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Information Federal laws FZ number 162-FZ 27.06.2011

Federal law number 162-FZ 27 2011 year in June

On Amendments to Certain Legislative Acts of the Russian Federation in connection with adoption of the Federal Law "On the National Payment System"

(Adopted by the State Duma, the 14.06.2011 22.06.2011 approved by the Federation Council of)
(Published in "Rossiyskaya Gazeta" number 139 (5515) from 30.06.2011, and in the Russian legislation the Assembly of the number 27 04.07.2011, Art. 3873. On entry into force, see. Article 23 of this Act)
Attention! The text is as amended by Federal Law number 401-FZ 06.12.2011 of

Article 1
The Federal Law "On Banks and Banking Activity" (as amended by Federal Law of 3 February 1996, the number 17-FZ) (Gazette of the Congress of People's Deputies of the RSFSR and the Supreme Soviet of the RSFSR, 1990, № 27, Article 357;. Assembly of the Russian Federation , 1996, № 6, Article 492;. 1998, № 31, Article 3829;. 1999, № 28, Article 3459, 3469;. 2001, № 26, Article 2586;. № 33, Article 3424;. 2002, № 12 , Article 1093;. 2003, № 27, Article 2700;. № 52, Article 5033, 5037;. 2004, № 27, Article 2711;. 2005, № 1, Article 45;. 2006, № 19, Article 2061.; № 31, Article 3439;. 2007, № 1, Article 9;. № 22, Article 2563;. № 31, Article 4011;. № 41, Article 4845;. № 45, Article 5425;. 2009, № 9, Art . 1043; № 23, Article 2776;. № 30, Article 3739;. № 48, Article 5731;. № 52, Article 6428;. 2010, № 8, Article 775;. № 19, Article 2291;. № 27, ..... Article 3432; № 30, Article 4012; № 31, Article 4193; № 47, Article 6028; 2011, № 7, 905 v) the following changes:
1) article 1 third part shall read as follows:
"Non-bank credit organization:
1) a credit institution authorized to conduct only banking operations specified in paragraphs 3 and 4 (only with respect to bank accounts of legal entities in connection with the transfer of funds without opening bank accounts), and in paragraph 5 (only in connection with the implementation Transfers of funds without opening bank accounts) and paragraph 9 of part one of Article 5 of this Federal Law (hereinafter - a non-bank credit organization that has the right to make money transfers without Covering bank accounts and related other banking transactions);
2) credit institution that has the right to perform certain banking transactions contemplated hereby. Permissible combinations of banking operations for a non-bank credit organizations established by the Bank of Russia. ";
2) article 5:
a) In the first part:
4 paragraph the word "settlement" with the words "transfer of funds";
9 item read as follows:
"9) money transfers without opening bank accounts, including electronic money (except for mail orders).";
b) Add the seventh part as follows:
"Money transfers without opening bank accounts, except for the electronic transfer of funds made on behalf of individuals.";
3) in the second part of Article 11, the third sentence shall be stated as follows: "The minimum amount of the authorized capital of a newly registered non-bank credit organization applying for a license for non-bank credit institutions that have the right to make money transfers without opening bank accounts and other related accounts Banking operations, on the day of filing an application for state registration and issuing a license to conduct banking operations is set in the amount of 18 million ", The following sentence should be added to the sentence:" The minimum amount of the authorized capital of a newly registered non-bank credit organization that does not apply for these licenses shall be set at the amount of 18 million rubles as of the date of filing the application for state registration and issuance of a license for banking operations. ";
4) in Section 13 words "Article 13.1 this Federal Law" by "in the federal law" On the National Payment System ";
5) article 13.1 deemed null and void;
6) article 14:
a) complete sub 9 follows:
"9) profiles of candidates for the sole executive body and chief accountant of non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions. These profiles are filled with the candidates personally and must contain information required by regulations Bank of Russia, as well as information:
the presence of these persons of higher education (with submission of a copy of a diploma or equivalent document);
presence (absence) conviction. ";
b) to add the second part as follows:
"The provisions of subparagraph 8 of this Article shall not apply in case of submission of documents for the state registration of non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions, and its receipt of a license to conduct banking operations." ;
7) second part of Article 15 read as follows:
"The decision on the state registration of the credit organization and issue a license to conduct banking operations, or to refuse to made within a period not exceeding six months from the date of submission of the present Federal Law documents, such decision in respect of non-bank credit organizations entitled on money transfers without opening bank accounts and related other banking operations - in a period not exceeding three months. ";
8) second sub-paragraph of Section 1 16 words "(for candidates for the position of the sole executive body and the chief accountant of the non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions, - the lack of their higher education) ";
9) article 26:
a) part of the thirteenth to read as follows:
"The operators of payment systems may not disclose to third parties information about the transactions and accounts of participants of payment systems and their customers, other than as required by federal law.";
b) Add the eighteenth part as follows:
"Operating centers, payment clearing houses may not disclose to third parties information about the transactions and accounts of participants of payment systems and their customers obtained in the delivery of operational services, clearing services to participants in the payment system, except for the transfer of information within the payment system, and cases the federal law. ";
c) adding part nineteenth follows:
"The provisions of this Article shall apply to information about the operations of clients of credit institutions engaged in banking payment agents (subagents).";
d) by adding part twentieth follows:
"The provisions of this Article shall also apply to information about the balance of electronic money customers of credit institutions and information on electronic transfers of money lending institutions on the instructions of their clients.";
10) article 27:
a) The first part of the words "stored in the credit institution," the words "as well as on the balance of electronic money";
b) the second part shall have the following wording:
"With the arrest of the funds held in accounts and deposits, or for the balance of electronic money lending institutions immediately upon receipt of the decision on the seizure terminates operations on this account (deposit), and the electronic transfer of funds within of balance Electronic funds are seized. ";
c) The third part of the words "stored in the credit institution," the words "as well as on the balance of electronic money";
11) article 28:
a) In the first part of the word "created in the established order processing centers and" shall be deleted;
b) Add the seventh part as follows:
"Credit institutions shall be entitled to transfer funds in the payment systems that meet the requirements of the Federal Law" On the National Payment System. "";
12) fifth part of Article 29 after "the holder of this card," the words "or the absence of such compensation," the words "or the absence of such compensation."
