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On October 7, 2025, the Verkhovna Rada of Ukraine approved in the first reading draft law №14013 “On Credit Histories”, which forecasts major changes for the Ukrainian lending market, develops a system for borrower rights protection, and regulates the activities of credit history bureaus. This government move meets current challenges arising from the rapid development of financial services, digitization of the banking sector, and European information security standards. Background to Credit History Reform Until now, the main legislation on credit histories was based on the Law of Ukraine “On the Organization of Formation and Circulation of Credit Histories” dating back to 2005. But in two decades, lending has become a mass phenomenon, and the storage of personal financial data has become a critical issue. The IMF Memorandum and the rising share of online loans defined the direction for reform: a law is needed to secure personal data protection, increase transparency and the quality of information exchange, and ensure proper state oversight. Key Provisions of the Draft Law The bill offers comprehensive changes in credit history management in Ukraine: Definition of the scope of data included in the credit history: from financial agreements to information about income, marital status, and dependents. Establishing data retention periods — up to 10 years, in line with European approaches. Clear procedures for deleting information after the retention period expires. Regular updates of credit information by all providers and users. Introduction of an electronic Credit History Bureau Register with open access. Licensing of credit bureau activities, as well as enhanced requirements for their owners and managers. Regulation of cross-border data exchange, with a precise list of permitted countries and a complete ban on operations with aggressor states. Borrower Rights Protection Key innovations include guarantees that every citizen will have free access to their credit history, may make changes or request removal of inaccurate data. The law strictly prohibits data use by third parties without the owner’s consent and establishes sanctions for noncompliance. If loan agreements are signed against the borrower’s will, such contracts are null and void. During martial law, the bill even allows close relatives of a missing person or representatives of the deceased to access the history in a limited way for financial matters. State Oversight and Control The draft law strengthens government control through the National Bank of Ukraine. The NBU receives expanded powers to monitor credit bureau operations and may apply sanctions and corrective measures in case of violations. Creating an electronic Credit Bureau Register will increase transparency for market participants, simplify access for borrowers and creditors, and prevent “shadow” structures from threatening citizen data. Impact on Market Participants Creditors will operate more transparently and under stricter control. All creditors must now report regularly to the bureau, providing current data on borrower obligations. This will reduce fraud and inaccuracies and help clients avoid “stuck” debts due to database errors. For financial institutions, the changes mean extra integration costs with bureaus, tighter data quality standards, and stricter requirements for client information protection. European Context and Prospects Ukraine’s credit history bill was developed considering European personal data protection norms (GDPR), financial market transparency, and implements IMF requirements for banking sector risk control. It is expected that adopting new rules will boost responsible lending, reduce fraud schemes, and increase trust between banks and clients. Financial literacy will grow in importance: citizens will better manage their credit history, access targeted financial products, and protect themselves from manipulations by third parties. Conclusion Passing the credit history bill marks an important step in reforming Ukraine’s financial system. The law changes approaches to storing and processing personal financial data, guarantees borrower rights protection, raises creditor accountability, and comprehensively regulates credit bureau operations. Enhanced oversight and transparency will secure data and minimize fraud risks. Implementing the bill’s provisions will help introduce European standards for the lending market, protect citizens from errors, and financial institutions from opaque schemes. Ukraine is moving closer to a fair, secure, and modern credit system. Svitlana Krutorohova — Attorney, WINNER Law Firm.If you have further questions about lending, seek a legal consultation! https://youtu.be/k2-1dq7hxcY?si=RdbkSWkq79W2JGzU

Closing an individual entrepreneur (FOP) without inspection will soon become impossible — the National Bank of Ukraine is initiating major changes aimed at strengthening control over the termination of entrepreneurial activity and minimizing financial fraud. This will significantly impact the microbusiness market, especially after years of relative “liberality” in FOP closure procedures, which allowed unscrupulous entrepreneurs to avoid fulfilling their obligations to the state and the budget. What changes are planned by the National BankThe National Bank has proposed a series of important adjustments to the operation of automated online services (particularly “Diia”), so that the closure of a FOP will occur strictly in stages and under close government supervision. The initiatives include: Introducing mandatory checks on the entrepreneur’s financial operations and tax payments before the registration of the termination of activity. Integrating automatic formation of a liquidation declaration indicating the full turnover and tax obligations for a specific period. Registering the termination of a FOP only after all listed procedures