FEDERAL LAW OF THE RUSSIAN FEDERATION

of June 28, 2014 No. 189-FZ

About introduction of amendments to the Federal law "About Credit Stories" and separate legal acts of the Russian Federation

Accepted by the State Duma of the Russian Federation on June 20, 2014

Approved by Council of the Russian Federation on June 25, 2014

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; 2007, No. 31, Art. 4011; 2011, No. 15, Art. 2038; No. 29, Art. 4291; No. 49, Art. 7067; 2013, No. 30, Art. 4084; No. 51, Art. 6683) following changes:

Article 1 to state 1) in the following edition:

"Article 1. Subject and purposes of regulation of this Federal Law

1. This Federal Law determines concept and structure of credit history, the basis, procedure for forming, storage and use of credit stories, the activities of bureau of credit histories connected with it are regulated, features of creation, liquidation and reorganization of bureau of credit histories, and also the principles of their interaction with sources of forming of credit history, borrowers, public authorities, local government bodies and the Central bank of the Russian Federation (further - the Bank of Russia), with the organizations for benefit of which the judgment which became effective and not performed within 10 days about collection from the debtor of sums of money in connection with non-execution of obligations by it on introduction of payment for premises, utilities and communication services is taken out are established.

2. The purposes of this Federal Law are increase in security of creditors and borrowers due to general decrease in credit risks, increase in overall performance of credit institutions, microfinancial organizations and credit cooperatives, and also creation and determination of conditions for collection, processing, storage and provision in bureau of credit histories of information characterizing timeliness of execution by borrowers of the agreement obligations of loan (credit), execution by physical persons, including individual entrepreneurs, and legal entities of obligations on introduction of payment for premises, utilities and communication services and execution of maintenance obligations by physical persons according to which there is judgment which became effective and not performed within 10 days about collection from the debtor of the specified sums of money.";

2) in Article 2:

a) state Items 1 and 2 in the following edition:

"1) borrowers and the organizations concluding with physical persons, including with individual entrepreneurs, and (or) legal entities loan agreements (credit), the organizations which acquired right to claim according to the specified loan agreements (credit);

2) the organizations concluding with physical persons, including with individual entrepreneurs, and (or) legal entities loan agreements (credit), the organizations which acquired right to claim according to the specified loan agreements (credit), and bureau of credit histories;";

b) add with Items 2.1 and 2.2 of the following content:

"2. 1) the organizations for benefit of which the judgment which became effective and not performed within 10 days about collection from the debtor of sums of money in connection with non-execution of obligations by it on introduction of payment for premises, utilities and communication services, and bureau of credit histories is taken out;

2. 2) the federal executive body authorized on implementation of functions on providing established procedure of activity of the courts and execution of court resolutions and acts of other bodies, and bureau of credit histories;";

c) add with Item 10 of the following content:

"10) bureau of credit histories and receiver or liquidator.";

3) in Article 3:

a) state Items 1 and 1.1 in the following edition:

"1) credit history - information which structure is determined by this Federal Law and which is stored in bureau of credit histories;

1. 1) record of credit history - the information which is part of credit history and characterizing execution by the subject of credit history of the assumed liabilities according to one loan agreement (credit), and also other agreement or the obligation provided by this Federal Law;";

b) and 5 to state items 4 in the following edition:

"4) source of forming of credit history - the organization, being the creditor (creditor) according to the loan agreement (credit), the organization for benefit of which the judgment which became effective and not performed within 10 days about collection from the debtor of sums of money in connection with non-execution of obligations by it on introduction of payment for premises, utilities and communication services, the federal executive body authorized on implementation of functions on providing established procedure of activity of the courts and execution of court resolutions and acts of other bodies is taken out in case of collection from the debtor of sums of money on the judgment which became effective and not performed within 10 days according to unexecuted maintenance obligations, obligations on introduction of payment for premises, utilities and communication services or the guarantor - the credit or insurance company which issued the obligation to pay to the creditor of principal (beneficiary) sum of money providing according to this Federal Law information in bureau of credit histories;

5) the subject of credit history - physical person or legal entity which is borrower according to the loan agreement (credit), the guarantor, the principal concerning whom the bank guarantee is issued or for benefit of which the judgment which became effective and not performed within 10 days about collection from the debtor of sums of money in connection with non-execution of obligations by it on introduction of payment for premises, utilities and communication services or maintenance obligations is taken out and concerning which credit history is created;";

4) in Article 4:

a) in part 2:

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