Encyclopedia
Conditions of Prohibition
Conditions of the restriction - the restriction may apply to credit institutions and (or) microfinance organizations concluding consumer loan (credit) agreements with a subject of the credit history - an individual, except for consumer loan (credit) agreements where the borrower's obligations are secured by mortgage and (or) pledge of a vehicle, and main educational credit agreements, the provision of state support for which is carried out in accordance with paragraph 4 of Article 104 of the Federal Law of December 29, 2012 No. 273-FZ "On Education in the Russian Federation", as well as separately to the conclusion by credit institutions and (or) microfinance organizations through a method not requiring the personal appearance of the subject of the credit history - an individual, of consumer loan (credit) agreements, except for consumer loan (credit) agreements where the borrower's obligations are secured by mortgage and (or) pledge of a vehicle, and main educational credit agreements, provision of state support which is carried out in accordance with the procedure established under paragraph 4 of Article 104 of the Federal Law of December 29, 2012, No. 273-FZ "On Education in the Russian Federation"1.
Federal Law of December 30, 2004 No. 218-FZ "On Credit Histories", as amended on March 1, 2025, Article 5.1, paragraph 2 // Collection of Laws of the Russian Federation. 2005. No. 1. Article 44. ↩