lexgenLex GeneticaLex Genetica3034-16393034-1647МГЮА10.17803/lexgen-2024-3-1-33-43lexgen-24Research ArticleLex Genetica: частноправовое измерениеLex Genetica: Private-Law DimensionПрименение геномных данных в потребительских процедурах в банкахApplication of Genomic Data for Consumer Procedures in BankingАлексееваД. Г.AlekseevaD. G.

Диана Г. Алексеева, доктор юридических наук, профессор кафедры банковского права

Москва

Diana G. Alekseeva, Doctor of Law, Professor of the Department of Banking Law

Moscow

dgalekseeva@msal.ruМихееваИ. Е.MikheevaI. E.

Ирина И. Михеева, кандидат юридических наук, доцент кафедры банковского права

Москва

Irina E. Mikheeva, Candidate of Legal Sciences, Associate Professor of the Department of Banking Law

Moscow

ПономареваД. В.PonomarevaD. V.

Дарья В. Пономарева, кандидат юридических наук, доцент кафедры практической юриспруденции

Москва

Daria V. Ponomareva, Candidate of Legal Sciences, Associate Professor of the Legal Practice Department

Moscow

ГуттаковскийЯ. А.GuttakovskyY. A.

Янис А. Гуттаковский, ведущий специалист Службы по защите прав потребителей и обеспечению доступности финансовых услуг

Москва

Yanis A. Guttakovsky, Leading Specialist of the Service for the Protection of ConsumerRights and Ensuring the Accessibility of Financial Services

Moscow

Университет имени О.Е. Кутафина (МГЮА)Kutafin Moscow State Law UniversityЦентральный банк Российской ФедерацииThe Central Bank of the Russian Federation202403052024313343Copyright © Алексеева Д.Г., Михеева И.Е., Пономарева Д.В., Гуттаковский Я.А., 20242024Алексеева Д.Г., Михеева И.Е., Пономарева Д.В., Гуттаковский Я.А.Alekseeva D.G., Mikheeva I.E., Ponomareva D.V., Guttakovsky Y.A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://lexgen.msal.ru/jour/article/view/24

Геномная информация используется в банковской сфере, в частности, при выдаче потребительских кредитов и идентификации клиентов. Это определяет направления развития правового регулирования использования геномной информации. Установление правового режима геномной информации представляется важным в связи с необходимостью определения ответственности лица, не обеспечившего сохранность такой информации. Для решения спорных ситуаций, а также обеспечения защиты клиентов банков представляется необходимым внести изменения в Федеральный закон «О персональных данных» от 27 июля 2006 года, согласно которому геномная (генетическая) информация должна быть отнесена к персональным данным, одновременно повышая ответственность лица, которому такая информация была предоставлена, и содержать правила восстановления нарушенного права. Только комплекс мер воздействия на банки позволит создать эффективный механизм защиты геномной информации о клиентах, если она предоставляется кредитной организации с целью получения банковских или иных услуг.

The use of genomic information in banking – in particular, when issuing consumer loans and identifying clients – determines areas for the development of legal regulation of the application of genomic information. The establishment of the legal regime for genomic information is important due to the need to designate responsible persons for ensuring the safety of such information. In order to avoid disputable situations, as well as to protect the interests of banking customers, the present work advocates the introduction of certain amendments to the Federal Law ‘On Personal Data’ of the Russian Federation (2006). According to the proposed amendments, genomic (genetic) information should be classified as personal data. It therefore becomes necessary to increase the responsibility of the recipient of such information, as well as to establish rules for the restoration of a violated right. A suitable package of measures aimed at the banking sector will create an effective mechanism for protecting the genomic information of customers provided to a credit institution for the purposes of receiving banking or other services

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The authors declare that there are no conflicts of interest present.