Message 002
Communication from the Commission - TRIS/(2021) 04792
Directive (EU) 2015/1535
Translation of the message 001
Notification: 2021/0900/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: 202104792.EN)
1. MSG 002 IND 2021 0900 PL EN 27-12-2021 PL NOTIF
2. PL
3A. Ministerstwo Rozwoju i Technologii,
Departament Obrotu Towarami Wrazliwymi i Bezpieczeństwa Technicznego,
Plac Trzech Krzyży 3/5, 00-507 Warszawa,
tel.: (+48) 22 411 93 94, e-mail: notyfikacjaPL@mrit.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. 2021/0900/PL - SERV
5. Draft Act amending certain acts in order to prevent usury (UD286)
6. The draft Act will affect money-lending services supplied by electronic means, i.e. it may generate an increased interest in and popularity of loans granted in relations between interested individuals without the use of a financial institution as an intermediary, including via special web portals. It should be noted that the draft Act may, in practice, have legal impact on money-lending services supplied by electronic means.
7. -
8. The draft Act on amending certain laws in order to prevent usury (UD286), in so far as it includes notifiable provisions, provides for supplementing the existing national legislation to combat usury.
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 money-lending services supplied by electronic means, i.e. it may generate an increased interest in and popularity of loans granted in relations between interested individuals without the use of a financial institution as an intermediary, including via special web portals. It should be noted that the draft Act may, in practice, have legal impact on money-lending 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 emphasized that failure to notify the European Commission would have serious ramifications for Poland and would include the legal inadmissibility of Polish administrative bodies and courts to apply the provisions of the future Act. The previous draft Act amending certain laws in order to prevent usury (UD286) was notified to the European Commission on 28 June 2019 under document number 2019/313/PL.
10. Reference(s) to basic text(s): — Act of 23 April 1964 — Civil Code (Journal of Laws [Dziennik Ustaw] 2020, item 1740, as amended)
— Act of 17 November 1964 — Code of Civil Procedure (Journal of Laws 2021, item 1805, as amended)
— Act of 6 June 1997 — Penal Code (Journal of Laws 2020, item 1444, as amended)
— Banking Law Act of 29 August 1997 (Journal of Laws 2020, item 1896, as amended)
— Act of 21 July 2006 on supervision of the financial market (Journal of Laws 2020, item 2059, as amended)
— Act of 5 November 2009 on cooperative savings and credit unions (Journal of Laws of 2021, item 1844, as amended)
— Consumer Credit Act of 12 May 2011 (Journal of Laws 2019, item 1083, as amended)
— Act of 23 October 2014 on reverse mortgage credit (Journal of Laws 2016, item 786, as amended)
— Act of 23 March 2017 on mortgage credit and the supervision of mortgage intermediaries and agents (Journal of Laws 2020, item 1027, as amended)
The basic texts were submitted under the previous notification: 2019/313/PL
11. No
12. -
13. No
14. No
15. Yes
16. TBT aspects
No — the draft is neither a technical regulation nor a conformity assessment procedure.
NO — the draft has no significant impact on international trade.
SPS aspects
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
