Поведенческий надзор Банка России в сфере защиты прав потребителей финансовых услуг

Вестник Российского университета дружбы народов. Серия: Юридические науки. 2020. Т. 24. № 2. С. 313–334.

Mikheeva I. V., Долкова Е. А.

The article is devoted to a new type of supervision of financial market participants – behavioral supervision of the Bank of Russia. Behavioral approach to the protection of financial services consumers’ rights is treated in the "zone of action" of the administrative-legal regulation mechanism. The author points to the public nature of the subject composition of its implementation (the Bank of Russia and the executive authorities); the possibility of using the judicial (consideration of citizens' appeals) and (as a result) jurisdictional (bringing the violators of the financial services consumers’ rights to administrative responsibility) procedural administrative and legal algorithms. 

Keywords: финансовые услуги, financial services, Банк России, защита прав потребителей, consumer protection, Bank of Russia, административно-правовое регулирование, контроль и надзор, state control and supervision, поведенческий надзор, Behavioral supervision, administrative and legal regulation, consumer risks, потребительские риски