Фогельсон Ю.Б., Ефремова М.Д. Защита прав потребителей финансовых услуг

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,        

..." <1>.

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<1>  26  2009 . N 33-

2325/2009.

       

 .

 ,  ,  , 

     ()  

,  . 32

, .  <1>.

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<1> , 

: "

 32     

      

   .    (

 . - .)    ,

 ,    "

( 20  2010 . 

N 58-6498/09).

       .   ,





, . .

 - :

-       

          ,

,  <1>;

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<1> .:     7  2009 . N -8274/09 

 N 50-17244/2008,  11  2009 . N 2136/09 N 04-3022/08-

24/111;      23  2008 . N

03-04/08-2/243,  11  2008 . N 03-04/07-2/6096.

-          

, 



. 2 . 16     ,    

    (, ) 

 (, ) <1>;

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<1> .:  9  2009

. N 04-2107/2009(4217-70-43), 04-2107/2009(4218-70-43); 

   3  2008 . N 09-6296/08-1,  27 

2008 . N 09-1930/08-1,  13  2006 . N 09-11016/06-1.

  15 

2009 . N -7751/09  N 70-7444/22-2008.

- 

 <1>.

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<1> .:  21  2008

.  N 56-6857/2008.

       

:

-  - 

 <1>;

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<1> .:  28  2008 . N

400/3309-08.

-           

       ,  

 <1>;

--------------------------------

<1> .:  27  2008 . N

41/10745-08  N 41-12747/08.

- 

 . 2 . 16 <1>.

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<1> .:  16  2008 . 

 N 39-4788/2007;      8 

2009 . N 09-1959/09-1.

   :     

, 

.     26  2005 .   N

/7235    N 77- "    

   ",   

           

.



 <1>.

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<1> .:  16  2008 . 

 N 39-4788/2007;      21 

2008 . N 09-1803/08-1   N 60-29973/07;  

 12  2008 .  N 23-3066/07-3-201.

     , 

       

    -     

.

 : PRESSI ( HERSON )



         

 ,       

  17  2009 . N 8274/09,  

 <1>.

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<1> .:     21  2009 . N -7171/09 

 N 40-10023/08;      15 

2010 .  N 65-12170/2009.

      

, :

-        

 ,      . 16

 <1>;

--------------------------------

<1> , 

       

.

-    . 5.1  N 254-,  

   ,      

     ,  

, 

 <1>;

--------------------------------

<1>     1  2007 . N 78- "   5.1

    26  2004  N 254- " 

       

,       "   

 .     ""   

".

-  

 13  2008 . N 2008- "

-     ",   

;

-          

 ,       

.

 () . ,

       (, ) 

  ,    

.

   ,      :

       

, 

 <1>.

--------------------------------

<1> .:  14  2008

. N 33-12575/07-02-1933/08; 

 23  2008 . N 03-04/08-2/243;   

  13  2006 . N 09-11016/06-1;  

 23  2009 .  N 78-7046/08.

 ,  , -    

     ,   ,  , 

,  <1>.

--------------------------------

<1> .:      23  2009 . N

40/1993-09.

  ,  ,   , 

     

,    ( ) 

.

:

      

     ,  ,

  ,   ,    

, .

      

   ,  



, .

, , 

         

        -

..." <1>.

--------------------------------

<1>      9  2009 . N 09-

9904/09-1  N 47-3117/2009.

        

.

  ,     

,     . 2 . 810  . , 

   :        

, 

         . ,

,   ,     ,

   : ,      

   .  

 <1>.

--------------------------------

<1>   ,    

  N 162078-5

     810    

 : PRESSI ( HERSON )

 " (,   

      6  2009 .), 

   ()  - 

   ,        

.

. 

       

? .

    ,    

, 

    ,      

        

  : "...    5.1,  

       

       , 

  ,       

.

     ,    5.1 

      

, ..." <1>.

--------------------------------

<1>  14  2008 . N

33-12575/07-02-1933/08.

 ,     

      ,  

 <1> .

--------------------------------

<1> .:      9  2009 . N

09-9904/09-1 N 47-3117/2009,  3  2009 . N 09-9694/09-

1 N 50-16981/2009.

,       

,  <1>, 

,       

, . .

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<1> .:  24  2007

.  N 05-3518/2007.

     ,    

    ,

   ,     

 () <1>.

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<1> .:  1  2009 . N

40/8283-09  N 40-74607/08-92-611. 

 ,        

, 

 .

      (  

   )      

   <1>.  ,    

        , 

 <2>.

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<1> .:   8  2009

.  N 33-1809.

