The Supreme Court of Russia ruled that issuing a microloan based on a passport photo and an SMS code sent to someone else's number is illegal. The Supreme Court also ordered lenders to make sure that the loan is given by the owner of the personal data. Novosibirsk resident Zaur Mamedov owed the collection agency 74 thousand rubles. According to him, the loan was issued by fraudsters who provided the credit institution with a photo of his passport. An SMS message with a confirmation code was sent to someone else's number, and the money was transferred to another card. The telecom operator and the bank confirmed that the cards do not belong to Madov. The courts of first instance supported the receivers, and believed that the presence of passport data in the agreement meant the consent of the borrower. However, the Supreme Court disagreed. "The use of passport data and a passport photo does not unconditionally mean that the agreement was signed by the owner of this data," the Supreme Court said in its decision. The court overturned the previous decisions and sent the case for a retrial.