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Ministry of Justice

Russian Federation

On January 18, 2021 No. 62125

PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of December 4, 2020 No. 743-P

About recognition criteria of bureau of credit histories qualified, procedure for recognition of bureau of credit histories qualified and decision about recognition of bureau of credit histories lost the status of qualified

(as amended of the Instruction of the Central bank of the Russian Federation of 17.11.2021 No. 5996-U)

This Provision based on part Items 1 and 2 1, parts 2 and 7 of article 15.1 of the Federal Law of December 30, 2004 No. 218-FZ "About credit stories" (The Russian Federation Code, 2005, No. 1, Art. 44; No. 31, the Art. 5061) establishes 2020,:

requirements to program technical means and network communications of qualified bureau of credit histories, including to their territorial arrangement;

technique of determination of the size of own means of bureau of credit histories for recognition of bureau of credit histories qualified;

procedure for recognition of bureau of credit histories qualified and decision about recognition of bureau of credit histories lost the status of qualified.

Chapter 1. Requirements to program technical means and network communications of qualified bureau of credit histories

1.1. The program technical means and network communications including provided in use of the third parties (further - PTS and network communications), qualified bureau of credit histories (further - qualified bureau) shall be used by qualified bureau for implementation of activities for forming and provision of data on average monthly payments of subjects of credit stories (further - crucial processes) and other activities according to the Federal Law of December 30, 2004 No. 218-FZ "About credit stories" (further - the Federal Law "About Credit Stories") and (or) the regulations of the Bank of Russia adopted according to it (further in case of joint mentioning - activities of qualified bureau).

PTS and network communications shall be located in the territory of the Russian Federation generally and reserve the complexes of qualified bureau which are functionally duplicating each other and territorially remote from each other on the distance providing possibility of recovery of activities of qualified bureau in full in time, provided by subitem 1.2.2 of Item 1.2 of this provision and to conform to requirements, stipulated in Item 1.2 this provision.

1.2. PTS and network communications shall be equipped with the software and shall have the technical characteristics providing accomplishment of the following requirements.

1.2.1. Continuous and uninterrupted implementation of activities of qualified bureau, including by means of use of PTS and network communications of reserve complex of qualified bureau in case of impossibility of ensuring continuous and uninterrupted implementation of activities of qualified bureau with use of PTS and network communications of the main complex.

1.2.2. Recovery of activities of qualified bureau in full in time no more than 12 hours from the moment of emergence of unusual or emergency situation (further - NChS).

1.2.3. Creation, maintaining and storage of the databases of qualified bureau containing information on credit stories (further - databases).

1.2.4. Permanent support of databases in urgent condition.

1.2.5. Daily backup of information containing in databases, the method allowing to provide synchronization of information containing in databases, with backup copy to the specified information.

1.2.6. Implementation of actions for recovery of information from databases, including in the conditions of NChS, and also exception of emergence of conditions for misstatement, loss, unauthorized change of information containing in them and (or) access to them for unauthorized persons.

1.2.7. Interaction of qualified bureau with users of credit stories, bureau of credit histories (further - bureau), other qualified bureau with use of program interface of the application (API), the description and requirements to which are posted on the official site of the Bank of Russia on the Internet, for the purpose of provision of data on average monthly payments of subjects of credit stories.

1.2.8. Accomplishment of automatic synchronization of time in all PTS components and network communications.

1.2.9. Implementation of activities of qualified bureau is proportional to its amount and nature, including in the conditions of growth in volumes of the services rendered to qualified bureaus and (or) NChS.

1.2.10. Permanent monitoring of condition of PTS and network communications and elimination of the revealed violations in their work.

1.2.11. Maintaining online magazines (protocols) providing accounting of each action of the qualified bureau connected with implementation of activities of qualified bureau:

date and time (about one seconds) accomplishment of each action of qualified bureau;

identifiers of source of forming of credit stories, the user of credit stories, bureau, other qualified bureau, the subject of credit stories (further - partners) and persons specified in Items 3 - 7 parts 1 of article 6 of the Federal law "About Credit Stories";

the proceeding and entering identifiers of request and the answer containing date and time (about one seconds) departure (receipt) and number of request and the answer.

1.2.12. Storage of online magazines (protocols) in electronic form and in the format determined by qualified bureau in the internal documents within three years from the date of forming of the online magazine (protocol) on each action.

1.2.13. Storage of the data sent to the address of partners by provision of services by qualified bureau according to the Federal Law "About Credit Stories" and (or) regulations of the Bank of Russia adopted according to it in electronic form and in the format determined by qualified bureau in the internal documents within three years from the date of the direction of data.

1.3. PTS and network communications in case of accomplishment of crucial processes shall conform to the following measure values of reliability which requirements to calculation 3.6.6.4 Interstate state standard specifications 27.002-2015 standards "Reliability in the equipment are stipulated in Item. Terms and determinations", the enacted order of Federal Agency for Technical Regulation and Metrology of June 21, 2016 No. 654 of St "About enforcement of the Interstate standard" (M., Federal State Unitary Enterprise Standartinform, 2016):

coefficient of technical use - 0,99982;

idle time (maintenance time and time before recovery, not including time before recovery in connection with refusal (defect, damage) caused by NChS) - no more 1,6 of hour for calendar year.

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