О мерах противодействия незаконному осуществлению деятельности по предоставлению потребительских кредитов (займов)

Abstract

We conduct a detailed analysis of the current legislation regulating the suppression of illegal activities in the financial market. Particular attention is paid to the provisions of Article 1715 of the Criminal Code of the Russian Federation. Among other things, this study shows in most detail the invaluable role of the Central Bank of Russia as a regulator of law enforcement activities, namely in the issue of suppressing the illegal activities of banks and non-banking credit organizations in the financial market, the trend of its further activities in this legal aspect. We substantiate the debatable, actively discussed opinion in the legal community, which states that the lack of an exhaustive list of non-banking financial institutions that are entitled to issue a consumer loan complicates the work of law enforcement agencies to identify entities that do not have the authority to carry out such activities. It is also worth noting separately that the work below provides the author's arguments in support of the introduction of a qualitatively new article 1715 of the Criminal Code of the Russian Federation. Among other things, this study proposes options for further legal regulation of countering the illegal implementation of activities for the provision of consumer credits (loans), supported by references to the current regulatory legal acts.