to customers Cash transfers without opening bank accounts within a month do not exceed 2 billion rubles, reporting to the Bank of Russia every six months. Procedure and forms of reporting by non-bank credit organizations with the right to cash transfers without opening bank accounts and related banking transactions are established Bank of Russia regulations. Non-bank credit organizations eligible to carry out cash transfers without opening bank accounts and related banking transactions are entitled to place cash provided by clients for The bank accounts in the Bank of Russia; 2) on deposits of the Bank of Russia; 3) on correspondent accounts in credit institutions. Non-bank credit organizations entitled to cash transfers without opening bank accounts and related banking transactions are required to disclose to an unlimited number of persons information about individuals, which provide significant (direct or indirect) influence on decisions taken by the management bodies, in the manner established by the Bank of Russia for banks, which are based on the system of compulsory insurance of deposits of individuals in banks of the Russian Federation Federation. "; 5) Part 1 of Article 73 should be stated as follows: editions: " Article 73. In order to carry out banking regulation and banking supervision, the Bank of Russia conducts checks of credit institutions (their subsidiaries) and sends them mandatory regulations to eliminate the violations found in their activities. Federal laws issued in accordance with them by the Bank of Russia and apply the measures prescribed by this Federal Law against the offenders. "; 6) of article 74, paragraph 4, should read as follows: " The credit institution cannot be applied by the Bank of Russia, The first and second parts of this article, if five years have elapsed since the date of the violation. The measures provided for in this article may not be applied by the Bank of Russia in connection with the failure of the credit institution (its subsidiary) to comply with the provisions of the Bank of Russia documents (acts) not normative acts or regulations of the Bank of Russia. " 7) Chapter XII, to declare invalid; 8) to supplement Chapter XII-1 with the following: " CHAPTER XII-1. BUILDING STABILITY AND DEVELOPMENT OF A NATIONAL PAYMENT SYSTEM Article 82-1. The stability and development of the national payment system are carried out by the Bank of Russia in accordance with the Federal Law "On the National Payment System". A strategy for the development of the national payment system adopted by the Bank of Russia. Article 82-2. The Bank of Russia organizes and ensures the effective and efficient operation of the Bank of Russia's payment system and carries out its monitoring. Article 82-3. The Bank of Russia sets rules for cash payments, including restrictions on cash payments between legal entities, as well as settlements with the participation of citizens connected with their business activities. The Bank of Russia sets rules, forms and standards for non-cash payments. ". Article 12 Article 12 Amend the federal law dated 22 May 2003 N 54-FZ "On the application of cash registers in cash payments and (or) settlements using payment cards" (Russian Federation Law Assembly, 2003, N 21, art. 1957; 2009, 2776; N 29, st. 3599; 2010, N 31, sect. 4161) the following changes: 1) paragraph 9 of Article 1 after the words "bank payment agent," to be supplemented by the word "subagent,"; (2) of Article 2, after the words "bank payment agents," to be supplemented by the word "subagents,"; 3) in article 4: (a) paragraph 2 of paragraph 1 after the words "bank payment agents," to be supplemented by the word "subagents,"; (b) the first paragraph 1-1 after the words "bank payment agent," to add the word "subagent," after "bank payment agents," add the word "subagents,"; 4) paragraph 1 of article 5, after "bank payment agents," to be supplemented by the word "subagents,". Article 13 Article 54 of Federal Law dated July 7, 2003 N 126-FZ " On Communication " (Collection of Laws of the Russian Federation, 2003, N 28, p. 2895; 2004, N 35, sect. 3607; 2006, N 10, st. 1069) supplement paragraph 4 with the following: " 4. Cash, which is an advance of a subscriber-a natural person for communication services, can be used to increase the balance of electronic money of such a subscriber in accordance with the Federal Law "On the national payment system". " Article 14 Amend the Federal Law of 10 December 2003 N 173-FZ On Currency Regulation and Currency Control (Assembly) OF THE PRESIDENT OF THE RUSSIAN FEDERATION 4859; 2005, N 30, sect. 3101; 2006, N 31, 100 3430; 2007, N 