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

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-       ( ),   

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

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

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

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

:

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

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

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

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

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

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

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

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

;

-       

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

;

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

 () ;

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

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

        

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

      

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

,   ,     ,   

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

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

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

 <1>.    

: 

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

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

,       <2>. 

, , .

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<1> .:      31  2009 . N

15340/08.

<2> .:      31  2009 . N

15275/08.

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

     . 14.3.

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

,  <1>.

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<1> .: . 1 7  2004 . N 189

   "; . 1.3 

 (

9  2007 . N 105 "   

").

      

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

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

. , ,

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

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

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

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

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

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

.

3. 

      

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

  ( ,  ,  

     .).  ,   

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

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

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

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

       

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

.

      

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

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

:

- ;

- .

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

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

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

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

.

      

  N 2002/65/EC   

 .    . 3   

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

:

1)  (, 

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

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

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

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

);

2) , :

- ;

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

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

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

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

;

-      ,   

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

;

-   ,       ,

;

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

- ;

- , 

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

3) , :

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

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

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

;

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

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

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

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

;

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

;

4) , :

-       ( 

);

-    ()  

.

       

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

.

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

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

        14

 (30     )   

 cooling-off period - ). ,  

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

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

.

       

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

  .    ,    ,

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

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

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

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

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

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

  .     

 <1>.

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

<1> .: Federal Trade Commission. 16 CFR Part 310 Telemarketing Sales

Rule; Final Rule // http://www.ftc.gov/os/2003/01/tsrfrn.pdf.

4. 

 . 9  10       

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

 (, )".  . 4,  

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

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

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

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

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

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

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

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

 . 30 . 6

.

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

  ,        ,

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

.   ,    . 5 . 6   

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

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

".

     

 . 35.1

  .   

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

:

-     ,  

  ( ), 

;

- ;

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

;

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

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

;

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

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

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

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

;

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

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

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

;

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

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

;

-     ,    ,

;

-   ,   

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

;

-    ,     ,

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

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

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

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

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

;

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

.

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

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

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

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

.

 . 35.2      

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

.

§ 4. 



1. , 

     

 "" 

.    . III  

 - 3% 

. , , . III 

.

     1998 .   ,   

,  . I,  . 6

. 13          

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

        

,        ,  

       

    <1>. , ,  

.

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<1> .:     23  2009 . 

 N 44-0014/2009.

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

,  <1>.

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<1>    .     16

 2006 .  N 33-1786.

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

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

 .     ,  

  ,     

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

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

.

,  ,        

,  "" (. 1

. 100).  ""  7

- 10 . .    "  

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

 <1>.

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<1> ., :  20  2006 . 

N 33-2022.

      ,

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

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

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

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

  <1>.

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<1> .:      17  2007 . N

382-.

 ,    ,  

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

, -         

 . 395. 

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

.

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

2. 

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

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

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

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

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

N 2005/29/EC  11  2005 .

 ( -

"business-to-consumer commercial practices"), . " 

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

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

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

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

,  ""  ""    

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

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

.

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

".       ,

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

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

 <1>.

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

<1> .: Howells G., Micklitz H., Wilhelmsson T. European Fair Trading Law:

The Unfair Commercial Practices Directive. Ashgate Publishing, 2006. P. 54.

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

   .    

:

- ;

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

) .

 . "h" . 2   

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

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

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

   ,    

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

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

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

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

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

:

- , ;

- .

 ,    , 

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

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

1)       

;

2)        

;

3) , 

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

.

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

       ,

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

     ,    

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

    .   

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

 ,   

.

       

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

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

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

,  () 

, ""    , 

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

  .   , ,  

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

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

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

.

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

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

    " " ( 

 "average consumer") <1>.    

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

 .     

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

,    " <2>. 

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

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

 <3>.

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

<1> .: The Yearbook of Consumer Law 2007 / Ed. by G. Howells. Ashgate

Publishing, 2006. P. 168 - 170.

<2> Case C-210/96, Gut Springenheide GmbH and Rudolf Tusky v.

Oberkreisdirektor des Kreises Steinfurt - Amt fur Lebensmitteliiberwachung //

European Court Reports. 1998. P. I-04657.

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

<3> .: Incardona R., Poncibo C. The Average Consumer, the Unfair

Commercial Practices Directive, and the Cognitive Revolution // Journal of

Consumer Policy. 2007. Vol. 30. P. 30.

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

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

.



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

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

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

, : "...     

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

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

.       "",

          

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

     " <1>. ,  

.

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

<1> Hondius E. The Notion of Consumer: European Union versus Member

States // Sydney Law Review. 2006. Vol. 28. No. 1. P. 94.

3. 

      

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

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

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

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

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

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

, 

.

, 

, .

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

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

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

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

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

     .   

.

 ,  , 

      .

,       2008 . 19 

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

 109 ,  86 

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

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

<1>.        

.

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

<1> .:   30  2004 . N 322 "

         

" // . 2004. N 28. . 2899.

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

  .   ,  ,  

 ,     

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

 FIN-NET - 

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

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

. 

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

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

35  ,     

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

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

N 98/257 1998 . , .  FIN-NET

, .

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

 .    ,   

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

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

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

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

,  <1>.

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<1> Alternative Dispute Resolution in the Area of Financial Services.

Consultation Document MARKT/H3/JS D (2008). http:// ec.europa.eu/

internal_market/ consultations/ docs/ adr/ adr_consultation_en.pdf.

      .

     

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

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

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

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

 . 

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

 . 3 . 5    24  2002 . N 102- "

" : "

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

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

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

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

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