Попытка МФО соединить рекламу с молитвой вызвала претензии ФАС

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Нестандартный подход к продвижению микрозаймов через религию, использованный МФО «Удобные деньги», вызвал претензии Федеральной антимонопольной службы (ФАС). Там сочли, что использование в рекламе микрофинансовой организации (МФО) текста молитвы «Отче наш» и образа Христа оскорбляет верующих. Если доводы ФАС устоят в суде, то против руководителя компании может быть возбуждено административное и даже уголовное дело. До сих пор подобных прецедентов не было.

Вчера Челябинское УФАС сообщило о возбуждении дела в отношении МФО «Удобные деньги» из-за распространения рекламы с использованием религиозного христианского символа. Как следует из сообщения УФАС, в рекламе, напечатанной на карманном календаре, наряду со слоганами «Удобные деньги. Нужны наличные?..» присутствовали текст молитвы «Отче наш» и образ Иисуса Христа. «Использование в рекламном сообщении указанных религиозных христианских символов содержит признаки нарушения законодательства о рекламе, поскольку может являться оскорбительным для чувств верующих»,— подчеркнули в ФАС. Данную позицию поддержали 17 из 19 участников экспертного совета при Челябинском УФАС, а также 270 участников опроса на сайте службы из 660 проголосовавших. Рассмотрение дела назначено на 13 июня.

Как сообщил «Ъ» замруководителя ФАС Андрей Кашеваров, споры с компаниями по поводу оскорбляющей чувства верующих рекламы, содержащей цитаты из Библии или Корана, уже были. «Однако ни к банкам, ни к МФО раньше подобных претензий не было»,— отметил он. Не припомнил подобных случаев в отношении участников микрофинансового рынка и глава СРО МиР Андрей Паранич.

В самой компании уверены, что ничего оскорбительного в их рекламе нет, мало того, она адресована именно верующим людям. «Среди наших клиентов много православных,— поясняет гендиректор МФО «Удобные деньги» Василий Орлов.— Это для них мы выпустили календарик с молитвой, который они могли сами взять в офисах нашей МФО, раздача их в качестве рекламных материалов не проводилась». Он сослался на тот же опрос, что и ФАС, заметив — 70% верующих не сочли свои чувства оскорбленными.

Впрочем, эксперты считают, что данная молитва была выбрана не просто так. «Недопустимо в рекламе МФО приводить молитву, в которой есть слова «остави нам долги наша, якоже и мы оставляем должником нашим», это может быть воспринято как издевательство,— поясняет управляющий партнер ГК Stas Marketing Андрей Стась.— Видимо, МФО рекламой хотело эпатировать клиентов, подобный прием распространен среди маркетологов». По мнению финансового директора сервиса онлайн-кредитования «Е заем» Мамуки Ризаева, религиозные образы были использованы для увеличения доверия.

Юристы не берутся однозначно предсказать исход дела. «По сути, никакого оскорбления в этой рекламе нет, однако надо дождаться рассмотрения дела — есть шанс, что использование религиозных символов повлечет неблагоприятные последствия для МФО, например, штраф, и впоследствии станет прецедентом для подобных случаев»,— говорит старший юрист BMS Law Firm Тарас Хижняк. По мнению председателя КА «Старинский, Корчаго и партнеры» Евгения Корчаго, решающим в данном случае будет заключение теологической экспертизы. «Если эксперты укажут, что чувства верующих оскорблены, то можно ожидать весьма серьезных последствий,— предупреждает он.— КоАП предусматривает штраф на директора компании до 200 тыс. руб. за «умышленное публичное осквернение… предметов религиозного почитания»». Кроме того за оскорбление чувств верующих предусмотрена уголовная ответственность — против руководителя МФО может быть уже возбуждено уголовное дело по ст. 148 УК, а это — до трех лет тюрьмы, продолжает эксперт. По словам господина Корчаго, доводы МФО о непреднамеренности действий могут быть сочтены «отрицанием умысла с целью избегания уголовного наказания».

Источник: kommersant.ru

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