Annotation

The article analyses the problem of legal expediency of establishing a citizen's “self-prohibition” to conclude consumer credit agreements, as well as the reasons that prompted the legislator to introduce this kind of norm into the legislation on consumer credit: protection of citizens from possible cases of concluding consumer credit agreements on their behalf without their knowledge (i.e. cases of fraud in obtaining consumer credit). The inexpediency of introducing such measures is shown, as the introduction of such “self-prohibition” by a citizen in fact means a voluntary diminution of the legal capacity of a citizen, which is not provided for by the Civil Code of the Russian Federation. Specific ways of improving legislation in the field of consumer lending aimed at improving the procedure for identifying the borrower's identity are proposed.