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It is registered

Ministry of Justice

Russian Federation

On April 20, 2015 No. 36937

INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of February 19, 2015 No. 3572-U

About procedure for the direction of requests in the central catalog of credit stories and receipt from it of information on bureau of credit histories in which credit history of the subject of credit history, through bureau of credit histories is stored

(as amended of the Instruction of the Central bank of the Russian Federation of 11.12.2015 No. 3892-U)

According to article 13 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, of the Art. 3395) this Instruction establishes procedure for the direction the subject of credit history, the user of credit history and to the financial manager approved in the case of insolvency (bankruptcy) of the subject of credit history - physical person (further - the financial manager), in the Central catalog of credit stories (further - TsKKI) requests in the form of the electronic message on submission of information on bureau of credit histories (further - BKI) in which credit history of the subject of credit history, and receipt of information from TsKKI in the form of the electronic message is stored.

This Instruction is not applied in case of the direction of requests in TsKKI and receipts of information from it by the subject of credit history (the user of credit history, the financial manager) by means of the appeal to credit institution in case of direct (direct) electronic interaction of TsKKI and credit institution according to the Instruction of the Bank of Russia of December 11, 2015 No. 3893-U "About procedure for the direction of requests and receipts of information from the Central catalog of credit stories by means of the appeal to credit institution", the registered Ministry of Justice of the Russian Federation on February 9, 2016 No. 41021 ("the Bulletin of the Bank of Russia" of February 20, 2016 No. 16).

Chapter 1. General provisions

1.1. The subject of credit history (the user of credit history, the financial manager) sends inquiry for submission of information on BKI in which credit history of the subject of credit history is stored, to TsKKI and obtains information from TsKKI:

in case of the direct appeal to any BKI;

in case of the address through any credit institution, the microfinancial organization, credit cooperative which interact from BKI on electronic communication channels based on the signed agreement on rendering information services.

1.2. BKI (credit institution, the microfinancial organization, credit cooperative) for the purpose of confirmation of legitimacy of submission of information from TsKKI performs identification of the identity of the subject of credit history (the user of credit history) who addressed it before sending request of the subject of credit history (the user of credit history, the financial manager).

1.2.1. Identification of the identity of the subject of credit history - physical person (individual entrepreneur) is performed based on the passport of the citizen of the Russian Federation or other identity document in accordance with the legislation of the Russian Federation.

If the representative of the subject of credit history made inquiry, in addition to verification of the specified document availability at the representative of the document processed in accordance with the legislation of the Russian Federation confirming availability of appropriate authority is checked and the data specified in these documents are verified.

Identification of the subject of credit history - the legal entity is performed by verification of the certificate on state registration of the legal entity (the certificate on entering of record into the Unified State Register of Legal Entities on the legal entity registered till July 1, 2002) provided to them and check at the representative of the legal entity of the document processed in accordance with the legislation of the Russian Federation confirming availability at the representative of the legal entity of appropriate authority (the power of attorney, the protocol of general shareholder meeting (participants) of the legal entity and other documents confirming availability of appropriate authority) and also the passport of the citizen of the Russian Federation or other identity document in accordance with the legislation of the Russian Federation.

1.2.2. Identification of the identity of the user of credit history - the individual entrepreneur is performed on the basis of the passport of the citizen of the Russian Federation or other identity document in accordance with the legislation of the Russian Federation, and verifications of the provided certificate on state registration of a person as an individual entrepreneur (the certificate on entering into the Unified State Register of Private Entrepreneurs of record about the individual entrepreneur registered till January 1, 2004).

If the representative of the user of credit history - the individual entrepreneur made inquiry, in addition to verification of the specified documents availability at the representative of the document processed in accordance with the legislation of the Russian Federation confirming availability of appropriate authority is checked and the data specified in all these documents are verified.

Identification of the user of credit history - the legal entity is performed according to the procedure, stated in subitem 1.2.1 of this Item.

1.2.3. Identification of the identity of the financial manager is performed on the basis of the passport of the citizen of the Russian Federation or in case of its absence - other identity document in accordance with the legislation of the Russian Federation, and court resolution about statement of the financial manager in the case of insolvency (bankruptcy) of the required subject of credit history - physical person. If the representative of the financial manager made inquiry, in addition to verification of the specified documents availability at the representative of the document processed in accordance with the legislation of the Russian Federation confirming availability of appropriate authority is checked and the data specified in these documents are verified.

1.3. In addition to identification of users of credit stories of BKI (credit institution, the microfinancial organization, credit cooperative) shall check at users of the credit stories specified in Item 1.4 of this Instruction, availability written or different way of the fixed consent of the subject of credit history to receipt of the credit report for the purpose of, specified in the consent of the subject of credit history (further - the consent of the subject of credit history).

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