Oeconomia et Jus, Journal Year: 2023, Volume and Issue: 4, P. 96 - 103
Published: Dec. 27, 2023
Today, in the Russian Federation, situations of violating rights and interests consumers financial services are quite often allowed, which negatively affects economic situation citizens undermines confidence banking system state. The purpose study is to analyze judicial practice develop recommendations for savings on providing borrowed (credit) funds, compliance with will significantly reduce risks arising from concluding executing bank deposit loan agreements. Materials methods. materials reports made International Confederation Consumer Societies state protecting market Russia were used. General specific methods used as research methods, including system-legal, logical, structural-functional ones others. Study results. Based analysis modern legislation, law enforcement authors have identified most typical violations consumer funds. Of particular interest cases related toughening requirements personal identification security operations context digitalization economy, cannot but affect traditional procedures processing withdrawing funds under a agreement. article analyses common legitimate during execution agreements issues that require regulation order avoid violation parties above-mentioned been studied. Recommendations also proposed when implementing protection consumers, was ultimate goal study. Conclusions. Realization citizens' constitutional right services, one hand, reveals acute obvious problems this area, other contributes optimization civil legislation. In digitalization, not sufficiently protected. However, solution problem should be comprehensive, since cybercrime associated mobile communications; therefore, they depend effectiveness control supervision area. It important provide preliminary structured information enables him realistically assess and, basis, make well-founded decision about opening or managing an account.
Language: Английский