Banks and microfinance organizations (MFIs) are recording cases when citizens apply for a loan after setting a self-ban on "Gosuslugi" from March 1, 2025. This was reported by representatives of VTB, Pochta Bank, Zaymer, Summit, Lime-zaim, Migcredit, Webbankir and GK Eqvanta.
Some Russians who have issued a self-ban then try to get loans from banks and microfinance organizations. According to representatives of microcredit organizations, some citizens use this function for selfish purposes, hoping to avoid repaying borrowed money. In a number of MFIs, such behavior is called "consumer extremism".
The problem is that there is a small time lag between the appearance of a mark in the credit history and the actual entry into force of the restriction. Unscrupulous borrowers hope to get a loan and then refer to the self-ban, accusing creditors of violating the rules.
According to experts, this behavior can be explained both by insufficient awareness of citizens about the self-ban mechanism and by the desire to check how effectively the introduced restriction works.
According to Roman Makarov, General Director of the MFI Zaymer, up to 200 such cases are recorded daily. GK Eqvanta notes that the share of applications from clients who have set a self-ban is growing: 0.7% on the first day after the function appeared, 0.9% on the second, 1.5% on the third, said Ion Boloboshenku, Risk Director. At Summit, 1–2% of applications are rejected due to the presence of a self-ban.
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