II C 1396/22
AI generated
Electronic credit contract conclusion via bank is exempt from Art. 46 ust. 3 of Payment Services Act.
Poland (PL)
Legislator summary
AI generatedThe court ruled that Article 46, paragraph 3 of the Payment Services Act does not apply to credit contracts concluded electronically through a bank. The plaintiff argued the regulation should cover all electronic agreements, but the defendant contended that bank-mediated transactions fall under specific banking regulations. The court decided the provision is inapplicable because the law explicitly excludes such transactions from its scope.
Legislator headnote
AI generatedArt. 46 ust. 3 ustawy o usługach płatniczych; The provision does not apply to the conclusion of credit contracts via electronic banking.
Keywords
AI generated
Payment Services Act
electronic banking
credit contract
statutory exclusion
consumer protection
financial regulation
digital agreements
Cited Legislation
AI generatedArt. 46 ust. 3 ustawy o usługach płatniczych
Art. 46 ust. 3 ustawy o usługach płatniczych nie ma zastosowania do zawierania, za pośrednictwem bankowość elektronicznej, umów kredytu.
Full text
Art. 46 ust. 3 ustawy o usługach płatniczych nie ma zastosowania do zawierania, za pośrednictwem bankowość elektronicznej, umów kredytu.