1, est. 30; 2008, N 30, est. 3606) the following changes: 1) in Article 10: a) to be supplemented with Part 1-1, as follows: " 1-1. Non-residents are free to carry out foreign currency transfers and currency of the Russian Federation without opening bank accounts in the territory of the Russian Federation, as well as to carry out foreign currency and currency transfers of the Russian Federation. OF THE PRESIDENT OF THE RUSSIAN FEDERATION ", except as provided in part 1 to 1 of this article"; 2) in article 14: (a) the first part of 2 should be supplemented with the words "as well as electronic money transfers"; b) Part 3, add the following: " 9) translation without opening The bank account is a resident of the Russian Federation for the benefit of a non-resident in the territory of the Russian Federation and is received by a resident of the Russian Federation without opening a bank account in the territory of the Russian Federation from a non-resident in the territory of the Russian Federation. by the Central Bank of the Russian Federation It is only a limitation of the amount of translation and the amount of the transfer. ". Article 15 Article 5 (2) of Federal Law "5) electronic money.". Article 16 Article 40, Part 3 of the Federal Act of 26 July 2006 135-FZ "On protection of competition" (Legislative Assembly of the Russian Federation, 2006, N 31, art. 3434) after the words "organizations" to add the words ", organizations-operators of payment systems, operators of payment infrastructure services in the performance of their activities in accordance with the Federal Law" On the National Payment System ". (...) (...) N 401-FZ Article 17 " (Russian Federation Law Assembly, 2007, N 41, Art. 4849) the following changes: 1) Article 70: a) to be supplemented with Part 12: " 12. The provisions of this article shall also apply in the event of a recovery of the debtor's electronic funds, the translation of which is effected by the use of personalized electronic means of payment, corporate electronic means payment. "; b) supplement Part 13 with the following content: " 13. The payment system, which is in the account of the payment system of the payment system, opened in accordance with the Federal Law "On the national payment system", cannot be collected on the obligations of the operator of the payment system, a central payment clearing counterparty or a payment system participant. "; 2), to supplement article 71 with Part 7, as follows: " 7. The provisions of this article shall also apply in the event of a recovery of the debtor's electronic funds, the translation of which is effected by the use of personalized electronic means of payment, corporate electronic means payment. "; 3) to supplement article 72 with Part 10, as follows: " 10. The provisions of this article shall also apply in the event of a recovery of the debtor's electronic funds, the translation of which is effected by the use of personalized electronic means of payment, corporate electronic means payment. ". Article 18 (Deleted-Federal Law of 18 July 2011) N 242-FZ) Article 19 OF THE PRESIDENT OF THE RUSSIAN FEDERATION 2758; N 48, sect. 5739; 2010, N 19, st. 2291), the following changes: 1) to add the following content to Part 3: " 3. The provisions of the Federal Act on the National Payment System apply only to the implementation by the Bank of Russia of monitoring under article 35, paragraph 1, of the Federal Act. of law. "; 2), paragraph 3 of article 2, after the words" legal person "with the words", except for the credit institution, "; 3) in article 4: (a), paragraph 3, should read: " 3. The supplier is obliged to provide, upon request of the payer, information about payment agents paying in its favor, about places of payment, and also is obliged to provide to the tax authorities, upon request, a list of payment agents, on the basis of the payment in its favour and information on the place of payment. "; b) Part 7 to supplement the new second sentence with the following:" In this way, the appropriate powers of the payment sub-agent are not required of the notary's certificate. "; in Part 14, replace the word" separate " with In Part 15, the word "special"; in Part 15, replace the word "special" by "special"; d) to be supplemented with Part 16, to read: " 16. The following transactions can be carried out under a special bank account of the payment agent: 1) the acceptance of cash received from physical persons; 2) the transfer of money written off from another special account Payment agent bank account; 3) writing-off of money to a special bank account of a payment agent or vendor; 4) writing off bank accounts. "; e) , to