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Procedural Aspects of Protection of Consumers’ Rights in Banking Relations

G.D. Fatkhutdinova, 
Postgraduate Student of the Department of Ecological, Labor Law and Civil Procedure 
of the Law Faculty of the Kazan (Volga Region) Federal University 

The article describes peculiarities of judicial protection of consumers’ rights in banking relations. The author highlights problems of legality of detention and use of arbitration clauses in consumer relations, which are most characteristic for banking relations. Special attention is devoted to the problem of correlation of the contractual and alternative jurisdiction in consumer relations, typical for banking relations. The author concludes that the judicial protection of rights of consumers of banking services is carried out by common civil law remedies, and by means provided by the consumer legislation. Special remedies of judicial protection of consumers of banking services are provided only in the area of consumer lending. These tools include limits on change of jurisdiction of disputes through the submission of a dispute to arbitration and limits of change of territorial jurisdiction. The author analyzes the recently elaborated in the Law on consumer credit (loan) position on the possibility of change of territorial jurisdiction by the agreement of the parties within the Federal subject of the Russian Federation. The author also identifies that the most effective and popular non-judiciallaw remedy of self-defense of violated rights of consumers of banking services is a complaint to regulatory authorities. 

Keywords: judicial protection of consumers’ rights; banking relations; consumers of banking services.

References 

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Information about the author 

Fatkhutdinova D.G. (Kazan) – Postgraduate Student of the Department of Ecological, Labor Law and Civil Procedure of the Law Faculty of the Kazan (Volga Region) Federal University (Kazan, Kremlyovskaya St., 18; e-mail: GDFathutdinova@ yandex.ru).

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G.D. Fatkhutdinova