Abstract
From 01.01.2020, Federal law No. 259-FZ of 02.08.2019 “About raising investments on the investment platforms and on amendments to certain legislative acts of the Russian Federation” came into force, which became the first step in the formation of the legal regime of crowdfunding and the inclusion of a parallel system of financial (non-Bank) mediation in the sphere of supervision of the Central Bank of the Russian Federation. The article analyzes the relationship of Law No. 259-FZ with other legal acts, the scope of regulation of which it affected and the direction of making subsequent changes to them. In addition to the need to include in the legal field of P2P lending, which is one of the types of crowdfunding excluded from the scope of Law No. 259-FZ, it was noted that it is expedient to resolve the issue that the legislation on consumer protection does not apply to relations in which individuals participate as investors, as well as to expand the scope of credit histories to other ways of attracting investment in addition to issuing loans.
Highlights
01.01.2020 вступил в силу Федеральный закон от 02.08.2019 No 259‐ФЗ «О привлечении инвестиций с использованием инвестиционных платформ и о внесении изменений в отдельные законодательные акты Российской Федерации»7, регулирующий вопросы коммерческого краудфандинга, уже фактически функционирующего в России[8] на протяжении нескольких лет
From 01.01.2020, Federal law No 259-FZ of 02.08.2019 “About raising investments on the investment platforms and on amendments to certain legislative acts of the Russian Federation” came into force, which became the first step in the formation of the legal regime of crowdfunding and the inclusion of a parallel system of financial mediation in the sphere of supervision of the Central Bank of the Russian Federation
In addition to the need to include in the legal field of P2P lending, which is one of the types of crowdfunding excluded from the scope of Law No 259-FZ, it was noted that it is expedient to resolve the issue that the legislation on consumer protection does not apply to relations in which individuals participate as investors, as well as to expand the scope of credit histories to other ways of attracting investment in addition to issuing loans
Summary
01.01.2020 вступил в силу Федеральный закон от 02.08.2019 No 259‐ФЗ «О привлечении инвестиций с использованием инвестиционных платформ и о внесении изменений в отдельные законодательные акты Российской Федерации»7 (далее — Закон о привлечении инвестиций, Закон No 259‐ФЗ), регулирующий вопросы коммерческого краудфандинга, уже фактически функционирующего в России[8] на протяжении нескольких лет. Помимо необходимости включения в правовое поле P2P кредитования[2], являющегося одним из видов краудфандинга, исключенного из сферы действия Закона No 259‐ФЗ, отмечена целесообразность разрешения вопроса о том, что законодательство о защите прав потребителей не распространяется на отношения, в которых физические лица участвуют в качестве инвесторов, а также расширения сферы действия кредитных историй на иные способы привлечения инвестиций помимо выдачи займов.
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