Credit Self-Exclusions Surge 7.3% in a Month

12:15; 09 November 2026 year

### Russians Set 788,300 Credit Bans in October 2026 In October 2026, Russian citizens established 788,300 self-imposed bans on taking out new loans and credits, an increase of 7.3% compared to the previous month when 735,000 such restrictions were registered, according to the National Credit Bureau (NCBI). The majority of citizens set the bans through the "Gosuslugi" portal (a government online service platform), accounting for 707,900 applications, up 5.5% from September. Another 80,400 bans were set through multi-functional centers (MFCs), showing a more significant monthly increase of 25.4%. At the same time, in October, citizens lifted 265,400 previously established bans, which is 5.9% higher than the September figure of 250,600. Through MFCs, restrictions were lifted 149,800 times, a 9% increase from the previous month. On "Gosuslugi," there were 115,500 such operations, up 2.1% from September. According to NCBI data, as of November 1, 2026, 22.7 million Russians had active self-imposed credit bans. Since the mechanism was introduced in March 2025, 2.19 million people have lifted their bans. The largest number of new restrictions in October was recorded in Moscow (68,100). The Moscow region followed with 47,500 bans, and St. Pyotrsburg came third with 36,200. The Krasnodar Territory (30,900) and Rostov region (30,700) rounded out the top five regions. If only MFC applications are considered, the Krasnodar Territory led with 7,300 restrictions. St. Pyotrsburg and Tatarstan each registered 4,300 applications, followed by the Rostov region (4,000) and the Perm Territory (2,700). In Moscow, 1,400 bans were set through MFCs. Among the top 20 regions, the Krasnodar Territory saw the highest monthly increase in new restrictions at 18.5%. This was followed by the Altai Territory (+15.9%), Tatarstan (+12.7%), Kemerovo region (+12.2%), and Krasnoyarsk Territory (+11.4%). The only region in this group to see a decrease was the Rostov region, where the number of new bans fell by 5.3%. The law allowing citizens to self-impose restrictions on consumer credit agreements came into effect on March 1, 2025. Initially, bans could only be set or lifted through "Gosuslugi," but since September 2025, this option has also been available through MFCs. NCBI notes that demand for the service has remained relatively stable in recent months. The bureau estimates that a significant portion of citizens interested in such restrictions have already utilized them. Another factor contributing to stability is the success in combating fraud.

Investment

Events

Niches and markets

Technologies and trends

Development infrastructure