Activities of the commissioner for consumer rights of financial services to protect human and citizen rights and freedoms

The article examines the institution of the financial ombudsman as an innovative mechanism for protecting the rights of consumers of financial services in the Russian Federation. The legal status, competence and features of the functioning of this institution are analyzed. Based on statistical data, the effectiveness of its activities in the context of reducing the burden on the judicial system is assessed. Problematic aspects in the work of the financial ombudsman are identified and ways to improve the regulatory framework are proposed, including expanding the powers of the ombudsman and introducing a system of differentiated contributions from financial organizations. The need for further development and popularization of the institution of the financial ombudsman as an effective tool for pre-trial dispute resolution is substantiated.