A check on the lessee and the people behind it before the deal is approved: the company by tax number, a nominee director and the founders' links, bankruptcy, commercial court cases, bailiff debts, pledges over movable property, watchlists and sanctions. For car leasing and car loans — the passport and the driving licence.
Data stored in Russia · Russian software registry no. 19972 · 115‑FZ and 152‑FZ
Leasing companies and factors are subject to 115‑FZ, so KYC and AML are mandatory for them. They have no sector regulator: they are registered with Rosfinmonitoring and check their customers themselves. From 31 May 2026 mandatory control of sale-and-leaseback deals with individuals was added to that.
NeuroVision supplies the data for checking the customer, the guarantor and the other parties to the deal. The identification procedure, the decision on the deal, freezing and reporting to Rosfinmonitoring are set and carried out by the leasing or factoring company itself.
115‑FZ, art. 5 and 7 — registration, identification, updating customer details.
115‑FZ, art. 7 — screening customers against the watchlists and freezing.
164‑FZ and Rosfinmonitoring Order no. 16.
A leasing or factoring decision is never about one company — it is about every party to the deal. Here is what leasing and factoring companies check with us most often.
The company is checked by tax number: its status in the register, its director and founders, signs of a shell company, court cases and debts. A sole trader is checked by their personal tax number: bankruptcy, court cases, account freezes, tax arrears.
Most often enabled:
The passport against the police database, bailiff debts, bankruptcy, criminal and civil cases, wanted lists. Everything that can be seen before the person signs the guarantee.
Most often enabled:
Signs of a nominee or serial director and a list of the companies where the person is a founder or a director. By tax number, with no namesakes.
Most often enabled:
It is the debtor who will pay the assigned claim, so they are checked just as closely as the customer: the company by tax number, its director, bankruptcy and court cases.
Most often enabled:
Whether the property of the seller or of a lessee who is an individual or a sole trader is already pledged — a check against the pledge register of the Federal Notary Chamber. It matters most in sale-and-leaseback.
Most often enabled:
An individual or a sole trader: the passport, the driving licence, traffic fines, bailiff debts and a creditworthiness score with the customer's consent.
Most often enabled:
A leasing deal rests on several people and companies at once. Every item can be checked by hand on the register websites, or in a single API request.
By hand: The state registers — egrul.nalog.ru; The commercial court case file — kad.arbitr.ru
NeuroVision API: a check by tax number; by tax number
By hand: Federal bankruptcy register — fedresurs.ru
NeuroVision API: 5 ₽
By hand: The bailiffs' database — the bailiff service website
NeuroVision API: 5 ₽
By hand: The notary pledge register — reestr‑zalogov.ru
NeuroVision API: 5 ₽, per person
By hand: Fedresurs — fedresurs.ru
NeuroVision API: no — by hand only
By hand: Rosfinmonitoring — the personal account at fedsfm.ru
NeuroVision API: 5 ₽
For one deal a month, the free register websites are enough. When there are dozens of applications and the result has to go into the client's file, it is easier to get everything in one API response.
Company status, the director and the founders — from the register by tax number, in detail on the counterparty check page. A sole trader is checked by their personal tax number: bankruptcy, court cases, account freezes.
A nominee or serial director, bankruptcy, commercial court cases, bailiff debts and tax arrears. If the director signs the guarantee, a package of 16 checks by passport is available for 50 ₽.
Where else the person is a founder or a director, whether they are a sole trader, and whether they appear on the Rosfinmonitoring list or sanctions lists. By tax number, with no namesakes.
A company can be clean on paper,
while its director is a bankrupt with a dozen closed firms behind them.
The checks are built into your application form or CRM and return an answer before the deal goes to the credit committee.
The company's tax number and those of the director and the founders are taken from the application. The passport of the director acting as guarantor is read from a photo, with no manual entry.
The company by tax number, nominee status and links, bankruptcy, court cases, bailiff debts, pledges, watchlists and sanctions — for the company, the director, the founders, the debtor and the seller. Only what your risk policy requires.
For every check — the result, the source and the date, in JSON. Doubtful applications go to an underwriter, and the report is kept in the customer file for audit and for Rosfinmonitoring.
Under Rosfinmonitoring control since 31.05.2026
A person sells their car to a leasing company and takes the same car on lease. If the seller is a debtor or a bankrupt, or the car is already pledged, the deal becomes a hidden loan with problem collateral. Check the seller: the bailiffs, bankruptcy, the Notary Chamber pledge register.
A signature from someone who answers for nothing
A shell company applies through a nominee: there are dozens of firms behind them, and the guarantee is worth nothing. Signs of a nominee or serial director and links to other companies — by tax number.
One asset — two creditors
The seller or the lessee brings into the deal property that is already pledged for a loan. A check of the person against the Notary Chamber pledge register — before the seller is paid.
A claim assigned against a shell company
The factor's customer assigns a claim against a linked or empty company. A check of the debtor by tax number, of its director and founders, of their links to the customer, of bankruptcy and court cases.
