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

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 ,   . 6 . 34.1   

, ,  . 7 - 13 , 

  .    

,  <1>.

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<1> .:  3  2009 . N 09-6/ // . 2009.

N 19.

   .   

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

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

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

.

:

- ;

-  - , 

;

-   -      :

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

.

 . 3, 

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

. 75, 83, 103,  . 1.

     ,    

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

  .  ,  , " 

   " (. 2     <1>).

,     ,    

. 

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

 .      ,  

, .

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<1> .  30  2004 . N 330 // 

. 2004. N 28. . 2904.

   . 25       

 ,   <1>.

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

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

     <2>.   

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

         

.

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. 

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

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

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

.

-

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

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

  2005  2006 .,   2007 .  .  

.

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

.

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

        

 ,  .     24

 2007 . N 198- "    2008    

 2009  2010 "   ,  

  .  2008 .     201,5

. .,  - 903,6 . ., , 

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

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

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

 . 56

, :

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

- .

 . 30

. :

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

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

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

;

- .

       

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

   ,  

 <1>. 

 ,     ; ,   

  .      2006 .

<2> :

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<1> .:    9  2004 . N 206 (

. 2004. N 16. . 1564)  30  2004 . N 317 (. 2004. N 27. .

2780).

<2> .: http://www.fcsm.ru/catalog.asp?ob_no=43083.

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

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

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

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

 <1>.

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

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<1>  "" - .

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

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

  ,    

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

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

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

    ,  . 11, 14  

, 

      . 

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

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

     -     .  

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

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

.  , 

, , 

,   ,      

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

   ,      

 <1>.

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

<1> .: . 

.  // 

. 2009. N 1.

2. 

, 

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

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

, .

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

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

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

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

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

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

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

    ().  

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

       

 . 14.8. 

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

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

    .     

.

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

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

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

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

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

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

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

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

,  "".

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

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

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

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

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

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

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

 .  § 1  3 . 3     , 

.

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

.  - 

  : "   

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

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

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

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

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

 .     

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

      .   

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

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

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

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

,      .  

 (

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

" <1>.

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 7.  ()

 <1>

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<1>       

      ",

. .

§ 1.  () 

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

  ,   

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

  -      

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

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

 ,      

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

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

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

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

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

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

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

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

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

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

     , 

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

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

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

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

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

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

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

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

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

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

.

       

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

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

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

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

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

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

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

      

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

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

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

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

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

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

   (       

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

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

).

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

 ,     

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

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

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

 <1>.

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

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

. 

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

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

 .     <1>,  

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

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

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

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

     .     

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

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

 <2>.

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<1> Ibid.

<2>  1933 .

  1998 .   -     

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

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

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

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

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

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

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

   (  

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

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

,  <1>.

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

, 

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

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

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

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

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

.

       . ,

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

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

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

 .   -   

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

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

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

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

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

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

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

 <1>.

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<1> .: A Framework for the Guarantee Schemes in the EU...

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

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

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

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

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

:

- ;

- ;

- ;

- , ;

- , ;

- , ;

- ;

- .

§ 2. 

         

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

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

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

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

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

, Financial Services Compensation Scheme (FSCS) , 

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

.

       

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

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

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

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<1> .: A Framework for the Guarantee Schemes in the EU...

 -  (Federal Deposit

Insurance Corporation, FDIC) -   1934 .    

. FDIC       , 

 9 .        

 1929 . <1>.  1929 . 

     1933 .   1,3

. .      

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

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

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

:  1934 . (

 1  1934 .)    9 .    .

  FDIC    FDIC, 

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

        "

<2>.

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

 70 , 

 <1>  32,  - 14,  - 10,  - 9 .

  <2>, 

2004 . .

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<1>     -    ,  

.

          

  .   1970 .    ,

     (The Securities Investor Protection

Corporation, SIPC),      

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

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

 SIPC,  SIPC,  99% , 

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

 <1>.

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        

,       1988 . 

       

 ,         

     -  .   

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

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

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

, , ).      

     ,   , ,

.

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

 1975 . .

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

 (Financial

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

Services Compensation Scheme, FSCS).  1982 .  50 , 

       

 (Insurance Guaranty Association) <1>    ,

  ,  

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

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

   <2>.     2001 .  

      <3>.   

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

 - , 

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

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

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

).

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

<1>         

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

 "" 

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

    

 (National Conference of Insurance Guaranty Funds, NCIGF). 



<2>        

;  ,    

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

.

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

 .       

, , , .

         2003 . 

 ().

§ 3. 

       

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

.     <1>  

         

.

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<1> ., : Description and Assessment of the National Investor

Compensation Schemes Established in Accordance with Directive 97/9/EC. Report

prepared for European Commission (Internal Market DG)

     (  

      )  

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

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

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

<1>.       ,

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

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

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

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

,  <2>.

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

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

 ().

<2> .:     

.

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

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

-  () ;

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

1. 

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

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

       

,    (   ),   ( 

),  (), 

   ).      

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

 (),  (), 

),  (),  (

 ).       

   () -     

.

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

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

 <1>. ,  ()

   (  )     

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

.

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<1> .: A Framework for the Guarantee Schemes in the EU...

2. 

 ,      ,

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

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

) , ;

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