The State Duma has adopted in the first reading a bill to protect Russians from fraudsters who force them to take out loans. As the Chairman of the State Duma Vyacheslav Volodin noted in his Telegram channel, the bill will go through all readings by the end of January.
The issue is classified as a priority not by chance. According to the Bank of Russia, about 50% of borrowed funds issued to deceived citizens were immediately transferred to criminals after receiving them over the past year. The amount of embezzlement increased by 2.6 times. It is important to protect people from the actions of fraudsters, to protect them from financial losses.
The document establishes a "cooling-off period" when issuing borrowed funds. It is:
- 4 hours — for amounts from 50 to 200 thousand rubles;
- 48 hours — for amounts from 200 thousand rubles
During this time, people will be able to refuse to receive a loan, calculating whether they will be able to repay it on time. If fraudsters demanded to take out a loan, then the "cooling-off period" will give their victims the opportunity to think again and contact the police.
Also, according to Volodin, the bill prescribes a number of new obligations for credit and microfinance organizations. They will have to conduct additional checks for fraud when conducting operations and transactions.
Earlier in Russia, they identified a whole "university" that trained fraudsters and hackers to attack Russian companies. More than 10 thousand people have already undergone "training" in it. This "educational institution" had its own courses, teaching materials and exams.
Read materials on the topic:
It became known how fraudsters with fake documents are trying to deceive banks
Russia may introduce financial literacy tests for those wishing to take out a mortgage
