Client checks at an estate agency: 115‑FZ and protecting the deal

Yes. Companies and sole traders providing intermediary services in property sales are named in article 5 of 115‑FZ. They register with Rosfinmonitoring, approve internal control rules, identify their clients and screen them against the watchlist. This duty does not extend to letting.

In the manner set by the Government (Decree No. 58). Once registered, the agency receives a registration number and access to a personal account on the Rosfinmonitoring website — watchlists arrive through it, and reports go out through it.

Its own client — whoever the contract is with — together with their representative, the beneficiary and the beneficial owner of a corporate client. If the agency works with both sides, there are two clients. The other party is checked for the safety of the deal — under the agency's own rules.

For intermediaries — transactions in a property deal above 5,000,000 ₽, where the transaction goes through the agency (Rosfinmonitoring order No. 13, from 10.03.2026), and any transaction with a person on the watchlist. The report is filed no later than three working days after the transaction.

Before they are taken on, and at least once every three months — across the whole client base. On a match, freezing measures are applied within 24 hours of the watchlist being published.

Against the federal bankruptcy register and the commercial court case file — bearing the time limits in mind: an unequal deal can be challenged if it was made within a year before the bankruptcy petition, and a deal harming creditors — within three years. NeuroVision checks both sources by the seller's tax number and shows debts with the bailiffs.

No. Owners, mortgages and attachments are shown by a property register extract, and a power of attorney — by the Notary Chamber register. NeuroVision checks the people in the deal: passport, bankruptcy, debts, wanted lists, watchlists and sanctions, and a company by tax number.

Whether the seller's cars and equipment are pledged against loans — from the register of notices of pledges over movable property. A mortgage over a flat is not there: it shows in the property register.

No. Identification is carried out by the agency under its own internal control rules. NeuroVision reads the passport and checks the data against databases and lists — the agency uses the results in its own procedure and attaches them to the client's file.

Under article 15.27 of the Administrative Offences Code: for breaches of internal control — from 50,000 to 100,000 ₽ for a company; where they mean a report never reaches Rosfinmonitoring — from 200,000 to 400,000 ₽, or suspension of activity for up to 60 days; for failing to apply freezing measures — from 300,000 to 500,000 ₽, or suspension for up to 60 days. Sole traders are liable as companies.

By tax number: status in the state register, signs of a shell company, a nominee director, court cases, debts and account freezes — 20+ checks. The director and the founders — against the watchlist and sanctions lists.

Checks against databases and lists cost from 5 ₽, a package of 16 checks from a passport — 50 ₽, and PEP and sanctions compliance screening — 36 ₽. Passport recognition is priced on request. Test access — 1 month.