RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF BELARUS

of October 11, 2021 No. 287

About amount and procedure for disclosure of information by the operator of service of online borrowing

Based on the paragraph of the fourteenth of part one of Item 7 of the Regulations on activities of the operator of service of online borrowing and the agreements signed by means of this service approved by the Presidential decree of the Republic of Belarus of May 25, 2021 No. 196, and part one of article 39 of the Bank code of the Republic of Belarus the Board of National Bank of the Republic of Belarus DECIDES:

1. Approve the Instruction about amount and procedure for disclosure of information as the operator of service of online borrowing it (is applied).

2. This resolution becomes effective since November 29, 2021.

Approved by the Resolution of Board of National Bank of the Republic of Belarus of October 11, 2021 No. 287

The instruction about amount and procedure for disclosure of information by the operator of service of online borrowing

1. This Instruction establishes amount and procedure for disclosure by the operator of service of online borrowing of information on the performed activities of the operator of service of online borrowing by placement of such information in the place of rendering service of online borrowing of services by the operator in convenient for review and type, available to clients, and also by means of online borrowing service.

2. For the purposes of this Instruction terms are used in the values determined by appendix 1 to the Presidential decree of the Republic of Belarus of May 25, 2021 No. 196 "About services of online borrowing and leasing activities".

3. The operator of service of online borrowing places the following information by means of online borrowing service:

3.1. general information about the operator of service of online borrowing:

the name (complete and reduced), accounting number of the payer, date of state registration and the name of the body which performed state registration;

date of inclusion of the operator of service of online borrowing in the register of operators of service of online borrowing (further - the register), registration certificate number about inclusion in the register, and also data on the exception facts by National Bank of the operator of service of online borrowing of the register with indication of date, the reason and the term of exception;

location, postal address, contact telephone number, e-mail address, working hours of operator of service of online borrowing;

the website address (address of the websites) of the operator of service of online borrowing on the global computer Internet;

information on the software by means of which the operator of service of online borrowing performs activities for creation of conditions for the conclusion and execution of loan agreements of money and the agreements signed in ensuring obligation fulfillment according to the loan agreement of money including the actions specified in paragraph seven of part one of Item 7 of the Regulations on activities of the operator of service of online borrowing and agreements signed by means of this service and also on conditions of use of such software;

3.2. constituent documents of the operator of service of online borrowing taking into account the changes made to them and additions, except for information, component the commercial, professional, bank and protected by the law other secret;

3.3. information about founders (participants), owner of property, beneficial and other owners of the operator of service of online borrowing:

the name and the country of the location (concerning the organization);

surname, own name, middle name (if that is available) and the country of accommodation (concerning physical person);

3.4. data on the services in creation of conditions for the conclusion and execution rendered by the operator of service of online borrowing by means of the service of online borrowing of loan agreements of money and agreements signed in ensuring obligation fulfillment according to the loan agreement of money including:

about conditions, procedure for rendering services by the operator of service of the online borrowing, amount of remuneration (payment) levied by the operator of service of online borrowing;

about procedure of payment under the services agreement signed with the operator of service of online borrowing, the list and the amount of the payments connected with violation of conditions of such agreement;

3.5. approximate (standard) forms of loan agreements of money and the agreements signed in ensuring obligation fulfillment according to the loan agreement of the money concluded by means of services of consumer online borrowing and business online borrowing (in case of their availability);

3.6. data on procedure of agreement settlements of loan of money and to the agreements signed in ensuring obligation fulfillment according to the loan agreement of money and also about the sums of the percent on the loan agreement, the penalty size which are due to the creditor determined by the legislation requirements to restriction (penalty, penalty fee), the interest for using others money added according to the loan agreement, other payments connected with loan breach of agreement;

3.7. procedure of customer interaction in cases of exception of the register, the termination of activities as a result of reorganization or liquidation of the operator of service of online borrowing;

3.8. the annual accounting and (or) financial reporting of the operator of service of online borrowing in the structure provided by part one of Item 1 of article 15 of the Law of the Republic of Belarus of July 12, 2013 No. 57-Z "About financial accounting and the reporting", except for information, component the commercial, professional, bank and protected by the law other secret, and also the audit opinion constituted by results of annual accounts audit if legal acts provide obligation of carrying out such audit;

3.9. the annual accounts of the operator of service of online borrowing constituted according to the International accounting standards and their Explanations accepted by Fund of International accounting standards if the legislation provides need of creation of such reporting or the operator of service of online borrowing the decision on creation of such reporting, except for information, is made by the component the commercial, professional, bank and protected by the law other secret, and the audit opinion constituted by results of annual accounts audit constituted according to the called International standards if legal acts provide obligation of carrying out audit of this reporting;

Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info