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Russians may be allowed a "voluntary ban" on loans
The State Duma will consider a law on a "voluntary ban on loans." Such innovations will allow citizens on their own, through the State Services, to refuse in advance and establish a ban on any type of lending, and if someone nevertheless issues a loan, then it will be possible not to pay it.
As the RBC, now the deputies are developing this mechanism together with participants in the financial market, the discussion is expected in June 2021. It is assumed that a citizen will be able to enter data on the refusal to receive any loans in his credit history.
Such amendments will help citizens protect themselves from fraudulent lending schemes. Now more and more fraudsters not only steal funds from Russians, but also arrange loans for them. For this it is "enough" to lose your passport or phone. It also happens that gullible Russians are persuaded to take on a loan and transfer money to fraudsters. At the same time, it is almost impossible to challenge such actions in court.
An application for a ban can be submitted through the "State Services". It will also be possible to cancel this ban at any time. Restrictions or their cancellation will take effect after seven days.