Abstract
In this article, a study of judicial practice on disputes arising from the conclusion of option contracts with consumers, imposed in lending, is carried out. The use of the option contract structure in relations with citizens when they use financial services for personal needs is unjustified, obviously losing for consumers. It is concluded that it is necessary to universally recognize such agreements as contracts for the provision of paid services with the right of a citizen to refuse, as well as the impossibility of limiting the operation of the law “On Consumer Rights Protection” from the sphere of consumer relations in the case of using the construction of an option contract.
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