О необходимости внедрения регуляторной концепции open-end credits в России для защиты прав заемщиков по возобновляемым кредитным линиям, включая кредитные карты

Банковское право. 2022. № 4. С. 35–43.

Molodyko K.

The Federal Law "On Consumer Credit (Loan)" is rather highly focused on loans that are used by the borrower once (installation loans in Western terminology). At the same time, it does not provide an adequate level of protection to borrowers on revolving credit lines (open-end loans in Western terminology) from arbitrary reduction of their credit limit or even complete closure of the credit card. The article proposes a new balanced approach to the settlement of this problem, which should take into account the interests of both creditors and borrowers. In particular, it is proposed to provide for a guaranteed credit limit on the card, the grounds on which it can be reduced, the procedure for revaluation of the borrower's situation, a transition period for bona fide borrowers in case the bank decided to completely close their credit card. At the same time, the introduction of similar protective mechanisms for credit lines of individual entrepreneurs and small business enterprises should not be excluded.

Keywords: consumer protection in financial services, защита прав потребителей финансовых услуг, revolving credit line, reduction of the credit limit, termination of the loan agreement, reasonable judgment of the lender, возобновляемая кредитная линия, уменьшение кредитного лимита, расторжение кредитного договора, разумное суждение кредитора