We know everything about bankruptcy
05/12/2025
Friday
5 December 
1936 The Stalinist Constitution of the USSR was adopted.
1936 the Stalinist constitution of the USSR was adopted.
1484 Pope Innocent VII initiated the "witch hunt".
1456 An earthquake that destroyed Naples occurred - 35 thousand people died.
1456 occurred an earthquake that destroyed Naples - 35 thousand people died.
Free vaccination and restrictions on loans: what changes will come into effect in October
Free vaccination in private health care facilities
This summer, Vladimir Putin signed a law providing for the possibility of vaccination in private medical centers within the framework of the compulsory medical insurance. Changes were made to the Federal Law ‘On immunization of infectious diseases’. Previously, the law dealt with immunization in medical organizations of the state and municipal health systems, now these terms have been replaced by the term ‘medical organizations’, regardless of their organizational and legal form.
Moreover, such companies must take part in the territorial compulsory medical insurance program. The procedure for providing the centers with the required amount of vaccines will be determined by the Government of the Russian Federation. The law comes into force in October.
Child benefits will now be transferred to Mir payment system cards
Since October, the norm, according to which a number of benefits for children will be possible to receive only on the account of Mir payment system card, will come into effect. We are talking about monthly payments to families with low income, as well as benefits associated with the birth or adoption of the first or second child.
The law allows to receive such payments to a Mir card account or to a bank account not tied to the card.
Earlier, pension payments and scholarships have already been tied to the Mir card.
Restrictions for banks on consumer loans
From the beginning of October, the Central Bank plans to introduce new restrictions on the issuance of consumer loans. The change will consist in the increase of the risk ratio on loans that will be issued to the consumers having unpaid loans.
The ratio will be increased for loans with a high total cost of the loan, as well as for loans to citizens who already have a high debt burden.
By means of this, it is supposed to reduce the desire of banks for additional lending to consumers who already have borrowing obligations and to reduce the debt burden of citizens.
Investing after testing
From the beginning of October, a rule has been introduced on the need to pass the test for a number of transactions available to a retail investor on the exchange market. Questions will be related to understanding the risks of the instrument, as well as understanding its essence.
Testing will be carried out by the broker before the start of the transaction.
It will consist of two blocks related to the ‘client's self-assessment’, as well as his (her) knowledge of the transaction itself. Testing will be possible both online and offline.
Increase in salaries for security officials
From October, law enforcement officers will begin to receive 3.7% more, based on the size of their salaries. The corresponding change is enshrined in the decree of the Government of the Russian Federation. The norm will affect customs officers, employees of internal affairs bodies, firefighters, military personnel, national guardsmen, employees of the penal system and some other representatives of the law enforcement agencies. What is more, the change will affect employees who have retired from the law enforcement agencies for the control over the circulation of narcotic and psychotropic substances.
