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EN
This study addresses the issue of the legality of the denominated and indexed loans in a foreign currency under the current applicable law, with reference to the existing position of doctrine and case law in this area. The starting point for this considerations is the arbitrarily accepted thesis in the public discourse that the credit agreements denominated and indexed in a foreign currency were defective due to their lack of compliance with the applicable law or because their included the provisions that were unfair market practices. This study is an attempt to dispel doubts to the compliance of the loan granting mechanism with the commonly applicable laws in Poland, in particular with the provision of Article 69 of the Banking Law, setting forth the rules of concluding by the bank the credit agreement with the borrowers or a provision of Article 358 § 2 of the Civil Code providing for the possibility of using so-called valorization clauses. This study also delivers opinion of the National Bank of Poland or the Financial Supervision Commission, which very often are deliberately omitted or distorted in the public discourse.
PL
Artykuł dotyczy nowelizacji Prawa bankowego, ustawy o SKOK oraz ustawy o ewidencji ludności, dokonanej ustawą w dniu 09.10.2015r. o zmianie ustawy – Prawo bankowe oraz niektórych innych ustaw (tzw. ustawa o „rachunkach uśpionych”). Autor opisuje niektóre spośród problemów związanych z wdrożeniem ustawy, wynikających z niejednoznacznych zapisów ustawy lub nieuzasadnionych obowiązków nakładanych na banki i kasy. W artykule przedstawiono także dane dotyczące skali pierwszych zapytań dotyczących „rachunków uśpionych” oraz postulaty de lege ferenda.
EN
The article refers to the amendment of the Banking Law, the Law on Credit Unions and the Act on the census, by the act of 9th October 2015 amending the Act – Banking Law and some other acts (the so-called Law on "dormant accounts"). It describes some of the problems associated with the implementation of the act, resulting from its ambiguous provisions or unreasonable obligations imposed on banks and credit unions. The article also presents the data on the scale of the first inquiries concerning the "dormant accounts" and the de lege ferenda demands.
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