This mechanism was implemented in Kyrgyzstan on November 1, 2025, with the aim of reducing cases of fraud and protecting citizens from obtaining loans without their knowledge.
Citizens can freely set or remove the self-restriction through the state electronic services portal, and the information about the restriction is transmitted to the selected credit bureaus.
Financial institutions are required to check for the existence of a self-restriction and to deny credit if such a restriction is in place.
The legislative changes that introduced this mechanism were signed by the president in the summer of 2025.
