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05/12/2025
Friday
THIS DAY IN HISTORY:
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.
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.
Russians will be forbidden to take out several microloans at the same time
Starting in 2026, microfinance institutions will be able to issue loans only to those citizens who have no other outstanding obligations to MFIs.
The central bank has proposed a number of restrictions, which have now been drafted into a bill and sent for parliamentary consideration. Anatoly Aksakov, Chairman of the State Duma Committee on the Financial Market, said this in an interview with Izvestia. Among the key innovations is the mandatory three—day "cooling-off period", which provides a potential borrower with time to calmly consider their decision before signing the contract. At the same time, it is proposed to reduce the maximum overpayment on microloans from the current 130% to 100%.
The document has already been submitted to the State Duma, and its discussion is scheduled for the autumn session. According to Anatoly Aksakov, the initiative was also discussed with regulators and market representatives.
The authors of the initiative seek to eliminate situations where the same person accumulates debts in several MFIs at the same time. The three-day interval is designed as a simple but effective measure against impulsive decisions: instant approval and disbursement of funds often push people to make rash loans, and a pause gives them time to assess the need and consequences. Also, reducing the marginal overpayment will reduce the cost of borrowed funds for the consumer and reduce the risks of debt traps.
Experts warn that the tightened rules could create a niche for shadow creditors. In this regard, the Central Bank proposes to ban advertising of "black" lenders and strengthen control over the sector in order to prevent demand from flowing into the illegal sphere.
Photo: Freepik
The central bank has proposed a number of restrictions, which have now been drafted into a bill and sent for parliamentary consideration. Anatoly Aksakov, Chairman of the State Duma Committee on the Financial Market, said this in an interview with Izvestia. Among the key innovations is the mandatory three—day "cooling-off period", which provides a potential borrower with time to calmly consider their decision before signing the contract. At the same time, it is proposed to reduce the maximum overpayment on microloans from the current 130% to 100%.
The document has already been submitted to the State Duma, and its discussion is scheduled for the autumn session. According to Anatoly Aksakov, the initiative was also discussed with regulators and market representatives.
The authors of the initiative seek to eliminate situations where the same person accumulates debts in several MFIs at the same time. The three-day interval is designed as a simple but effective measure against impulsive decisions: instant approval and disbursement of funds often push people to make rash loans, and a pause gives them time to assess the need and consequences. Also, reducing the marginal overpayment will reduce the cost of borrowed funds for the consumer and reduce the risks of debt traps.
Experts warn that the tightened rules could create a niche for shadow creditors. In this regard, the Central Bank proposes to ban advertising of "black" lenders and strengthen control over the sector in order to prevent demand from flowing into the illegal sphere.
Photo: Freepik
14.08.2025
