FEDERAL LAW OF THE RUSSIAN FEDERATION

of June 7, 2025 No. 137-FZ

About introduction of amendments to the Federal Law "About protection of the rights and legitimate interests of physical persons when implementing activities for return of overdue debt and about introduction of amendments to the Federal law "About Microfinancial Activities and the Microfinancial Organizations" and separate legal acts of the Russian Federation

Accepted by the State Duma on May 27, 2025

Approved by the Federation Council on June 4, 2025

Article 1

Bring in the Federal Law of July 3, 2016 No. 230-FZ "About protection of the rights and legitimate interests of physical persons when implementing activities for return of overdue debt and about introduction of amendments to the Federal law "About Microfinancial Activities and the Microfinancial Organizations" (The Russian Federation Code, 2016, No. 27, Art. 4163; 2018, No. 47, Art. 7137; 2019, No. 46, Art. 6423; 2021, No. 24, Art. 4188; No. 27, Art. 5082; 2022, No. 43, Art. 7269; 2023, No. 32, Art. 6199) following changes:

1) in Article 4:

a) Item 2 parts 1 after the words "cable messages" to add with the word "short";

b) in part 4:

add Item 3 with words ", on condition of the direction the debtor of the message from the e-mail address of the debtor specified in case of the conclusion of the agreement or other agreement between the creditor and the debtor or provided by the debtor to the creditor the different way approved by the parties";

add with Item 5 of the following content:

"5) the different way provided by the agreement between the creditor and the debtor.";

c) state part 4.1 in the following edition:

"4.1. In case of receipt of the notification specified in part 4 of this Article, the creditor and (or) the representative of the creditor shall stop the interaction directed to return of overdue debt with the debtor by the methods provided by the agreement specified in part 2 of this Article no later than three working days after day of receipt of such notification.";

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