What will change in the lives of Russians from September 1
This autumn, several important changes will take place in the lives of Russians at once: they will affect the labor and banking sectors, real estate and services. So, now it will be more difficult for fraudsters to steal citizens' funds, and citizens themselves will not be able to use garden plots for commercial purposes. Read about the important laws that September will bring in the Izvestia article.
Bonus and punishment
Federal Law No. 144-FZ of 06/07/2025 comes into force on September 1. It limits the possibilities of punishing employees for disciplinary violations. Now you can reduce the amount of the bonus only for that specific month or period when the employee committed misconduct and was severely reprimanded.
In addition, the monthly salary cannot be reduced by more than 20%. This means that if the bonus is reduced, the payment along with it will still not be less than 80% of the usual level. For example, if the salary is 50 thousand rubles and the bonus is 20 thousand rubles, then the maximum that can reduce the payment is 14 thousand rubles (20% of 70 thousand rubles). Back in 2023, the Constitutional Court of the Russian Federation recognized this practice as legitimate and ordered lawmakers to amend the Labor Code.
It is important to note that these restrictions do not apply to holiday or anniversary bonuses, which are not paid for work results.
Average earnings
On September 1, 2025, the old procedure for calculating average earnings will cease to apply. Now calculations need to be performed using a new methodology approved by Government Decree No. 540 dated 04/24/2025. It takes into account severance payments, monetary incentives, allowances, additional payments, salary increases and rates in representative offices.
Previously, severance payments were calculated based on the number of working days per month of dismissal. Now the formula is different:
Severance pay = average daily earnings (SDR) × average number of working days in the month of the year of dismissal.
This means that for the calculation, the average number of working days is averaged throughout the year.
If an employee has a cumulative accounting of working hours, for example, a flexible schedule, then the calculation is performed using a similar formula, only the average hourly earnings are used.
In addition, monetary incentives are now taken into account when determining average earnings, if they are provided for by the employer's remuneration system and are not social benefits, but rather a reward for work. In other words, bonuses and bonuses that stimulate work will be taken into account. All allowances and surcharges that an employee receives to a salary or a tariff rate will also be taken into account in calculations starting in the fall, regardless of whether they are related to salary or not.
The new decree obliges to take into account the increase in salaries, tariff rates and other payments if they occurred at the representative office of the company where the employee works. Previously, this provision was absent, and such income could not be taken into account.
Real estate innovations
The beginning of autumn will be marked by several innovations for property owners. Firstly, the family members of the apartment owner who did not participate in its privatization will be provided with housing under a social loan agreement. This procedure will work in cases where the house is recognized as an emergency, and people do not have other housing. To do this, they need to register those in need of housing or have every reason to accept it.
Information about current and former family members of the owner of an apartment that has been privatized or received from a housing cooperative will be included in the Unified State Register of Legal Entities. This affects those who have the right to use an apartment for life (due to refusal to participate in privatization or inclusion in the order when moving into a cooperative housing). The information will be added at the request of the owner of the residential premises or by a court decision.
Amendments will be made to Articles 85 and 89 of the Housing Code.
Also, a privatized or cooperative apartment can no longer be mortgaged without the notarial consent of the specified family members of the owner in accordance with Federal Law No. 482-FZ of December 26, 2024.
In addition, the Management Committee of apartment buildings will be required to report on the results of the year to the owners of apartments and non-residential buildings during the first quarter of this year. The report will be posted in GIS housing and communal services.
Country business
On September 1, the official list of signs of non-use of plots from the lands of settlements, as well as garden and garden plots, comes into force. Rosreestr will be guided by them when addressing issues of misuse.
Summer residents will be banned from doing business, but in fact such restrictions have been in effect for a long time. So, if the owner is caught using the land for other purposes or not keeping it clean, the owner may be fined and the issue of forced sale of the land may be raised.
The new law clarifies some points. For example, the cultivation of poultry and rabbits for personal needs is now allowed on the territory of a garden plot. But it is forbidden to do this for the purpose of selling. Among the permitted farm buildings are sheds, baths, greenhouses, sheds, cellars, summer kitchens, wells and other buildings for domestic needs. It is forbidden to arrange hotels, car washes and other commercial premises on the site.
Cluttering of more than half of the land area, overgrowth of weeds, shrubs and non-fruit trees over more than half of the territory, the absence of buildings and structures for five years or more or their presence in an abandoned state also becomes a reason for the application of measures.
Banking secrecy
From September 1, banks will be required to provide information on transactions, accounts and deposits of individuals and organizations at the request of an investigator or a criminal investigator. In this case, such a request must be made either on behalf of the head of the investigative body, or with his consent or the consent of the prosecutor. This is required by Law No. 279-FZ, adopted at the end of July, which amends the law "On Banks and Banking Activities."
It is assumed that expanding the circle of people who can receive banking information will help to stop questionable money transactions faster during investigations.
The Federal Tax Service (FTS) has from time to time proposed to expand its powers to check bank accounts, but so far no such changes have been submitted to Parliament. Currently, the law requires banks to provide information to the Federal Tax Service only at the request of the head and only as part of an official tax audit.
Purchase of equipment
Important changes have been made to the law on Consumer Rights Protection, which will affect buyers of smartphones, laptops and other smart devices. They will become effective on September 1, 2025.
When selling a number of devices with pre-installed programs, it will be necessary to guarantee consumers that they will be able to download and pay for applications from RuStore without restrictions.
