Сurrent problems of protection of consumer rights when giving a loan and its insurance

Abstract

This article is devoted to the analysis of current legislation and its application in the field of consumer protection in consumer lending and its insurance coverage. The author considers the questions publicly-legal protection, including, analyzes the powers of the Central Bank of the Russian Federation, Rospotrebnadzor of the Russian  Federation, the Financial Ombudsman of the Russian Federation and concludes that despite the fairly extensive scope of their rights in the field of consumer protection, they, in practice, be insufficient for proper legal protection for stakeholders. In addition, the author touches on topical issues of judicial practice in the field of private legal  protection of consumer rights, including the compliance of the instructions developed by the Supreme court of the Russian Federation on the application of current legislation to the interests of consumer protection. The issue of applying the principle of estoppel in disputes involving consumers in this category of disputes is highlighted  separately.