A person has the right to use such a service an unlimited

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itizens will be able to establish such a self-prohibition from March 1, 2025. On October 14, 2024, the government approved the bill, having previously developed it to combat fraud - obtaining loans by third parties through the illegal use of other people's personal data and social engineering methods.

"An application for self-prohibition of issuing loans and microloans can be submitted in two ways. Firstly, through the Unified Portal of State Services. It will be forwarded to the authorized credit history bureaus, after which a notification of the decision will be sent to the user's personal account. The second way to submit an application is a personal visit to a multifunctional center (MFC). In this case, information about the credit history bureau's decision will not only be argentina whatsapp number databa se provided through the MFC, but will also be displayed in the citizen's personal account on the Unified Portal of State Services. An application for lifting the self-prohibition can be submitted in the same ways," the government said in a statement.
number of times. Information about this will be contained in the citizen's credit history.

Independent financial advisor Elena Savina believes that self-prohibition on issuing loans is a good tool for protecting personal funds and credit history from third-party attacks, illegal actions of fraudsters and intruders, as well as a practical way to protect against hasty, emotional, ill-considered actions or purchases.

"Recently, a practice has become widespread where fraudsters call under the guise of beauty salons, dentists or medical institutions and offer to undergo free treatment or examination. During such an examination, under psychological pressure on a person, they issue a loan to pay for the services rendered, medicines, medical procedures with the participation of microfinance organizations (MFOs)," noted Elena Savina.

Vladimir Chernov, an analyst at the international broker Freedom Finance Global, believes that this initiative is primarily necessary for the most vulnerable segments of the population in terms of financial literacy, in particular, the elderly and pensioners, since according to statistics, they are the ones who most often become victims of fraudsters who force them to take out a consumer loan and transfer these funds to them in order to supposedly protect themselves.

Two ways