What has changed in the laws from September 1, 2018

The amendments concerned inheritance, finance, transport, treatment of animals, and not only.

Inheritance

1. C 1 September, with the drafting wills the owner of the property and business can not only distribute assets among the heirs, but also to dispose of the establishment of the hereditary fundFederal Law "On Amendments to the part of the first, second and third of the Civil Code". It will create a notary after the death of the client.

Hereditary Foundation will manage the property and business of the deceased. Of the income received through this specified in the will of the heirs will receive payment.

Such a measure would allow the testator to save the business and assets after death, if among his descendants there is no one who could manage them effectively. Hereditary fund protects the property and at the same time provides the heirs money.

2. On September 1, expandsFederal law from 10.12.2003 N 173-FZ "On Currency Regulation and Currency Control" scroll currency operations that are allowed to be made between citizens. It added activities associated with obtaining by inheritance currency values.

Finance

credits

1. 1 September the central bank has raised the risk factors on consumer loans with interest rates above 10%The Bank of Russia will review the risk factors on consumer loans. So the regulator intends to restrain the growth of the number of unsecured consumer loans, with an emphasis on the quality of the loan portfolio. For customers of banks it can turn more frequent failures in loans.

The essence of innovation is that banks will have to create a more substantial financial reserves for estimated losses, if a loan without collateral will not be returned.

Previous risk factor for loans with 10-15% was 100%, now - 130%. Accordingly, the higher the interest rate at which the loan is issued, the greater the risk factor.

According to the statements of the Central Bank, the growth of loans unsecured consumer credits It increases the risks of banks and prevent lower its key rate. Innovation must make financial institutions to reconsider their attitude to borrowing and to pay more attention to the issue of loans to customers with a complete set of documents and serious intentions.

2. Since September 4, amendments to the lawFederal law from 7.3.2018 number 53-FZ "On Amendments to Certain Legislative Acts of the Russian Federation" make transparent the relationship between banks and the holders credit card. After each transaction, the financial institution will be obliged to inform the customer about the debt and available credit facilities. Information can be obtained in the SMS or e-mail.

financial Ombudsman

On September 3rd in Russia willFederal law from 04.06.2018 N 123-FZ "On the Commissioner on human consumers of financial services" commissioners for the rights of consumers of financial services. First, they will be engaged citizens of disputes with insurance companies. On January 1, 2020 for them can be accessed on the issues related to microfinance institutions. In a year will be added to the list of banks, pawnshops, private pension funds, credit consumer cooperatives.

Ombudsman is empowered to decide on the recovery from the opponent, the company amounts to 500 thousand rubles.

lock card

From 26 September, the Bank will have the rightFederal law from 27.06.2018 N 167-FZ "On Amendments to Certain Legislative Acts of the Russian Federation with regard to anti-money theft" block customer cards, if suspected that the money transferred to them crooks. After that, he must inform the owner of the account, and to have, or to confirm the operation, or to report any attempted theft.

Individuals card will be blocked for two days. the account holder will be able to prove it, he puts the money call or by SMS. Legal entities will have to confirm participation in the operations in a manner that is specified in the contract for the provision of services, concluded with the bank.

The list of operations that may be considered suspicious, does not exist yet, it will develop a central bank.

link

From September 26 the owners of search engines and anonymizers will punishFederal Law of 27/6/2018 number 155-FZ "On Amendments to the Code of the Russian Federation on Administrative Offenses" for the issue of links to banned sites with fines of up to 700 thousand rubles. To receive timely information on such sites, they must connect to the Federal government information system. If they do not, they will also be fined.

Documentation

On September 1, it will be easier to get zagranspasport. New lawRF Government Resolution of September 27, 2011 N 797 It provides that they must produce at least one of the MFC in the districts and administrative centers with a population of over 50 thousand people.

Benefits and social benefits

On September 1, social benefits provided to young families to purchase housing, you canRF Government Decree of 14.08.2018 N 940 "On Amendments to Certain Acts of the Russian Federation" use to participate in the joint construction.

Transport

1. Approved Standard P 50597-2017GOST R 50597-2017 Highway and street. Requirements for operational status, acceptable under the terms of road safety. Control methods Which reduced the time frame for the repair of the road and determined that the count potholes and damage. In addition, it obliges the road service to remove foreign objects from the roadway.

2. Since September 4, CTP contract electronically shall enter into force on the expiry of at least threeBank of Russia from 2/15/2018 N 4723-U "On Amendments to the Bank of Russia on November 14, 2016 N 4190-U" On the requirements for the use of electronic documents and order the exchange of information in electronic form in the implementation of compulsory insurance of civil liability of vehicle owners "" days after the application to the insurer. So lawmakers plan to fight the scammers.

Treatment of animals

Since September 4, shall be prohibitedFederal Law "On Amendments to the Federal Law" On hunting and hunting on the conservation of resources "and on amendments Certain Legislative Acts of the Russian Federation with regard to the prevention of cruelty to animals "from 07.03.2018 N 54-FZ Training hunting dogsIf it involves abuse of them and causing them physical harm. And prepare them for the field conditions can only be in the hunting grounds, and between the animal and its potential to be a victim of the partition. Contact pritravki become illegal.