FEDERAL LAW OF THE RUSSIAN FEDERATION

of December 15, 2025 No. 476-FZ

About modification of article 6 of the Federal law "About Credit Stories"

Accepted by the State Duma on December 9, 2025

Approved by the Federation Council on December 10, 2025

Article 1

Bring in part 10 of article 6 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. 29, Art. 4291; No. 49, Art. 7067; 2013, No. 51, Art. 6683; 2014, No. 26, Art. 3395; 2015, No. 27, Art. 3945; 2016, No. 27, Art. 4164; 2018, No. 32, Art. 5120; 2020, No. 31, Art. 5061; 2023, No. 31, Art. 5778; 2024, No. 10, Art. 1306; No. 48, Art. 7214; No. 53, Art. 8543; 2025, No. 14, Art. 1574; to No. 23, the Art. 2996) change, having stated it in the following edition:

"10. The consent of the subject of credit history received by the user of credit history is considered valid within six months from the date of its registration. The consent of the subject of credit history referred to category of subjects of small and medium entrepreneurship according to the Federal Law of July 24, 2007 No. 209-FZ "About development of small and medium entrepreneurship in the Russian Federation", and also the consent of the subject of credit history - physical person, provided for the purpose of the conclusion of the transaction (including agreements of providing according to such transactions) with the subject of small and medium entrepreneurship, is considered valid within one year from the date of its registration. If during the specified effective period of consent with the subject of credit history the loan agreement (credit), the agreement of leasing, the agreement of pledge, the guarantee agreement were signed, the independent guarantee is issued, the consent of the subject of credit history remains in force during all effective period of such agreements or action of such guarantee. If the consent of the subject of credit history is received by the user of credit history from subject of credit history with which the user of credit history has registrations of consent of the subject of credit history concluded and operating for date the loan agreement (credit), the agreement of leasing, the guarantee agreement, the independent guarantee is issued, the consent of the subject of credit history remains in force during all effective period of such agreements or action of such guarantee. If during effective period of consent which kept force during all effective period of the signed agreements provided by this part and action of the issued independent guarantee, the loan agreement (credit) or the agreement of leasing was signed with the subject of credit history, the consent of the subject of credit history remains in force during all effective period of again signed loan agreements (credit) or agreements of leasing. If the contract of loan (credit) is withdrawn in connection with its termination, but there is judgment which took legal effect about collection from the subject of credit history of debt on such agreement, the consent of the subject of credit history remains in force before complete debt repayment.".

Article 2

This Federal Law becomes effective from the date of its official publication.

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