Translation. Region: Russian Federal
Source: Central Bank of Russia –
An important disclaimer is at the bottom of this article.
Updated: 27.08.2025
If a bank or microfinance organization has violated anti-fraud regulations stipulated by law (Articles 24.2–24.4 of Federal Law No. 395–1, Parts 5–13 of Article 9 of Federal Law No. 151-FZ), and a criminal case has been initiated on the fact of theft of borrowed money, then the borrower is released from fulfilling obligations under the loan agreement and paying interest until the court verdict on the criminal case comes into force (Parts 7–9 of Article 13 of Federal Law No. 353-FZ).
Examples of violation of anti-fraud regulations:
the loan or credit was issued without a cooling-off period; the MFI issued a loan to a person whose data is available database Bank of Russia.
If you took out a loan (credit) under the influence of fraudsters and transferred money to them, you must:
contact the police with a statement to initiate a criminal case on the fact of theft of money under a consumer credit (loan) agreement; send a copy of the resolution on the criminal case to the bank or microfinance organization (in the manner stipulated by the consumer credit (loan) agreement, by registered mail with acknowledgment of delivery, or give it to the employee in person against signature); file a claim with a court of general jurisdiction (jurisdiction is determined in accordance with Article 13 of Federal Law No. 353-FZ) to recognize the consumer credit (loan) agreement as invalid; send the court decision to the bank or microfinance organization (in the manner stipulated by the consumer credit (loan) agreement, by registered mail with acknowledgment of delivery, or give it to the employee in person against signature).
In addition, a citizen has the right to file a civil claim during the trial of a criminal case in court, containing a demand for compensation for property damage and compensation for moral damage (Part 1 of Article 44 of the Criminal Procedure Code of the Russian Federation).
Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.