Consumer rights protection in settlement and credit relations

The article deals with the actual problems of consumer rights protection in the field of settlement and credit relations. The author focuses on the features of legal regulation of these legal relations, analyzes the existing legislative gaps and collisions. The paper suggests possible ways to improve the mechanism for protecting the rights of consumers of financial services. Special attention is paid to the issues of increasing the financial literacy of the population, strengthening the responsibility of credit institutions, as well as expanding the powers of the regulator. The author comes to the conclusion that a comprehensive approach is needed to solve the identified problems, taking into account the balance of interests of all participants in settlement and credit relations.