Translartion. Region: Russians Fedetion –
Source: Central Bank of Russia (2) –
March 1, 2025 successfully launched new mechanismcombating fraud, which allows citizens to establish in their credit history a self-prohibition on banks and microfinance organizations concluding consumer credit (loan) agreements with them.
Number of citizens who have established self-prohibition
more than 8.1 million citizens
used the service to establish a self-prohibition for the first month
Every citizen with a TIN is given the opportunity to set (remove) a self-prohibition free of charge and any number of times, and to obtain information about whether he has a self-prohibition by submitting an application to qualified credit history bureaus through State Services.
The most popular type of self-prohibition
Total ban
92% of citizens who established a self-prohibition chose a complete ban
By type of prohibition
Age of citizens who showed the greatest interest in self-prohibition
over 40 years old
age of 70% of citizens who have established self-prohibition
By age
Credit obligations of citizens who have established a self-prohibition
74%
citizens who have established self-prohibition have or had credit obligations
By type of obligations
By type of prohibition (there are no and were no obligations)
By type of prohibition (having/had obligations)
It should be noted that 44% of citizens who set a self-prohibition did not have any current credit obligations at the time of its setting.
26% of citizens who set up a self-prohibition never had any credit obligations. Mostly, such citizens set up a complete self-prohibition.
Clients who only have active loans in microfinance organizations practically did not use the new instrument (less than 1% of citizens who set a self-prohibition).
90% of citizens who previously had microloans and took advantage of the new mechanism have established a complete ban.
Credit activity of citizens who have established self-prohibition (taking into account repaid obligations)
Among citizens who have established self-prohibition, 31% had or currently have from 2 to 5 obligations, 27% have more than 6 obligations.
Popularity of self-prohibition in the subjects of the Russian Federation
19%
citizens who have established self-prohibition live in Moscow and the Moscow region
The leaders in the number of self-prohibitions established in the Russian Federation in the first month of the launch of the self-prohibition mechanism were residents of:
* In each of the subjects of the Russian Federation.
| Moscow and Moscow region | more than 19% |
| Saint Petersburg | more than 5% |
| Rostov region, Sverdlovsk region, Republic of Bashkortostan and Krasnodar region* | more than 3% |
Subjects of the Russian Federation in which the service of establishing a self-prohibition, based on the results of the first month of operation of such a mechanism, became the most in demand by citizens (more than 7% of the total population of each of the specified subjects of the Russian Federation):
Nenets Autonomous Okrug; Yamalo-Nenets Autonomous Okrug; Komi Republic; Saint Petersburg; Republic of Karelia; Moscow Region; Kamchatka Krai; Moscow; Murmansk Region; Khanty-Mansi Autonomous Okrug – Yugra.
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