Banks asked the Central Bank permission to request a credit history without the consent of the citizens

Banks asked the Central Bank permission to request a credit history without the consent of the citizens


Moscow. September 12. The banking community under the auspices of the Association “Russia” has directed to the Central Bank a letter with a proposal to cancel, in some cases, mandatory consent of the client to the Bank’s request in Bureau of credit stories (BKI), the newspaper “Kommersant”. Central Bank ready to discuss the possibility, but expects market participants to be more reasonable argument

For banks, the access history without the consent of the borrower, in the first place, enables mass to offer pre-approved products. But human rights activists believe that this will lead to a solicitation are not too financially literate citizens and growth of debt load of the population.

Bankers propose to amend the law “On credit histories” so much to do once given, consent to the request in the KJV is the indefinite (now valid for two months from receipt or until the end of the end of the loan in case of issue). In addition, the bankers propose to abolish the necessity of obtaining consent to request a credit history for those citizens, who are already with the Bank in a particular contractual relationship, in other words, if they are in client database.

The Central Bank will think

The Central Bank is ready to discuss the proposals of the bankers. According to the Chairman of the Bank of Russia Mikhail Sukhov, the regulator may consider such an option if bankers give strong arguments. He recognizes that to a large extent the consent of the borrower has become a formality — banks still at refusal of the client to the request to the CRA credit will not be given.

“At the same time, it is logical that information about the borrower’s credit history was disclosed at the time of his application for a loan”,— stressed Sukhov.

“We need to respect those who do not want to get suggestions about credit initiated by the Bank, to protect them from aggressive marketing and interference in private life,” he said.

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The willingness of the regulator to consider getting a credit history without the consent of the borrower generally positive for bankers signal. Still CBA to even discuss such a possibility would not. At the same time to argue banks would be difficult, because for them the main advantage of this change is the ability to form pre-approved offers without the participation of the client, that is just what he wants to protect the citizens Bank of Russia.

“Now, for example, often a person is our client, but we are not able to see his credit history, so we can do just offer, but the approval he gets only when you go to the Bank,— said the publication of the banker in the Bank of top 5.— It is often stated limit, or credit, the customer can not obtain due to credit history. Having a history, we could only make real offers, to use them or not, will solve the client”.

In addition, in some cases (e.g. when applying for a loan remotely or check guarantors) to obtain the consent or handwritten documents, signed by electronic signature, at the stage of consideration of the application client in General it is not possible. A simple checkbox on the request via the Internet by law to consent to the transfer of data is not considered to consider the application, it is necessary to invite the borrower to the Bank, and the result is again unknown.

Persons at risk

According to human rights activists, refusal of consent for a credit history threat for citizens. According to the Chairman of the Confederation of consumer societies Dmitry Ioannina, the consent of the potential borrower on a request to the CRA — barrier for a new wave of imposing of credits, similar to that already cited several years ago the debt load of the population and defaults of borrowers because of their low financial literacy.

“Now we have to force the borrower to come to Bank office, to communicate with the credit Manager, and if a person is not in principle need a loan, he won’t be doing this,” concludes Janine. In his opinion, precompany options, such as credit card, which was sent earlier many banks, provoke a man to take a loan, and the borrower doesn’t always understand that the money they will have to return.

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