Lack of information about financial services consumers as a civil violation: an analysis of hidden forms of dishonesty

Abstract

This research article examines the problem of inadequate information for consumers of financial services as a civil violation. It analyzes hidden forms of dishonesty, including misselling, non-transparent pricing, and the imposition of additional services. Legal measures to protect consumer rights, such as the introduction of mandatory information standards and stricter civil liability, are considered. Recommendations for increasing the transparency of financial products are proposed, including standardizing information, training clients and employees, and expanding cooperation with consumer protection organizations.