As noted, the exception will be cases when it follows from the requirements for insurance of the subject of pledge.

According to the publication, in the amendments prepared by the department there is a clause on reimbursing the borrower for losses that he incurred due to a violation of the right to free choice of services. They will be twice the size of the cost of these additional services.

In addition, with loans for a period of more than a year, it is proposed to prohibit obliging borrowers to insure for the entire loan term "subject to a one-time payment of insurance payments."

The Finance Ministry emphasized that the initiative is aimed at improving the protection of the rights and interests of borrowers, as well as creating conditions for fair competition of creditors.

In July, the All-Russian Popular Front proposed to ban banks from hiding information about additional services.