Article 2
Item 1 article 7 Law of the Russian Federation on March 21 1991 year № 943-1 "On tax authorities of the Russian Federation" (Gazette of the Congress of People's Deputies and the Supreme Soviet of the RSFSR, 1991, № 15, Art. 492; Gazette of the Congress of People's Deputies of the Russian Federation and Supreme Soviet of the Russian Federation, 1992, № 34, Art. 1966; № 33, Art. 1912; 1993, № 12, Art. 429; Laws of the Russian Federation, 1999, № 28, Art. 3484; 2002, № 1, Art . 2; 2003, № 21, Art. 1957; 2004, № 27, Art. 2711; 2005, № 30, Art. 3101; 2006, № 31, Art. 3436; 2009, № 29, Art. 3599) add the following paragraph as follows:
"To monitor compliance with payment agents operating in accordance with the Federal Law from 3 June 2009 year number 103-FZ" On the activities to receive payments by individuals carried out by payment agents, "bank payment agents and bank payment subagents operating in accordance With the Federal Law "On the National Payment System", the obligations to hand over to the credit organization the money received from the payers when accepting payments of cash for achisleniya in full on your special bank account (s), the use of paying agents, suppliers, bank payment agents and bank payment subagents special bank account for payments, as well as impose fines on organizations and individual employers for violation of these requirements. ".
Article 3
Part IV Article 37 RF Law on February 7 1992 year № 2300-1 "On Protection of Consumer Rights" (as amended by Federal Law of January 9 1996 year № 2-FZ) (Bulletin of Congress of People's Deputies of the Russian Federation and the Supreme Soviet of the Russian Federation, 1992, № 15, Art. 766; Laws of the Russian Federation, 1996, № 3, Art. 140; 1999, № 51, Art. 6287; 2004, № 52, Art. 5275; 2006, № 31, Art. 3439; 2009, № 23, Art. 2776) after the words "bank paying agent", the words "(subagent)."
Article 4
Article 42 Federal Law of April 22 1996 year № 39-FZ "On the Securities Market" (Collected Legislation of the Russian Federation, 1996, № 17, Art. 1918; 2001, № 33, Art. 3424; 2002, № 52, Art. 5141; 2006, № 1, Art. 5; № 17, Art. 1780; № 31, Art. 3437) 24 add paragraph to read:
"24) interacts with the Bank of Russia in the implementation of the Bank of Russia for oversight and supervision of payment systems, which transfer money to settlement of securities transactions, and (or) the transactions made on organized trading in the cases stipulated by the Federal Law" On the national payment system. "".
Article 5
Mark as part of the Tax Code of the Russian Federation (Collection of Laws of the Russian Federation, 1998, № 31, Art. 3824; 1999, № 28, Art. 3487; 2000, № 2, Art. 134; 2003, № 27, Art. 2700; № 52, Art. 5037; 2004, № 27, Art. 2711; № 31, Art. 3231; 2005, № 45, Art. 4585; 2006, № 31, Art. 3436; 2007, № 1, Art. 28, 31; № 18, Art. 2118; 2008, № 26, Art. 3022; № 48, Art. 5500, 5519; 2009, № 52, Art. 6450; 2010, № 31, Art. 4198; № 45, Art. 5752; № 48, Art. 6247; № 49, Art. 6420; 2011, № 1, Art. 16) as follows:
1) point 2 article 23 supplement 1.1 subparagraph to read:
"1.1) the occurrence or termination of the right to use corporate electronic means of payment for the electronic transfer of funds - within seven days from the event (termination) of such a right;";
2) point 3 article 45 supplement 1.1 subparagraph to read:
"1.1) from the transfer of an individual in order for the bank transfer to the budget of the Russian Federation to the account of the Federal Treasury, without opening a bank account money to banks by an individual, if they are sufficient for the transfer,";
3) article 46:
a) Name of the words ", as well as through its electronic cash";
b) Paragraph 1 the words "and its electronic cash";
c) The second paragraph of paragraph 2 after "private entrepreneur", the words "as well as the tax authority to order transfer of electronic money to the taxpayer (tax agent) - an organization or individual entrepreneur";
d) by adding paragraph 6.1 follows:
"6.1. If insufficient or no funds in the accounts of the taxpayer (tax agent) - an organization or individual entrepreneur tax authority to collect taxes through electronic funds.
Tax exemption by the electronic money of the taxpayer (tax agent) - an organization or individual entrepreneur shall be by way of a bank, which are electronic money order tax authorities for transfer of electronic money to the taxpayer (tax agent) - an organization or individual entrepreneur in the bank.
Tax authority to order transfer of electronic money shall specify details of corporate electronic payment the taxpayer (tax agent) - an organization or individual entrepreneur, with whom to be made of electronic transfer of funds, an indication of the amount to be transferred, as well as details of accounts of the taxpayer (tax agent) - an organization or individual entrepreneur.
Collection of a tax may be due to the remnants of electronic cash in rubles, and in their failure as balance of electronic money in foreign currency. In collecting tax from the remnants of electronic money in foreign currency and in the order you specify the tax authority to transfer electronic cash foreign currency account of the taxpayer (tax agent) - an organization or individual entrepreneur electronic bank transfers the funds to this account.
If the tax is collected from the remnants of electronic funds in foreign currency and the instruction is indicated in the instruction of the tax authority for the transfer of electronic funds to the ruble account of the taxpayer (tax agent) -organization or individual entrepreneur, the head (deputy head) of the tax authority simultaneously with the instruction of the tax authority to translate electronic Of funds sends an order to the bank for sale no later than the next day of the taxpayer's foreign currency (tax agent ) - an organization or an individual entrepreneur. Expenses related to the sale of foreign currency are carried out at the expense of the taxpayer (tax agent). The Bank transfers electronic funds to the ruble account of a taxpayer (tax agent) - an organization or an individual entrepreneur in an amount equivalent to the amount of payment in rubles at the exchange rate of the Central Bank of the Russian Federation as of the date of transfer of electronic funds.
In case of insufficiency or absence of electronic money to the taxpayer (tax agent) - an organization or individual entrepreneur in the day the bank received the order of the tax authority for electronic funds transfer instruction is executed upon receipt of electronic cash.