Account freezes and bankruptcy
The tax service freezes the accounts, bailiffs recover debts, the court opens bankruptcy — and the scheduled payments stop. Tax freezes, tax arrears, the bailiffs, the federal bankruptcy register and court cases — before signing.
115‑FZ
The risks of the deal — before the contract is signed
Rosfinmonitoring order No. 16 of 28.01.2026
The seller of the asset becomes the lessee — the law allows this (art. 4 of 164‑FZ). Companies use it to free up money tied in equipment, while for individuals the same structure can work as a loan secured on a car.
An asset is leased to an individual who sold it themselves or represents the seller, for an amount from 100,000 ₽ inclusive up to 1,000,000 ₽.
The leasing company files a 1‑FM report within 3 working days: code 6201 — the seller, 6202 — their representative. Similar control was already introduced by order No. 94 of 26.04.2023.
The passport against police data, bankruptcy, bailiff debts, pledges in the notary register, wanted lists and the Rosfinmonitoring watchlist — before payment. Flagging the transaction and filing the report is the company's own job.
Banks and microfinance companies are supervised by the Bank of Russia. Leasing and factoring companies have no sector regulator, so Rosfinmonitoring supervises them directly.
Leasing and factoring companies register under Government Decree No. 58 of 27.01.2014. The card is filed within 30 calendar days of registration or of a change, and no later than the working day before the first contract with a client. The decision takes up to 8 working days.
The company approves internal control rules and appoints the officer responsible (art. 7, cl. 2 of 115‑FZ). Since 10.08.2025 the requirements for those rules come from Government Decree No. 1157, and No. 667 has lapsed: if references to it remain, the rules need updating.
Every client, representative and beneficial owner is identified before they are taken on. The base is matched against the Rosfinmonitoring watchlist and the Commission's decisions at least once every 3 months.
Transactions subject to mandatory control — now including sale and leaseback with individuals — are reported within 3 working days. Identification details are kept for at least 5 years after the relationship ends (art. 7, cl. 4 of 115‑FZ).
Every register on this page is open, and for a one-off deal their websites are enough. The difference shows up when there are many applications and the result has to be shown to an auditor.
| Criterion | By hand on the register websites | NeuroVision API |
|---|---|---|
| How many services | the state register, the court file, the bankruptcy register, the bailiffs, the pledge register, the watchlist — each one separately | one request, with the checks you need |
| Namesakes | a search by name turns up namesakes | from a passport the system retrieves the tax number and finds the person unambiguously; where a register searches by name only, the output is split into exact matches and likely namesakes |
| The register is down | repeat it by hand | the system repeats the request; a check that was missed is not charged |
| A record for the audit | screenshots and extracts in a folder | JSON: the result, the source register, the case number, the date and time of the response |
| Flow of applications | one-off deals | dozens and hundreds of applications a day |
| Cost | free, but it costs staff time | from 5 ₽ per check, with no subscription fee |
| Data | — | a cloud in Russia or an installation inside your perimeter; 152‑FZ and 242‑FZ; Russian software registry no. 19972 |
Every check is switched on separately, and you pay for the requests that run. Descriptions, input data and sources are in the API check catalogue.
The company, the director and the founders
Signs of a shell company and the debts of the people running it.
Status in the state register of legal entities or sole traders, the director and the founders, signs of a shell company, court cases and debts — in a single request by tax number.
on request
Learn moreA person's links to legal entities: where they are a shareholder or a director, and whether they hold sole trader status.
5 ₽ / check
Learn moreA flag that the person is listed as a nominee or serial company director.
5 ₽ / check
Learn moreA history of disputes from the commercial court case file, bankruptcy cases included. Matching is done by tax number, so namesakes never reach the results.
5 ₽ / check
Learn moreA search of the federal bankruptcy register: personal bankruptcy cases filed and completed. By tax number the result is unambiguous.
5 ₽ / check
Learn moreTax authority decisions suspending account operations: the date, the decision number and the reason for the freeze.
5 ₽ / check
Learn moreAn individual's outstanding debt on taxes and payments administered by the tax service.
5 ₽ / check
Learn moreAML/CFT and sanctions risk
The watchlist required by 115‑FZ, plus screening against foreign lists.
Screening against the list of people involved in extremist activity or terrorism. A mandatory check under 115-FZ.
5 ₽ / check
Learn moreScreening against the consolidated lists of OFAC (USA), the European Union, the United Kingdom and the UN. Every match carries a similarity score and a flag if it was triggered by an alias.
5 ₽ / check
Learn moreInternational screening against politically exposed persons and their associates, sanctions lists from more than 50 countries, regulatory actions and adverse media coverage. For Russian citizens it runs from the international passport or from the full name and date of birth.
36 ₽ / check
Learn moreA check against the Russian Ministry of Justice's foreign agents register. Its entries carry a date of birth and a tax number, so a match can be verified.
5 ₽ / check
Learn moreThe guarantor, the seller and an individual customer
The passport, debts, pledges and the driving licence.
The authenticity and validity of a Russian passport through the interagency interaction system. It catches expired, replaced, lost and invalid documents and verifies that the passport was issued to this particular person.