read: " 17. Other transactions for a special bank account of the payment agent are not permitted. "; f) to be supplemented with Part 18, as follows: " 18. A vendor is required to use a special bank account when making payments to the payment agent. The supplier is not entitled to receive the money accepted by the payment agent as payments to bank accounts that are not special bank accounts. "; (s) should be added as follows: " 19. The special bank account of the supplier may be carried out: 1) the transfer of money written off from a payment agent special bank account; 2) the write-off of cash to bank accounts. "; and) supplement Part 20 with the following: " 20. Other operations under the vendor's special bank account are not permitted. "; c) to be supplemented with Part 21, as follows: " 21. Credit organizations are not entitled to act as payment operators or payments subagents, and to conclude contracts for the receipt of payments from individuals with suppliers or payment operators. "; 4) In article 7: a), add the following content: " 4. Monitoring of compliance by payment agents with the obligation to credit the taxpayers received from the payers when accepting cash payments for full credit to their special bank account (s), as well as The use of payment agents and special bank accounts for payment purposes is carried out by the tax authorities of the Russian Federation. "; b) to be supplemented by Part 5, as follows: " 5. Banks are required to issue tax certificates to the tax authorities on the existence of special bank accounts in the bank and (or) cash balances in special bank accounts, bank statements in special bank accounts of organizations (individual bank accounts) ) within three days of receiving a motivated request from the tax authority. Special bank account statements and (or) cash balances in special bank accounts, as well as transactions in special bank accounts of organizations (individual entrepreneurs) in the bank may be requested by tax authorities in cases of control provided for in part 4 of this article for these organizations (individual entrepreneurs). "; in) to be supplemented with Part 6, as follows: " 6. The form (s) and the procedure for sending a request to the bank by the tax authorities are established by the federal executive authority responsible for control and supervision in the field of taxes and duties. The form and procedure for the provision of information by banks on requests of tax authorities is established by the federal executive authority, the Commissioner for Control and Supervision of Taxes and Fees, in coordination with the Central Bank of the Russian Federation. THE RUSSIAN FEDERATION The formats of electronic information on requests of tax authorities by banks are approved by the Central Bank of the Russian Federation in coordination with the federal executive authority responsible for control and supervision in the region. taxes and fees. "; g) to supplement Part 7 with the following: " 7. The payment operators are obliged to provide the tax authorities with information about the payments made within three days from the date of receipt of the reasoned request of the tax authority. Information on the calculations performed may be requested by the tax authorities in the case of the control provided for in Part 4 of this Article. "; d) be supplemented with Part 8, reading: " 8. The form (s) and order of the tax authority's request to the operator for the receipt of payments shall be established by the federal executive authority responsible for monitoring and supervision in the field of taxes and duties. The form and procedure of the operator to receive payment of information upon request of tax authorities is established by the federal executive authority, the Commissioner for control and supervision in the field of taxes and duties. The formats for electronic payment acceptance by operators of information on tax requests are approved by the federal executive authority responsible for monitoring and supervision in the field of taxes and duties. "; 5) Article 8 should be supplemented with Part 4, as follows: " 4. Receive payments without the acceptance of the cash received from individuals in a special bank account specified in articles 14 and 15 of article 4 of this Federal Act, as well as receiving the money received from the payment card. As a payment, bank accounts that are not special bank accounts specified in article 4, paragraph 18 of this Federal Act are not permitted. ". Article 20 class="doclink "href=" ?docbody= &prevDoc= 102148678&backlink=1 & &nd=102140498" target="contents"> dated July 27, 2010, N 