Wyniki wyszukiwania - Biblioteka Nauki

1

Postanowienia Ustawy z dnia 23 marca 2017 r. o kredycie hipotecznym oraz o nadzorze nad pośrednikami kredytu hipotecznego i agentami oraz rekomendacji S Komisji Nadzoru Finansowego a zapobieganie kryzysom bankowości hipotecznej

100%

Fedorowicz M.

|

nr 4 (20)

9-30

EN

On 23 March 2017, the Act on mortgage credit and supervision of mortgage credit intermediaries and agents was passed, which implements Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010. The Act on mortgage credit under examination contains consumer protection standards for mortgage banking services, which can pursue objectives and perform macro-prudential functions in the ﬁ nancial system. The Act also provides for the supervision of mortgage intermediaries and their agents providing mortgage credit services, rightly considering that since this is a matter of macro-prudential substance and capable of having an impact on ﬁ nancial stability, a comprehensive supervision of the activities of mortgage intermediaries and agents is justiﬁ ed. The aim of the study is to (i) examine the provisions of the Act on mortgage credit from the perspective of its macro-prudential content; (ii) reconstruct this potentially macro-prudential content; (iii) assess the regulatory arrangements for credit intermediaries and residential immovable property agents adopted by the Act; and (iv) address the issue, relevant to the theory of ﬁ nancial market law, of the interference between private and public law rules in terms of their macro-prudential content and macro-prudential policy. It is also intended to perform a comparison of the provisions of the Act on mortgage credit with selected recommendations of Recommendation S of the Financial Supervision in order to assess their macro-prudential nature and the appropriateness of the regulatory solutions adopted by means of an act or by means of national soft banking law to which Recommendation S belongs.

2

Konstrukcja finansowego stosunku prawnorynkowego a nadzór makroostrożnościowy na rynku ubezpieczeniowym

100%

Fedorowicz M.

|

2018

|

tom 115

145-161

EN

The aim of this paper is to explain the concept of the financial market law privity and its applicability through the regulation of macroprudential supervision on the financial market in the insurance sector. The observed interference of the public and private norms in the financial market, shown using the example of the financial market law privity created under financial market law, is significant in the area of macroprudential supervision and therefore the theoretical and practical issues surroung this topic are discussed together in this paper. The conclusions of the article show the possible applicability of the theoretical construction of the financial market law privity on the practical questions of the insurance sector.

3

System kontroli wewnętrznej w bankach a instytucja kontroli zarządczej w jednostkach sektora finansów publicznych

100%

Fedorowicz M.

Studia Prawa Publicznego

|

2018

|

nr 3 (23)

51-73

EN

The aim of the study is to analyse two selected supervision institutions: the management control in the public finance sector and the internal control system in banks as examples of regulatory and supervision institutions, having regard to their functional similarities in the two areas of financial law: public finance law and financial market law, and banking law. The study was inspired by the desire to answer the question about the essence of internal control in public finance (management control), which shows, at least in terms of the control objectives, many elements characteristic for internal control systems operating in banks. The aim of the article is also to answer the question about the way of understanding the notion of “internal control” under the banking law and public finance law, its essence, objectives, functions, as well as the coherence of the understanding of the objectives and criteria of internal control in the widely understood financial law areas. However, the research objective is also to show the differences between management control and internal control as supervision institutions, which due to the specificity of the controlled financial matters are separate and thereby allow to present the functions of control institutions related to the needs specific to particular areas of the broadly understood financial law and a multi-faceted approach to the most effective use of control institutions.

4

An Analysis of EBA Soft Law on the Payment Services Market

63%

Fedorowicz M. , Zalcewicz A.

|

nr 1

2-7

PL

Celem opracowania Analiza soft law EBA na rynku usług płatniczych stało się po pierwsze, dokonanie materialnej rekonstrukcji głównych typów soft law EBA dla rynku usług płatniczych i pogrupowanie powstałej stąd materii w oparciu o wyodrębnione tematycznie określone przez EBA standardy i wzorce postępowań, tak dla dostawców usług płatniczych, jak i dla konsumenta rynku usług płatniczych oraz nadzorców (np. w zakresie agregacji danych). Po drugie, celem przedstawianego artykułu było również wyodrębnienie i nazwanie wynikających stąd funkcji i roli, jakie soft law EBA pełni na rynku usług płatniczych. Trzecim zamierzeniem badawczym stało się udzielenie odpowiedzi na pytanie czy w porównaniu do soft law z pozostałych segmentów rynku finansowego UE można w odniesieniu do soft law EBA na rynku usług płatniczych argumentować o istnieniu szczególnej specyfiki czy podziału.

EN

The objective of this paper, entitled “An Analysis of EBA Soft Law on the Payment Services Market” is firstly to reconstruct the substantive content of the main types of EBA soft law for the payment services market and group the resulting findings according to thematically classified procedural standards and principles (as related, for example, to data aggregation) specified by EBA both for payment services providers, consumers and supervisory authorities. The second aim is to identify and classify the functions and roles arising therefrom and fulfilled by EBA soft law for the payment services market. The third research goal of this project is to answer the following question: is it possible to argue that EBA soft law on the payment services market has a special or distinct character compared to soft law from other segments of the European Union’s financial market?