Pre-Trial Dispute Settlement Procedure with Participation of a Financial Commissioner: Procedural Challenges

The Institute of Financial Commissioner aims at effective pre-trial settlement of disputes between financial organizations and financial services consumers. At the same time, disputes not resolved in this manner are referred to the courts of general jurisdiction. The specifics of the legal status of the financial commissioner, peculiarities of the legal nature of the relations arising when considering a dispute between a financial institution and a consumer of financial services at a pre-trial stage, gaps in legal regulation result in the emergence of a number of important procedural problems: determination of the procedural status of persons involved in the dispute, application of the rules of generic and territorial jurisdiction, establishment of the procedure for consideration of the relevant categories of cases by courts of general jurisdiction, etc. The lack of legal regulation of procedural legislation in such cases, as well as full-fledged explanations of the Supreme Court of the Russian Federation on these issues, lead to the multidirectional and unsettled development of judicial practice, violation of the principle of legal certainty, emergence of barriers in the exercise of the right to court protection. The paper analyzes the above problems, the causes of their occurrence and suggests the ways to resolve them.

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