Tax authority to order transfer of electronic funds executed by the bank not later than one business day following the date of receipt of such order, if recovery of tax is due to the remnants of electronic money in rubles, and no later than two business days, if the penalty tax is due Electronic cash balances in foreign currencies. ";
d) paragraph 7 should read:
"7: In case of insufficiency or lack of funds in the accounts of a taxpayer (tax agent) - an organization or an individual entrepreneur or his electronic funds or in the absence of information on the accounts of a taxpayer (tax agent) - an organization or an individual entrepreneur or information about the details of his corporate electronic means Payment used for the transfer of electronic funds, the tax authority has the right to collect tax at the expense of other property taxpayers and (tax agent) - the organization or individual entrepreneur in accordance with article 47 of the Code. ";
e) Item 8 the words "or the suspension of electronic transfers of funds";
4) article 48:
a) The first paragraph of paragraph 1 after "cash in bank", the words "electronic funds transfers are made using personalized electronic means of payment,";
b) Sub-paragraph 1 5 words "and electronic funds transfers are made using personalized electronic means of payment";
5) point 3 article 60 after "in the account of the taxpayer", the words "or the remainder of its electronic cash";
6) article 76:
a) the name after "banks", the words "as well as the electronic transfer of funds";
b) in paragraph 1:
the first paragraph after the words "bank", the words "and the electronic transfer of funds";
add the following paragraph:
"Suspension of electronic transfer of funds means the cessation of all bank transactions that entail reducing the balance of electronic cash, unless otherwise required by paragraph 2 this Article.";
c) in paragraph 2:
the first paragraph after the words "bank", the words "and its electronic transfer of funds";
In the second paragraph the words "bank", the words "and its electronic transfer of funds";
Add a new fourth paragraph to read:
"Suspension of electronic transfer of funds taxpaying organization in the case provided for in this paragraph, means the termination of the bank transactions that entail reducing the balance of electronic money up to the amount specified in the decision of the tax authority.";
Paragraph four considered the fifth paragraph;
add the following paragraph:
"Suspension of electronic transfer of funds in foreign currency taxpayer organization in the case provided for in this paragraph, means the termination of the bank transactions that entail reducing the balance of electronic money up to the amount in foreign currency, the equivalent specified in the decision of the tax authority the amount in rubles at the exchange rate of the Bank of the Russian Federation, on the date of the commencement of the suspension of the electronic transfer of funds in foreign currency prices of the taxpayer. ";
g) In paragraph 3:
the first paragraph after the words "bank", the words "and its electronic transfer of funds";
In the second paragraph, after the words "account" the words "and the electronic transfer of funds";
e) in paragraph 4:
the first paragraph after the words "bank", the words "and its electronic transfer of funds";
In the second paragraph, after "taxpayer-organization", the words "and its electronic transfer of funds";
The third paragraph should read:
"The procedure for sending to the bank electronically tax authorities' decision to suspend operations on account of the taxpayer organization in the bank and transfer its electronic money or the decision to cancel the suspension of transactions on the accounts of the taxpayer organization in the bank and transfer its electronic funds established by the Central Bank of the Russian Federation in coordination with the federal executive body in charge of control and supervision in the area of ​​taxes and fees. ";
fourth paragraph after the word "bank", the words "and its electronic transfers of funds";
fifth paragraph after the word "bank", the words "and the transfer of its electronic cash";
e) Item 5 after "operations have been suspended," the words "and the remainder of electronic funds transfer has been suspended," the words "and the transfer of its electronic cash";
g) of 6 after "bank", the words "transfer its electronic cash";
h) in paragraph 7:
the first paragraph after the words "bank", the words "and its electronic transfer of funds" after "such operations", the words "such transfer", the words ", the tax authority decision to revoke suspension of its electronic transfer of funds";
In the second paragraph the words "bank", the words "and its electronic transfer of funds";
add the following paragraph:
"In the event that after making a decision to suspend transfers of electronic funds of the taxpayer organization, the name of the taxpayer-organization and (or) the details of the corporate electronic means of payment of the taxpayer-organization, electronic money transfers using which are suspended by this decision of the tax authority , The specified decision is subject to execution by the bank also in relation to the taxpayer-organization that changed its name and transfers Electronic funds using a corporate electronic means of payment, which has changed details. ";
i) point 8 after "bank", the words "and its electronic transfers of funds";
k) by adding paragraph 9.3 follows:
"9.3. Paragraphs 9, 9.1 9.2 and shall also apply in the case of suspension of the electronic transfer of funds of the taxpayer organization.";
l) point 10 after "bank", the words "and its electronic transfer of funds";
m) in paragraph 11 words "and" exclude the words ", and with respect to the suspension of electronic transfers of funds of persons";
n) point 12 after "the accounts of the taxpayer-organization", the words "and its electronic transfer of funds," the words "and to provide the organization's right to use the new corporate electronic means of payment for the electronic transfer of funds";
7) article 86:
a) In paragraph 1:
the first paragraph after the words "private entrepreneurs", the words "and give them the right to use corporate electronic means of payment for the electronic transfer of funds";
In the second paragraph, after "(individual entrepreneur)" the words ", to grant rights or termination of the right to organize (individual entrepreneur) use corporate electronic means of payment for the electronic transfer of money to change the details of corporate electronic means of payment," the words "opening, closing or change the details of such an account "with the word" event ";
The third paragraph, after "account information", the words ", to grant rights or termination of the right organization (individual entrepreneur) use corporate electronic means of payment for electronic funds transfers, change of details of corporate electronic payment";
fourth paragraph, after "account information", the words ", to grant rights or termination of the right to organize (individual entrepreneur) use corporate electronic means of payment for the electronic transfer of money to change the details of corporate electronic payment";
b) in paragraph 2:
the first paragraph after the words "(self-employed)", the words "as well as help on the balance of electronic cash and electronic transfers of funds";
in the second paragraph, the words "and" exclude the words "bank", the words "as well as information about the balance of electronic cash and electronic transfers of funds";
The third paragraph should read:
"Referred to in this paragraph, information may be sought by the tax authority after the decision to collect taxes, and in the case of the decision to suspend operations on the accounts of the organization (individual entrepreneur), suspension of electronic transfers of funds or revoke suspension of operations on the accounts of (individual entrepreneur) and the suspension of electronic transfers of funds. ";
a) paragraph 4 the words ", as well as for corporate electronic payment of such persons, used for electronic transfer of funds";
8) point 1 article 102 supplement 6 subparagraph to read:
"6) presented to the public information system on the state and municipal payments provided by the Federal Law of July 27 2010 year № 210-FZ" On the organization of state and municipal services. "";
9) add Article 135.2 follows:
"Article 135.2. Violation bank obligations related to electronic money
1. Giving the right organization, sole proprietor, a notary in private practice, or a lawyer, a lawyer to establish an office, corporate use electronic means of payment for the electronic transfer of funds without presenting evidence of the person (notice) for registration with the tax authorities, as well as the provision of this right when the Bank tax authorities' decision to suspend the transfer of electronic money this person
involve collecting fine 20 thousand.
2. Failure to communicate in a timely bank tax authorities about the provision (termination) rights organization, sole proprietor, a notary in private practice, or a lawyer, a lawyer to establish an office, use corporate electronic means of payment for the electronic transfer of funds, changing details corporate electronic payment
shall levy a fine 40 thousand.
3. Execution by the bank if it has tax authorities' decision to suspend the transfer of electronic money to the taxpayer, paying duty or tax agent to order the transfer of electronic funds, the non-fulfillment of obligations to pay tax (advance payment), collection, penalties, fines,
shall levy a fine 20 percent of the amount listed in the response to the request of the taxpayer, fee payer or tax agent, but not more than the debt, and in the absence of debt - in the amount 20 thousand.
4. Wrongful failure by the bank in accordance with this Code, the term of the tax authority to order transfer of electronic funds
involves fine in the amount of one stopyatidesyatoy rate of the Central Bank of the Russian Federation, but not more 0,2 percent for each calendar day of delay.
