MOSCOW, June 19 The State Duma Committee on the Financial Market has prepared for the second reading a bill on increasing the maximum amount of payments by individuals for housing and communal services (HCS) without identification , supplementing it with other norms. It is planned to be submitted to the Duma on June 25.
Currently, the maximum payment amount that does not require identification of an individual client is 15 thousand rubles. The bill increases this threshold to 60 thousand rubles when accepting payment from individuals for residential premises and utilities, including penalties for late and (or) incomplete payment of such payment. 
In preparation for the second reading, the Financial Market Committee supported a comprehensive amendment that complements the bill with other provisions. In particular, operators of information systems in which digital financial assets (DFAs) are issued and DFA exchange operators will be able to transfer client identification not only to such operators, but also to investment platform operators, as well as professional participants in the securities market (with the exception of those providing only investment consulting) .
“This will expand the range of services that these organizations provide, increase their importance in the financial market and generally intensify this area,” Deputy Chairman of the Bank of Russia Alexey Guznov said at the committee meeting. He recalled that a law had recently been adopted that makes it possible to use DFA as a means of payment in foreign trade transactions. This bill, he said, “makes it possible to increase the provision of this type of service.”
The bill has also been supplemented with provisions regarding the mechanism for appealing decisions of the Central Bank regarding classification of suspicious transactions as a high-risk group. First, a legal entity or individual entrepreneur will be able to apply for a review of the risk level to the Bank of Russia. The regulator must review it and make a decision within 15 working days. If the applicant does not agree with the decision of the Central Bank, he will be able to appeal to the interdepartmental commission at the Bank of Russia or to court.
«The wording has been worked out, we support it. The wording of the bill is optimal for the financial market,» said Vladimir Grachev, deputy head of the legal department of Rosfinmonitoring. In particular, according to him, the bill reduces the burden on credit institutions to identify clients when paying for housing and communal services.
“Probably in the future we can think about a similar rule for Russian Post, when postal transfers are made to pay for housing and communal services,” Grachev noted.