Independent expert evaluation under the financial ombudsman: current challenges

the article is dedicated to the analysis of problems arising in the process of organizing independent expert evaluations by the Financial Consumer Ombudsman. The author examines the role of this institution within the system of alternative dispute resolution, as well as the difficulties encountered in exercising the Ombudsman’s powers to appoint and conduct expert assessments, particularly in cases related to auto insurance. The study identifies gaps and unresolved issues in the current legislation, and highlights contradictions between the interpretation of the Supreme Court of the Russian Federation, the Ombudsman’s practice of appointing expert evaluations, and repeated expert examinations conducted by courts. The normative and practical dimensions of the Ombudsman's activities are assessed. The author substantiates the need to establish unified methodological approaches and procedural standards for interaction with the expert community. Official reports, clarifications issued by judicial authorities, and specific legal cases are used as the empirical basis. The study concludes with recommendations on legally formalizing additional guarantees for the independence of expert evaluations appointed by the Financial Consumer Ombudsman, along with concrete policy proposals.

financial ombudsman, independent expertise, consumer protection, auto insurance, pre-trial dispute resolution, case law