Институт финансового уполномоченного как механизм разрешения споров на финансовом рынке

Abstract

The article is devoted to the specifics of the activities of the Institute of financial commissioner in the aspect of dispute resolution in the financial market. The author analyzes statistical data reflecting quantitative indicators of consideration by the financial commissioner of consumer complaints against financial organizations in the context of individual segments of the financial market (insurance, consumer lending, microfinance, pawnshops and non-governmental pension funds). Indicators characterizing the institution of the financial commissioner as an effective mechanism for resolving disputes between consumers and financial organizations, capable of improving the efficiency of functioning of various segments of the financial market, are given. Particular atten-tion is paid to the issues of further development of the institution of the financial commissioner by expanding its competence in the consumer credit and securities markets. In this direction the possibility of empowering the financial commissioner with powers in the field of mediation, to consider the claims of credit institutions to citi-zens, guarantors of borrowers to credit institutions, retail investors to brokers is analyzed.