It is worth noting that the self-restriction mechanism came into effect on November 1, 2024. Its purpose is to reduce instances of fraud and protect the population from the illegal acquisition of loans without their consent.
Citizens can independently set or remove the self-restriction for free through the state electronic services portal. Information about the restriction is transmitted to the selected credit bureaus.
Financial institutions are required to request information about the existence of a self-restriction and to deny credit if such a restriction is in place.
The legislative changes that allowed for the implementation of this mechanism were signed by the president in the summer of 2025.
