The consumer credit market has evolved considerably in recent years, mainly due to increased interest from regulators. Both at national and European level.

Work on the European Media Freedom Act (EMFA) is nearing completion.

The new phenomenon of hyper-personalisation is the result of technological amplification, whereby previous personalisation, limited in its simplicity by technological capabilities, takes on a new dimension by fully exploiting the potential of AI, ML or Big Data.

It is becoming increasingly risky for employers to hire employees under both employment and B2B (sole proprietorship) contracts when it comes to employee social security contributions.

Sale and leaseback transactions are becoming increasingly popular with companies, and for good reason as they offer the opportunity to raise financially attractive capital relatively quickly.

New EU thresholds and updated PLN exchange rate

According to the current wording of the Electronic Service Act of 18 November 2020, and the Communication of the Minister of Digital Affairs of 29 May 2023, the implementation of the National e-Service System was originally scheduled to cover the first category of obligated entities from 10 December 2023.

Recently, banks have questioned the tax treatment of reimbursements to CHF mortgage borrowers in the event that a CHF mortgage agreement is declared invalid by a final and non-appealable judgement.

In our new series, ‘Spaces of the Future’, we look at the key principles of the reform.