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The government has approved a procedure for self-prohibition on issuing loans
- Through the State Services Portal, you will be redirected to the Credit History Bureau and a notification of the decision will be sent to the user's personal account.
- At the MFC during a personal visit - Information about the decisions of the Credit History Bureau is provided through the MFC and through the citizen's personal account in government services.
The same process can be used to unlock the loan itself.
Citizens can use this service an unlimited number of times and all requests will be reflected in their credit history.
Let me remind you that in February of this year, the State Duma adopted a law on self-prohibition of lending. According to the speaker of the House of Representatives Vyacheslav Volodin, this standard will help to further protect citizens from fraudsters who issue loans and microloans in someone else's name using stolen or fraudulently obtained personal data.
The central bank backed the plan, but noted that it was not a panacea for fraud. Regulators have proposed other options, including a so-called cooling-off period for large consumer loans.
"We can discuss a cooling-off period, but there should be a gap between the approval of the loan and the issuance of money. Because it is good to get a loan in a few minutes, but someone, many people, must bear this burden. This costs a lot of money," explained the head of the Central Bank Elvira Nabiullina. In her opinion, one should start with a loan of one million rubles.