The Russian Banks' Association asked the State Duma to exempt regional banks with a basic license from the obligation to open deposits and social accounts from 2027, Izvestia writes. According to the organization, the costs of setting up IT systems and integration with state services can reach 10 million rubles for each participant, which is unaffordable given the low demand. Experts warn that the exclusion of small players will limit the availability of preferred products to residents of remote areas where there are no branches of large credit institutions.