LAWFULNESS OF INSURANCE CONDITIONS INCLUSION IN THE CREDIT AGREEMENT
Background: the article deals with the problem of including credit institutions additional conditions in the contract of consumer lending, namely the effectiveness of insurance as a security for the fulfillment of obligations of the parties to the loan agreement. The au thor of the article analyzes the law enforcement practice in disputes on invalidation of the terms of credit insurance contracts. Objective: improvement of legislation in the field of consumer lending. Methodology: system, comparative legal, modeling method used in the development of recommendations for the improvement of civil law, formal legal, analysis and synthesis of law enforcement data. Results: lack of unity of the court practice on the specified categories of disputes is revealed: courts often make opposite decisions on similar disputes. Conclusions: there is a need for further improvement of legislation in the field of consumer lending, the introduction of rules on the responsibility of the credit institution for unauthorized inclusion in the loan agreement conditions for the provision of additional services.