Officials are still dissatisfied with cheating bank customers who do not understand under what conditions of consent to loans. Head of control and supervision of the financial services market by the Federal Antimonopoly Service Julia Bondarev said her office has already drafted new amendments to the Law "On Advertising". The changes will apply to all major credit terms: bank will be obliged to indicate in their advertisements in the media all the media commission, fines and additional premiums - in large print, which can be read from the middle distances. At present, there is a duty of creditors indicate the full cost of the loan. However, banks are cunning and hide additional fees and commissions in the fine print. Thus, people are mistaken in a low cost of debt and feel cheated when you have to pay for it. Earlier bank.ru talked about consumer credit in supermarkets, where banks are under the alluring title loan "10/12/1910" give it a 56% per annum. In addition, Antimonopolschiki proposes to upgrade the law "On banks and banking activity", where they want to establish norms of standard loan agreement and the details paint a mechanism for the relationship between the customer and the bank. Proposals include the point to the first sheet of the contract total cost of credit. Also, banks want the obligation to inform their customers about the full cost of the loan on the first day of treatment to a credit institution. Anti-Monopoly Service intends to achieve its consideration of amendments to the autumn session of the Duma deputies. If the initiative will support people's choices, then the banks will operate under the new rules since 2011. Currently, the average rate of consumer credit is estimated in rubles at 22.97% and in dollars and euros - 15,9%. Federal Antimonopoly Service is the executive body authorized to supervise and control the competition, natural monopolies, advertising, and the state order.
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