On the issue of countering illegal issuance of consumer credits in the Russian Federation
The population of the Russian state has begun to fully take advantage of the achievements of the development of the financial and credit system, which is demonstrated by a very extensive practice of obtaining credits for various purposes. The most common type of credit products at present are consumer credits, which is objectively due to the availability and ease of their execution. However, these characteristics of consumer lending are of interest not only to borrowers, but can also be used as part of illegal activities. Currently, in order to implement criminal intent, individuals who do not have the appropriate authority become active participants in credit legal relations, which ultimately leads to a significant violation of the rights and legitimate interests of borrowers on their part. In 2021, this problem was resolved by introducing Art. 171.5 of the Criminal Code of the Russian Federation, which fixed the responsibility for the implementation of activities for the provision of consumer credits (loans). The purpose of the study is the analysis of topical issues of countering illegal issuance of consumer credits in the Russian Federation. The author comes to the conclusion that Art. 171.5 of the Criminal Code of the Russian Federation has become one of the main elements of the existing mechanisms for countering illegal issuance of consumer credits, which is supposed to be actively used not only in the process of identifying and suppressing criminal behavior, but also the scope of legal consequences enshrined in the sanction of this criminal law norm can be considered as a deterrent factor for those who think about committing such an illegal act. Despite the fact that at present the content of Art. 171.1 of the Criminal Code of the Russian Federation raises many questions, it seems appropriate to wait for a certain practice of its application, which will clearly demonstrate individual weal points and problems.