210-FZ "On the organization of the provision of state and municipal services" (Assembly of Laws of the Russian Federation, 2010, N 31, sect. 4179; 2011, N 15, sect. 2038) the following changes: 1) (Deleted-Federal Law 03.12.2011) N 383-FZ) 2) Chapter 5 to supplement Article 21-3 as follows: " Article 21-3. State Information System o state and municipal payments 1. The State Information System on State and Municipal Payments is an information system designed to provide and receive information on payments made by natural and legal persons for the provision of public and OF THE PRESIDENT OF THE RUSSIAN FEDERATION provided by federal laws. 2. The creation, maintenance, development and maintenance of the State Information System on State and Municipal Payments is carried out by the Federal Treasury. 3. The procedure for maintaining the State information system on state and municipal payments is established by the Federal Treasury in agreement with the Central Bank of the Russian Federation. This procedure specifies: 1) a list of the information required for payment, including the amount to be paid, for the public and municipal services, the services referred to in article 1, paragraph 3, and article 9, paragraph 1, of this Federal Law, as well as other payments, in the cases provided for by federal laws, the procedure for obtaining it and providing it; 2) a list of information on the payment of state and municipal services, the services referred to in article 1, paragraph 3, and part 1 of article 9 of this Federal Act, as well as other payments, in cases where The procedure for access to the State information system on state and municipal payments, as provided for by federal laws, the procedure for obtaining it and providing it; 3). 4. The Bank, other credit institution, the organization of federal postal services, the territorial organ of the Federal Treasury (other body carrying out the opening and maintenance of personal accounts in accordance with the budgetary laws of the Russian Federation), number of electronic payments, as well as other bodies or organizations through which the applicant is paid for state and municipal services, services referred to in article 1, paragraph 3, and article 9, paragraph 1 of this Federal Law, as well as other payments made by sources The revenues of the budget system of the Russian Federation are obliged to send information on their payment to the State Information System on state and municipal payments without delay. 5. State and municipal institutions after assessment of the amount to be paid by the applicant for the services provided, as specified in article 1, paragraph 3, and article 9, paragraph 1, of this Federal Act, as well as other payments, in cases in accordance with federal laws, must immediately send the information necessary for its payment to the State Information System on State and Municipal Payments. ". Article 21 Article 21 Federal law dated 27 November 2010 N 311-FZ " On customs regulations in the Russian Federation " (Russian Federation Law Assembly, 2010, N 48, p. The following changes: 1) in article 116: (a) Part 14 should read: " 14. Payment of customs duties, advances, penalties, interest, fines under this Federal Law may be made by means of devices intended for the use of electronic means of payment, without the possibility of receiving (issuing) cash in cash (hereinafter referred to as electronic terminals), as well as through payment terminals or ATMs. "; (b) Part 15, amend to read: " 15. In the payment of customs payments, advance payments, penalties, interest, and fines using electronic terminals, payment terminals and ATMs, information exchange between the participants of the payments is carried out by legal entities responsible for the payments. The deposit to the Federal Treasury and (or) to the account defined by the international agreement of the member states of the Customs Union, money paid through the use of electronic terminals, payment terminals and ATMs, and to ensure the proper discharge of the obligations assumed in the of the Russian Federation by providing bank guarantees and (or) making money (money) to the account of the Federal Treasury. The requirements for the said legal entities, the procedure for organizing interaction between them, taxpayers of customs duties, taxes and the federal executive authority, which is authorized in the field of customs affairs, are determined by the Government. of the Russian Federation. "; in) Part 16 should read: " 16. The procedure and technologies for payment of customs duties, advances, penalties, interest, and fines using electronic terminals, payment