Information obligations of payment service providers in Poland and Europe
Main Article Content
Abstract
Development of financial markets and the increasing mobility of consumers enforces the introduction of international regulations and creating a basis for the functioning of the single EU market for financial services. The article discusses the main reporting obligations of payment service providers, as well as regulations introduced by the Law of August 19, 2011 on payment services, referred to the EU Directive 2007/64 /EC of the European Parliament and of the Council of November 13, 2007, on payment services in the local market.
Downloads
Article Details
The author of the article declares that the submitted article does not infringe the copyrights of third parties. The author agrees to subject the article to the review procedure and to make editorial changes. The author transfers, free of charge, to SGH Publishing House the author's economic rights to the work in the fields of exploitation listed in the Article 50 of the Act of 4 February 1994 on Copyright and Related Rights – provided that the work has been accepted for publication and published.
SGH Publishing House holds economic copyrights to all content of the journal. Placing the text of the article in a repository, on the author's home page or on any other page is allowed as long as it does not involve obtaining economic benefits, and the text will be provided with source information (including the title, year, number and internet address of the journal).
References
2007 r. w sprawie usług płatniczych w ramach rynku wewnętrznego zmieniająca dyrektywy 97/7/
WE, 2002/65/WE, 2005/60/WE i 2006/48/WE i uchylająca dyrektywę 97/5/WE (Dz.U. L 319,
05/12/2007 P.0001-0036).
2. EBI [2009], Guidance for the implementation of the Payment Services Directive, European Banking
Industry PSD Expert Group, August 2009.
3. EC [2013], Study on the impact of directive 2007/64/EC on payment services in the internal market
and on the application of regulation (EC) No 924/2009 on cross-border payments in the Community,
London Economics and iff in association with PaySys, European Commission.
4. Łętowska E. [2002], Prawo umów konsumenckich, Warszawa, C.H. Beck.
5. Łętowska E. [2004], Europejskie prawo umów konsumenckich, Warszawa, C.H. Beck.
6. Kaszubski R., Obzejta Ł. [2012], Karty płatnicze w Polsce, Warszawa, Wydawnictwo Wolters Kluwer.
7. Mikłaszewicz P. [2008], Obowiązki informacyjne w umowach z udziałem konsumentów na tle prawa
Unii Europejskiej, Warszawa, Wolters Kluwer Polska.
8. Olszewski A. [2009], Pozycja prawna użytkownika w umowie o kartę płatniczą, Centrum Badań
Problemów Prawnych i Ekonomicznych Komunikacji Elektronicznej, 26 listopada.
9. Rutkowska-Tomaszewska E. [2009], Naruszenie obowiązków informacyjnych banków w prawie umów
konsumenckich, Warszawa, Wolters Kluwer Polska.
10. Srokosz W. [2010], Zakres stosowania Dyrektywy PSD (Payment Services Directive), „Kwartalnik
Naukowy Prawo Mediów Elektronicznych”.
11. Ustawa z dnia 23 kwietnia 1964 r. – Kodeks cywilny (Dz. U., Nr 16, poz. 93 z późn. zm.)
12. Ustawa z dnia 19 sierpnia 2011 r. o usługach płatniczych (Dz.U., z 2011 r., Nr 199, poz. 1175,
z późn. zm.)
13. Vandezande N. [2014], Between bitcoins and mobile payments: will the European Commission’s new
proposal provide more legal certainty?, ”International Journal of Law and Information Technology”,
Vol. 22 (3), Autumn.