<2> .:     21  2009 . N -7171/09 

 N 40-10023/08.

    ,  ,  

      , 

      , 

  23  1999 . N 4-.

      

      

, 

 (),      

 <1>.

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<1> .:  15  2010 . N

09-461/10-1  N 50-29498/2009.

 ,     

.

   15  2010 . N 11-   . 29  

     ,    

 ,   , 

      (  ,

):

- ;

-  () ;

- .

 ,  ,   

,    . 168    

.

       ,

  ,    

: .

      

 .     

  ,    

, .

      ,

   (. 2 . 935

 : PRESSI ( HERSON )

 ) <1>.  ,      

 - , 

      , 

 <2>.

--------------------------------

<1> .:  22  2010

. N 03-8374/2009   N 04-5826/2009,  12  2009 . N 03-

1875/2009 N 04-8045/2008,  18  2008 . N 03-04/08-2/3345

  N 04-2229/08-5/108,  25  2007 . N 03-04/07-2/4432 

 N 04-1931/07-5/109;      29

 2009 . N 09-7322/09-1   N 07-6269/2009; 

     15  2009 .   N

43-28456/2008-9-279.

       

:      25  2007 . N

03-04/07-2/4432  N 04-1931/07-5/109.

<2> .:  2  2009 . 

 N 48-2322/08-18; 

  2  2008 . N 33-15226/2007-03-352/2008   N 33-

15226/2007.

       

   , 

,  . 2 . 16

 <1>.

--------------------------------

<1> .:  14  2010

.   N 56-29841/2009;  9

 2009 . N 09-9904/09-1   N 47-3117/2009; 

 16  2009 .  N 48-3851/2009.

-

 : "...    

...      



" <1>.

--------------------------------

<1>    4  2009 .

N 04-4741/2009(12361-75-32)   N 75-479/2009. . :

      6

 2009 . N 18-7311/2009   N 76-5341/2009; 

  3  2009 .  N 60-

8313/2009-9.       

 "".



: "      

       ,  

   ,  

,        

, " <1> 

       

.

--------------------------------

<1>  3  2009 . N -

40/5866-09  N 40-10870/09-106-70.

,       ,

       

 (), ,

 . 2 . 16    .    

 . 2 . 935, 

.

 , 

       

:

-   ,       

;

-  ,      

.

, 

" ,  ,  

, .

, , 

      ,

. , 

.

     ,    (   

     )

    ,    

    .     

        .

    ad hoc ,  ,    , 

.

 5. 

     

, , , 

",      

.       

  -  -    (). ,

       , 

        - 

, 

. , "" 

  .      

.

 : PRESSI ( HERSON )

§ 1. 

1. 

. 

        

 : " ,    

  ".      

, 

 2007 - 2013 . <1>. ,  2005 ., 

        - 

   : " 

,      

, " <2>.

--------------------------------

<1> Communication from the Commission to the Council, the European

Parliament and the European Economic and Social Committee "EU Consumer Policy

Strategy 2007 - 2013" // Commission of the European Communities. 13.03.2007.

COM(2007) 99 final.

<2> Consumer Protection in the European Union: Ten Basic Principles.

Brussels: Directorate-General for Health and Consumer Protection, 2005. P. 2.

     : http:// europa.eu.int/ comm/ consumers/

cons_info/ 10principles_en.htm.

,    ,   

    .    

 "" (consumer welfare), 

, . 

  ,   

 "" 

   .   

         

. .

,    

   ,     

      .  

. 

      :

,  <1>.

--------------------------------

<1> .: Reich N. Op. cit. P. 257.

 .   

 1950 - 1960- . ,     ,



  .      

  " <1>. ,  , 



   <2>.     

      

. 

,        

, .

--------------------------------

<1> Ibid. P. 259.

<2> ,    . ,  

 (, .), 

       

. .: Reich N. Op. cit. P. 259 - 260.

 , .   " ",  

, :

-         (

 ),      

;

- ;

-       ( 

);

-         

;

-  ,    ,  , 

 <1>.

--------------------------------

<1> .: Consumer Protection in Financial Services / Ed. by P. Cartwright. The

Hague; L.; Boston, 1999. P. 8.

 ,      

      "homo

economicus" - , .

 .    (1970- .)

     

,         

.       

, 

. , "

  ,   "homo economicus"  

,     ... 



, ...  , 

" <1>.      

 (, 

),        

, .

--------------------------------

<1> Reisch L.A. Principles and Visions of a New Consumer Policy: Discussion

paper. Stuttgart-Hohenheim; Berlin, 2003. P. 13.

 : PRESSI ( HERSON )