are completed and a positive conclusion from authorities is received. The official motive is the fight against fictitious business closures and the minimization of schemes involving FOP use, where entrepreneurs evade taxes, leave debts, or use their status for illegal financial operations. Reasons for the changes and economic contextIn recent years, the number of so-called “drops” — FOPs that are opened en masse and quickly closed — has increased. These are used in grey and black financial schemes for moving money and avoiding taxes. Based on its own data and analysis of the banking sector, the National Bank concluded that most such manipulations rely on the ability to quickly close a FOP without real control over the entrepreneur’s tax obligations. This results in additional budget losses and distorts the competitive environment in the domestic market. Moreover, from 2026, minimum wages and living standards are expected to rise, new tax rates will be implemented, and this prompts unscrupulous entrepreneurs to close FOPs while the procedure remains simple. The authorities are therefore rushing to strengthen preventive controls now. How the new mechanism will workIt is stipulated that after submitting an application to close a FOP, the system will automatically verify: Full accrual and payment of the unified tax, social security contribution, and military levy. The presence of income on all FOP accounts, and whether these match reported and paid amounts. Absence of tax debts, unresolved tax obligations, or violations for previous tax periods. Any facts of blocked bank accounts and possible financial monitoring violations. Afterwards, a draft liquidation declaration will be automatically generated for the entrepreneur. After all checks are completed, Diia or another state online service will provide a final decision regarding the possibility of closing the FOP. Simply submitting the application will not be sufficient; all control procedures must be passed. Additional implications for businessThe changes initiated by the National Bank will affect every FOP — both micro-entrepreneurs and mid-market players. At the same time, the regulator stresses that for those conducting a transparent business and honestly fulfilling tax obligations, only standard checks will occur, and closure timeframes usually will not be delayed. The main aim is to prevent abuses and fraudulent schemes. For law-abiding FOPs, the consequences include: Mandatory preparation and submission of a detailed liquidation declaration. Control over repaying all debts, including social security contributions at the time of liquidation. Closure of business accounts only after the final decision on activity termination. The Tax Authority’s right to conduct documentary audits within three years, even after official closure. Current situation and differences from previous procedurePreviously, an entrepreneur could use simple online tools to submit a termination application and be excluded from the Unified State Register within 24 hours, regardless of existing debts. Actual inspection and tax payment were handled retrospectively or not at all. Now, under the proposed changes: No FOP will be closed automatically without procedural checks. All tax obligations must be paid before liquidation. A multilevel control system will be integrated, involving tax and banking authorities. What entrepreneurs should expectIt is anticipated that the new concept will foster the legalization of the FOP sector and boost revenues for the budget. The National Bank and Ministry of Digital Transformation emphasize that the anti-fraud program will not complicate life for “white” businesses, but will become a serious obstacle for schemes aimed at tax evasion or using FOPs as cover. However, during the implementation of new procedures, it is possible that: Closure timelines for FOPs will increase if discrepancies are found; Additional accounting requirements will arise; Stringent monitoring of banking operations will be introduced; Closure will be more complicated for FOPs of the 2nd and 3rd groups with larger transaction volumes. ConclusionThe National Bank’s and government’s plans to make FOP closure “without inspection” impossible set the stage for a new culture of responsible entrepreneurship: transparency and openness are now essential not only for exiting business but also for sustaining it in future. A too-quick “exit window” will no longer work, and honest entrepreneurs should prepare all documents and reports in advance for proper liquidation of activity. Author — Maksym Bahniuk, Head of Tax and Customs Law Practice at the Law Firm “WINNER”. If you have any additional questions regarding legal support for sole proprietors (taxation systems, registration, reporting, inspections, liability before regulatory authorities, etc.), feel free to request a consultation! https://youtu.be/rEd6me-Ume4?si=Ojqj2U94wPWgUuig

In 2025, the Risk Assessment Criteria Monitoring System (SMKOR) underwent significant changes, with a series of official explanations provided by the State Tax Service. The main goal is to optimize the mechanism for automatic blocking of tax invoices (TI) and adjustment calculations (AC), reduce the number of accidental blockings of bona fide taxpayers, and increase procedural transparency and the stability of VAT administration. Key Directions of Changes in SMKORAs of September 27, 2025, amendments to CMU Resolution No. 1165 came into force. These include a number of innovations: Increased thresholds for unconditional registration of TI and AC: the limit for one TI has been increased from 5 to 10 thousand UAH, and the monthly supply volume—from 500 thousand to 3 million UAH. Updated criteria for unconditional registration now include expanded requirements for a positive tax history (turnover per counterparty, the number of companies in which a director can hold a similar position, etc.). The automatic unblocking