5. Commit bank action to create a situation of lack of electronic cash balance of the taxpayer or the tax payer's collection agent in respect of which the bank is instructed tax authority
shall levy a fine of not 30 interest received as a result of such actions amount.
6. Failure to bank certificates of balances of cash and electronic transfers of electronic cash to the tax authorities in accordance with Article 2 86 this Code and (or) non-disclosure on the balance of electronic money transfers have been suspended in accordance with Article 5 76 this Code and the presentation of certificates out of time or certificates containing false information,
involve collecting fine 10 thousand. ";
10) article 136 shall read as follows:
"Article 136. Procedure on banks with fines and penalties
Penalties specified in articles 132 - 135.2, collected in the same order as provided for by this Code enforcement penalties for tax offenses. ".
Article 6
Make the Budget Code of the Russian Federation (Collection of Laws of the Russian Federation, 1998, № 31, Art. 3823; 2005, № 1, Art. 8; 2007, № 18, Art. 2117; 2010, № 19, Art. 2291) the following changes :
1) in paragraph 2 article 160.1:
a) Add a new paragraph seven as follows:
"Provides the information necessary for the payment of money by individuals and legal entities for state and local government services, and other fees that generate revenue generation budgets of the budget system of the Russian Federation, the State Information System on state and municipal payments in accordance with the procedure established by the Federal Act of July 27 2010 year № 210-FZ "On the organization of state and municipal services," ";
b) The seventh paragraph of paragraph eight count;
2) in paragraph 1 article 166.1:
a) the new paragraph twenty second reading:
"Performs the creation, maintenance, development and maintenance of the State Information System on state and municipal payments;";
b) Add the twenty-third paragraph to read:
"In coordination with the Central Bank of the Russian Federation in accordance with the Federal Law of July 27 2010 year № 210-FZ" On the organization of state and municipal services, "the conduct of the State information system of state and local government payments;";
a) in paragraph twenty-second paragraph of the twenty-fourth count.
Article 7
Article 28 Federal Law of February 25 1999 year № 40-FZ "On Insolvency (Bankruptcy)" (Collected Legislation of the Russian Federation, 1999, № 9, Art. 1097; 2001, № 26, Art. 2590; 2004, № 34 , Art. 3536; 2009, № 18, Art. 2153) 3 add paragraph to read:
"3. Transaction made by credit organizations - participants of the payment system, the central payment clearing counterparty clearinghouse payment system, according to which the credit institution has an obligation as a result of the definition of payment clearing positions on a net basis in the payment system, provided it meets the requirements of the transaction Federal Law "On the national payment system" can not be invalidated on the grounds specified in this Article. ".
Article 8
Item 3 333.18 articles of the Tax Code of the Russian Federation (Collection of Laws of the Russian Federation, 2000, № 32, Art. 3340; 2004, № 45, Art. 4377; 2005, № 52, Art. 5581; 2006, № 1, Art. 12; 2007, № 31, Art. 4013; 2009, № 52, Art. 6450) add the following paragraph:
"In the presence of authorities and officials mentioned in paragraph 1 333.16 articles of this Code, except consular information about the payment of the fee provided in the State information system of state and local government payments provided by the Federal Law of July 27 2010 year № 210 -FZ "On the organization of state and municipal services," the confirmation of the payment of the state fee payer is not required. ".
Article 9
The Federal Law of August 7 2001 year № 115-FZ "On Combating Legalization (Laundering) of the Proceeds from Crime and Financing of Terrorism" (Collected Legislation of the Russian Federation, 2001, № 33, Art. 3418; 2002, № 44, Art. 4296; 2004, № 31, Art. 3224; 2006, № 31, Art. 3446; 2007, № 16, Art. 1831; № 49, Art. 6036; 2009, № 23, Art. 2776; 2010, № 30, Art. 4007) as follows:
1) article 7:
a) in paragraph 1.1 word "establishment and identification of beneficiaries" with "the client's representative, and (or) the beneficiary";
b) in paragraph 1.2 word "establishment and identification of beneficiaries" with "the client's representative, and (or) the beneficiary";
c) add paragraph 1.4 follows:
"1.4." The identification of a client - an individual, a representative of a client and (or) a beneficiary is not carried out when credit institutions, including with the involvement of bank payment agents, transfer funds without opening a bank account, including electronic funds, if the transfer amount Does not exceed 15 000 rubles or the amount in foreign currency equivalent to 15 000 rubles, unless the employees of the credit institution, bank paying agents are suspected that azannaya operation is performed in order legalizing (laundering) laundering or terrorist financing. ";
d) by adding paragraph 1.5 follows:
"1.5. A credit institution shall have the right to charge based on the contract by the other credit organizations, the federal postal service, bank payment agent conducting customer identification - an individual, a representative of the client, and (or) the beneficiary in order to make a transfer of funds without a bank account, including electronic cash. ";
e) add paragraph 1.6 follows:
"1.6. In the case referred to in paragraph 1.5 of this Article, a credit institution, charged with the identification, shall be responsible for compliance with the requirements for the identification, the present Federal Law and adopted in accordance with the regulatory legal acts.";
e) add paragraph 1.7 follows:
"1.7. Credit organizations, the federal postal service entrusted with carrying out the identification shall be liable for non-compliance on the identification in accordance with this federal law. Banking paying agents shall be liable for non-compliance on the identification in accordance with the agreement concluded with the credit organization. ";
g) add paragraph 1.8 follows:
"1.8. Failure to comply with the established requirements to identify the person to whom in accordance with this Article 1.5 credit organization has commissioned a identification, shall be liable in accordance with the agreement concluded with a credit institution, including the recovery of a penalty (fine, penalty). Failure to comply with the established requirements Identification can also be grounds for unilateral withdrawal from the contract of the credit institution with the specified person. ";
h) by adding paragraph 1.9 follows:
"1.9. Persons to whom the credit institution charged with the identification in accordance with paragraph 1.5 this Article, a credit institution must pass the full information obtained during the identification, in the manner specified in the contract, within the period set by the Bank of Russia for coordination with the authorized authority. ";
i) add paragraph 1.10 follows:
"1.10. Credit institutions are required to report to the Bank of Russia in the manner prescribed by the information on the persons whom the credit institution charged with the identification.";
k) in the ninth paragraph of paragraph 2 word "recommendations" to replace the word "requirements";
2) article 8:
a) In the third part, the words "five working days" substitute "to 30 days";
b) to add a new fourth part as follows:
"According to the court's decision, on the basis of the application of the authorized body, operations on bank accounts (deposits), as well as other transactions with monetary funds or other property of organizations or persons in respect of which there are information on their involvement in the procedure established in accordance with this Federal Law Extremist activity or terrorism, or legal entities directly or indirectly owned or controlled by such an organization or person, or natural or legal persons operating On behalf or at the direction of such an organization or person, shall be suspended until such decision is rescinded in accordance with the legislation of the Russian Federation. ";
c) in the fourth and fifth, respectively, considered part of the fifth and sixth;
3) second part of Article 10 add the words "or on the basis of reciprocity."
