Financial crimes are defined as unfair activities that have become widespread in banking structures. The activities of financial fraudsters often have negative consequences before public rules are created that prohibit them. Intensive transformation processes in financial markets, their automation and virtualisation, the spread of remote interaction between banks and their clients, the influence of unauthorised persons on the software and hardware systems of banks, an increase in the number of cases and trading volumes determine the relevance of clarifying the essence of this phenomenon and the peculiarities of its manifestation in banking structures. The novelty of the study is determined by the fact that financial violations can be represented both in the structure of the current activities of banks and the process of interaction with clients and in the structure of expanding the list of services provided. The leading method to study this problem is the method of analysis, which allows to identify and comprehensively consider ways to counter financial crimes in banks to improve the level of financial security. The authors show that structurally, one should take into account, first of all, countermeasures on the part of customers, which often serve as a source of obtaining personal data. In this case, the state function is considered only as a security function for the purpose of possible punishment for fraudulent actions. The practical significance of the study is determined by the possibilities of structural implementation of combating financial fraudulent actions in the context of the development of the information society.

The relevance of the paper is caused by the current collision between the will of the international political-economic groups and the will of the ruling circles in the legal area. The objective of the paper is to analyze the essence-subject combinatorics of law. The authors have established two main aspects of the legal concept and four main groups of the subjects of law. Finally, they have revealed sixteen combinations based on the concepts and levels of the subjects. Notably, the level of the subject of law as an individual consists of more than 7 billion subjects, so it is impossible to count the real number of combinations. But practically in the majority of cases, lawyers prioritize the will of an individual, a social group and the ruling circles, based on which the integral law is defined.

Analysis of the current situation in the fight against crime in Russia, in our opinion, shows that it is necessary to strengthen the role of the state in this process, and, consequently, improve the quality, efficiency, process of crime investigation, which includes not only the recognition of signs of offenses, collecting evidence, but also the ability to identify a system of factors and circumstances that contributed to the commission of a particular crime – with the aim of their subsequent elimination by methods other than the procedural, but otherwise legal. In this aspect, the authors, in the framework of this article, touch upon issues related to corruption offenses in the housing and utilities sector. The article considers the current state of affairs in the housing and utilities sector of Russia. It is argued that corruption in the housing and utilities sector is a kind of indicator of society that characterizes its socio-economic level and the viability of government. The corruption component in the activities of housing and public utilities in the formation of tariffs was considered. Offered options to combat this negative phenomenon.

The article considers the peculiarities of legal regulation of the termination of activity of private pension funds. The author explores the possible legal options for the termination of the activities of private pension Fund. In detail and disclosed to the General procedure, especially the legal procedures of reorganization, liquidation and bankruptcy of private pension funds. Special attention is paid to the extension of state guarantees of safety of pension savings in all pension funds, prevention of bankruptcy and information transparency.