FEDERAL LAW OF THE RUSSIAN FEDERATION

of December 29, 2025 No. 545-FZ

About modification of separate legal acts of the Russian Federation

Accepted by the State Duma on December 16, 2025

Approved by the Federation Council on December 19, 2025

Article 1

Bring in 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; 2013, No. 30, Art. 4084; No. 51, Art. 6683; 2014, No. 26, Art. 3395; 2015, No. 27, Art. 3945; 2016, No. 26, Art. 3880; 2018, No. 32, Art. 5120; 2019, No. 31, Art. 4418; 2020, No. 31, Art. 5061; 2023, No. 29, Art. 5313; No. 31, Art. 5778; No. 32, Art. 6149; 2024, No. 10, Art. 1306; No. 33, Art. 4971; 2025, No. 7, Art. 541; No. 31, Art. 4638) following changes:

Item 12 of Article 3 to state 1) in the following edition:

"12) data on average monthly payments - sizes of average monthly payments of physical person according to the signed loan agreements (credit), the forming of credit stories calculated by sources according to the procedure, established by the Bank of Russia, and also concerning each loan agreement (credit) based on which the size of average monthly payment is calculated information on the unique identifier of the agreement (transaction) appropriated to the corresponding loan agreement (credit) on all-in cost of loan (credit) according to the loan agreement (credit) as a percentage annual, about date of the actual termination of agreement obligation of loan (credit) (in case of the termination of such obligation), about bureaus of credit histories in which information on the loan agreement (credit), and other information relating to the corresponding loan agreement (credit) is stored;";

Part 8 of Article 10 to add 2) with Items 5 - 7 following contents:

"5) all-in cost of loan (credit) according to the loan agreement (credit) as a percentage annual;

6) date of the actual termination of agreement obligation of loan (credit) (in case of the termination of such obligation);

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