Статья 'Современные модели правового регулирования потребительского кредитования' - журнал 'Юридические исследования' - NotaBene.ru
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Legal Studies
Reference:

Modern models of consumer lending legal regulation

Vagonova Anna Sergeevna

Postgraduate at the Department of Banking of the Kutafin Moscow State University of Law

127224, Russia, pr-d Shokal'skogo, 65, building 1

annavagonova@rambler.ru

DOI:

10.7256/2409-7136.2016.7.19526

Review date:

20-06-2016


Publish date:

13-07-2016


Abstract.

The author examines three dominant models of consumer lending legal regulation: paternalism, neoliberalism and consumerism. The article analyzes their main provisions and identifies their features based on the of comparison of the instruments of legal regulation of contractual relations, the availability of means of protection of the rights of a consumer-borrower, the observance of the principle of freedom of contract, the operational impact measures and the liability for the violation of rights of a consumer-borrower. The study is based on the comparative-legal and historical methods, which help identify the differences between the models. The author outlines the peculiarities of paternalism, neoliberalism and consumerism related to the interrelations between the parts of consumer lending agreements, which are reflected in the legislative consolidation of special provisions aimed at the protection of rights of borrowers.The author concludes about the compliance of the Russian legislation on consumer credit (loan) with the paternalistic model of legal regulation.

Keywords: access to credit, effective interest rate, models of legal regulation, consumerism, neoliberalism, paternalism, consumer credit, contractual freedom restriction, borrower's awareness, borrowers' rights protection
This article written in Russian. You can find full text of article in Russian here .

References
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Puginskii B.I. Grazhdansko-pravovye sredstva v khozyaistvennykh otnosheniyakh. M.: Yurid. lit., 1984. S. 65.
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Nekrasov A.I. Printsipy pravovogo regulirovaniya politiki
Evropeiskogo Soyuzav oblasti finansovykh uslug // Mezhdunarodnoe pravo i mezhdunarodnye organizatsii / International Law and International Organizations. 2011. № 3. C. 69 - 87.
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