Article 10
Write in the Russian Federation Code of Administrative Offenses (Collection of the Russian Federation, 2002, № 1, Article 1;. № 30, Article 3029;. № 44, Article 4295;. 2003, № 27, Article 2700, 2708, 2717.; No. 46, item 4434, 50, 4847, 4855, 52, 5037, 2004, 31, 3229, 34, 3529, 3533, 2005, 1, 9, 13, 45, 10, 763, 13, 1075, 1077, 19, 1752, 27, 2719, 2721, 30, 3104, 3131, 50, 5247, 2006, 1; 10, 2, 172, 10, 1067, 12, 1234, 17, 1776, 18, 1907, 19, 2066, 23, 2380, 31, 3420, 3433, 3438 . 3452; № 45, Art 4641;. № 50, Art 5279, 52, 5498, 2007;. № 1, Art 21;. № 29, Art 33;. № 16, 1825, 26, 3089, 30, 3755, 31, 4007, 4008, 41, 4845, 43, 5084, 46, 5553, 2008, 18 1941, Art 20;. № 2251, Art 30;. № 3604, 49 item;. 5745, number 52, Art. 6235; No. 6236, art. 2009; No. 7, art. 777; No. 23, art. 2759; No. 2776, art. 26, 3120; 3122, No. 29, art. 3597; No. 3642, art. 30, 3739; No. 45, art. 5267, 48; No. 5711, art. 5724, 52; No. 6412, art. 2010; No. 1, art. 1; No. 21, art. 2525, 23; No. 2790, art. 27; 3416, No. 28, art. 3553; No. 30, art. 4002; No. 4005, art. 4006; No. 4007, art. 31; No. 4158, art. 4164; No. 4193, art. 4195, 4206, 4207, 4208; No. 41, art. 5192, 5193, 49, 6409, 2011, 1, 10; No. 23, art. 54, 7; No. 901, art. 905; 15, No. 2039, art. 17, 2310, 19; No. 2715, art. XNUMX, XNUMX; No. XNUMX, art. XNUMX; No. XNUMX, art. XNUMX; No. XNUMX, art. XNUMX) the following changes:
1) article 15.1:
a) the name should read:
"Article 15.1. Violation of the order of the cash flow and order of cash transactions, as well as violation of the use of special bank accounts";
b) In the first paragraph the word "violation" with the words "1. Violation";
c) adding part 2 follows:
"2: Violation by payment agents operating in accordance with the Federal Law from 3 June 2009-No 103-FZ" On the activity for receiving payments by individuals carried out by payment agents ", bank payment agents and bank payment subagents operating in accordance with The Federal Law "On the National Payment System," the obligation to transfer to the credit organization received from payers when accepting payments of cash funds for enrollment in full To its special bank account (accounts), as well as the failure to use the payment accounts, suppliers, bank payment agents, bank payment subagents of special bank accounts for the implementation of the relevant calculations -
punishable by an administrative fine on officials in the amount of four thousand to five thousand rubles for legal entities - from forty thousand to fifty thousand. ";
2) chapter 15 add Article 15.36 follows:
"Article 15.36. Failure Bank of Russia regulations aimed at supervising them in the national payment system
Repeated failure to perform during the year by the operator of the payment system operations center, payment clearing center prescriptions Bank of Russia, sent to them in surveillance in the national payment system -
punishable by an administrative fine on officials in the amount of thirty thousand to fifty thousand rubles for legal entities - from one hundred thousand to five hundred thousand. ";
3) part 1 article 23.1 after figures "15.33," the words "15.36 (except for administrative offenses committed by a credit institution),";
4) article 28.3:
a) Paragraph 81 part 2 read as follows:
"81) officials of the Bank of Russia - the administrative offenses provided for by Article 15.26, parts 1 - 4 article 15.27, Article 15.36 (except for administrative offenses committed by a credit institution) of this Code";
b) in the first paragraph of 4 words "and authorized the executive authorities of the Russian Federation" with the words "authorized by the executive authorities of the Russian Federation and the Bank of Russia";
5) article 32.2:
a) Part 3 read as follows:
"3." The amount of an administrative fine is paid or transferred by a person brought to administrative responsibility in a credit institution, including with the involvement of a bank paying agent or bank payment subagent carrying out activities in accordance with the Federal Law on the National Payment System, Communication or payment agent operating in accordance with the Federal Law of 3 June 2009 year number 103-FZ "On the activity to receive payments to the physical FIR persons, carried out by payment agents ".";
b) part 53 after "confirm the payment of an administrative fine," the words "and information on the payment of an administrative fine in the State information system of state and local government payments";
c) adding part 8 follows:
"8: A bank or other credit institution, the organization of a federal postal service, a payment agent that carries out activities to receive payments by individuals, or a bank paying agent (subagent) that operates in accordance with the Federal Law on the National Payment System, An administrative fine, are obliged immediately after payment of an administrative fine by a person brought to administrative responsibility, to send information on the payment of an administrative fine in State information system on state and municipal payments, provided by the Federal Law of 27 July 2010 No. 210-FZ "On the organization of the provision of state and municipal services."
Article 11
The Federal Law of July 10 2002 year № 86-FZ "On the Central Bank of the Russian Federation (Bank of Russia)" (Collected Legislation of the Russian Federation, 2002, № 28, Art. 2790; 2003, № 2, Art. 157; № 52 , Art. 5032; 2004, № 27, Art. 2711; № 31, Art. 3233; 2005, № 25, Art. 2426; № 30, Art. 3101; 2006, № 19, Art. 2061; № 25, Art . 2648; 2007, № 1, Art. 9, 10; № 10, Art. 1151; № 18, Art. 2117; 2008, № 42, Art. 4696, 4699; № 44, Art. 4982; № 52, Art . 6229, 6231; 2009, № 1, Art. 25; № 29, Art. 3629; № 48, Art. 5731; 2010, № 45, Art. 5756; 2011, № 7, Art. 907) as follows:
1) fourth paragraph of Section 3 read as follows:
"To ensure the stability and development of the national payment system.";
2) article 4 4.1 add paragraph to read:
"4.1) provides oversight and supervision in the national payment system;";
3) Paragraph five points 8 13 article read as follows:
"The stability and development of the national payment system";
4) add Article 62.1 follows:
"Article 62.1. Bank of Russia sets the non-bank credit organizations entitled to the money transfers without opening bank accounts and other related banking transactions under paragraph 1 part three of Article 1 the Federal Law" On Banks and Banking Activity ", the following mandatory standards:
1) adequacy of own funds (capital), defined as the ratio of own funds (capital) to the sum of liabilities to customers in the last quarter of the reporting date. The ratio of own funds (capital) is set at 2 percent;
2) liquidity ratio, defined as the ratio of liquid assets in the next performance period 30 days to liabilities to customers for the last quarter of the reporting date. Liquidity ratio is fixed at 100 percent.
