Home / Dz.U. 2012 poz. 855
Law of 5 November 2009 on credit unions
Ustawa z dnia 5 listopada 2009 r. o spółdzielczych kasach oszczędnościowo-kredytowych
Type
Law (Ustawa)
Status
act has a consolidated text (akt posiada tekst jednolity)
Announced
2009-11-05
Entry into force
2012-10-27
Texts
The consolidated text (tekst ujednolicony) is unofficial; only the signed PDFs from Dziennik Ustaw / Monitor Polski are legally authentic.
Keywords
FundsFinancial Economycooperative savings and credit unionssupervisionregisterscooperativesmutual benefit fundsdocumentssecuritiesaccountingprawo bankoweCredits and loans
Related acts
Repealed Acts (1)
- Law of December 14, 1995 on Credit Unions. · 2012-10-27
Implementing Regulations (18)
- Regulation of the Minister of Finance of April 15, 2025, amending the Regulation on reports of credit unions and the National Credit Union
- Regulation of the Minister of Finance of December 19, 2023, amending the regulation on reports of cooperative savings and credit unions and the National Cooperative Savings and Credit Union
- Regulation of the Council of Ministers of 20 April 2022 amending the regulation on documents related to the activities of credit unions prepared on data carriers
- Regulation of the Minister of Finance of March 1, 2020, on the identification of a credit union in the IT system servicing the seizure of receivables from a bank account
- Regulation of the President of the Council of Ministers of 26 September 2019 on contributions for supervision over credit unions and the National Credit Union
- Regulation of the Council of Ministers of 27 December 2017 on documents related to the activities of credit unions prepared on data carriers
- Regulation of the Minister of Development and Finance of 28 June 2017 on reports of credit unions and the National Credit Union
- Regulation of the Minister of Finance of 15 July 2014 on the detailed procedure for carrying out control activities of the National Savings and Credit Union in savings and credit unions
- Regulation of the Minister of Finance of June 18, 2014, on the detailed procedure for carrying out control activities by the Financial Supervision Authority in credit unions and the National Credit Union
- Regulation of the Minister of Finance of May 28, 2014, on the list of documents attached by a credit union to the application for a permit to conclude an agreement with a foreign entrepreneur
- Regulation of the Minister of Finance of February 12, 2014, repealing the regulation on permissible risk norms in the activities of credit unions
- Regulation of the Chairman of the Council of Ministers of 22 August 2014 on payments for financing the costs of supervision over credit unions and the National Credit Union
- Regulation of the Minister of Finance of January 8, 2013 on reporting information of credit unions and the National Credit Union
- Regulation of the Prime Minister of 8 March 2013 on the contribution to cover the costs of the National Savings and Credit Cooperative's activities and the supervision exercised by the Financial Supervision Authority
- Regulation of the Minister of Finance of August 27, 2013, on the solvency ratio of a credit union
- Regulation of the Minister of Finance of January 18, 2013, on control activities in credit unions and the National Credit Union
- Regulation of the Minister of Finance of October 22, 2012 on the norms of permissible risk in the activities of credit unions
- Regulation of the Minister of Finance of 21 February 2014 on reporting information of credit unions and the National Credit Union
Amending Acts (74)
- Law of October 10, 2012, on amending the law on credit unions · 2012-10-25
- Law of April 19, 2013, amending the law on credit unions and certain other laws · 2013-06-12
- Law of 12 July 2013 on amending the Law on Payment Services and certain other laws · 2013-10-07
- Law of 11 October 2013 on mutual assistance in the recovery of taxes, customs duties and other monetary claims · 2013-11-21
- Law of September 25, 2015 on amending the Banking Law and certain other laws · 2015-11-27
- Law of 24 July 2015 on amending the Law on mortgage bonds and mortgage banks and certain other laws · 2016-01-01
- Law of October 9, 2015 on amending the law on payment terms in commercial transactions, the Civil Code, and certain other laws · 2016-01-01
- Law of May 15, 2015 - Restructuring Law · 2016-01-01
- Law of March 31, 2016, on amending the law on investment funds and certain other laws · 2016-06-04
- Law of October 9, 2015 on amending the Banking Law and certain other laws · 2016-07-01
- Law of 10 June 2016 on Counter-Terrorist Actions · 2016-07-02
- Law of 10 June 2016 amending the Law - Family and Guardianship Code and certain other laws · 2016-08-20
- Law of 10 July 2015 amending the Civil Code, the Code of Civil Procedure and certain other laws · 2016-09-08
- Law of 5 September 2016 on trust services and electronic identification · 2016-10-07
- Law of June 10, 2016, on the Bank Guarantee Fund, the deposit guarantee scheme, and resolution · 2016-10-09
- Law of 15 December 2016 amending the Law - Code of Civil Procedure and certain other laws · 2017-01-18
- Law of November 30, 2016, amending the law on payment services and certain other laws · 2017-02-08
