2023-06-30 18:59:00
On June 30, the Central Bank issued a record number of decisions on fines to banks, insurance companies and the IFC – 53. Most of the defendants received several decisions at once on the facts of violations.
So, in relation to Alfa-Bank, Otkritie Bank and Tinkoff Bank, decisions were issued under Article 14.29 of the Code of Administrative Offenses of the Russian Federation (CAO). It covers the illegal, but not subject to the Criminal Code actions to obtain or provide a credit report or information that constitutes a credit history and is included in a credit report.
A fine for officials can range from 2.5 thousand to 5 thousand rubles, for legal entities – from 30 thousand to 50 thousand rubles. Officials under this article may also be subject to disqualification for up to three years. With regard to Alfa-Bank, seven resolutions were issued under this article.
Another ruling once morest Tinkoff Bank, as well as Gazprombank, was issued under Article 15.26.3 of the Code of Administrative Offenses “Failure to fulfill the obligation to confirm and submit corrected information contained in the main part of the credit history to the credit history bureau.”
The article provides for the imposition of an administrative fine on officials in the amount of 2,000 to 5,000 rubles and on legal entities in the amount of 30,000 to 50,000 rubles.
In the activities of the insurance companies VSK, Ingosstrakh, RESO-Garantiya, AlfaStrakhovanie, Rosgosstrakh, the Bank of Russia saw violations under Article 15.34.1 of the Code of Administrative Offenses. It concerns “an unjustified refusal of an insurance organization to conclude public contracts provided for by federal laws on specific types of compulsory insurance, or imposing on an insurant or a person intending to conclude a compulsory insurance contract additional services that are not stipulated by the requirements of the federal law on a specific type of compulsory insurance.”
The Code of Administrative Offenses states that such a violation “entails the imposition of an administrative fine on officials in the amount of 20 thousand to 50 thousand rubles, on legal entities – from 100 thousand to 300 thousand rubles.”
Under this article, four resolutions were drawn up in relation to VSK, Rosgosstrakh – 10, Ingosstrakh – 14, AlfaStrakhovanie – 12, RESO-Garantia – one.
And the microcredit company “Buy not save” is brought to administrative responsibility on the basis of part 6 of article 15.26.1 of the Code of Administrative Offenses of the Russian Federation. This provision of the code concerns “non-submission or untimely submission by a microfinance organization of information contained in a credit history to credit bureaus”. Punishment – the imposition of an administrative fine on officials in the amount of 2 thousand to 5 thousand rubles, on legal entities – from 30 thousand to 50 thousand rubles. The company has two rulings.
The resolutions provide for the imposition of administrative fines on violators, while the documents published on the website of the Central Bank do not specify whether sanctions are applied to officials or legal entities.
The regulations have not yet entered into force.
The Central Bank does not disclose in more detail the reasons for bringing financial institutions to administrative responsibility in its messages. Banki.ru invites the defendants in the rulings to send comments to news@banki.ru, and they will be published.
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