mechanism for TI and AC has been improved: if the risky status is removed or when considering data tables, a positive tax history is also taken into account—this allows for a faster and simpler return to normal operations. Risk Mechanism Updates Separate clarification of the criteria for risky taxpayers and signs of risky operations, particularly regarding adjustments for returns of goods by non-VAT payers (the time limit has been increased from 30 to 90 days). The formula for evaluating transaction volumes has been changed to reduce the number of incorrect blockings of TIs and to identify specifically risky taxpayers. Enterprises from areas with increased security risks are granted additional concessions and simplified access to unconditional TI registration. Tax Service Efficiency and OpennessThe STS emphasized the transition to a “one-click tax” model and the enhancement of dialogue with business. Regional consulting centers have been established, where entrepreneurs can promptly obtain advice on unblocking and completing data tables. All changes are being developed in close cooperation with business associations and expert communities. Clarifications on the Taxpayer’s Data TableThe new data table consideration mechanism is automated. Now, after submission, supporting documents are not always required—the system recognizes repeated submissions and resolves issues automatically. There is also a complaints procedure allowing for decisions to be canceled through the accumulation of a positive taxpayer history. Impact on Reliable TaxpayersThe changes have significantly reduced administrative burdens for those constantly confirming the legality of their operations and demonstrating business transparency. According to STS forecasts, the share of blocked invoices in 2025 has halved—from 0.76% to 0.39% of the total. Substantiating taxpayer data and unblocking has become less bureaucratic and faster. Negative Phenomena and Actual ChallengesAlongside positive innovations, there is an increase in the total amount of blocked VAT. Meeting risk criteria has become more difficult for companies with large turnovers or non-standard delivery practices.One continuing problem is the lack of proper automation of interaction with the tax authority on contentious issues. Companies still risk being placed in the “risky segment” due to one-off discrepancies or technical system errors. Prospects and Next StepsThe STS announces expanded analytics, audit digitalization, and integration with government digital services (Diia). The aim is to simplify operations for companies conducting transparent business flows, while strengthening control over abnormal or suspicious fiscal transactions.The decisive factor for the effectiveness of these changes will be the balance between control and service, as well as the broad involvement of business in the development of new rules through open dialogue. Author — Maksym Bahniuk, Head of Tax and Customs Law Practice at the Law Firm “WINNER”. If you have any additional questions or need expert advice on issues related to the blocking of invoices, feel free to request a consultation! https://youtu.be/rEd6me-Ume4?si=Ojqj2U94wPWgUuig

Ukrainian state policy is actively reforming all spheres related to the accounting of hired labor. Traditional mechanisms for notifying tax authorities about the hiring or dismissal of employees have long remained a major pain point for businesses, accountants, and sole proprietors. Ongoing discussions among professionals, attempts to unify reporting, efforts to reduce bureaucratic pressure, and address informal employment have laid the groundwork for reforming the deadlines for submitting information about HR changes. These steps are especially relevant in light of the global transition of the economy to digital interaction and enhanced control over compliance with labor and tax law. Legislative background and motivation for changesOn July 16, 2025, the Verkhovna Rada adopted Law No. 4536-IX “On Amendments to the Tax Code of Ukraine and Other Legislative Acts of Ukraine,” which enters into force on January 1, 2026. It updates subparagraph 70.16.1 of Article 70 of the Tax Code—a key norm for labor relations accounting. Starting in 2026, there will be clear differentiation of employers and new deadlines for submissions:for legal entities, government bodies, and tax agents — notifications within 20 calendar days after the end of the reporting month;for sole proprietors and self-employed persons — within 40 calendar days after the end of the quarter. The main goal of the reform is to synchronize the work of business and state registers, ensure effective control of labor records, relieve administrative pressure on especially small and microbusinesses, and improve data analytics for the tax service. Logic of new deadlines: why a differentiated approachThe distinction between employers is a matter of scope and specifics.Legal entities often have significant staff turnover and complex structures, so they report monthly—20-day deadlines allow rapid response to changes and ensure continuous control.Sole proprietors and self-employed generally work with stable or small teams, with many features like seasonality or temporary staff—quarterly reporting minimizes routine and reduces the risk of technical errors. How the new procedure will work in practiceLegal entities (LLC, JSC, government bodies, tax agents): all HR actions in a calendar month—hiring, dismissing, or transfers—must be reported to the tax service within 20 calendar days after the month ends.Sole proprietors, self-employed: submit information on staff changes within 40 calendar days after the quarter ends.Forms and reporting procedures remain unchanged: the reform concerns only deadlines and automation in tax systems.HR departments must adjust local control schedules, factoring in new dates when planning hiring or dismissals. Impact for business and accounting