The article deals with issues of responsibility of the state, which can be considered effective only if it promotes development, for the improving and upgrading conflict resolution processes in its internal space. This is illustrated by the need to institutionalize new forms of social engagement in the innovative formatting of common behaviors, such as credit, which is related to meeting needs. It is noted that it is credit behavior that creates a new plane of social insecurity, thus emphasizing the importance of mediation, as well as the need for a sociological approach in developing this concept. The authors emphasize that mediation is in demand as a social support, consultation, literally from the first steps of credit activity.Particular attention is paid to substantiating the need for institutionalization of mediation as a decisive factor in conflict assimilation by different subjects of social practice (individuals, in particular) of new forms of social interactions – on the example of credit behavior, as well as an emphasis on the importance of the developing state.The article states that the institutionalization of mediation will help build confidence in our society and consider the state as the main mediator.The contradictory nature of the information space is filled with proposals for the provision of mediation services and the absence of a Mediation Act. There is a limited approach to mediation as a set of procedures and techniques. Emphasis is placed on the importance of state training for specialists in mediation and conflictology, as representatives of sociological science.The authors note that the development of mediation, as one of the ways of implementing the theory of social contract in its modern form, involves the development of practical competencies in the systematic form of state education.