The State Duma adopted in the first reading a draft amendment to the legislation regarding the creation of mechanisms to counteract the conclusion of consumer credit agreements and transactions involving the use of customer funds without his voluntary consent or with consent obtained under the influence of deception or abuse of trust. a bill to protect citizens from fraudsters who force them to take out loans.
The bill proposes to establish a "cooling-off period" for the issuance of borrowed funds, during which no financial transactions will be carried out. Namely, 4 hours for amounts of 50-200 thousand rubles; 48 hours for amounts starting from 200 thousand rubles.
In accordance with the draft law, a number of responsibilities are established for credit and microfinance organizations to carry out additional verification measures for fraud during operations and transactions.