Caps since 2023
Since July 1, 2023, the interest on consumer loans in Russia may not exceed 0.8% per day, and the total overpayment on loans of up to 1 year may not exceed 130% of the loan amount.
Updates
Updates and news
We do not run a news feed about lenders and do not repeat rumors. This page collects pointers: which rules for borrowers have already changed, where to check the current version of the law, and how not to miss anything important. Below is our catalogue of articles written for English-speaking readers.
A rule that changed yesterday already applies to your contract today. Check the date of the law's version, not the date of the article.
This section does not report on draft amendments or forecast them. It lists changes to the Russian consumer credit law that already apply and suggests where to check whether anything else has changed.
What has already changed
Two recent changes every borrower should know about, and where to read about them.
Self-ban since 2025
Since March 1, 2025, citizens in Russia can ban the issuance of consumer credits and loans to themselves via the public services portal or at a multifunctional center.
Where to read the law
The text of Federal Law No. 353-FZ is published on official legal information portals. Check which version was in force on the date of your contract.
Guidance from the regulator
The Bank of Russia publishes financial literacy materials and warnings about new fraud schemes. They are a good reference point if the rules seem confusing.
Article catalogue for English-speaking readers
This is where standalone articles on borrowing for English-speaking readers will appear. We write them around common borrower questions specifically for this language version and do not translate them from other languages.
- A practical guide to Destiny 2 account evaluation: Player Experience
How to size up a Destiny 2 account from a player's point of view: what to review, realistic scenarios, account-market risks and legitimate ways to progress.
- GTA 6 Release Date Updates and Official Sources: Practical Guide
Tracing GTA 6 date news back to Rockstar and Take-Two, making sense of the delay history and stamping your own notes so stale claims stop spreading.
- Aion 2 gear enhancement: Strategies, Limitations and FAQs
A careful look at Aion 2 gear enhancement: what is confirmed, what is not, sensible planning habits, account safety and how in-game play differs from paid help.
- Diablo IV: Leveling — Ecosystem Overview
Field notes on Diablo IV leveling: what the climb involves, what to prepare, solo and group approaches, paid options and the account rules worth knowing first.
- Game Boosting Versus Coaching: Benefits, Limitations and Market Trends — What Players Need to Know #1
Four composite players, from a co-op newcomer to a parent, show what boosting and coaching each deliver, where both fall short, and how the market is shifting.
Topics in progress
- Reading a loan agreement: the terms worth checking before you sign
- Spotting loan scams: upfront fees, pressure tactics and impersonation calls
- Protecting your identity: checking your credit reports and blocking new credit in your name
- Falling behind on payments: how to talk to a lender and where to find free help
Editorial rules
- Articles in this catalogue are written separately for each language version and are not translations.
- Some articles link to third-party websites, including gaming services; we do not control their content, prices or terms.
- We do not issue or match loans, or publish advertising for lenders, banks or services, rankings, prices or reviews.
How to keep track of changes
Go to the primary source
Read the law on an official portal and pay attention to the date of its latest version, not the date a summary was published.
Check against your own contract
Changes to the law usually apply to new contracts. To understand what applies to you, look at the date your contract was concluded.
Read the lender's notices
The lender notifies you of changes to the general terms in the way specified in the contract. Do not delete such messages without reading them.
Check the lender again
Before taking a new loan, look up the organization in the Bank of Russia registers again: the information in them is updated.
Related sections
- Basics
How a consumer loan works, what makes up the overpayment, who may issue loans, and what rights the law gives a borrower.
- Guides
Step-by-step guides: how to read a contract, how to check a lender, what to do about a missed payment and how to set a self-ban on new loans.
- Glossary
A borrower's dictionary: consumer loan, MFO, total cost of credit, payment schedule, penalty, restructuring, self-ban.
- FAQ
Short answers about the cost of a loan, missed payments and debt, fraudsters, and protection against loans taken out in your name.
Sources
- Federal Law No. 353-FZ of 21 December 2013 “On Consumer Credit (Loans)”
- Bank of Russia financial literacy materials (general terms)
This reference summarizes Russia's Federal Law No. 353-FZ “On Consumer Credit (Loans)” and public materials from the Bank of Russia. The law is amended from time to time, so before signing, check the version currently in force and the text of your own contract, and in a dispute, talk to a lawyer.