POLAND Law and Practice Contributed by: Marcin Olechowski, Wojciech Iwański, Tytus Brzezicki and Piotr Orłowski, Sołtysiński Kawecki & Szlęzak
Domestic Developments Personal ID verification
Banks must also verify PESEL numbers when making an amendment to the above-mentioned agreements resulting in an increase of the debt. In the event that the PESEL number has been “blocked” and the bank has concluded or amended the contract, it cannot: • require the consumer and their legal succes - sors to satisfy a claim; or • sell a claim arising from that contract.
From 1 June 2024, banks, loan companies, lessors, credit unions, notaries and telecom - munications are required to verify personal ID numbers (“PESEL numbers”) of customers in the government’s PESEL ( Powszechny Elektroniczny System Ewidencji Ludności (Universal Electronic System for Registration of the Population)) Num - ber Reservation Register to see whether it was not “blocked” by the consumer. The verification is intended to help tackle the financial fraud based on stolen data. Banks are required to verify PESEL numbers – in particular, before entering into the following agreements: • a savings account and a savings and check - ing account; • a payment service agreement referred to in Article 3(1)(4) of the Act of 19 August 2011 on payment services, if it provides for the con - clusion of a credit or loan agreement; • bank credit; and • a loan.
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