She pointed out that according to current regulations, credit bureaus must store:
- positive credit information - 7 years after the full repayment of the debt;
- negative - 5 years;
- data on loans issued by pawnshops - 1 year.
In addition, it is planned to make an amendment according to which the storage period for credit information provided by a liquidated credit institution will be reduced from 5 to 2 years from the date of the last update of the data in the credit history.
The adoption of this draft law will allow:
- to create more comfortable conditions for about 200,000 borrowers who are on the blacklist;
- to increase the availability of loans for individuals and small and medium-sized enterprises;
- to contribute to the development of small and medium-sized businesses;
- to reduce the level of informal lending and the growth of microloans outside the official financial system.
Following the discussion, the parliament supported the draft in the first reading.
Photo on the main page is illustrative: toptver.ru.
