Problem issues of brining to criminal liability for fraud in the field of electronic payment

The article considers ways of committing fraud using electronic means of payment. The experience of forming criminal legislation in Russia illustrates that the understanding of fraud as a criminal category has been modified more than once. This circumstance has stipulated the emergence of certain practical and doctrinal issues, some of which have not yet been resolved. The topicality of the theme under research is strengthened in consideration of insufficient development of criminal and legal norms regulating fraud as a form of embezzlement. The authors argue the necessity to recognize credit organizations as victims of this type of crime rather than individuals on behalf of whose loan obligations are issued; the modified Article 159.3 of the Criminal Code of the RF is proposed.