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Consumer credit
2. For the purposes of these Recommendations, consumer credits are understood to mean credits provided to physical persons (consumers) for the purpose of acquiring goods (works, services) for personal, family, household and other needs not related to the conduct of entrepreneurial activity
Source: of the Federal Antimonopoly Service of Russia No. ИА/7235, Central Bank of Russia No. 77-Т dated May 26, 2005 "On Recommendations regarding Information Disclosure Standards when providing consumer credits"