Legislation We Administer
AAIF administers and enforces a range of financial services, insurance and consumer protection legislation within the Republic of Poland.
Under the AAIF Act and related regulatory framework, AAIF is responsible for administering and enforcing legislation governing:
- Financial services licensing and supervision
- Asset assurance and investor protection frameworks
- Insurance contracts and policyholder protection
- Consumer credit and lending practices
- Financial accountability and governance standards
AAIF also administers relevant provisions of legislation relating to:
- Banking and prudential supervision (in coordination with competent authorities)
- Life and general insurance regulation
- Retirement savings and pension-related financial products
- Financial dispute resolution and complaint handling mechanisms
- Anti-money laundering (AML) and counter-terrorist financing (CFT) obligations, where applicable
Official legal texts may be accessed through the national legislative register of the Republic of Poland.
Unfair Contract Terms
AAIF administers and enforces legislation relating to unfair terms in standard form consumer and small business financial contracts. The law empowers courts to determine whether a contractual term is unfair. If a term is found to be unfair, it is rendered void and unenforceable, while the remainder of the contract continues to apply where legally possible. Unfair contract protections apply to financial products and services, including insurance contracts and consumer credit agreements. These provisions support AAIF’s mandate to promote transparency, strengthen consumer confidence and ensure fair, orderly and efficient financial markets.
An Independent Regulator.
Acting in the Public Interest.
AAIF (Asset Assurance And Insurance Fund) is responsible for regulating and supervising asset assurance, insurance, and financial service activities to promote fair, transparent and efficient markets.
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