Next year, Russians who will apply for new mortgages or large consumer loans may face the** requirement to provide a certificate of vaccination against the coronavirus**.

According to Izvestia newspaper, the banking community is considering an option in which the cost of a loan will be much more expensive for unvaccinated citizens. Such a scenario is possible due to special artificial increase in the insurance rate, warned the vice-president of the Association of Banks of Russia Alexei Voylukov.

And it is only humble beginning.

The cost of lithium compounds used in the production of batteries increased fivefold over the year, and in November alone it increased by 24.3%. Lithium reserves are concentrated in South America and Australia, but Chinese companies buy local raw materials for further processing and supply to foreign markets, so they have the opportunity to determine the pricing policy almost on a global scale. Directly, the reserves of lithium in China do not exceed 5–6% of the world, but in the supply chain of related raw materials, the country controls at least 60% of the market.

In the case of South Korea, Chinese companies are also supplying other minerals required for the production of lithium batteries. Cobalt prices have tripled over the year, and the cost of a ton of nickel for the first time since May 2014 in November exceeded $ 20,000.

Korean battery manufacturers, which are gaining more and more influence in the global market, are forced to rely on Chinese raw materials. Samsung SDI already had to raise the price of its cylindrical lithium batteries by 8% in November. LG Energy Solution will increase the cost of 21700 units by 10% from January in an attempt to offset the recent surge in commodity prices.

It is expected that we can see 50-70% inflation YoY in 2022 alone.

The North Atlantic Alliance is preparing for a large-scale armed conflict with Russia, said Deputy Defense Minister Alexander Fomin at a briefing for military attachés and representatives of foreign embassies accredited in Moscow.

According to the deputy head of the department, Alexander Fomin, the North Atlantic Alliance used the events in Ukraine as an excuse to end interaction with Moscow.

"The military construction of the bloc has been completely re-aimed at preparing for a large-scale, high-intensity armed conflict with Russia," Fomin said.

And the living will envy the dead.

The Bank of Russia has sent out to credit institutions a new form for reporting on money transfers between individuals. It follows from it that the Central Bank will request information about all p2p transactions (from an individual to an individual), including the personal data of senders and recipients of funds.

This follows multiple laws passed this year to bypass any legal limits for total tracking, a sit required court orders before.

According to Oleg Mashtalyar, Deputy Chairman of the Board of Sovcombank, the Bank of Russia will begin risk-oriented monitoring of p2p transfers from January 2022. "The Central Bank has notified that it plans to periodically request information on p2p transfers using this form from 2022," added a QIWI representative.

What data are of interest to the Central Bank:

As follows from the document, the report should include all incoming and outgoing money transfers between individuals, which are carried out according to the following scenarios:

• from card to card;
• from account to account;
• from an electronic wallet to an electronic wallet, from a card to a wallet and vice versa;
• from the subscriber's account of the telecom operator to the wallet or card and vice versa;
• payments through the Fast Payment System;
• cross-border transfers of funds by individuals;
• money transfers without opening an account, including through payment terminals of paying agents;
• transfers of an individual between their own accounts within the same credit institution;
• transfers through money transfer systems, for example, Western Union, CONTACT, etc.

The p2p operations do not include the transfer of funds to deposit accounts, accounts for repayment of loans, brokerage / investment accounts, commissions of credit institutions for servicing, as well as transfers in favor of legal entities and individual entrepreneurs, the Central Bank explained.

Information on each transaction must contain the card numbers of the sender and recipient of funds, bank data, a unique client ID (issued by a credit institution), the purpose of payment, the amount of funds transferred, the date and time of the transfer, the country code of the sender and recipient, etc. Issuing banks, acquiring banks, banks providing Internet services for p2p transfers, as well as shops and legal entities, if they provide online services for transfers, etc. will have to report.

Requests will be generated for all money transfers for a certain period. In some cases, the Central Bank may request information on individual transactions. For example, data on specific cards or specific individuals (ID, passport, TIN, telephone).

The new reporting form was developed after the publication of methodological recommendations (16-МР), which the Central Bank issued in early September. In them, the regulator identified the signs of cards and electronic wallets for accepting payments to illegal online casinos, organizers of financial pyramids, forex dealers and cryptocurrency exchangers (cards are issued to individuals, and payments to illegal businesses are made as p2p transfers) ... Banks are advised to track such cards and wallets and block transactions on them. The Central Bank attributed several "anomalies" to the signs by which it is possible to identify suspicious payment instruments, among them the following:

• An unusually large number of counterparties - individuals as both payers and recipients of funds. For example, more than ten per day and more than 50 per month.
• An unusually large number of operations for crediting and debiting funds, carried out with individuals. For example, more than 30 operations per day.
• Significant volumes of transactions for writing off and crediting funds between individuals. For example, more than 100 thousand rubles. per day, more than 1 million rubles. per month.
• To the card or wallet, transactions for payment for goods and services are not carried out.