FEDERAL LAW OF THE RUSSIAN FEDERATION

of April 3, 2020 No. 106-FZ

About introduction of amendments to the Federal law "About the Central Bank Russian Federation (Bank of Russia)" and separate legal acts of the Russian Federation regarding features of change of conditions of the credit agreement, loan agreement

Accepted by the State Duma on April 1, 2020

Approved by the Federation Council on April 2, 2020

Article 1

Bring in the Federal Law of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, No. 28, Art. 2790; 2004, No. 31, Art. 3233; 2005, No. 25, Art. 2426; 2006, No. 25, Art. 2648; 2008, No. 44, Art. 4982; 2010, No. 45, Art. 5756; 2011, No. 27, Art. 3873; No. 43, Art. 5973; No. 48, Art. 6728; 2013, No. 30, Art. 4084; No. 49, Art. 6336; No. 52, Art. 6975; 2014, No. 30, Art. 4219; No. 52, Art. 7543; 2015, No. 27, Art. 4001; 2016, No. 1, Art. 46; 2017, No. 14, Art. 1997; No. 18, Art. 2661; No. 30, Art. 4456; 2018, No. 11, Art. 1584, 1588; No. 18, Art. 2557; No. 24, Art. 3400; No. 32, Art. 5115; 2019, No. 27, Art. 3538; No. 29, Art. 3857; No. 31, Art. 4423, 4430; No. 52, Art. 7787) following changes:

Article 4 to add 1) with Items 18.6 and 18.7 of the following content:

"18. 6) in interaction with the Government of the Russian Federation realizes actions for increase in level of financial literacy of the population and subjects of small and medium entrepreneurship in the Russian Federation;

18. Develops 7) in interaction with the Government of the Russian Federation and pursues policy on ensuring availability of financial services to the population and subjects of small and medium entrepreneurship in the Russian Federation;";

Part one of Article 18 to add 2) with Item 17.13 of the following content:

"17. 13) approves the strategy of increase in availability of financial services in the Russian Federation;";

Chapter VII.1 to add 3) with Articles 45.4 and 45.5 of the following content:

"Article 45.4. The Bank of Russia in interaction with the Government of the Russian Federation realizes actions for increase in level of financial literacy of the population and subjects of small and medium entrepreneurship in the Russian Federation.

Article 45.5. The Bank of Russia in interaction with the Government of the Russian Federation develops and pursues policy on ensuring availability of financial services to the population and subjects of small and medium entrepreneurship in the Russian Federation.

The Bank of Russia once in three years accepts the strategy of increase in availability of financial services in the Russian Federation.".

Article 2

Bring in the Federal Law of July 16, 1998 No. 102-FZ "About mortgage (pledge of the real estate)" (The Russian Federation Code, 1998, No. 29, Art. 3400; 2002, No. 7, Art. 629; 2005, No. 1, Art. 42; 2008, No. 52, Art. 6219; 2009, No. 1, Art. 14; 2011, No. 50, Art. 7347; 2016, No. 27, Art. 4294; 2017, No. 48, Art. 7052; 2019, No. 18, Art. 2200) following changes:

Paragraph one of Item 1 of Article 10 to add 1) with words "or according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement";

2) in Item 1.1 of Article 13.1:

a) the paragraph one after words "The Federal Law of December 21, 2013 "About consumer loan (loan)" to add No. 353-FZ with words "or according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement";

b) the fourth to add the paragraph with words "(except for case of change of condition of the obligation provided with mortgage according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement")";

Paragraph one of Item 1.1 of Article 13.4 after words "The Federal Law of December 21, 2013 No. 353-FZ "About consumer loan (loan)" to add 3) with the words "or according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement", after the words "third party" to add with words " (except for case of change of condition of the obligation provided with mortgage according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement")";

Paragraph one of Item 1.1 of Article 13.6 after words "The Federal Law of December 21, 2013 No. 353-FZ "About consumer loan (loan)" to add 4) with the words "or according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement", after the words "third party" to add with words " (except for case of change of condition of the obligation provided with mortgage according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement")";

5) in Item 2 of Article 23:

a) "The Federal Law of December 21, 2013 No. 353-FZ "About consumer loan (loan)" to add paragraph two after words with words "or according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement";

b) the fourth to add the paragraph with words "(except for case of change of condition of the obligation provided with mortgage according to articles 6 and 7 of the Federal law "About Introduction of Amendments to the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" and Separate Legal Acts of the Russian Federation regarding Features of Change of Conditions of the Credit Agreement, Loan Agreement")".

Article 3

Bring in the Federal Law of November 11, 2003 No. 152-FZ "About mortgage securities" (The Russian Federation Code, 2003, No. 46, Art. 4448; 2005, No. 1, Art. 19; 2006, No. 31, Art. 3440; 2012, No. 53, Art. 7606; 2013, No. 30, Art. 4084; No. 51, Art. 6699; 2016, No. 1, Art. 81; 2018, No. 53, Art. 8440; 2019, No. 18, Art. 2200; No. 31, Art. 4420) following changes:

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