Сарнаков И.В. Потребительское кредитование в России

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

.

, ,

   "  " <1>, 

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

.

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<1>     10  1994 . N 1180 " 

" // . 1994. N 7. . 692.

      

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

. 7  "" 

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

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

 ,      

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

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

   :  "  

) 

)" <1>,     

 ()     -

 () 

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

 ;  "    

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

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

" <2>,  "   

    " <3>,  "

   " <4>,  "

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

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

" <5> .

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<1>     31  1998 . N 54- " 

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

 ()" // . 1998. N 70 - 71; 2001. N 57 -

58.

<2>  26  1998 . N 39- "

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

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

" // . 1998. N 53 - 54; 2007. N 69.

<3>     20  2006 . N 283- " 

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

. 2006. N 26; 2009. N 47.

<4>     29  2004 . N 255- " 

" // . 2004. N 25; 2007. N

71.

<5>     26  2004 . N 254- " 

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

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

. 2004. N 28; 2009. N 15.

  "

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

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

.

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<1>     13  2008 . N 2008- "   

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

. 2008. N 28.

     ""     29

 2006 . N 175- "

,   " <1>,  

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

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

 ( )    

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

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

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

.

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<1> . 2007. N 1 (

 N 2008-).

. 5 

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

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

.   -   

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

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

, ).

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

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

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

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

, .

1.         

      2008  

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

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

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

.      ,

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

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

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

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

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

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<1>   .: http://www.asros.ru/files/otv_kreditor.pdf -

.

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

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

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

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

.

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

    .  , 

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

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

, , ,

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

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

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

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

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

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

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

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

       

.

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

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

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

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

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

.

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

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

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

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

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

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

2.        

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

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

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

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

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

  " <1>,  " 

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

" <2> .

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

<1> . 1998. N 11; 2001. N 3.

<2> . 1996. N 9.

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

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

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

 .  ,  ,

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

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

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

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

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

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

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

.

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

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

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

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

   (. . 5, 56  " 

"). , 

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

 "" <1>.

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

<1>  .   

 // . 2007. N 4 (18). . 114

- 115.

   ,   

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

       



  2008  <1>.  ,     

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

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

. 

 2006

- 2008 . <2>.

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

<1>  N 98313  N

01-01/1617  5  2005 . "    

 2008 " // . 2005.

N 19.

<2>     19  2006 . N 38- "

     

 (2006 - 2008 )" // . 2006. N 5. . 589.

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

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

".

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

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

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

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

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

" <1>.         "

".

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<1> , , 

".  1995 ,  9 , 

   2006      

,  .      

 8 .



 2000 ,        .    

 N 136312-5  5 

2008 . "" <1>, 

24  2009 . .

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<1>    .: http://www.duma.gov.ru -

 ().

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

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

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

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

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

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

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

 : " "

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

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

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

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

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

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

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

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

<1>.

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<1>       "

" //  "".

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

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

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

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

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

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

 () 

 ,      

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

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

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

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

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

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

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

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

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

).

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

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

,    :   

   (   

).  "" 

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

.  ""

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

       

.

       

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

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

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

, , . : "  

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

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

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

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

...) 

       

" <1>.

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<1> . :  .    //

. 2006. N 1. . 60.

, , . 

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

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

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

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

  .  ,    , 

,  "": 

)    . , 

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

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

.

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

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

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

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

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

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

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

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

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

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

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

.

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

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

,       . 

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

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

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

.

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

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

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

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

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

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

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

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

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

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

        

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

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

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

 ()     ""  - ,

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

,       ,

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

" (Consumer Credit Protection Legislation).    

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

(Uniform 71 Consumer Credit Code (UCCC)),    

 (Truth in Lending Act (TILA)) 1968 ., 

 (Fair Credit Reporting Act (FCRA)) 1970 ., 

 (Equal Credit Opportunity Act ()) 1977 .

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

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

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

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

 25 . ,  , ,  (

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

 <1>.       

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

 10% .

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

<1>  ,   , , , ,

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

.

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

.  - 

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

" (the true cost of credit) (  ). TILA 

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

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

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

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

, ;

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

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

;

    ,  25 .

;

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

  ,    

;

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

 TILA;

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

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

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

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

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

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

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

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

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

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

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

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

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

 " - ,      ,

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

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

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

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

        

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

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

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

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

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

; ,  604 FCRA <1>.

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

<1>  .,  .   

 // . 2005. N 12. . 58 - 60.

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

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

 ,    .  

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

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

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

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

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

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

 .     , 

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

.

 ECOA   "B" 

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

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

:

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

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

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

;

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

, ;

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

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

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

,       ,   ,

.

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

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

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

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

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

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

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

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

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

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

, .

 

" (Consumer Credit Act) 1974 . 

    , .  :

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

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

;     25000 . . ...   

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

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

   ,     

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

    ,    -

,    .    

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

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

<1> . . ., 2000. . 209 - 210.

 ,   . ,

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

1974 . "       

,     ,  

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

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

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

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

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

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

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

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

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<1> . . 210 - 211.

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

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

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

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

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

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

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

.

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

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

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

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

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

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

, - . , - 

" <1>.

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<1> . . . . 212.

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

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

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

.

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