Prevention of Telephone and Online Fraud through the Adjustment of the Institution of a Lifetime Annuity

Introduction. The article examines the imperfection of legal norms governing the procedure for concluding contracts for the purchase and sale of real estate and life annuities, leading to the vulnerability of elderly citizens. To deprive Russian citizens of real estate owned by them, fraudsters use both the institution of a lifetime annuity and an accelerated procedure for registering transactions with these objects.
Materials and methods. In the course of writing the work, a set of general scientific, formal-logical methods (including methods of cognition, description, analysis, induction, deduction, comparison, analogy, systematization, modeling) and special methods (formal-legal, historical, comparative-legal, structural-legal methods; the method of content analysis of official documents regulating the procedure for registration of life annuity contracts and real estate renewal).
The results of the study. An analysis of Russian legislation has shown that fraudsters can implement mechanisms for life annuity and accelerated real estate re-registration in order to appropriate both the real estate objects themselves and the sums of money received as a result of their sale at a price below the market.
At the same time, EU legislation, having a longer history of legal regulation of real estate real estate conversion procedures, as well as their more detailed and step-by-step implementation, makes it difficult for fraudulent groups to take possession of other people's real estate.
Discussion and conclusion. The study showed that a number of current legislative norms of Russian legislation in the field of state registration of rights to real estate, as well as life annuity agreements, create conditions for the implementation of fraudulent schemes and the deprivation of homeowners. In connection with the above, amendments to the current legislation aimed at decriminalizing the transfer of rights to real estate and the conclusion of life annuity agreements are proposed

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