Non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions, must manage operational risk and ensure the smooth implementation of the transfer of funds in accordance with the requirements established by regulatory acts of the Bank of Russia.
Non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions, which average six months the amount of liabilities to its clients for money transfers without opening bank accounts during the month exceeds 2 billion rubles, the reporting the Bank of Russia on a quarterly basis.
Non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions, which average six months the amount of liabilities to its clients for money transfers without opening bank accounts during the month does not exceed 2 billion rubles are reporting to the Bank of Russia once a year.
Procedures and forms for reporting non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions shall be prescribed by the Bank of Russia.
Non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions, may issue cash advances to customers for transfers without opening bank accounts only:
1) due from the Bank of Russia;
2) on deposit at the Bank of Russia;
3) on correspondent accounts with credit institutions.
Non-bank credit organizations entitled to money transfers without opening bank accounts and other related banking transactions, are required to disclose to the public information about people that have a significant (direct or indirect) influence on the decisions taken by their management, in order established by the Bank of Russia for banks, registered in the compulsory deposit insurance in Russian Federation. ";
5) part one of Article 73 read as follows:
"Article 73. To carry out the functions of the banking regulation and banking supervision, the Bank of Russia conducts inspections of credit institutions (or their branches), sends them binding orders on the elimination of their activities in violation of federal law, issued in accordance with regulations of the Bank of Russia and applies contemplated hereby action against the violators. ";
6) part of Article 74 read as follows:
"To the credit institution can not be used by the Bank of Russia the measures envisaged in the first and second paragraph of this Article, if the date of the violation expired five years. Measures provided for in this Article may not be used by the Bank of Russia in connection with the failure of a credit institution (or its subsidiary) provisions of the documents (acts) of the Bank of Russia, which are not regulations or instructions of the Bank of Russia. ";
7) Chapter XII deemed null and void;
8) head XII.1 add the following lines:
"Chapter XII.1. Stability and development of the national payment system
Article 82.1. Ensuring the stability and development of the national payment system implemented by the Bank of Russia in accordance with the Federal Law "On the National Payment System."
Direction of development of the national payment system to determine the strategy of national payment system adopted by the Bank of Russia.
Article 82.2. The Bank of Russia organizes and provides effective and smooth functioning of the payment system of the Bank of Russia and carries her observation.
Article 82.3. The Bank of Russia sets the rules of cash payments, including restrictions of cash payments between legal entities, as well as calculations involving citizens associated with their business activities.
The Bank of Russia sets the rules, forms and standards of non-cash payments. ".
Article 12
The Federal Law of May 22 2003 year № 54-FZ "On the application of cash registers for cash transactions and (or) payments using payment cards" (Collected Legislation of the Russian Federation, 2003, № 21, Art. 1957; 2009, № 23, Art. 2776; № 29, Art. 3599; 2010, № 31, Art. 4161) as follows:
1) ninth paragraph of Article 1 after "bank payment agent," the words "sub-agent";
2) point 4 article 2 after "bank payment agents," the words "sub-agents";
3) article 4:
a) The second paragraph of paragraph 1 after "bank payment agents," the words "sub-agents";
b) the first paragraph of paragraph 1.1 after "bank payment agent," the words "sub-agent" after "bank payment agents," the words "sub-agents";
4) the first paragraph of paragraph 1 article 5 after "bank payment agents," the words "sub-agents".
Article 13
Article 54 Federal Law of July 7 2003 year № 126-FZ "On communication" (Collected Legislation of the Russian Federation, 2003, № 28, Art. 2895; 2004, № 35, Art. 3607; 2006, № 10, Art. 1069) 4 add paragraph to read:
"4. Funds are upfront party - an individual for communications services, can be used to increase the balance of electronic money such party in accordance with the Federal Law" On the National Payment System. "".
Article 14
The Federal Law of December 10 2003 year № 173-FZ "On Currency Regulation and Currency Control" (Collected Legislation of the Russian Federation, 2003, № 50, Art. 4859; 2005, № 30, Art. 3101; 2006, № 31, Art. 3430; 2007, № 1, Art. 30; 2008, № 30, Art. 3606) as follows:
1) article 10:
a) by adding part 1.1 follows:
"1.1. Nonresidents may fully exercise together in the Russian Federation, foreign currency translation and the currency of the Russian Federation without bank accounts and make transfers of foreign currency and the currency of the Russian Federation without bank accounts in Russia and get in the Russian Federation translation of foreign currency and the currency of the Russian Federation without bank accounts. ";
b) part 3 the words ", except as specified in Paragraph 1.1 this article";
2) article 14:
a) The first paragraph of 2 the words ", as well as electronic transfers of funds";
b) part 3 9 add paragraph to read:
"9) transfer without bank accounts a natural person - a resident of a non-resident in the territory of the Russian Federation, received by an individual - resident transfer without bank accounts in the Russian Federation from the non-resident carries out when the Central Bank of the Russian Federation law, which may include, respectively, only limit the amount of transfer and receipt of the amount of translation. ".
Article 15
Part 2 article 5 Federal Law of December 23 2003 year № 177-FZ "On Insurance of Household Deposits in Banks of the Russian Federation" (Collected Legislation of the Russian Federation, 2003, № 52, Art. 5029; 2008, № 52, Art. 6225) 5 add paragraph to read:
"5) is an electronic cash.".
Attention! Wording of Article 16 changed according to the Federal Law № 401-FZ, the 06.12.2011
New edition:
Article 16
Part 3 article 40 Federal Law of July 26 2006 year № 135-FZ "On Protection of Competition" (Collected Legislation of the Russian Federation, 2006, № 31, Art. 3434) after the word "organizations", the words "organizations - operators of payment systems, payment infrastructure service operators in the performance of activities in accordance with the Federal Law "On the National Payment System."
The old version:
Article 16
Part 3 article 40 Federal Law of July 26 2006 year № 135-FZ "On Protection of Competition" (Collected Legislation of the Russian Federation, 2006, № 31, Art. 3434) after the word "services", the words "as well as organizations - operators of payment systems, payment infrastructure service operators in the performance of activities in accordance with the Federal Law "On the National Payment System."
