“Paid installments are essentially a consumer loan, and the regulation here should not differ from the regulation in consumer lending, otherwise arbitrage will arise. Professional lenders should provide such installment plans,” a Central Bank representative told RBC. We are talking about situations where the client is charged a fee for connecting the installment service. Thus, if the requirements for paid installments are the same as for consumer loans, then when applying for it, the services will be required to transfer data to the credit history bureau (BKI). The idea that an individual’s payments on existing installment plans should be reflected in his credit history has already been discussed. The market opposed this approach.