NON-ACCEPT PAYMENTS: LEGAL REGULATION AND CONSUMER RIGHTS

Abstract

The article is devoted to the study of the legal aspects of non-acceptance payments in the modern banking system. The study analyzes the regulation of non-acceptance payments based on the legislation of the Republic of Uzbekistan, including the Civil Code and the Law "On Banks and Banking Activities." A comparative analysis was also conducted with the experience of the USA and the European Union (EFTA/Regulation E, PSD2, SEPA). The article focuses on issues such as social payments, contractual non-acceptance terms, and notification obligations. The research results include proposals for improving the consumer protection system in Uzbekistan and adapting best foreign practices to national conditions. The article shows solutions that combine the principles of financial justice, security, and legal protection