Notification Detail | TRIS - European Commission

Draft Act amending certain acts in order to prevent usury (UD145)

Notification Number:

2019/0313/PL (Poland)

Date received:

28/06/2019

End of Standstill:

30/09/2019 (withdrawn)

Draft Text:

PL IT EL EN PT RO MT NL SV FI LT BG DE LV SK HU ES CS DA ET HR FR SL

Impact assessment:

PL EN FR DE

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Message

Message 002

Communication from the Commission - TRIS/(2019) 01767
Directive (EU) 2015/1535
Translation of the message 001
Notification: 2019/0313/PL

No abre el plazo - Nezahajuje odklady - Fristerne indledes ikke - Kein Fristbeginn - Viivituste perioodi ei avata - Καμμία έναρξη προθεσμίας - Does not open the delays - N'ouvre pas de délais - Non fa decorrere la mora - Neietekmē atlikšanu - Atidėjimai nepradedami - Nem nyitja meg a késéseket - Ma’ jiftaħx il-perijodi ta’ dawmien - Geen termijnbegin - Nie otwiera opóźnień - Não inicia o prazo - Neotvorí oneskorenia - Ne uvaja zamud - Määräaika ei ala tästä - Inleder ingen frist - Не се предвижда период на прекъсване - Nu deschide perioadele de stagnare - Nu deschide perioadele de stagnare.

(MSG: 201901767.EN)
1. MSG 002 IND 2019 0313 PL EN 28-06-2019 PL NOTIF

2. PL

3A. Ministerstwo Przedsiębiorczości i Technologii,
Departament Obrotu Towarami Wrażliwymi i Bezpieczeństwa Technicznego,
Plac Trzech Krzyży 3/5, 00-507 Warszawa,
tel.: (+48) 22 262 93 94, e-mail: notyfikacjaPL@mpit.gov.pl

3B. Ministerstwo Sprawiedliwości,
Departament Legislacyjny Prawa Karnego,
Al. Ujazdowskie 11, 00-950 Warszawa
tel. (+48) 22 52 12 888, e-mail: kontakt@ms.gov.pl

4. 2019/0313/PL - SERV

5. Draft Act amending certain acts in order to prevent usury (UD145)

6. The draft Act will affect moneylending services supplied by electronic means, i.e. it may generate an increased interest in and popularity of loans granted in relations between interested natural persons without the use of a financial institution as an intermediary, including with the use of special web-portals. It should be noted that the draft Act may in practice affect moneylending services supplied by electronic means.

7. -

8. The draft Act amending certain acts in order to prevent usury (UD145), to the extent that it includes provisions subject to notification, provides for the supplementation of currently existing national regulations on usury prevention.
The draft Act is subject to notification to the European Commission as it contains technical provisions within the meaning of Directive (EU) 2015/1535 of the European Parliament and of the Council of 9 September 2015 laying down a procedure for the provision of information in the field of technical regulations and of rules on Information Society services. The draft Act will affect moneylending services supplied by electronic means, i.e. it may generate an increased interest in and popularity of loans granted in relations between interested natural persons without the use of a financial institution as an intermediary, including with the use of special web-portals. It should be noted that the draft Act may in practice affect moneylending services supplied by electronic means.

9. The draft Act contains technical provisions within the meaning of Directive 2015/1535 and must therefore be notified to the European Commission. It should be stressed that the consequences of the absence of such notification would be very serious for Poland and would include the inability of Polish administrative bodies and courts to lawfully apply the provisions of the future Act.

10. Reference(s) to basic text(s): Acts:
of 23 April 1964 – the Civil Code;
of 17 November 1964 – the Code of Civil Procedure;
of 6 June 1997 – the Criminal Code;
of 29 August 1997 – the Banking Act;
of 21 July 2006 – on financial market supervision;
of 5 November 2009 – on cooperative societies and credit unions;
of 12 May 2011 – on consumer credit;
of 23 October 2014 – the Reverse Mortgage Act; and
of 23 March 2017 – on mortgage loans and supervision of mortgage brokers and agents.

11. Yes

12. The purpose of this Draft is to take comprehensive and coordinated action, both at the level of the Criminal Code and through intervening in civil law relations, aimed at eliminating the pathology of granting loans of usurious nature.
The use of an accelerated procedure will ensure that those taking out a loan are protected as quickly as possible.

13. No

14. No

15. Yes

16. TBT aspect

No - the draft is neither a technical regulation nor a conformity assessment procedure.

No – the draft has no significant impact on international trade.

SPS aspect

No - the draft is neither a sanitary nor phytosanitary measure.

**********
European Commission

Contact point Directive (EU) 2015/1535
Fax: +32 229 98043
email: grow-dir2015-1535-central@ec.europa.eu

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