Convenience for small businesses: more time for data preparation, reduced risk of fines for technical errors. Administrative advantages for large businesses: shorter deadlines allow quick adjustments, optimize HR processes, and speed up ERP data integration. Greater labor market transparency: timely staff status data helps government agencies track trends, analyze employment, combat informal work, and unregistered employees. Changes to software algorithms: accounting and HR software, as well as services like Diia and Electronic Taxpayer Cabinet, must now alert users of reporting deadlines to avoid penalties. Risks and limitationsPenalties for missed deadlines: under the Tax Code, delays or concealing information are grounds for fines and administrative responsibility (from 510 to 1700 UAH, depending on the violation).Transition and form updates: businesses need to adapt processes, update instructions, and train staff.Quarterly reporting for sole proprietors: dismissals or new hires at the end of a quarter result in late reporting to the tax service, which can create legal issues during audits or disputes. Implementation phasesThe new deadlines apply from January 1, 2026. Until then, all employers work under the old scheme—20 calendar days after the month for everyone. The transition is used to update internal rules, instructions, and automate data processing. Conclusion: balancing interests and digitalization challengesIntroducing new deadlines for hiring/dismissal notifications is a key step toward digital interaction between government and business. For large labor markets, this means greater transparency and effective employment control. For small businesses, it reduces bureaucracy and accidental fines. Success depends on software modernization and business readiness for new requirements. Author: Ihor Yasko, Managing Partner of “WINNER” Law Firm, PhD in Law. If you have additional questions or need expert advice on this topic, please contact us for a consultation! Our specialists will help you find the best solution for your situation, taking into account current legislative changes and practice.Submit a request or contact us in any way convenient for you — and receive professional support today.Sincerely, WINNER company. https://youtu.be/k2-1dq7hxcY?si=NBlQygfq7zMjNhWF

The transformation of the state into a digital platform has already become a reality for Ukrainians. The “Diia” program, which in a few years has evolved from an electronic cabinet into the main channel of communication between citizens and the government, opens a new era in the field of personal data protection. In October 2025, the Cabinet of Ministers approved the implementation of a data access monitoring subsystem in “Diia”, thanks to which every Ukrainian will have the right to know who, when, and for what purpose accessed their information in state registers.This step carries profound meaning: the state openly demonstrates that access to data is not a privilege of an administrator or official, but a dialogue between the citizen and the digital system, which is controlled by the person themselves.How the new monitoring option will workThe essence of the innovation is simple and extremely transparent. Every time a government agency or another entity (depending on the level of access) makes a request for a citizen’s data, this is recorded by the Diia system. The user will receive a push notification: time, name of the institution, purpose of the request. Thus, even in cases of standard government procedures (passport issuance, certificates, subsidies, etc.), a person will be able to track what government mechanisms are launched in relation to them.The function is implemented on the basis of the “Trembita” system, which ensures interaction between registers – so register interaction, which was previously outside the citizens’ view, will become visible to everyone.Pitfalls: exceptions, oversight, and balanceHowever, digital maximalism has its limitations. As noted by the Minister of Digital Transformation Mykhailo Fedorov, in exceptional cases the system will not send notifications: investigations of crimes, counterintelligence activities, anti-terrorism, pretrial processes. Similar directives are in effect in EU countries under GDPR. This approach is associated with the need to protect investigations and counter threats to national security.At the same time, control over unauthorized access is strengthened, since even special services must justify their requests. Providing most institutions with transparent information about the legal basis for accessing sensitive data increases trust in state institutions.Personal data, legislation, and European trendsThe government’s decision harmonizes with a major update of data protection policy – draft law No. 8153 “On Personal Data Protection”. This document is aimed at the broadest possible implementation of GDPR standards. The draft law provides for the appointment of a Data Protection Officer (DPO), clear requirements for transparency, consistency, notification, and liability for leaks.Main principles:clearly expressed and voluntary consent for processing;notification about the purpose and ways of use;notification about data leaks within 72 hours;large fines for violators (up to UAH 20 million or 8% of annual turnover).In the context of “Diia”, these mechanisms become technological reality: everyone can control their data trail, and the state undertakes to reveal the details of this circulation.Social effects: transparency, security, and trustThe launch of this feature is not just a technological upgrade. It demonstrates the maturity of society and government structures, recognizes the citizen’s right to privacy and control of their information. The state becomes an equal player in relations with society—while previously data circulation happened “in the kitchen”, without citizens’ tangible involvement, now this process is