Russia's Supreme Court ruled that a single passport photo and SMS code are not enough to legally issue a microloan if the confirmation code is sent to someone else's number. The lender must verify that the loan is actually given by the owner of the personal data. The reason was the case of Novosibirsk resident Zaur Mamedov, from whom the collection agency demanded 74 thousand rubles. The man claimed that the loan was issued by fraudsters using a photo of his passport, the SMS was sent to someone else's number, and the money was then transferred to another card. The telecom operator and the bank confirmed that neither the number nor the card belonged to Madov. The lower courts sided with the collectors, and saw the presence of the passport data as sufficient confirmation of the borrower's consent. The Supreme Court did not agree with this approach, annulled the previous decisions and sent the case for a new trial. This is an important position for the micro lending market. Official matching of passport data is no longer sufficient; The lender must prove that the agreement was concluded by the person in whose name the loan was issued.