고령소비자의 금융착취 방지 대책 마련을 위한 정책적 제언

The purpose of this study is to examine the foreign laws and policies to protect the elder from financial exploitation. Elder financial exploitation means a fraudulent, illegal, unauthorized, inappropriate behavior or process to obtain financial gain by an individual such as a family or care-giver or trustee. Several laws, policies and practices guidelines related to elder financial exploitation in United States, United Kingdom and Japan were compared in the aspect of definition and scope, penetration rate study, and prevention policies of elder financial exploitation. Findings of the study are 1) the definition and scope of elder financial exploitation differ according to the countries. 2) In U.S, the financial law and policies such as the Senior Safety Act, NASAA Model Act, and FINRA rules were accomplished and the legal system are obligated to report financial exploitation suspicious activity by the financial investment companies and investment advisors, etc. In other hand, in UK and Japan, the social care and services act such as the Care Act or the Elder Abuse Act provide and apply the general elder abuse prevention policies and establish the guideline about reporting elder financial exploitation suspicious activity by the financial companies. In order to prevent elder financial exploitation, Korea needs to stipulate the Elder Financial Exploitation Prevention Act. The roles of government, financial companies, and community associations, and financial consumers are suggested.