documented from the start, explained, and can be contested if necessary.Such steps are key for building trust: the fewer “blind spots”, the fewer risks, abuses, and corruption in the administrative apparatus.New risks – new approaches to protectionIt is important to remember the other side: cybersecurity, prevention of leaks, and advanced audit of the entire state IT infrastructure. Opening new access channels is both an asset for citizens and a challenge for defenders of state systems against cyberattacks and insider threats.That is why the monitoring system must be complemented by advanced technical protocols for access restriction, logging journals, and responses to hacking attempts.Ukraine as a global digital experiment siteThe strategy of Ukraine’s government is to keep pace with Western practices, considering local specifics (large number of state registers, weak digital culture in some social categories, high level of cyber threats). Several years ago, the idea that the state would be obliged to explain any access to your data seemed futuristic. Now this is Ukraine’s new digital standard.This practice could become an example even for other countries seeking the highest balance between openness, security, and citizens’ interests protection.Conclusion: control returns to the citizenThe introduction of notifications in “Diia” is not just another upgrade of a government application. It is a technological breakthrough that changes the paradigm of the relationship between the state and the individual. Ukrainians will no longer be passive “consumers” of electronic services, but full-fledged subjects of the digital space, where the degree of transparency, trust, and mutual control defines new rules for the entire state. Author: Ihor Yasko, Managing Partner of “WINNER” Law Firm, PhD in Law. If you have additional questions or need expert advice on this topic, please contact us for a consultation! Our specialists will help you find the best solution for your situation, taking into account current legislative changes and practice.Submit a request or contact us in any way convenient for you — and receive professional support today.Sincerely, WINNER company. https://youtu.be/k2-1dq7hxcY?si=NBlQygfq7zMjNhWF

In 2025, the Ministry of Defense of Ukraine is piloting a digital fine system via the Reserve+ application for Ukrainians who violate military registration rules. The changes, established in the signed laws and Cabinet resolutions, envisage strengthened oversight of persons liable for military service and the digitization of related procedures and penalties. Premises and Purpose of Implementing Fines via Reserve+Given the ongoing mobilization and the need for efficient military and mobilization record-keeping, the Ministry of Defense launched a project to digitize the process of imposing and paying fines for violations of military registration. One of the main goals is to reduce the actual workload on the Territorial Recruitment and Social Support Centers (TRC and SSC) and to enhance overall compliance with military obligations in Ukraine. Main Legislative GroundsIn April 2025, the President signed Law №4316-IX (amendment to the Code of Administrative Offenses), which allows cases regarding violations of military registration to be considered remotely—if the individual consents—by submitting an electronic application through Reserve+. The Cabinet approved changes to the military registration procedure in September 2025. Now, all men aged 25-60 are subject to automatic registration based on unified state registers, and being absent from the register is a direct basis for a fine. Practical Implementation of the ‘Fines in Reserve+’ ModuleThe new module in the Reserve+ app enables: Finding out about an infraction (a red banner appears in the “Online Fines” section). Submitting an application admitting a violation—either on paper via the TRC or electronically in the app. Receiving an administrative decision and paying the fine online, without needing to visit the TRC in person. Fines are imposed for: Failure to report after being summoned; Failure to register for military service at age 25; Failure to register after a change of residence, IDP status, or after dismissal; Refusing or avoiding undergoing the military medical commission; Failure to update details after legislative changes; Failure to provide property under mobilization conditions, etc. Penalty Amounts and Payment DeadlinesThe current fine is 8,500 UAH (50% of the minimum fine if paid within 20 days after the decision). If the deadline is missed, it becomes 17,000 UAH; if the fine isn’t paid for 40 days, the case goes to the State Enforcement Service with a sanction of 34,000 UAH. Payment can be made online via the app or at the bank upon receiving the decision from the TRC. The fine effectively closes the infraction if other data are updated in the system. However, correct transmission of information from the TRC to the electronic system is crucial. Implementation Issues and Public ReactionSome experts note that, in practice, the digital system only partially resolves the issues—not all authorizations work properly, especially for those who paid fines physically but don’t see the status updated online. Citizens and lawyers draw attention to the risks of duplicated liability and technical errors, which may cause repeated summons or double fines. On the other hand, the Ministry of Defense stresses that the service is still being improved, encourages testing to refine the interface and interaction for all mobilization categories, and helps avoid queues at TRCs and clashes with the police. Notes for Entrepreneurs and EmployersLegal entities must timely provide information about employees for military registration, or the company may also be fined in this system. Personal liability for managers regarding these obligations has become stricter in 2025. Conclusion and OutlookThe introduction of digital fines