О справедливом балансе интересов сторон в потребительском кредитовании
Fair balance of interests in consumer credits
In the article the provisions of new Russian Federation Federal Consumer Credits Act taken into force since 1st of July 2014 are analysed. Positives of the Act are underlined especially in the sphere of restriction of maximum level of interest and penalties. At the same time sometimes a new law doesn’t always provide fair balance between interests of creditor’s and borrower’s. Author offers more than 20 suggestions on the further improvement of his regulations. Appropriate adjustments to the provisions of the law will provide not only a proper balance, but also more effective redistribution and use of monetary savings in the economy and afterwards to be a base for international rules of consumer credits.