Hidden fees in the list of violations of the rights of citizens participating of credit-money relations

Hidden fees in the list of violations of the rights of citizens participating of credit-money relations Purpose: To study the application of the existing legal mechanisms, as well as the identification of measures and recommendations of regulatory measures aimed at legal education of Russian citizens in literacy confrontation illegal actions of employees of banks, collection, microfinance institutions, prevention proliferating financial disputes, protection of civil rights of borrowers, neutralization of hidden threats and conflicts of credit relations, the use of which will contribute to strengthening the process of improving the financial well-being of the population and restructuring domestic economic environment. Methodology: Comprehensive analysis of the legal regulation of national credit relations at both the federal and regional levels, conducted with statistical data, jurisprudence and doctrinal views submitted in fundamental and scientific periodicals of the financial and economic situation in the country, the number and types of abuse by credit institutions at the conclusion of the credit agreement with the citizens. Results: In this article, specific recommendations to eliminate hidden dangers and problem cases credit relations between banks and borrowers citizens an example the most common among them - the problem of hidden fees. In addition, for the performance and evaluation of the advantages and disadvantages are analyzed ways to restore the rights of citizens - participants of monetary relations, in terms of return loan fees and other illegal commissions on loans. Impact study is pronounced and its application nature, aimed at extending financial culture and its legal framework between citizens participating monetary relations, which result in a projected state will allow significant expansion of their economic opportunities. Novelty/originality/value: The scientific novelty of this study is due to implemented in the article methodology, which consists in the comparative analysis tier federal and regional legislation creating a complex set of legal regulation of relations studied, taking into account the jurisprudence, statistical and other information material. This methodological step allowed to identify the most frequent violations of human rights borrowers, how to restore it, to determine the orientation of a complete application of the existing legal acts, detect collisions, and the nature of their need of detail is not in the abstract theoretical context, and in relation to the needs of the regulation of credit and monetary relations with the participation of citizens to a specific example of the region - the Volgograd region.