via Reserve+ is only the first step toward full-scale digitalization of military registration in Ukraine. The Ministry of Defense has already announced plans to expand online services and automate information exchange between state registers (Migration, Diia, Tax, Pension Fund). In practice, digitalization will speed up mobilization work but will require attention to legal guarantees and protection from erroneous sanctions. Author: Ihor Yasko, Managing Partner of “WINNER” Law Firm, PhD in Law.If you have additional questions or need expert advice on this topic, please contact us for a consultation! Our specialists will help you find the best solution for your situation, taking into account current legislative changes and practice.Submit a request or contact us in any way convenient for you — and receive professional support today.Sincerely, WINNER company. https://youtu.be/k2-1dq7hxcY?si=NBlQygfq7zMjNhWF

An electronic extract from the State Land Cadastre (SLC) with data from the State Register of Proprietary Rights to Immovable Property (SRPR) has become a mandatory digital tool for confirming the legal status of a land plot and its owner. The introduction of an integrated online extract has greatly simplified access to information, minimized bureaucratic barriers, and sped up land transactions. Legislative Framework and Purpose of the Electronic ExtractThe electronic SLC extract with SRPR data is an official state document and is legally equivalent to a paper version—this is provided by the Law of Ukraine “On Electronic Documents and Electronic Document Flow”. Integration between the SLC and SRPR ensures automatic transfer of information about: the land plot owner, type, scope, and term of proprietary rights, existence and content of encumbrances or restrictions, cadastral status. Key Advantages of the Modern Electronic System 24/7 access via a personal account; Minimization of human error; Rapid request processing (up to 24 hours); Ability to simultaneously receive all analytical information on the plot, checking its status in the SLC and SRPR; Official QR code and electronic signature on the extract, ensuring its unquestioned acceptance by notaries, courts, or authorities. Step-by-Step Online Guide to Obtaining an Extract Authorization on the StateGeoCadastre PortalGo to the electronic services site of the StateGeoCadastre—e.land.gov.ua.Log in with a QES (qualified electronic signature), or via BankID or ID.GOV.UA to access your land user account. Search for the plot by cadastral numberEnter the exact cadastral number (usually a 19-digit code) of the desired land plot. For precise identification, select your plot on the map or enter all details manually. Fill in an electronic applicationIn the “Request extract” section, choose the type: “Extract from the SLC about the land plot with data from the SRPR”.Fill in the form: Your passport and identification data, email address, contact phone, preferred method of receipt (personally, via a representative, or through the ASC if necessary). Service fee paymentPay the administrative fee with a bank card directly in your user account (for 2025—approx. 80–95 UAH). Formation and receipt of the extractThe system automatically processes the request, collects data from the SLC and SRPR for the specified number, and generates an electronic extract in PDF format with the StateGeoCadastre’s digital signature.A link to the document is emailed and/or appears in your personal account. Verification optionThe received document contains a QR code and a unique number so any person (notary, buyer, lawyer, authority) can verify the extract’s authenticity. Content of the Modern Electronic Extract Data from the land book (boundaries, area, designated purpose, cadastral plan); All registered rights and restrictions (mortgage, lease, servitude, encumbrance, pledge, etc.); Information about the right holder (full name of owner or name of legal entity); Information on debts, legal disputes, seizure applications; Info on mineral resources if the plot overlaps them, and environmental encumbrances; Consolidated SRPR data on real estate located on the corresponding plot. Legal and Practical Significance of the Electronic Extract Required for sale and purchase, donation, exchange, pledge, lease, or inheritance agreements; Proof of right during registration of changes in the SRPR; Requirement for banks and financial institutions when granting loans secured by land plots; Simplifies checks by state and supervisory authorities during pretrial and court disputes over land. Problems and Features of 2024–2025 Electronic extract functionality is available across Ukraine, but during active hostilities some regions may experience temporary technical limitations; In case of disagreements, it’s advised to duplicate the extract in paper form through the ASC or notary; For complex cases (contested ownership, seizures, multilayered registrations), it’s worth ordering extracts from both the SLC and SRPR in parallel. Tips and Warnings Always double-check the entered cadastral number; Don’t neglect to test personal account functions: the system is periodically updated; For high-value transactions or corporate clients, seek help from a certified land surveyor or notary; If desired, it’s possible to obtain a document with full legal force via your chosen ASC—even if ordered online. Obtaining an electronic SLC extract with SRPR data is an interactive, maximally convenient, and securely guaranteed procedure that unlocks modern access to legal registration information about land in Ukraine. Svitlana Krutorogova — attorney, Legal Company WINNER. 👉  If you have any additional questions or need expert advice on this topic, feel free to request a consultation! Our specialists will help you find the best solution for your situation, taking into account current legislative changes and practices. 📞 Leave a request or contact us in any way convenient for you, and receive professional support today.Sincerely, WINNER company. https://youtu.be/k2-1dq7hxcY?si=NBlQygfq7zMjNhWF

