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

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  " ", "

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

 ,      

?

   , ,    -  - ,

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

      .  

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

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

 "

" (Pennsylvania Unfair Trade Practices and Consumer Protection

Law).      ,   

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

. 

 ,    .  201-9.2  

  " ,      

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

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

..." <1>.

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

<1> Pennsylvania Unfair Trade Practices and Consumer Protection Law. 73 P.

S. § 201-1 - 201-9.3 // http:// www.attorneygeneral.gov/ uploadedFiles.

       

   (Denison v. Kelly) <1>.   

, ,

     .  ,  

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

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

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

      " 

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

 ,     .  ,   

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

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

, : "

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

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

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

. - .)".

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

<1> Denison v. Kelly, 759 F. Supp. 199 (1991) - US: Dist. Court, MD // http://

scholar.google.com/ scholar_case?q= %22Denison+ v.+ Kelly%22&hl= en&as_sdt=

400002&case= 14616084240777481133.

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

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

 ,      

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

: "...

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

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

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

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

,  (§ 201-9.3) 

.

    ,     

  , ,   ,

     . ,  

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

      " 

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

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

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

.   ).     

. , 

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

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

    ,     

.  <1>.

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

<1> Fox v. Industrial Casualty Insurance Co., 424 NE 2d 839 (1981) - Illinois

App. Court // http:// scholar.google.com/ scholar_case?case=

10026755476731345206&q= McCarter&hl= en&as_sdt= 400004.

      

 <1>,  <2> .

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

<1>          

".

<2> .: Hagan D. Illinois Consumer Protection Law. Springfield, 2008. P. 1 -

 ()  .  

  ,   

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

",    ",  

 ".     

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

 (Cashmere

Valley Bank v. Brender),    

 <1>.      ,   

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

.

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<1> Cashmere Valley Bank v. Brender. 128 Wash. App. 497, 116 P. 3d 421

(2005) // http:// scholar.google.com/ scholar_case?case=

14597132978105817045&hl= en&as_sdt= 400003. 

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

: Cashmere Valley Bank

v. Brender, 146 P. 3d 928 (2006) // http:// scholar.google.com/ scholar_case?case=

12980706108562533809&hl= en&as_sdt= 400003#[5].

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

 (quantitative approach). ,

 (Bokros v. Associates Finance, Inc.).

 17 . . 

.   8 . .      

,  (),  9 . . - 

   .     

 ,      " 

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

    ". , 

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

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

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

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

    <1>.  ,  

.

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

<1> Bokros v. Associates Finance, Inc. 607 F. Supp. 869 (1984) // http://

scholar.google.com/ scholar_case?case= 5127390093704002351&q= Bokros+ v.+

Associates+ Finance&hl= en&as_sdt= 400003#[1].

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

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

   (original purpose approach).   

         

 (Toy National Bank of Sioux City v. McGarr).

   ,      

   .     

:       

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

 .       

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

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

,     . ,

     , . 

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

). 

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

), 

 "".

  ,    ,  

   ,  . 

 ,       ,

 ,   "    

 ", , ,    

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

   ", ,  ":

". 

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

 ""  "",     ,

  ,  ,  . ,  

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

?

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

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

,     . , 

   , : "  

    ("   

". - . )     

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

 .    

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

  ,    

". , 

,      ,  

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

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

     .  

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

     

 - . 

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

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

.  <1>.

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

<1> Toy Nat. Bank of Sioux City v. McGarr. 286 NW 2d 376 (1979). Iowa //

http:// scholar.google.com/ scholar_case?case= 7489539577958448331&hl=

en&as_sdt=400003.

,  ,    , 

 "  " (all circumstances test).  

,  ,      (Conrad v. Smith),

.

    .   ,    

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

 .      

 .      ,

. 

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

 ,      .

.

, 

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

        "   

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

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

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

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

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

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

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

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

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

      "

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

. ,    

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

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

 <1>.

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

<1> Conrad v. Smith, 712 P. 2d 866. Wash: Court of Appeals, Div. 3 (1986) //

http:// scholar.google.com/ scholar_case?case= 2782527991490692097&hl=

en&as_sdt= 400003#[1].

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

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

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

 <1>.

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

<1>           

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

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

 (, 

    ).     

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

: Rohner R.J., Miller F.H. Truth in Lending. Chicago, 2000. P.

38 - 49; Creditors' Rights in Illinois / Ed. by R.G. Markoff. Springfield, 2009. P. 7-13

- 7-15.

§ 3. 

 ""

 .   "",

     ,   

.         -

  .        

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

, . ,

         

 ,       ,  

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

 1990- .        , 

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

  ,  .   ,  

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

? ,  () 

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

  .    ,   

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

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

 <1>. , , 

  (  )   ""

 .      ,  ,

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

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

     -  ,  . 

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

 - "". 

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

,      .  ,

:

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

<1>     ,  

 . 9 "

     ",   

.

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

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

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

 . 

 "" ;

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

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

" .

  , ,   , , 

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

 () 

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

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

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

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

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

.

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

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

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

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

,  . 

.

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

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

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

        

.       

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

.  ,    "" 

  ,        ,

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

 .     

   , ,   ,

.

 III. 

 6. 



      ,  

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

   , .  

     

 .      

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

 .      

 . 7.

        

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

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

. , ,

         

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

. , , 

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

, , 

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

   ,  ,    

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

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

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

.

§ 1. . 

1. 

      ,   

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

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

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

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

.

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<1> .: Cheshire H. Fifoot D. The Law of Contract / 11th ed. by Furmston.

1986. P. 28f.

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

 <1>, ,

  ,       

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

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

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

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

.

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<1> .: Fuller L.L. and Perdue W.R. Jr. Reliance Interest in Contract Damages

// Yale Law Journal. Vol. 46. P. 52 - 96, 373 - 420, 1936 - 1937. 

: http:// www.cisg.law.pace.edu/ cisg/ biblio/ fuller.html.

         - . 

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

, ,  <1>. 

,   ,       

      ,    

.

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<1> .:  . . ,   .

      .

., 2006.

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

 , . ,   ,   

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

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

   ,     

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

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

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

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

, .

:

-        

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

 (. 302);

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

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

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

,        ,

  ,        ( N

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

93/13/EEC  5  1993 ., § 308, 309 

<1>);

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

<1> .:    / .  .; . .

. ., 2004.

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

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

 (. 74 <1>).

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<1> .:   "   

" ( 11  1980 .) // . 1994. N 1.

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

    ,   .

, ", " <1>.

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<1> . 

 // . ., 1916. N 6. . 81.

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

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

 "",  1978 . .

 <1>.

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<1> .: . 

 // . ., 1995. . 54

- 72.

2. 

  .   

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

:

- , ;  

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

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

;

-   ;    

   ,       -

,  " -  ,     , 

,  - ", " - 

;

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

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

       ""

. : 

: , , , . 

 - . , . 

    ,    -   ,   

  ,    -  .       ,

,  ,      ,   

;

- ""   ;    

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

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

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

 <1>.

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

<1>      :  .,  .,

 .   : , ,

, . ., 2006.

, .

1. ,      .

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

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

(. 31).

     2003 .   2009 .  

12% 

       

 .    ,     

.

       

  : http://www.pfrf.ru.      

      ,   

    . ,   , 

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

,  

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

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

.

2. . 

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

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

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

.

        

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

.  ,       

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

.       ,   

. 

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

    ,   

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

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

.

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