of July 31, 2025 No. 283-FZ
About activities for provision of service of payment by installments
Accepted by the State Duma on July 22, 2025
Approved by the Federation Council on July 25, 2025
This Federal Law determines the legal basis of activities for provision of service of payment by installments and right of users of service of payment by installments.
For the purposes of this Federal Law the following basic concepts are used:
1) activities for provision of service of payment by installments - rendering service of payment by installments of services by the operator based on the agreement on provision of service of payment by installments;
2) the operator of service of payment by installments - the legal entity who renders services based on the agreement on provision of service of payment by installments and the data about which are entered in the register of operators of service of payment by installments;
3) service of payment by installments - the information system on the Internet used for the conclusion by means of information technologies and technical means of this information system of agreements on provision of service of payment by installments;
4) the agreement on provision of service of payment by installments - the agreement signed between the operator of service of payment by installments and the user according to whom the operator of service of payment by installments shall make actions for payment of the price of object of payment by installments according to the agreement signed by the user with the seller (the contractor, the contractor, the licensor (sublicensor) and the user of object of payment by installments providing acquisition and the user shall pay to the operator of service of payment by installments the price of the agreement on provision of service of payment by installments;
5) the price of the agreement on provision of service of payment by installments - cash amount which is equal to the payment by installments object price according to the agreement providing acquisition by the user of object of payment by installments and which the user shall pay to the operator of service of payment by installments in connection with payment of service of payment by installments of the price of payment by installments object by the operator according to the agreement signed by the user with the seller (the contractor, the contractor, the licensor (sublicensor) and the user of object of payment by installments providing acquisition;
6) the user - the citizen having intention to order (to acquire) or the ordering (acquiring) payment by installments object only for the personal, family, house and other needs which are not connected with implementation of business activity, with use of service of payment by installments;
7) payment by installments object - goods, work, service or result of intellectual activities, payment of acquisition, accomplishment, rendering or provision of the rights concerning which it is made with use of service of payment by installments.
1. The operator of service of payment by installments performs the activities according to the procedure, established by this Federal Law.
2. Only operators of service of payment by installments according to this Federal Law have the right to perform activities for provision of service of payment by installments.
3. Requirements of this Federal Law are applied to the credit institutions performing activities for provision of service of payment by installments in the part which is not settled by provisions of the Federal Law "About Banks and Banking Activity".
4. Requirements of this Federal Law are applied to the microfinancial organizations performing activities for provision of service of payment by installments in the part which is not settled by provisions of the Federal Law of July 2, 2010 No. 151-FZ "About microfinancial activities and the microfinancial organizations".
5. Action of provisions of Articles 4, of the 8 and 9 this Federal Law does not extend to the operator of the service of payment by installments which is credit institution or the microfinancial organization.
6. Action of provisions of this Federal Law does not extend to purchase and sale agreements (the contract, rendering services) which conditions provide payment by the consumer of goods (work, service) by installments or through certain time directly to the seller (the contractor, the contractor), including on the contracts signed with participants of experiment according to the Federal Law of August 4, 2023 No. 417-FZ "About carrying out experiment on establishment of special regulation for the purpose of creation of necessary conditions for implementation of activities for partner financing in certain subjects of the Russian Federation and about modification of separate legal acts of the Russian Federation" and also on agreements of consumer loan (loan).
1. The minimum size of own means (capital) of the operator of service of payment by installments is established in the amount of 5 million rubles. The size of own means (capital) of the operator of service of payment by installments is determined according to the technique established by the regulation of the Bank of Russia.
2. Entering into the authorized capital of the operator of service of payment by installments of borrowed funds and the property which is in pledge is not allowed. Authorized capital payment of the operator of service of payment by installments in case of its increase by offsetting of requirements to the operator of service of payment by installments is not allowed, except for monetary claims about payment of the announced dividends in cash. The property value in non-cash form, directed to payment of shares (share in the authorized capital) of the operator of service of payment by installments, cannot exceed 20 percent of share placing price (share in the authorized capital) of the operator of service of payment by installments.
1. The credit institution, the microfinancial organization, other legal entity registered in the form of economic society in accordance with the legislation of the Russian Federation can acquire the right to implementation of activities for provision of service of payment by installments.
2. The operator of service of payment by installments has no right to combine the activities with activities of not credit financial credit institution, except for activities of the microfinancial organization.
3. The Bank of Russia according to the procedure, established by this Federal Law and the regulation of the Bank of Russia, makes the decision on introduction (on refusal in introduction) the information about the legal entity, including on availability at it of the right to implementation of activities for provision of service of payment by installments, in the register of operators of service of payment by installments (further respectively - the decision on entering of information about the legal entity into the register of operators of service of payment by installments, the decision on refusal in entering of information about the legal entity into the register of operators of service of payment by installments) no later than thirty working days from the date of submission to the Bank of Russia of all documents according to this Article and if the specified documents are submitted not at the same time, - from the date of submission to the Bank of Russia of the last document. The Bank of Russia notifies the legal entity about the decision made on it with indication of the bases of its acceptance no later than three working days from the date of adoption of such decision.
4. The list of the documents necessary for decision making about entering of information about the legal entity into the register of operators of service of payment by installments, and procedure for their submission by the legal entity to the Bank of Russia are established by the regulation of the Bank of Russia. The Bank of Russia establishes forms of the specified documents and (or) requirements to them.
5. The Bank of Russia performs compliance of the legal entity and documents submitted by it to requirements of this Federal Law and (or) the regulations of the Bank of Russia adopted according to it and if necessary requests the documents confirming observance of the specified requirements with indication of the term of their representation which cannot be less than ten working days. If the requested documents are not submitted, the Bank of Russia makes the decision on the termination of consideration of the documents submitted by the legal entity and notifies him on it no later than five working days following behind day of the expiration specified in request.
6. The Bank of Russia no later than one working day following behind day of decision making about entering of information about the legal entity into the register of operators of service of payment by installments enters in the specified register the information about the legal entity and about availability at it of the right to implementation of activities for provision of service of payment by installments and posts such data on the official site of the Bank of Russia on the Internet. The right to implementation of activities for provision of service of payment by installments arises at the legal entity from the date of entering of such data into the register of operators of service of payment by installments.
7. The legal entity formed as a result of reorganization of the operator of service of payment by installments in the form of transformation (in case of observance of the condition provided by part 2 of article 7 of this Federal Law) and intending to perform activities for provision of service of payment by installments, the operator of service of payment by installments shall send to the Bank of Russia the notification on change of the information about the operator of service of payment by installments containing in the register of operators of service of payment by installments, with application of documents, established by the Bank of Russia. The procedure and terms of the direction of the notification and the documents attached to it are established by the Bank of Russia.
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