Development of regulatory and legal support for the availability of financial services for the disabled of various nosologies

Abstract

The article deals with the development of regulatory and legal provision of accessibility of financial services for people with disabilities of various nosologies in the Russian Federation. The main normative acts regulating this sphere are analyzed, including Federal Law No. 181-FZ "On Social Protection of disabled persons in the Russian Federation" in the latest edition, taking into account the provisions of the UN Concept on the Rights of Persons with Disabilities, ratified by Russia back in 2012, as well as regulations of the Bank of Russia on the creation of a barrierfree environment to ensure the availability of financial services for disabled people, its recommendations on the availability of remote (digital) channels for consumers of financial services, including persons with disabilities and other low-mobility groups of the population, and the provision of financial products (services) to the population through remote (digital) channels, etc. In the course of the study of accessibility of financial services for the disabled, the author studied analytical reports, reports and reports on the status and indicators of financial accessibility for persons with disabilities, identified problems of ensuring an appropriate level of accessibility of financial services for this group of persons and formulated conclusions about the need for effective application and development of regulatory and legal provision of accessibility of financial services for persons with disabilities and persons with disabilities. with disabilities, which will contribute to the sustainable socio-economic development of Russia, in particular, due to its focus on creating a socially oriented and inclusive society.