Home / Dz.U. 2011 nr 126 poz. 715
Law of 12 May 2011 on Consumer Credit
Ustawa z dnia 12 maja 2011 r. o kredycie konsumenckim
Type
Law (Ustawa)
Status
act has a consolidated text (akt posiada tekst jednolity)
Announced
2011-05-12
Entry into force
2011-12-18
Texts
The consolidated text (tekst ujednolicony) is unofficial; only the signed PDFs from Dziennik Ustaw / Monitor Polski are legally authentic.
Keywords
commissionConsumerscivil codeinterest ratesagreementsprawo bankoweCredits and loansinterest rate
Related acts
Repealed Acts (2)
- Law of May 22, 2003 on amending the Law on Consumer Credit · 2011-12-18
- Law of July 20, 2001, on consumer credit. · 2011-12-18
Implementing Regulations (2)
- Regulation of the President of the Council of Ministers of April 29, 2024, on payments to cover the costs of supervision over lending institutions
- Regulation of the Minister of Finance of 31 October 2023 on information provided in reports on the activities of lending institutions regarding the granting of consumer credit
Amending Acts (19)
- Law of July 29, 2011 on amending the Banking Law and certain other laws · 2011-08-26
- Law of August 19, 2011, amending the Law - Banking Law and the Law on consumer credit · 2011-10-27
- Law of September 14, 2012, on amending the law on consumer credit and the law on the liability of collective entities for offenses punishable by penalty · 2013-01-01
- Law of October 23, 2013, amending the Law on Financial Market Supervision and certain other laws · 2014-01-17
- Law of 23 October 2014 on reverse mortgage · 2014-12-15
- Law of May 30, 2014, on Consumer Rights · 2014-12-25
- Law of 7 November 2014 on facilitating business activities · 2015-01-01
- Law of 5 August 2015 amending the Law on Financial Market Supervision and certain other laws · 2015-10-11
- Law of March 23, 2017 on mortgage credit and on supervision of mortgage credit intermediaries and agents · 2017-07-22
- Law of 10 May 2018 amending the Law on payment services and certain other laws · 2018-06-20
- Law of 21 February 2019 amending certain laws in connection with ensuring the application of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) · 2019-05-04
- Law of August 11, 2021, amending the Code of Civil Procedure and certain other laws · 2021-09-24
- Law of November 18, 2020, on electronic delivery · 2021-10-05
- Law of 6 October 2022 on amending laws to counteract usury · 2023-05-18
- Law of August 16, 2023, on amending certain laws in connection with ensuring the development of the financial market and the protection of investors in this market · 2023-09-29
- Law of 14 April 2023 on consumer pawn loans · 2024-01-07
- Law of March 20, 2024, amending the Civil Code, the consumer credit law, and the pawnbroker consumer loan law · 2024-04-29
- Law of July 7, 2023, on amending certain laws to limit certain effects of identity theft · 2024-06-01
- Law of December 20, 2024, on entities servicing loans and loan purchasers · 2025-02-19
Amended Acts (6)
- Law of 9 April 2010 on the provision of economic information and the exchange of economic data · 2011-12-18
- Law of October 28, 2002, on the liability of collective entities for offenses punishable by law. · 2011-12-18
- Law of 2 March 2000 on the protection of certain consumer rights and on liability for damage caused by a dangerous product. · 2011-12-18
- Law of August 29, 1997 - Banking Law. · 2011-12-18
- Law of December 14, 1995 on Credit Unions. · 2011-12-18
- Law of 20 May 1971 Code of Petty Offences. · 2011-12-18
Information on Consolidated Text (8)
- Announcement of the Marshal of the Sejm of the Republic of Poland of 26 September 2025 on the promulgation of the consolidated text of the law on consumer credit
- Announcement of the Marshal of the Sejm of the Republic of Poland of September 26, 2024, on the announcement of the consolidated text of the law on consumer credit
- Announcement of the Marshal of the Sejm of the Republic of Poland of April 12, 2023, on the announcement of the consolidated text of the Act on consumer credit
- Announcement of the Marshal of the Sejm of the Republic of Poland of November 17, 2021, on the promulgation of the consolidated text of the law on consumer credit
- Announcement of the Marshal of the Sejm of the Republic of Poland of May 16, 2019, on the promulgation of the consolidated text of the law on consumer credit
- Announcement of the Marshal of the Sejm of the Republic of Poland of May 9, 2018, on the promulgation of the consolidated text of the Act on Consumer Credit
- Announcement of the Marshal of the Sejm of the Republic of Poland of 23 August 2016 on the promulgation of the consolidated text of the law on consumer credit
- Announcement of the Marshal of the Sejm of the Republic of Poland of September 26, 2014, on the promulgation of the consolidated text of the Law on Consumer Credit
Acts referring to this act
- Repealing Acts: Law of July 20, 2001, on consumer credit.
