Finarink Anatoli Aksakov sent the head of the SRO “Mir” State Duma Committee on the bill, which is aimed at opposing the fraud on lending. In some cases, the SRO refers to unequal regulation: proposed to use different rules for different credit products and market participants. The central bank and the legislators seek to correct the law only after the first results of its actions appeared.
The largest self -controlled system of the microfinnacists – the SRO “Mir” bill sent comments on 804702–8, which was prepared for a second reading in the State Duma. Draft amendments to “Banks and Bank”, “Microfinance Companies”, etc. He is aimed at opposing fraud, including the debt sector. The letter has been posted on the SRO website. It is addressed to one of the editors of the bill – Deputy Anatoli Aksakov.
The State Duma accepted the first reading of the bill number 804702–8 January 15, 2025. This document proposes to establish a “cooling period”, especially when providing loans and loans. If the amount of the loan ranges from 50 thousand to 200 thousand rubles, it is more than 200 thousand rubles – 48 hours. At the time of the indicated, consumers can evaluate the need to take loans and refuse to get the loan.
Despite the support of the bill as a whole, the Mir SRO indicates that some of its rules are “represented because they do not work inadequate”. There is a risk that does not comply with the balance of interest, which affects the safety of the citizens, emphasizes in the SRO. “So, for example, the bill is to introduce the refrigeration period for the POS-transactions that ended via the Internet, however, this is when the debtor (job, services) is in the process of completing the sales contract of goods paying goods, which is the internet to expect such a product, which reduces such a loan significantly. , “At the same time, exceptions have been made for POS credits.”
An exception, from the obligation to carry out the proceedings to oppose consumer credit contracts, the consumer credit contracts are paid with the vehicle’s promise, and if the loan amount is transferred to the “car dealer”, but there are no definitions of this concept SRO. “The law is unfamiliar with such a time and does not have its definition,” says Olga Sulim, president of the lawyers Sulim and allies. Can be recognized as a businessman ”.
Vyaslav VolodinState Duma’s President, February 8, Interfax:
“It is important to protect people from fraudsters. So, the period of entering the procedure of the rules was half – from 180 to 90 days. The bill will be considered next week.
The bill includes various rules to fight fraud, depending on the type of credit providers. Therefore, banks have the opportunity to get messages, but there are no MFIs, they refer to SRO “peace”. At the same time, the size of the average loans (17 thousand rubles, according to the Central Bank) is compared to the MFI (according to the MFI (17.5 thousand rubles, according to the SRO “Mir”), all of them are not taken into account by the bill. According to the Central Bank, in the first half of 2024, the Bownshop’s debt portfolio increased by 13%to 62.6 billion rubles. Project and credit and Consumer Cooperative (CCP) are subject to action.
Lawyers believe that different approaches to regulate comparable loans can lead to proportional regulation and do not agree with the objectives of the project. “It is logical to do these restrictions on the functions of Bonshabs and CCP, because citizens’ activity in obtaining loans and funds on bail is increasing, and is the most simple and quick way to get money in exchange for values,” expert Veta Groups believe that Alexander Terenthev. According to Yukh Mirzov, the views of the fraudulent fraudsters are to expand the bill in all sections of the financial market, including the protection of consumer rights and the fraud. It is also possible to apply for potential organizations, where you can illegally get money and “hang” debt obligations to the victim with the help of the community.
At this point the law and regulator are not ready to change the draft law. “After receiving the first results of the law, the combination of the participants can apply and its terms can be adjusted,” the Central Bank said. “If the problem of the mass credit section moves to Bonshab and CCP, we will find a solution,” Anatoli Aksakov said.
