Финансовый уполномоченный vs финансовый омбудсмен: об эффективности институтов защиты прав потребителей финансовых услуг
The article considers the fundamentals of a newly established office of the Financial Attorney for the Rights of the Consumers of Financial Services (Federal Law of June 4, 2018 No. 233-FZ). The analysis is conducted in the light of comparison of the Financial Attorney with the fundamentals of the offices of financial ombudsmen widely used for consumer protection in the financial markets in many countries. Considering from comparative legal perspectives the basic features of these two offices, the author comes to a conclusion that the Financial Attorney in the Russian Federation — in the way established by the Federal Law — will not be able to perform the role comparable to the role of the financial ombudsmen in European jurisdictions. Therefore, the legal regulation of the bank-customer relations in Russia is still having the substantial gap which theoretically might be filled in if the financial ombudsmen get legal recognition from Russian banking associations.