CURRENT ISSUES OF CONSUMER RIGHTS PROTECTION IN THE SPHERE OF CONSUMER CREDIT DURING THE PERIOD OF MARTIAL STATE

Abstract

The article examines pressing issues related to the legal protection of consumer rights in the field of consumer lending under martial law in Ukraine. The study analyzes the main changes in the legal regulation of credit relations caused by the full-scale armed aggression, including the introduction of moratoriums, credit holidays, restructuring mechanisms, and restrictions on foreclosure of residential property. Particular attention is paid to practical problems in exercising borrowers’ rights, such as abuses by financial institutions, legal uncertainty, and limited access to judicial protection. The article emphasizes the evolving case law in disputes between consumers and financial institutions and the development of new approaches to balancing the interests of both parties during crisis conditions. The study proposes directions for improving legislation and legal practice in consumer lending, taking into account the social vulnerability of borrowers and the need for legal certainty.

The protection of consumer rights in the sphere of consumer lending during martial law requires special attention from the state. The updating of legislation demonstrates the importance and complexity of ensuring the proper level of consumer rights protection in the studied area. The issue of implementing consumer rights in the sphere of lending during wartime requires a comprehensive approach: from improving legislation to activating the role of the state in the sphere of human rights protection.

Judicial practice in the sphere of consumer lending during martial law is formed in a dynamic context and is the result of finding a balance between the norms of law and life circumstances. Its further improvement is a necessary condition for the stability of the banking system, fair protection of consumers and strengthening the rule of law

It is emphasized that the protection of consumer rights in the sphere of consumer lending during martial law requires special attention from the state. The introduction of martial law has created new challenges for creditors and consumers. The updating of legislation demonstrates the importance and complexity of ensuring an adequate level of consumer rights protection in the area under study. The issue of implementing consumer rights in the sphere of lending during wartime requires a comprehensive approach: from improving legislation to enhancing the role of the state in the human rights protection sphere. Judicial practice in the sphere of consumer lending during martial law is formed in a dynamic context and is the result of finding a balance between the norms of law and life circumstances. Its further improvement is a necessary condition for the stability of the banking system, fair protection of consumers and strengthening the rule of law.