The Antimonopoly Committee of Ukraine has launched a large-scale investigation against the country’s largest pharmacy chains — “ANC”, “Dobrogo Dnya”, “9-1-1”, “Podorozhnyk”, and “Bazhaemo Zdorovya”. According to the Committee, these five chains control 64% of the market turnover and over 42% of pharmacy outlets in Ukraine.For business, this is not just breaking news. It marks a turning point in the state’s approach to regulating competition. ⚖️ What the AMC is checkingThe Antimonopoly Committee is analyzing possible coordinated actions between companies, which may lead to market monopolization and the establishment of non-transparent prices for medicines. This does not refer solely to classic collusion — even informal alignment of commercial policy through joint suppliers or IT platforms can be qualified as anti-competitive concerted practices.At the center of attention are pricing, discount policy, interactions with distributors, and marketing arrangements that may create artificial barriers for other market participants. 💡 What this means for businessThis investigation could become a precedent for all sectors where market concentration lies with major players — from fuel to retail or online platforms.Every business operating in a highly competitive environment should assess its own commercial relationships: are there risks of cross-arrangements with competitors or joint suppliers; do your marketing agreements contain elements of price or conduct coordination; do your company’s internal policies comply with antimonopoly law? 🛡️ How to protect your companyWINNER Law Firm lawyers emphasize:“In today’s environment, the risk of violating competition law arises not only out of intent to collude, but also through carelessness or lack of compliance. Every letter to a supplier, every business meeting, or exchange of market data is a potential risk point.”To avoid claims from the AMC, companies should: Conduct an antimonopoly audit of contracts and policies. Implement compliance programs and provide training for management. Establish internal controls over communication with competitors. Develop a response strategy for AMC requests or searches.Author: Oleksandr Nakonechnyi – attorney, head of corporate and commercial law practice at WINNER Law Firm. 🚀 WINNER’s position The WINNER Law Firm team supports clients in AMC cases, conducts comprehensive risk audits, prepares defense positions and strategies for interaction with regulatory authorities.Our approach is the preventive protection of business, where every document, agreement, or consultation adheres to a single principle: “We don’t just react — we anticipate.” 📞 Submit an application or contact us in any way convenient for you and receive professional support today. If your business operates in a competitive environment, now is the time to check how protected you are.👉 Contact WINNER Law Firm — we provide a legal advantage where others see only risks. WINNER means your victory! https://youtu.be/rEd6me-Ume4?si=U7ERtAD4o1VszM8H

The issue of property rights to real estate is one of the main guarantees of stability, security, and a sense of ownership status for every citizen of Ukraine. Historically, Ukraine’s real estate registration system has been complex and often contradictory. For decades, various paper registries, certificates, deeds, and local authority decisions existed. The situation began to change with the introduction of the modern State Register of Proprietary Rights to Immovable Property (SRPRIP) in 2013. However, millions of properties registered before this time remained legally “invisible” to the new digital system, substantially increasing risks and problems for owners. Why was there a need for reregistration? Under the old registration procedure, local Bureaus of Technical Inventory (BTI), governmental acts, court rulings, orders, and even handwritten certificates were valid. Information about such properties remained in archival books and systems not integrated into the state electronic register. In practice, this means: the state does not guarantee protection of your real estate rights in the event of a court dispute, fraud, or inheritance—if the property is not entered in the SRPRIP. Since 2013, the principle has changed, and the only official confirmation of ownership rights has become information in the State Register—allowing any third party, bank, notary, or court to quickly check, dispute, or confirm property rights. Is reregistration mandatory? What does the law say? According to the latest clarifications from the Ministry of Justice and provisions of the Law of Ukraine “On State Registration of Proprietary Rights to Immovable Property and Their Encumbrances”, an owner has the right—but is not obliged—to register property acquired before 2013. This procedure is free and voluntary: the applicant decides whether to move their documents to the digital register. However, if the owner plans to sell, gift, inherit, or use such property as collateral in a bank, the lack of registration in the SRPRIP will make these transactions impossible. The same applies to state compensation for destroyed housing: for payments, the state requires an electronic entry in the unified register. The logic of reform: risks for owners Old “paper” rights, even if granted legally, are entering a high-risk zone in 2025–2026: Fraud: Forged certificates, duplicate documents, attempts to register a property to another person—these are typical threats for real estate outside the new register. Blocked transactions: Without entry in the SRPRIP, a notary cannot certify the deal, and banks will not lend against such collateral. Courts and inheritance: Court cases are almost always decided in favor of the party whose rights are confirmed in the state electronic register. Loss of compensation: Martial