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A draft law has been submitted to the State Duma on the ban on the imposition of services when obtaining a loan

2019-11-25T14:52:59.728Z

A bill has been submitted to the State Duma prohibiting banks from imposing additional paid services on customers when applying for a consumer loan without first agreeing on their cost and terms of refusal.



The corresponding document is published on the website of the lower house of parliament.

In particular, the bill obliges lenders to disclose individual lending conditions for borrowers in the text of the consumer loan (loan) agreement itself and prohibits in clauses of the agreement sending the client to the lender's website to familiarize themselves with the terms of the agreement.

In addition, the lender is prohibited from putting “ticks” in the pre-printed agreement in order to indicate the borrower's consent to the terms of the loan without his own signature.

“Informing lenders when concluding a consumer loan (loan) agreement of borrowers about the cost of insurance services and the possibility of refusing insurance during the“ cooling period ”will allow borrowers to timely use the right to refuse the insurance service imposed and / or unnecessary for them during the“ cooling period ” , - follows from the document.

The authors of the bill were United Russia deputies Natalya Kostenko, Olga Timofeeva, Anton Getta and Evgeny Shulepov.

In October, the Kommersant newspaper wrote that the Ministry of Finance of Russia proposed to prohibit by law banks from imposing additional services upon receipt of a consumer loan or loan.

President of the Association of Russian Banks (ARB) Garegin Tosunyan, in an interview with NSN, called this initiative useful.

Source: russiart

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