terminals and ATMs are determined by the federal executive authority, (c) Article 117, paragraph 2 (b), of article 117, as follows: " 2. For the purposes of the production of goods in the payment of customs duties, tax payments in the payment of customs duties tax payer, taxes are the proceeds of customs duties, taxes on the accounts specified in the article 116 of this Federal Law, and in the payment of customs duties, taxes using electronic terminals, payment terminals or ATMs in accordance with article 116, paragraph 15, of this Federal Act is such a confirmation a document generated by an electronic terminal, a payment terminal, or ATM, including electronically, confirming the transfer of funds to the accounts referred to in article 116 of this Federal Law. From the moment of the creation of this document, the transfer of money carried out for the payment of customs duties, taxes, becomes irrevocable. ". Article 22 Admit invalid force: 1) Article 1, paragraph 2 Federal Act No. 140 of 27 July 2006 on amendments to the Federal Act on Banks and Banking and Article 37 of the Act THE RUSSIAN FEDERATION OF THE PRESIDENT OF THE RUSSIAN FEDERATION 3439); 2) Article 1, paragraph 1, of the Federal Law of 3 June 2009 N 121-FZ " On amendments to individual pieces of legislation OF THE PRESIDENT OF THE RUSSIAN FEDERATION Article 1, paragraph 1, of the Federal Law of 1 July 2010, "On Amendments to Articles 13-1 and 29 of the Federal Law" Russian banks and banking activities (Russian Federation Council of Legislation, 2010, N 27, Art. 3432). Article 23 1. This Federal Law shall enter into force ninety days after the date of its official publication, with the exception of the provisions for which this article establishes a different time frame for their entry into force. 2. The paragraphs of the third and fourth subparagraph (a) of article 1, paragraph 2, of this Federal Act shall enter into force at the expiration of one hundred and ten days after the date of the official publication of this Federal Law. 3. Paragraphs 1 to 7, 9 and 10 of Article 5 of this Federal Law shall enter into force not earlier than three months after the date of its official publication. 4. Subparagraphs (a) and (b) of article 1, paragraphs (2), (b) and (7), (2), (3) and (a) of article 10, paragraphs (2), (b), (7) and (8), article 16, article 16, paragraph 1 (b), article 18, paragraph 1, of the present Federal Act shall enter into force after the expiry of One year after the official publication of this Federal Law. 5. Article 5, paragraph 8, subparagraphs (b) and (c) of article 10, paragraph 5, of this Federal Act shall enter into force on 1 January 2013. (In the wording of the Federal Law of 03.12.2011) N 383-FZ) 6. The provisions of article 166-1, paragraph 1, of the Budget Code of the Russian Federation (as amended by the present Federal Law) are applicable as from 1 January 2013. 7. Credit organizations that have the right to transfer funds on behalf of individuals without the opening of bank accounts are entitled to carry out money transfers without opening the funds on the date of entry into force of this Federal Law. bank accounts, including the transfer of electronic funds. 8. From the date of the entry into force of this Federal Law with payments made without the transfer of cash funds received from individuals to a special bank account specified in article 4, parts 14 and 15 of the Federal Law dated June 3, 2009 N 103-FZ " On the activities to receive payments by payment agents " (in the wording of this Federal Law), as well as Receipting of funds accepted by the payment agent as a supplier Payments to bank accounts other than the special bank accounts referred to in article 4, part 18, of the Federal Law of 3 June 2009 103-FZ "The activities to receive payments of natural persons by payment agents" (in the wording of this Federal Law) are not permitted. 9. Article 4, paragraphs 14 and 15, of Federal Act No. 103-FZ of 3 June 2009 on the reception of natural persons "The payment agents" (in the wording of this Federal Law) apply to relations arising from previous contracts for the payment of payments of natural persons. 10. Part 21 of Article 4 of the Federal Act of 3 June 2009 No. 103-FZ "On the reception of payments of natural persons" Payment agents " (in the wording of this Federal Law) apply to relations arising from contracts previously concluded by credit organizations with suppliers and operators for receiving payments and subject to avoidance from the date of entry into force. The force of this Federal Law. President of the Russian Federation Dmitry Medvedev Moscow, Kremlin 27 June 2011 N 162-FZ