law and mass destruction have heightened the relevance of confirmed property rights—only “digitalized” property can be compensated. How the reregistration procedure works Preparing the document package. Required: passport, tax code, original title document (certificate, sale agreement, deed, court decision), BTI extract (if available), land documents (if it’s a plot). Applying to a notary or an Administrative Service Center (TSNAP). The owner chooses the entity; the notary/registrar works within the region of the property. For some regions, extraterritoriality applies. Application and verification. The notary/registrar checks the papers (may conduct additional identification if necessary). Entry into the SRPRIP. Data are entered into the electronic base, the owner receives an extract and (optionally) an updated technical passport for the property. Terms and cost. The operation is free (no administrative fee charged), period—5-10 business days. In complex cases, processing may take longer. Challenges and future issues War and remote archives: If documents are lost or destroyed, the process may require court or local BTI archival restoration. Inventory reform: Property owners without updated technical documents may need to carry out additional inventory or agree on consolidated changes. Digitalization: Since 2024, some procedures are available online via “Diia”, simplifying registration—especially for those with an electronic signature. Risk of invalidity: Leaving property with only “paper” documentation lowers rights status and exposes the owner to loss if documents go missing. Legal and social dimension of the reform The main message of recent years: without state registration even legally acquired property outside the SRPRIP can be disputed in any legal situation. For protection, smooth inheritance, receiving government help, attracting financing, or protection from fraud, digital reregistration is not just a trend but a real guarantee of private ownership. The reforms reflect a global trend toward transparency and a “single data field”—in the EU, similar digital platforms (such as Poland’s electronic cadaster) are foundational for the real estate market. Conclusion: act now Reregistration of rights for documents dated before 2013 provides: Protection from raiding and forgery; Ability to use property in any modern transaction; Rights to government compensation and insurance; Straightforward inheritance transfer; Access to the state digital infrastructure. In the context of reforms, martial law, and general digitalization, staying in the “paper zone” is dangerous. Moving your data to the SRPRIP is not just a requirement—it is the contemporary guarantee of your property rights and peace of mind for your family. Svitlana Krutorogova, attorney, WINNER Law Firm. If you have any additional questions or need expert advice on this topic, feel free to request a consultation! Our specialists will help you find the best solution for your situation, taking into account current legislative changes and practices. Leave a request or contact us in any way convenient for you, and receive professional support today.Sincerely, WINNER company. https://youtu.be/k2-1dq7hxcY?si=NBlQygfq7zMjNhWF

Technological foundation of the changesThe foundation of the new rules is the Open Banking platform, which enables banks and payment systems to receive and exchange detailed information about financial transaction participants. This ensures precise identification of payers and recipients, as well as tracking transfer chains and preventing fraud. Key innovations Full name of the recipient: All payment documents and bank statements will no longer have abbreviations or codes, but instead display the full name of the company or person who received the funds. This makes financial flows transparent to users and regulators. Expanded payer details: For card transfers, bank statements will now include identification data of the payer, including full name, recipient’s name, and account number. Enhanced financial monitoring: Banks will analyze not only the amounts transferred, but also the client’s profile, business sector, and transaction riskiness. Payments up to 30,000 UAH per month will not raise concerns, between 30,000 and 400,000 UAH may prompt additional inquiries, and above 400,000 UAH will require mandatory documentary confirmation of the source of funds. Focus on risky areas: Special attention is paid to transfers connected to gambling, real estate, precious metals, investments, offshore zones, and sanctioned countries. Automatic bank updates and adaptation: Banks and payment services must be ready for new standards and automatically integrate changes in their systems. Impact on users and businessFor regular users, this means greater transparency and security of financial operations, but also increased responsibility for correct details. In cases of disputed or suspicious transactions, users must be ready to confirm the legality of funds.For businesses, these innovations stimulate honest financial operations, as transparency and identification reduce opportunities for fraud and minimize financial crime risks. At the same time, regulatory oversight is expected to increase, and there may be additional documentation burdens. Practical advice Carefully check recipient details before making transfers; Keep confirmation of all financial operations; Avoid cooperation with dubious counterparties; In case of issues, contact the bank or regulator directly. ConclusionThe new card transfer rules from October 1, 2025, are an important step for Ukraine towards greater transparency in financial operations. They protect both banks and users from fraud, promote more effective financial oversight by the state, and create conditions for the development of a secure financial market. Author: Ihor Yasko, Managing Partner of “WINNER” Law Firm, PhD in Law. https://youtu.be/k2-1dq7hxcY?si=_MJPXm_zPGgoRbV5