Article 17
The Federal Law of October 2 2007 year № 229-FZ "On Enforcement Proceedings" (Collected Legislation of the Russian Federation, 2007, № 41, Art. 4849) as follows:
1) article 70:
a) by adding part 12 follows:
"12. Provisions of this Article shall also apply in the case of foreclosure of the electronic money of the debtor, the translation of which is carried out with the use of electronic means of payment, personalized, corporate electronic means of payment.";
b) adding part 13 follows:
"13. On funds held in the account of the guarantee fund of the payment system, which was opened in accordance with the Federal Law" On the National Payment System ", can not be levied on the obligations of the operator of the payment system, the central counterparty clearing of payments or a member of the payment system.";
2) article 71 7 adding part as follows:
"7. Provisions of this Article shall also apply in the case of foreclosure of the electronic money of the debtor, the translation of which is carried out with the use of electronic means of payment, personalized, corporate electronic means of payment.";
3) article 72 10 adding part as follows:
"10. Provisions of this Article shall also apply in the case of foreclosure of the electronic money of the debtor, the translation of which is carried out with the use of electronic means of payment, personalized, corporate electronic means of payment.".
Article 18
Part 3 article 1 Federal Law of December 26 2008 year № 294-FZ "On protection of legal entities and individual entrepreneurs in the state control (supervision) and municipal control" (Collected Legislation of the Russian Federation, 2008, № 52, Art. 6249; 2009, № 18, Art. 2140; № 29, Art. 3601; № 52, Art. 6441; 2010, № 17, Art. 1988; № 31, Art. 4160, 4193; 2011, № 7, Art. 905; № 17, Art. 2310) after the words "banking and insurance supervision," the words "supervision of the national payment system."
Article 19
The Federal Law of June 3 2009 year № 103-FZ "On the activity to receive payments of individuals, carried out by payment agents" (Collected Legislation of the Russian Federation, 2009, № 23, Art. 2758; № 48, Art. 5739; 2010, № 19, Art. 2291) as follows:
1) article 1 3 adding part as follows:
"3. To relations regulated by this Federal Law, the rules of the Federal Law" On the National Payment System "are used only in the part of the Bank of Russia for monitoring in accordance with Article 1 1 35 of this Federal Law.";
2) point 3 article 2 after "legal person", the words ", other than a credit institution";
3) article 4:
a) Part 3 read as follows:
"3. Supplier shall provide upon request information on the payer's payment agent, receives payments in its favor, the places of payment, and shall provide the tax authorities at their request, a list of paying agents, receives payment in his favor, and information about where receiving payments. ";
b) part 7 Add a new second sentence to read: "In this engaging the respective powers of the payment subagent not require notarization.";
c) in part 14 word "individual" with "special";
g) in part 15 word "individual" with "special";
e) by adding part 16 follows:
"16. On special bank account of the paying agent can perform the following operations:
1) enrollment accepted from individuals of cash;
2) crediting funds debited from another special bank account of the paying agent;
3) withdraw funds to a special bank account of the paying agent or supplier;
4) debit to bank accounts. ";
e) by adding part 17 follows:
"17. Perform other operations on the special account of the paying agent is not permitted.";
g) adding part 18 follows:
"18. Supplier in settlements with the paying agent in receiving payments must use a special bank account. Supplier shall not be entitled to receive funds taken as a paying agent fees, bank accounts, not special bank accounts.";
h) by adding part 19 follows:
"19. On special bank account provider operations can be undertaken:
1) placement of funds debited from the special bank account of the paying agent;
2) debit to bank accounts. ";
i) adding part 20 follows:
"20. Perform other operations on a special bank account provider is not permitted.";
k) by adding part 21 follows:
"21. Credit institutions may not act as operators to receive payments or payment subagents and to conclude agreements on the implementation of the activities of individuals receiving payments to suppliers or operators to receive payments.";
4) article 7:
a) by adding part 4 follows:
"4. Enforcement agents payment obligations to file a credit institution received from the payer when receiving cash payments to be credited in full to your special bank account (s), as well as on the use of payment agents and suppliers of special bank accounts for calculations for receiving payments is provided by tax authorities of the Russian Federation. ";
b) adding part 5 follows:
"5: Banks are obliged to issue to the tax authorities certificates on the availability of special bank accounts in the bank and (or) on the balance of funds in special bank accounts, statements on transactions in special bank accounts of organizations (individual entrepreneurs) within three days from the day of receipt of a reasoned request A tax body, a statement on the existence of special bank accounts and (or) on cash balances on special bank accounts, as well as statements on transactions in special bank accounts of the organization (Individual entrepreneurs) in the bank may be requested by the tax authorities in cases of monitoring provided for in part 4 of this article, in respect of these organizations (individual entrepreneurs). ";
c) adding part 6 follows:
"6.The form (format) and the procedure for sending requests to the bank by the tax authorities are established by the federal executive body authorized to control and supervise taxes and fees.The form and procedure for providing banks with information on requests of tax authorities are established by the federal executive body authorized by Control and supervision in the field of taxes and fees, in consultation with the Central Bank of the Russian Federation .The formats of providing banks in electronic form with information on requests Tax bodies are approved by the Central Bank of the Russian Federation in agreement with the federal executive body authorized to control and supervise in the field of taxes and fees. ";
d) by adding part 7 follows:
"7. Operators to accept payments to tax authorities are bound to give information about the settlement of accounts within three days of receipt of a reasoned request of the tax authority. Information on settlement of accounts may be requested by the tax authorities in cases of control provided 4 part of this Article.";
e) by adding part 8 follows:
"8 The form (formats) and the procedure for sending a request to the operator for receiving payments by the tax authority shall be established by the federal executive body authorized to control and supervise taxes and levies.The form and procedure for providing the operator with information on the requests of tax authorities are established by the federal body Executive authority, the Commissioner for Supervision and Supervision in the field of taxes and levies.The formats for the operators to provide payments in electronic form for Requests of tax authorities are approved by the federal executive body authorized to control and supervise in the field of taxes and fees. ";
5) article 8 4 adding part as follows:
"4. Payments without enrolling accepted from individuals of cash to a special bank account specified in the parts and 14 15 article 4 this Federal law, as well as obtaining a supplier of funds received as payment agent for payment to the bank account is not which are special bank account specified in the articles of 18 4 this Federal Law, shall be permitted. ".
Article 20
The Federal Law of July 27 2010 year № 210-FZ "On the organization of state and municipal services" (Collected Legislation of the Russian Federation, 2010, № 31, Art. 4179; 2011, № 15, Art. 2038) as follows:
1) point 2 article 7 after "provision of documents and information," the words "including the payment of state fees charged for the provision of state and local government services";
2) chapter 5 add Article 21.3 follows:
"Article 21.3. State Information System on state and municipal payments
1. State Information System on state and municipal payments is an information system designed to organize and retrieve information on payment of legal entities and individuals for the provision of payment of state and municipal services, the services specified in the articles of 3 1 and parts 1 article 9 present Federal law, payments as sources of revenue generation budgets of the budget system of the Russian Federation, as well as other charges, in the cases stipulated by federal law.
2. Creation, maintenance, development and maintenance of the State Information System on state and municipal payments by the Federal Treasury.
