Financial and Legal Policy Priorities in the Strategic Documents by the Central Bank of the Russian Federation (Bank of Russia) in the Sphere Of Russian Financial Market Digitalization Process

The article examines modern axiological aspects in the strategic planning acts of the Bank of Russia and other program legal acts issued by the Bank of Russia in the sphere of creating a trustworthy environment in the Russian financial market, increasing the efficiency of the system which protects the consumers rights of financial services and investors, increasing the accessibility of financial services for citizens and businesses, taking into account the digitalization of financial products, services, access channels to them, the development of digital financial services and society's requirements for financial security, cyber security, noticing the demand for further financial and legal education, the introduction of the legal foundations of financial culture, spiritual, moral and legal values in the activities of financial market participants (financial organizations), ensuring lawful behavior in the financial market, the regime of legality, preventing and suppressing unfair practices in the financial market, maintaining the proper level of law and order in financial relations — accordingly, developing forms and methods of interaction between the Bank of Russia and the Agency for deposit insurance, the Institute of the Financial Ombudsman, the Federal Antimonopoly Service (FAS), the Federal Service for Supervision of Consumer Rights Protection and Human Welfare (Rospotrebnadzor), and law enforcement agencies. The authors draw attention to the relevance of expanding the law-making, law enforcement, control and supervisory, legal interpretation powers of the Bank of Russia, including issues on Russian financial market digitalization, especially such legislative innovations as the concept of “self-bans on loans”.