Гуманитарные и юридические исследования (Sep 2021)
THE BRITISH EXPERIENCE IN PROTECTION OF THE RIGHTS OF FINANCIAL SERVICES CONSUMERS AND THE PROSPECTS OF ITS APPLICATION IN RUSSIAN PRACTICE
Abstract
The relevance of the research topic is due to the need for careful study and analysis of the problems faced by consumers of financial services in the protection of their rights. In science and practice, the question of the effectiveness of the legislation in the field of financial consumer protection, the effectiveness of the current protection mechanism, which has been formed to date in Russia, has been repeatedly discussed. Given the fact that Russia later than many foreign countries started to solve the problems of protection of the rights of consumers of financial services should apply to the development and implementation of the most progressive foreign practice in this sphere. In support of the usefulness of the study of foreign experience, it is appropriate to cite the words of the French lawyer Marc Ansel, who noted that "foreign experience opens up new horizons for a lawyer, allows him to better know the law of his country, because the speciic features of this right are particularly clearly identiied in comparison with other systems. Comparison can equip a lawyer with ideas and arguments that can not be obtained even with a very good knowledge of only their own law" [1]. The study of international and foreign experience in the protection of the rights of consumers of financial services is of great importance because Russian legislation and practice in this area are not without shortcomings and gaps; they still need to be improved. The novelty of the work lies in the fact that the author introduced into scientiic circulation the provisions of the reports made by international experts in the ield of consumer protection during the meeting of the Final round table on "Measures to strengthen the mechanisms of interaction of public authorities, regulators of the inancial market and public organizations in the ield of consumer protection of inancial services" on September 27, 2018 in Moscow. In addition, a comparative analysis has been carried out as regards the experience of the Uk and Russia in the legislation and practice of its implementation by authorized structures. Proposals on the prospects of introducing the British experience into Russian practice are formulated.
