On 23 December 2010, the President signed Federal Law No. 375-FZ regarding suspension of certain rules of Federal Law "On the Insurance of Individual Bank Deposits in the Russian Federation." The Law entered into force on 7 January 2011. The Law on Insurance of Bank Deposits lists circumstances when a bank is not eligible to participate in the system of mandatory insurance of individuals' bank deposits (for example, the bank fails to comply with mandatory economic ratios or has "unsatisfactory" profitability). Therefore, such bank may not attract individuals' bank deposits.

In September 2009, a number of the above provisions of the Law on Insurance of Bank Deposits were suspended until 31 December 2010, allowing banks in temporary difficulty to continue attracting bank deposits from individuals. The Law extended this grace period until 1 July 2011.