5 ₽ / check
Learn moreActive enforcement proceedings from the bailiffs' database: the amounts owed, the claimants, the type of recovery and an estimate of how close the person is to bankruptcy given their total debts.
5 ₽ / check
Learn moreA check against the Federal Notary Chamber's register of pledges: whether the person's property (cars, equipment) is pledged against any outstanding loans.
5 ₽ / check
Learn moreA check of the driving licence against the traffic police database: validity, expiry date, disqualification from driving, whether the document is on a wanted list.
5 ₽ / check
Learn moreUnpaid fines for traffic offences, by driving licence number, through the state payments system.
5 ₽ / check
Learn moreA reliability score from the credit bureau's data, on a scale from 0 to 9. The score is informational — you set the threshold. It works from the passport, the tax number, the phone number or the full name with date of birth, and requires the customer's consent.
5 ₽ / check
Learn moreThe passport and the driving licence are read from a photo, and the data goes straight into the checks.
Checks against registers and lists have a fixed price per request, with no subscription fee. You choose the set for each party: the company, the guarantor, the debtor, the seller.
5 ₽ per check
Nominee status, affiliations, bankruptcy, court cases, account freezes, pledges, the Rosfinmonitoring list — individually, by tax number or by passport.
50 ₽ per package (3.125 ₽ per check)
16 checks by the passport of the director acting as guarantor: passport validity, bailiff debts, bankruptcy, pledges, commercial court cases, court cases, wanted lists, the watchlist and sanctions. Separately — 80 ₽.
36 ₽ per check
PEP screening, sanctions lists from more than 50 countries, regulatory actions and adverse media — for foreign founders and deals involving imported equipment.
A company check by tax number comes as part of the KYB scenario, priced on request. Document recognition and scoring checks are priced separately — we will quote for your flow of applications.
The checks are built into the application form, the scoring engine or the CRM through the API. Customer documents are read from photos, and large companies install the platform inside their own perimeter.
You pay for the checks that run, support is 24/7, and we are a Skolkovo resident.
Company and beneficial owner checks and the requirements of 115‑FZ — on our blog.
Yes. Article 5 of the law names leasing companies outright, along with commercial organisations that enter into contracts of financing against the assignment of a monetary claim as factors. They identify their customers and those customers' beneficial owners, screen them against the Rosfinmonitoring list and report transactions subject to mandatory control.
Yes. Leasing and factoring companies are among the categories that register under Government Decree no. 58. The card is filed within 30 calendar days of registration or of changes to the founding documents, but no later than the working day before the first contract with a customer.
The company itself — by tax number: status, the director and the founders, signs of a shell company, court cases and debts. And the people behind it: signs of a nominee director, links to other companies, bankruptcy, commercial court cases, account freezes and tax debts, watchlists and sanctions.
By tax number — nominee status, links to companies, bankruptcy, court cases, tax debts. By passport — a package of 16 checks for 50 ₽: passport validity, bailiff debts, bankruptcy, pledges, commercial court cases, court cases, wanted lists, the Rosfinmonitoring list and sanctions.
The assigned claim is paid by the debtor, not by the factor's customer. If the debtor is a shell company, a bankrupt or linked to the customer, the claim is worth nothing. The debtor is checked by tax number exactly as the customer is: the company, its director, its founders, bankruptcy and court cases.
Yes, against the register of pledges over movable property kept by the Federal Notary Chamber. The check is run on the person — the seller, an individual lessee or a sole trader: by full name and passport, or by full name and date of birth. It costs 5 ₽.
Since 31 May 2026 Rosfinmonitoring Order no. 16 of 28.01.2026 has been in force. If the seller of the property that becomes the leased asset is an individual or their representative, and the amount of the transaction is from 100,000 to 1,000,000 ₽, the leasing company reports it to Rosfinmonitoring on the 1‑FM form. The regime runs for 730 days.
The passport against the police database, the driving licence against the traffic police database, traffic fines, bailiff debts, bankruptcy, pledges and a creditworthiness score from credit bureau data. The score needs the customer's consent. The passport and the licence are read from a photo.
Details of leasing contracts are published on Fedresurs, and the asset can be checked at fedresurs.ru by hand. There is no such check in the NeuroVision API yet: we check the seller and the lessee against the pledge register, bankruptcy and debts.
Yes. The customer base is matched against the Rosfinmonitoring list at least once every 3 months, and customer details are updated once a year, or once every 3 years at low risk. A repeat check can be run through the same API.
In the NeuroVision cloud in Russia, or in your own infrastructure with an on-premises installation. 152‑FZ and 242‑FZ.
Checks against registers and lists cost from 5 ₽, compliance screening costs 36 ₽, and a package of 16 checks by passport costs 50 ₽. A company check by tax number and recognition are priced on request. The trial period is 1 month.
Tell us how many applications you review a month and who you check — the company, the guarantor, the debtor or an individual customer — and we will put together the right set of checks and give you test access.
Can't put your request into words? Book a call and our team will contact you at a convenient time
Book a callThe company is included in the register of IT companies and the register of personal data operators of the Russian Ministry of Digital Development.
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