On Aug. 4, 2026, RUS GVT published law 317-FZ which is in force on Nov. 12, 2026 (100 days after official publication).
On Feb. 27, RUS PRL proposed customer electronic wallet insurance.
RUS PRL proposed billamendments to law on insurance of deposits in banks of the Russian Federation and law on insolvency.
Proposals
Bank depositors receive insurance up to 1.4min RUB if a bank’s license is revoked, but e-wallets are not covered under existing laws, prompting calls for equal protection.
If the bill is passed, electronic wallet funds would be insured up to 1.4mn RUB for identified users, with claims prioritized in bank bankruptcy like regular deposits.
The initiative ensures equal safeguards amid growing digital finance; as of early 2024, electronic money totaled 20bn RUB, minimizing strain on the fund.
Jul. 2026 Update
On Jul. 21, 2026, RUS PRL State Duma adopted the proposed bill in the third reading.
Jul. 24, 2026 Update
On Jul. 24, 2026, RUS PRL announced that the Federation Council approved the bill.
Aug. 4, 2026 Law Issued
On Aug. 4, 2026, RUS GVT published law 317-FZ which is in force on Nov. 12, 2026 (100 days after official publication).
Regulators
RUS PRL
Entity Types
B/D; Bank; CNSM; Depo; Ins
Reference
PR, OG Law 317-FZ, 8/4/2026; Bill 1162697-8; PR 7/24/2026; PR 7/21/2026; PR, 2/27/2026; Bill 1162697-8