Now, a product disadvantage is considered if the manufacturer or seller does not give gadget owners the opportunity to use one app store, as well as conveniently search for and update programs without unnecessary requirements and on transparent terms. In this case, the customer will be able to request a free repair, replacement, or refund.
The imposition of services
Starting from September 1, 2025, new rules will come into effect that protect customers from the imposition of unnecessary goods, services or work. According to Federal Law No. 69-FZ of April 7, 2025, sellers, owners of online platforms and performers are prohibited from automatically marking the customer's consent, expressing consent on his behalf, or creating conditions under which it is immediately assumed that the buyer does not mind purchasing additional goods or services.
According to the new rules, telecom operators, shops, banks and other organizations must obtain written customer consent for any additional goods and services — on paper or electronically. If the person did not give permission or additional products were imposed on him, the seller is obliged to return the money within three calendar days after the buyer's request. In this case, it is up to the seller to prove that the consent was actually obtained.
Cash withdrawal restrictions
Starting from September 1, new restrictions on cash withdrawals through ATMs will be introduced — no more than 50 thousand rubles per day. The limit will be valid for 48 hours from the moment of the withdrawal request and will affect transactions with any cards, including credit cards.
Such measures will not affect ordinary customers: a ban will be imposed only if the bank suspects that funds are being withdrawn under the influence of fraudsters. For example, a person suddenly tries to withdraw a large amount at night or in a new place.
At the same time, the financial institution is obliged to contact the client to inform him of the reason for the restriction and make sure that he acts voluntarily. It is assumed that in two days a potential victim of intruders will be able to calmly reflect on his actions and not fall for the trick. If the limit is still set, you will be able to receive cash at the bank branch after presenting your passport or other identification document.
In addition, stricter restrictions are applied to people on the special "list of droppers" — people who are suspected of cashing out other people's funds or collaborating with criminals.: They can withdraw no more than 100,000 rubles per month from a bank account. This measure has been in effect since May 15, 2025.
In case of any blockages, it is better to contact the bank yourself.
The "second hand" service
From September 1, 2025, banks will have a new service called "second hand", which will help protect funds from fraudsters. It can already be connected in some banks. The client will be able to select any loved one and appoint him as his assistant when checking account transactions. The Trustee will receive notifications about selected payments, transfers, or withdrawals. If the operation seems suspicious to him, he can stop it. At the same time, the assistant will not have access to the account and will not be able to perform any operations himself.
The transaction takes 12 hours to confirm: during this time, the person will be able to contact the account holder and check if there is any fraudulent activity. If they are detected, the bank will not make the transfer or issue cash. This service is especially useful for the elderly, who sometimes find it difficult to recognize scammers. However, not all transactions require the approval of a trusted person.
If suddenly the bank does not notify the assistant about a suspicious transaction and the money goes to the scammers, he will be obliged to compensate for the losses if the recipient is listed in a special database of scammers. But if the assistant confirms the dubious operation himself, the money will be refunded only through the court.
To reduce risks, it is recommended to appoint several assistants, set limits on the amounts and types of transactions, and be able to disable the service or change a trusted person at any time.
Loans and borrowings
From September 1, banks and microfinance organizations will begin to issue large loans with a short delay so that people have time to think about their decision and can refuse a loan if they realize that they do not need it or are acting under pressure from fraudsters. The norm is introduced by amendments to the legislation, the corresponding law No. 9-FZ was signed by the President of Russia on February 13, 2025.
If a person wants to receive a loan from the bank in the amount of 50 thousand to 200 thousand rubles, then after signing the contract he will need to wait four hours before the money is credited to the account. If you receive a larger amount, the cooling period will take 48 hours.
In cases where the bank or the MFI has issued money earlier, they cannot demand a refund if the client decides to refuse. The delay will not affect loans of up to 50 thousand rubles, targeted loans (for education, housing or car purchases), as well as refinancing without increasing debt. Also, the waiting period does not apply if the loan is issued with guarantors or co-borrowers and the client has a "second hand" service.
In addition, citizens can now apply for self-locking loans not only through Gosuslugi, but also at the MFC.
Advertising on banned sites
Starting from September 1, 2025, new restrictions on advertising will take effect. From now on, placing ads on Internet resources deemed extremist, undesirable, or blocked in Russia will be punishable by fines. Administrative responsibility will affect both customers and performers and distributors.
Advertising refers to any mention of goods and services, including calls for subscriptions to share content. Any formats are prohibited, including hidden publications, native integrations and free promotion, even in previously posted posts — they will have to be deleted.
One patent for two regions
From the beginning of autumn, migrants will be able to work on one patent in two regions at once. The government approved such amendments to the law "On the Legal Status of Foreign Citizens in the Russian Federation" on March 3. Initially, it was planned that such a system would be possible in all regions of the Russian Federation, but eventually it would work for workers in Moscow and the Moscow region, as well as St. Petersburg and the Leningrad region.
It is important that the type of activity specified in the patent is allowed in both regions. Employers are required to inform the Interior Ministry within three working days about the conclusion of an employment contract with a migrant.
According to the current regulations, foreign employees cannot work outside the subject in which they received the patent. Citizens of the EAEU countries (Armenia, Belarus, Kazakhstan, Kyrgyzstan), as well as holders of a residence permit or temporary residence permit in the Russian Federation, are exempt from the need to apply for it.
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