Consumer credit

Contract documentation

ftl’s lawyers have many years of experience in drafting and evaluating contractual documentation – both used in the context of relations with consumer borrowers (model contracts, terms and conditions, information clauses, etc.) and in relations with entities working with lending institutions, banks and their providers (insourcers, agents, cooperating payment service providers, etc.).

When creating or reviewing contracts or other contractual documentation, we are driven by perfectionism, striving to address our clients’ business needs to the fullest extent possible, while seeking to mitigate the legal risk. We keep abreast of changes in the law and jurisprudence, aiming to keep our client’s documentation and practices up to date with changes in legislation or the attitudes of the authorities.


ftl’s offer includes advice on the implementation by lending institutions and banks of new solutions related to and including online consumer lending. We develop all proposals for legal and regulatory solutions with a view to maximising the business needs identified by our clients while ensuring their compliance with the law.

Advice on day-to-day business

ftl supports entities of the Polish lending sector in their day-to-day operations, e.g. in reviewing their marketing activities, monitoring legislative and case-law changes that may have an impact on the operations of lending institutions, resolving day-to-day issues related to the provision of services to consumers and entrepreneurs or cooperation with external service providers. The experience of ftl team members allows us to provide clients with full legal support in their activities, not only to ensure their compliance with the law, but also in order to use regulatory opportunities for optimal business solutions.

Defending the interests of banks in legal proceedings and before supervisory authorities

ftl lawyers have many years of experience in defending the interests of entities in the Polish lending sector in proceedings before common courts, arbitration courts and supervisory authorities.