THE CONCEPT OF ELECTRONIC MONEY ACCORDING TO THE LEGISLATION OF RUSSIA AND FOREIGN COUNTRIES Kolesnikov Yuri Alexeyevich, Dr of Law, Member of the Expert Council of the Committee of the State Duma of the Russian Federation on financial market. <...> Department: state (constitutional) law, municipal law and environmental law chair. <...> E-mail: romanvolkov3009@yandex.ru Annotation: The subject of research is a rather young for Russia Institute as electronic money. <...> The author of quite a lot of attention in the article is paid to the study of the experience of the regulation of electronic money in foreign countries (the USA and the European Union). <...> The author analyzes in detail the Russian legislation regulating the national payment system, noting the timeliness and importance of a high level of legal techniques in the regulation of electronic money in Russia, as well as the relevance of its reformation under the influence of new economic conditions. <...> The value of this article is the use of the method of comparing the experience of regulation of electronic money in foreign countries with the Russian. <...> The author also analyzes not only the Federal law "On national payment system", but other LA (legal act) accompanying the Act, which gives the opportunity to see a picture of integrity. <...> Electronic money is fairly new and so young Institute of Russian reality, and one that requires careful study and analysis, especially under the influence of the new geopolitical and economic conditions. <...> The article ends with a conclusion about the effectiveness of the use of electronic money in the interests of the state, but also by the uniqueness of the Russian experience. the article analyses the dynamics of changes in the legislation governing the circulation of electronic money. <...> Issues considered by the Russian legislation, and we study the experience of foreign countries. <...> Широкий круг вопросов, с которым сталкивались пользователи электронных денег в условиях еще совсем недавно существовавшей «правовой пустоты», вызвал неподдельный интерес к проблемам электронных денег со стороны исследователей. <...>