- Judgment of the Constitutional Tribunal of July 31, 2015, case file K 41/12 · 2017-02-14
- Law of January 26, 2017, amending the Law on Credit Unions and certain other laws · 2017-02-14
- Law of November 16, 2016, - Provisions introducing the Law on the National Revenue Administration · 2017-03-01
- Law of 23 March 2017 amending the Penal Code and certain other laws · 2017-04-27
- Law of 11 May 2017 on statutory auditors, auditing firms and public oversight · 2017-06-21
- Law of 14 December 2016 - Provisions introducing the Law - Education Law · 2017-09-01
- Law of November 24, 2017 on amending certain laws to counteract the use of the financial sector for tax fraud · 2018-01-13
- Law of 9 November 2017 on amending the law on certain rights of employees of the office serving the minister competent for internal affairs and officers and employees of offices supervised by this minister and certain other laws · 2018-01-27
- Law of 8 December 2017 on the State Protection Service · 2018-02-01
- Law of 6 March 2018 - Provisions introducing the Law - Entrepreneurs' Law and other laws concerning economic activity · 2018-04-30
- Law of May 10, 2018 on the protection of personal data · 2018-05-25
- Law of 10 May 2018 amending the Law on payment services and certain other laws · 2018-06-20
- Law of 15 December 2017 on amending the law on value added tax and certain other laws · 2018-07-01
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Amended Acts (13)
- Law of April 2, 2004, on certain financial security instruments · 2012-10-27
- Law of July 2, 2004 on freedom of economic activity · 2012-10-27
- Law of August 24, 2001, on final settlement in payment systems and securities settlement systems and on the supervision of these systems. · 2012-10-27
- Law of August 29, 1997 - Banking Law. · 2012-10-27
- Law of August 29, 1997, on the National Bank of Poland. · 2012-10-27
- Law of December 14, 1994, on the Bank Guarantee Fund. · 2012-10-27
- Law of 29 September 1994 on accounting. · 2012-10-27
- Law of June 17, 1966, on enforcement proceedings in administration. · 2012-10-27
- Law of August 19, 2011, on payment services · 2012-10-27
- Law of 7 May 2009 on Statutory Auditors and their Self-Government, Entities Authorised to Audit Financial Statements, and Public Oversight · 2012-10-27
- Law of 12 February 2009 on the granting of support by the State Treasury to financial institutions · 2012-10-27
- Law of July 21, 2006, on financial market supervision. · 2012-10-27
- Law of July 22, 2006, on the European cooperative. · 2012-10-27
Information on Consolidated Text (12)
- Announcement of the Marshal of the Sejm of the Republic of Poland of November 22, 2019, on the promulgation of the consolidated text of the Act on credit unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of April 17, 2026, on the promulgation of the consolidated text of the Law on Credit Unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of March 6, 2025, on the promulgation of the consolidated text of the Law on Credit Unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of February 26, 2024, concerning the promulgation of the consolidated text of the Law on Credit Unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of June 16, 2023, on the promulgation of the consolidated text of the law on credit unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of March 23, 2022, on the announcement of the consolidated text of the Act on Credit Unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of September 16, 2021, on the announcement of the consolidated text of the law on credit unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of 16 September 2020 on the promulgation of the consolidated text of the law on credit unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of 29 November 2018 on the promulgation of the consolidated text of the Act on credit unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of October 13, 2017, on the promulgation of the consolidated text of the law on credit unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of October 26, 2016, on the promulgation of the consolidated text of the law on cooperative savings and credit unions
- Announcement of the Marshal of the Sejm of the Republic of Poland of November 18, 2013, concerning the announcement of the consolidated text of the Act on cooperative savings and credit unions
References (11)
- Law of February 16, 2007, on competition and consumer protection
- Law of 27 May 2004 on investment funds and the management of alternative investment funds
- Law of April 24, 2003, on public benefit activities and volunteering
- Law of May 22, 2003, on insurance intermediation
- Law of October 10, 2002, on the minimum wage for work.
- Law of July 20, 2001, on consumer credit.
- Law of 6 June 1997 - Code of Criminal Procedure
- Law of 6 June 1997 - Penal Code
- Law of December 14, 1994, on the Bank Guarantee Fund.
- Law of September 16, 1982 on Cooperative Law.
- Law of June 14, 1960, Code of Administrative Procedure.
Constitutional Tribunal Ruling (1)
Acts referring to this act
- Repealing Acts: Law of December 14, 1995 on Credit Unions.
- Amending Acts: Law of 29 September 1994 on accounting.
