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Ministry of Justice

Russian Federation

On December 29, 2014 No. 35461

INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of December 1, 2014 No. 3465-U

About structure and procedure for forming of information part of credit history

This Instruction according to article 4 of the Federal Law of December 30, 2004 No. 218-FZ "About credit stories" (The Russian Federation Code, 2005, No. 1, Art. 44; No. 30, Art. 3121; 2007, No. 31, Art. 4011; 2011, No. 15, Art. 2038; No. 27, Art. 3880; No. 29, Art. 4291; No. 49, Art. 7067; 2013, No. 30, Art. 4084; No. 51, Art. 6683; 2014, No. 26, the Art. 3395) establishes structure and procedure for forming of information part of credit history of the subject of credit history - physical person, including the individual entrepreneur.

Chapter 1. Structure of information part of credit history

1.1. Record of information part of credit history of the borrower is created in bureau of credit histories by the creditor (creditor) according to each application for provision of loan (credit) issued by the borrower (further - the Statement).

1.2. Record of information part of credit history of the guarantor is created in bureau of credit histories by the creditor (creditor) according to each drawn-up guarantee agreement.

1.3. Data in information part of credit history of the borrower (guarantor) are represented by the creditor (creditor) along with title part of credit history to bureau of credit histories in time, not exceeding five working days from the date of its forming (making of action, approach of event, information on which is part of information part of credit history according to this Instruction).

1.4. Information part of credit history of the borrower the following data are included:

a) date and number (in case of its availability) Statements;

b) information on the requested loan (credit) according to appendix to this Instruction;

c) type of the creditor (creditor):

credit institution;

microfinancial organization;

credit cooperative;

other organization;

d) method of execution of the Statement: intermediary (through the agent), remote (with use of means of telecommunications) or it is direct in credit institution (branch, internal structural division of credit institution), the microfinancial organization, credit cooperative or other organization which is source of forming of credit history;

e) information on the fact of acceptance by authorized body and (or) face of the decision on approval of the Statement;

e) end date of action of approval of the Statement;

g) agreement number with indication of obligation type (the loan agreement or the credit);

h) information on the granted loan (credit) according to appendix to this Instruction (it is specified in case of its difference from information specified in the subitem "b" of this Item);

i) information on lack of two and more in a row payments on the loan agreement (credit) within 120 calendar days from the date of approach of completion date of agreement obligation of loan (credit) which is not performed by the borrower;

j) the fact of complete obligation fulfillment according to the loan agreement (credit);

k) information on the refusal fact to the borrower in the conclusion of the loan agreement (credit):

the requested loan amount (credit) with indication of currency;

date of refusal;

reason (reasons) of refusal:

credit policy of the creditor (creditor);

credit history of the borrower;

excessive debt load on the borrower;

discrepancy of information on the borrower specified by the borrower in the Statement, to data which the creditor (creditor) has;

other.

1.5. Information part of credit history of the guarantor the following data are included:

a) agreement number with indication of obligation type (guarantee agreement);

b) type of the creditor (creditor):

credit institution;

microfinancial organization;

credit cooperative;

other organization;

c) type of loan (credit) according to appendix to this Instruction;

d) information on lack of two and more in a row payments on the loan agreement (credit) within 120 calendar days from the date of approach of completion date of agreement obligation of loan (credit) which is not performed by the borrower;

e) the fact of complete obligation fulfillment according to the loan agreement (credit).

Chapter 2. Procedure for forming of information part of credit history

2.1. In case of receipt of the issued Application the creditor (creditor) represents to information part of credit history of the borrower information determined by subitems "a" - "" of Item 1.4 of this Instruction.

2.2. In case of approval the creditor (creditor) submits Applications in information part of credit history of the borrower information determined by subitems "d", "e" of Item 1.4 of this Instruction.

In case of approval the creditor (creditor) submits Applications in the form of the acceptance of the offer in information part of credit history of the borrower information determined by subitems "d", "zh" - "to" Item 1.4 of this Instruction, in process of its origin at the creditor (creditor).

2.3. In case of refusal the creditor (creditor) the creditor (creditor) represents to the borrower in the conclusion of the loan agreement (credit) to information part of credit history of the borrower information determined by the subitem "l" of Item 1.4 of this Instruction.

2.4. In case of refusal the creditor (creditor) to the guarantor in the conclusion of the guarantee agreement information on it is not reflected in information part of credit history of the borrower.

2.5. In case of the conclusion of the loan agreement (credit) between the creditor (creditor) and the borrower, including not in the full amount requested by the borrower, the creditor (creditor) represents to information part of credit history of the borrower information determined by subitems "zh" - "to" Item 1.4 of this Instruction in process of its origin at the creditor (creditor).

2.6. In case of the conclusion of the guarantee agreement between the creditor (creditor) and the guarantor the creditor (creditor) represents to information part of credit history of the guarantor information determined by subitems "a" - "d" Item 1.5 of this Instruction in process of its origin at the creditor (creditor).

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