Remarks to the Act on the Specific Rules of Restructuring Foreign Currency Home Loans in Connection with the Change of Foreign Currencies Rates as against the Polish Currency passed on August 5, 2015

The article concerns selected issues pertaining to the scope of application of the Act on the Specific Rules of Restructuring Foreign Currency Home Loans in Connection with the Change of Foreign Currencies Rates to the Polish Currency passed on August 5, 2015. As the legislative procedure had not been completed before the VII term of Parliament ended, the Act could not have been presented to be signed by the President. That is why it never entered into force. The Act prescribes specific rules for restructuring foreign currency home loans in connection with the change of foreign currencies rates as against the Polish currency, especially with the slump of Polish zloty (PLN) in relation to Swiss franc (CHF). The aim of this paper is to present some disputable provisions of the Act, especially those governing its scope of application. This is pertinent as the questions whether Parliament should enact a law restructuring foreign currency home loans and what should its scope of application be have generated considerable controversy. In this paper we put forward some remarks on the legal model espoused in the Act and propose some alternative solutions.

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