3. The order of the State Information System on state and municipal payments set by the Federal Treasury in consultation with the Central Bank of the Russian Federation. That procedure is determined by:
1) list of information required for payment, including the amount to be paid for state and local government services, specified in part 3 1 articles and parts of articles 1 9 present Federal law, as well as other charges, in the cases stipulated by federal law, order its production and delivery;
2) list of information on payment of state and local government services, the services specified in the articles of 3 1 and parts 1 article 9 present Federal law, as well as other charges, in the cases stipulated by federal law, the order of receipt and delivery;
3) governing access to state information system on the state and municipal payments.
4. The bank, another credit organization, the organization of the federal postal service, the territorial body of the Federal Treasury (another body that opens and maintains personal accounts in accordance with the budget legislation of the Russian Federation), including those who make payments electronically, as well as other bodies or organizations, Through which the applicant makes payments for state and municipal services, services specified in part 3 of Article 1 and part 1 of Article 9 of this Federal Law As well as other payments that are sources of revenue generation for the budgets of the budgetary system of the Russian Federation, are obliged to immediately send information on their payment to the State Information System on state and municipal payments.
5. State and municipal agencies after the accrual of the amount payable by the applicant for the services specified in subsection 3 1 articles and parts of articles 1 9 present Federal law, as well as other charges, in the cases stipulated by federal law, shall immediately send the information necessary to payment thereof, the State information system of state and local government payments. ".
Article 21
The Federal Law of November 27 2010 year № 311-FZ "On Customs Regulation in the Russian Federation" (Collected Legislation of the Russian Federation, 2010, № 48, Art. 6252) as follows:
1) article 116:
a) Part 14 read as follows:
"14. Customs payments, advance payments, fines, interest, penalties, in accordance with this Federal Law may be carried out with the use of devices designed to make transactions using electronic means of payment, without the possibility of receiving (issue) of cash (hereinafter - the electronic terminals), as well as payment terminals or ATMs. ";
b) part 15 read as follows:
"15." When paying customs fees, advance payments, penalties, interest, fines using electronic terminals, payment terminals and ATMs, information exchange between billing participants is carried out by legal entities responsible for entering the account of the Federal Treasury and (or) to an account determined by the international The agreement of the Member States of the Customs Union, money paid using electronic terminals, payment terminals and ATMs, as well as ensuring proper execution The requirements for these legal entities, the procedure for the organization of interaction between them, the payers of customs duties and taxes, and the federal authority, in accordance with the legislation of the Russian Federation, by providing bank guarantees and (or) depositing money (money) to the account of the Federal Treasury. Executive power authorized in the field of customs affairs shall be determined by the Government of the Russian Federation. ";
c) the portion 16 read as follows:
"16. Procedure and technology transactions on customs payments, advance payments, fines, interest, penalties, using electronic terminals, payment terminals and ATMs are determined by the federal executive body authorized in the field of customs.";
2) part 2 117 article read as follows:
"2." For the purposes of the release of goods in the payment of customs duties and taxes in non-cash procedure, confirmation of the fulfillment of the duty of the payer to pay customs duties and taxes is the receipt of amounts of customs duties and taxes to the accounts specified in Article 116 of this Federal Law, and when paying customs duties, Taxes using electronic terminals, payment terminals or ATMs in accordance with part 15 of Article 116 of this Federal Law such a confirmation is a document formed by the e Electronic terminal confirming the transfer of funds to the accounts specified in Article 116 of this Federal Law From the moment of the formation of this document, the transfer of funds for the payment of customs duties and taxes becomes Irrevocable. ".
Article 22
Abrogated:
1) point 2 article 1 Federal Law of July 27 2006 year № 140-FZ "On Amending the Federal Law" On Banks and Banking Activity "and an article 37 Russian Federation Law" On Protection of Consumer Rights "(Collected Legislation of the Russian Federation, 2006 , № 31, Art. 3439);
2) point 1 article 1 Federal Law of June 3 2009 year № 121-FZ "On Amendments to Certain Legislative Acts of the Russian Federation in connection with the adoption of the Federal Law" On the activity to receive payments of individuals, carried out by payment agents "(Collection of Laws Federation, 2009, № 23, Art. 2776);
3) point 1 article 1 Federal Law of July 1 2010 year № 148-FZ "On Amendments to Article 13.1 29 and the Federal Law" On Banks and Banking Activity "(Collected Legislation of the Russian Federation, 2010, № 27, Art. 3432) .
Article 23
1. This Federal Law shall enter into force ninety days after the date of its official publication, except those for which this Article other terms of their entry into force.
2. Third and fourth paragraphs of subparagraph "a" of paragraph 2 1 articles of this Federal Law shall enter into force one hundred and eighty days after the date of publication hereof.
3. Items 1 - 7, 9 and 10 5 articles of this Federal Law shall enter into force no earlier than three months from the date of its official publication.
4. Points "a" and "b" of point and click 9 11 article 1, articles and 4 7, items 2, 3 and subparagraph "a" of paragraph 4 article 10, items 1 - 3, 7 and 8 article 11, article 16, subparagraph "b" of item 1 article 17, 18 article of this Federal Law shall enter into force one year after the date of publication hereof.
5. Item 8 article 5, article 8, clause "b" and "c" of paragraph 5 article 10, 20 article of this Federal Law shall enter into force on January 1 2013 year.
6. The provisions of Article 1 166.1 Budget Code of the Russian Federation (as amended by this Federal Law) shall apply 1 January 2013 year.
7. Credit institutions have on the coming into force of this Federal Law the right to transfer funds on behalf of individuals without bank accounts, the right to make money transfers without opening bank accounts, including electronic transfers of funds.
8. From the date of entry into force of this Federal Law, acceptance of payments without crediting the cash funds received from individuals to the special bank account specified in parts 14 and 15 of Article 4 of the Federal Law from 3 June 2009 No 103-FZ "On the activity for receiving payments of physical Persons carried out by payment agents "(as amended by this Federal Law), as well as receipt by the supplier of funds received by the payment agent as payments to bank accounts that are not special banks their accounts referred to in Article 18 4 of the Federal Law of June 3 2009, the number 103-FZ "On the activity of accepting payments from individuals, carried out by payment agents" (as amended by this Federal Law) shall not be permitted.
9. The provisions of parts and 14 15 article 4 Federal Law of June 3 2009 year № 103-FZ "On the activity to receive payments of individuals, carried out by payment agents" (as amended by this Federal Law) applies to the relations arising from the earlier agreements on the implementation of activities to receive payments from individuals.
10. The provisions of Article 21 4 Federal Law of June 3 2009 year № 103-FZ "On the activity to receive payments of individuals, carried out by payment agents" (as amended by this Federal Law) applies to the relations arising from contracts concluded earlier with credit institutions suppliers and operators to receive payments and avoidable after the entry into force of this Federal Law.

Russian President Dmitry Medvedev