- Amending Acts: Law of April 2, 2004, on certain financial security instruments
- Amending Acts: Law of July 2, 2004 on freedom of economic activity
- Amending Acts: Law of July 22, 2006, on the European cooperative.
- Amending Acts: Law of July 21, 2006, on financial market supervision.
- Amending Acts: Law of August 29, 1997, on the National Bank of Poland.
- Amending Acts: Law of August 29, 1997 - Banking Law.
- Amending Acts: Law of 12 February 2009 on the granting of support by the State Treasury to financial institutions
- Amending Acts: Law of August 24, 2001, on final settlement in payment systems and securities settlement systems and on the supervision of these systems.
- Amending Acts: Law of December 14, 1994, on the Bank Guarantee Fund.
- Amending Acts: Law of 7 May 2009 on Statutory Auditors and their Self-Government, Entities Authorised to Audit Financial Statements, and Public Oversight
- Amending Acts: Law of June 17, 1966, on enforcement proceedings in administration.
- Amending Acts: Law of August 19, 2011, on payment services
- Amended Acts: Law of 29 May 2026 amending the Tax Ordinance and certain other laws
- Amended Acts: Law of January 23, 2026, on amending the law on the functioning of cooperative banks, their association and associated banks, and certain other laws
- Amended Acts: Law of July 25, 2025, amending the Law - Banking Law and certain other laws
- Amended Acts: Law of August 5, 2025, on the amendment of the law - Banking Law and certain other laws
- Amended Acts: Law of June 25, 2025, amending certain laws in connection with ensuring the operational digital resilience of the financial sector and the issuance of European green bonds
- Amended Acts: Law of 9 May 2025 amending the Law on the Prison Service and certain other laws
- Amended Acts: Law of December 20, 2024, on entities servicing loans and loan purchasers
- Amended Acts: Law of May 23, 2024, on amending the law on the exchange of tax information with other countries and certain other laws
- Amended Acts: Law of July 7, 2023, on amending certain laws to limit certain effects of identity theft
- Amended Acts: Law of April 14, 2023, on amending the law on value added tax and certain other laws
- 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 July 7, 2023 on the Pan-European Personal Pension Product
- Amended Acts: Law of May 26, 2023, on the next additional annual monetary benefit for pensioners and disability pensioners
- Amended Acts: Law of March 9, 2023, on amending the law - Code of Civil Procedure and certain other laws
- Amended Acts: Law of December 1, 2022, on the Financial Information System
- Amended Acts: Act of December 1, 2022, on amending the Act on the handling of complaints by financial market entities and on the Financial Ombudsman, and on certain other acts
- Amended Acts: Law of 6 October 2022 on amending laws to counteract usury
- Amended Acts: Law of July 22, 2022, on amending the law on the Prison Service and certain other laws
- Amended Acts: Law of July 7, 2022, on crowdfunding for economic ventures and assistance to borrowers
- Amended Acts: Law of May 26, 2022, on the additional annual monetary benefit for pensioners and annuitants in 2022
- Amended Acts: Law of December 17, 2021, on amending certain laws in connection with the establishment of the Central Bureau for Combating Cybercrime
- Amended Acts: Law of October 1, 2021, amending the Law on trading in financial instruments and certain other laws
- Amended Acts: Law of 30 March 2021 on amending the Law on Counteracting Money Laundering and Financing of Terrorism and certain other laws
- Amended Acts: Law of January 21, 2021, on an additional annual monetary benefit for pensioners and disability pensioners in 2021
- Amended Acts: Law of 11 September 2019 - Provisions introducing the Law - Public Procurement Law
- Amended Acts: Law of 11 September 2019 amending the law on administrative enforcement proceedings and certain other laws
- Amended Acts: Law of 17 September 2020 on amending the law on special solutions related to the prevention, counteraction and combating of COVID-19, other infectious diseases and crisis situations caused by them, and certain other laws
- Amended Acts: Act of February 13, 2020, amending the Act - Code of Civil Procedure and certain other acts
- Amended Acts: Law of 9 January 2020 on the additional annual monetary benefit for pensioners and annuitants.
- Amended Acts: Law of July 19, 2019, on the amendment of certain laws to limit payment gridlocks
- Amended Acts: Law of 31 July 2019 amending certain laws to reduce regulatory burdens
- Amended Acts: Law of July 31, 2019, on supplementary benefit for persons unable to live independently
- Amended Acts: Law of 12 April 2019 amending the law on value added tax and certain other laws
- Amended Acts: Law of March 15, 2019 on amending the Law on Supervision of the Financial Market 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 17 January 2019 on amending the Act on the Bank Guarantee Fund, the deposit guarantee scheme and the resolution of banks, and certain other acts