- Repealing Acts: Law of May 22, 2003 on amending the Law on Consumer Credit
- Amending Acts: Law of 2 March 2000 on the protection of certain consumer rights and on liability for damage caused by a dangerous product.
- Amending Acts: Law of December 14, 1995 on Credit Unions.
- Amending Acts: Law of 9 April 2010 on the provision of economic information and the exchange of economic data
- Amending Acts: Law of 20 May 1971 Code of Petty Offences.
- Amending Acts: Law of August 29, 1997 - Banking Law.
- Amending Acts: Law of October 28, 2002, on the liability of collective entities for offenses punishable by law.
- Amended Acts: Law of December 20, 2024, on entities servicing loans and loan purchasers
- Amended Acts: Law of July 7, 2023, on amending certain laws to limit certain effects of identity theft
- Amended Acts: Law of March 20, 2024, amending the Civil Code, the consumer credit law, and the pawnbroker consumer loan law
- Amended Acts: Law of 14 April 2023 on consumer pawn loans
- Amended Acts: Law of August 16, 2023, on amending certain laws in connection with ensuring the development of the financial market and the protection of investors in this market
- Amended Acts: Law of 6 October 2022 on amending laws to counteract usury
- Amended Acts: Law of November 18, 2020, on electronic delivery
- Amended Acts: Law of August 11, 2021, amending the Code of Civil Procedure and certain other laws
- Amended Acts: Law of 21 February 2019 amending certain laws in connection with ensuring the application of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation)
- Amended Acts: Law of 10 May 2018 amending the Law on payment services and certain other laws
- Amended Acts: Law of March 23, 2017 on mortgage credit and on supervision of mortgage credit intermediaries and agents
- Amended Acts: Law of 5 August 2015 amending the Law on Financial Market Supervision and certain other laws
- Amended Acts: Law of 7 November 2014 on facilitating business activities
- Amended Acts: Law of May 30, 2014, on Consumer Rights
- Amended Acts: Law of 23 October 2014 on reverse mortgage
- Amended Acts: Law of October 23, 2013, amending the Law on Financial Market Supervision and certain other laws
- Amended Acts: Law of September 14, 2012, on amending the law on consumer credit and the law on the liability of collective entities for offenses punishable by penalty
- Amended Acts: Law of August 19, 2011, amending the Law - Banking Law and the Law on consumer credit
- Amended Acts: Law of July 29, 2011 on amending the Banking Law and certain other laws
- References: Law of 5 August 2015 on the handling of complaints by financial market entities, on the Financial Ombudsman and on the Financial Education Fund
- References: Law of May 30, 2014, on Consumer Rights
- References: Law of October 10, 2012, on amending the law on credit unions
- References: Law of January 27, 2012, on amending the law on final settlement in payment systems and securities settlement systems and the rules of supervision over these systems, the law on certain financial instruments and the law on bankruptcy and restructuring
- References: Law of August 19, 2011, amending the Law - Banking Law and the Law on consumer credit
- References: Law of November 30, 2016, amending the law on payment services and certain other laws
- References: Regulation of the Minister of Finance of 23 June 2016 on the detailed scope of data subject to exchange between institutions established under banking law and lending institutions and other entities
- References: Law of 15 January 2016 on tax on certain financial institutions
- Legal Basis: Regulation of the President of the Council of Ministers of April 29, 2024, on payments to cover the costs of supervision over lending institutions
- Legal Basis: Regulation of the Minister of Finance of 31 October 2023 on information provided in reports on the activities of lending institutions regarding the granting of consumer credit
- Legal Basis from Art.: Regulation of the President of the Council of Ministers of April 29, 2024, on payments to cover the costs of supervision over lending institutions
- Legal Basis from Art.: Regulation of the Minister of Finance of 31 October 2023 on information provided in reports on the activities of lending institutions regarding the granting of consumer credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of April 12, 2023, on the announcement of the consolidated text of the Act on consumer credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of September 26, 2014, on the promulgation of the consolidated text of the Law on Consumer Credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of September 26, 2024, on the announcement of the consolidated text of the law on consumer credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of 23 August 2016 on the promulgation of the consolidated text of the law on consumer credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of November 17, 2021, on the promulgation of the consolidated text of the law on consumer credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of May 16, 2019, on the promulgation of the consolidated text of the law on consumer credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of 26 September 2025 on the promulgation of the consolidated text of the law on consumer credit
- Consolidated Text for an Act: Announcement of the Marshal of the Sejm of the Republic of Poland of May 9, 2018, on the promulgation of the consolidated text of the Act on Consumer Credit