Уполномоченные субъекты в сфере защиты прав потребителей финансовых услуг в Российской Федерации (на примере Банка России и Роспотребнадзора)

Abstract

Purpose. The Bank of Russia and Rospotrebnadzor are vested with powers to protect the rights of consumers of financial services, while from the standpoint of current legislation, the functions of the Bank of Russia include regulation, control and supervision in the financial market, including the protection of the rights of consumers of financial services, with the exception of consumers of banking services, The powers of Rospotrebnadzor are to ensure the protection of consumer rights, among which consumers of financial services occupy a special place. The commonality of functions and powers of these entities dictates the need to analyze the areas of their activities and delineate competencies in the field of protecting the rights of consumers of financial services. Methodology: general scientific methods (analysis, synthesis, description), as well as specific scientific methods (formal legal and comparative legal). Conclusions. A number of functions of the Bank of Russia and Rospotrebnadzor are actually “duplicated”, which reduces the efficiency of work and the achievement of positive results in the field of protecting the rights of consumers of financial services; These entities are not exclusively engaged in protecting the rights of consumers of financial services, despite the fact that this category of consumers requires different protection from other consumers. Scientific and practical significance. The article presents an analysis of the activities of the Bank of Russia and Rospotrebnadzor in the field of protecting the rights of consumers of financial services, taking into account the delimitation and actual “doubling” of the powers of these entities in the characterized area