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dr Konrad Stolarski

Partner, attorney at law, Doctor of Laws LinkedIn

Partner and attorney at law. Doctor of Laws of the Jagiellonian University of Krakow. For many years active as an associate professor at the Krakow University of Economics and lecturer at numerous other Polish Universities and organizations. Scientific scholar of the Universitat Internacional de Catalunya in Barcelona. Recommended every year in all major international legal rankings, in particular in the banking and finance category of Legal 500 (since 2021) and in Chambers Fintech (since 2021). In the biggest Polish law firm ranking of "Rzeczpospolita" recognized as market leader in the field of FinTech (2022) and recommended in the field of capital markets and regulatory advisory (since 2023).

Board Member of the European Payment Institutions Federation (EPIF). Legal expert of the Polish Organisation of Non-banking Payment Institutions (PONIP) and foreign and domestic financial and credit institutions. Coordinator of the working group on the digitalisation of corporate banking within the Banking Technology Forum at the Polish Bank Association, as well as a member of the working group on distributed registers and blockchain at the Ministry of Digitalisation, working group on artificial intelligence (GRAI) and Crypto asset group at the FinTech Poland Foundation.
Member of the Polish Association of European Law and the Polish Association of New Technologies' Law.

Konrad specialises and practices in the areas of financial market regulation and new technology law, competition law, tax law and anti-money laundering and counter financing of terrorism issues. He has many years of experience in representing clients before administrative authorities and common
and administrative courts, including in cross-border proceedings. He has advised on a number of multijurisdictional projects that are simultaneously governed by various national and international legal orders and participated in the legislative process at the stage of drafting key laws for the financial
market both at the national and EU level.

He provides services in Polish, English and Spanish.

Training sessions, workshops and speeches

  • 2025
    • “PSD3 and PSR - Can anything still surprise us at this stage?”, presentation at the Digital Banking Academy training organized by the Polish Bank Association, online, February 2025.
  • 2024
    • „European Payment Institutions Federation (EPIF) 9th Annual Conference 2024 European Payments: On the Road to 2030 - Completing the EU Single Market for Payments” - presentation at the EPIF conference as a representative of the Polish Non-Banking Payment Institutions Organization, Brussels, November 2024.
    • „Leveraging Poland's AML and Financial Crime Expertise on the World Stage" - presentation at the Warsaw Finance Week conference, organized by Future Finance Poland, November 2024.
    • "FinCrime/AML and MICA: What Will Change for Polish FinTechs in the New Regulatory Environment?" – presentation as part of the Polish edition of Financial Crime Fighters 2024, organized by FinTech Poland, October 2024.
    • “Regulation of the Crypto-Assets Market” – introductory presentation and panel participation at the Legal FinTech 2024 conference, legal challenges in the financial technology sector, September 2024.
    • "KIP meets crypto and MiCAR. What to expect, what to pay attention to, and what to think about in order to profit from new regulations" – internal training for a national payment institution, August 2024.
    • "Europeanization of Law and the Role of CJEU Jurisprudence in Banking Legal Regulation" – presentation as part of the 11th Banking Law Congress organized by the Polish Bank Association and the Center for Banking Processes and Information, Warsaw, June 2024.
    • "MiCA Regulation. E-money Tokens in MiCAR" – training organized for the members of the Fintech Poland Foundation ecosystem, May 2024.
    • “MiCAR is around the corner. What will the new crypto-asset regulation rules change for banks and banking activities?” – presentation at the Digital Banking Academy organized by the Polish Banks Association, online, March 2024.
    • "MiCA Regulation – place in the financial market regulation system, basic assumptions and definitions, including crypto-asset services and their provision conditions, as well as financial sector entities as CASPs – points of contact and key assumptions" – training organized for FinTech Poland, February 2024.
  • 2023
    • "Anti-Money Laundering and Counter-Terrorist Financing" – training for board members of a leading national payment institution, December 2023.
    • "Anti-Money Laundering and Counter-Terrorist Financing" – training for members of the Polish Non-Banking Payment Institutions Organization, November 2023.
    • "The Future of Payment Services - What Innovations Are Introduced by PSD3 and PSR" – training for the Institute of Banking Law Training, October 2023.
    • "Legal FinTech 2023. Legal Challenges in the Financial Technology Sector" – conference organized by C.H. Beck Publishing and the Association of New Technology Law, September 2023.
    • "Secondary Shocks" in Payments - The 5 key changes brought by PSD3 and PSR" – webinar for the Institute of Banking Law Training, online, September 2023.
  • 2022
    • "From the KNF Questionnaire to the Challenges of (Joint?) Handling of Higher-Risk Industries. Regulatory and Legal Perspectives on the Cooperation Between Banks and Fintechs" – presentation during the training "Banks and Fintechs – Competition, Cooperation, Hybrid Banks", part of the Digital Banking Academy organized by the Polish Banking Association, December 2022.
    • "Regulatory Requirements for Entities in the Crypto Asset Sector" – introductory presentation at the III Scientific Conference "New Regulatory and Supervisory Challenges in Financial Innovation", Warsaw, October 2022.
    • "AML Requirements for Obliged Entities – Customer Relations" – training for a foreign exchange market entity, October 2022.
    • "Cryptocurrency Exchange as an AML Obliged Entity" – internal training for a cryptocurrency industry entity, September 2022.
    • "Crypto in Poland, What You Need to Know” – Crypto Cast, Gunnercooke, Spotify, April 2022.
  • 2021
    • "Implementation of AML in a Multi-Industry Obliged Entity" – internal training for an IT and eCommerce sector entity, December 2021.
    • "Challenges of Digitizing Corporate Banking" – presentation as part of the Digital Banking Academy organized by the Polish Banking Association, Warsaw, December 2021.
  • 2020
    • "Principles of EU Lawmaking vs National Banking Regulations" – training for employees of the Polish banking regulator, online, December 2020.
    • "EU Legislative Process" – training for employees of the Polish banking regulator, online, September 2020.
    • "EBA Guidelines and Conclusions vs AML Challenges in the Era of Financial Digitalization" – presentation as part of the Digital Banking Academy organized by the Polish Banking Association, Warsaw, March 2020.
  • 2019
    • "AML financial security measures and personal data processing," Schola Legem Scientific Conference: "GDPR in the context of the latest EU regulations," Kraków, December 2019.
    • "Legislative and supervisory activities as a means of controlled integration of cryptocurrencies and blockchain technology," 1st Scientific Conference "Alternative Investments," Lublin, November 2019.
    • "AML vs RODO: Customer verification after the implementation of the sectoral GDPR Act," Practical aspects of implementing AML requirements in financial institutions, MMConferences S.A., Warsaw, October 2019.
    • "Legal and tax Implications of qualification of activities related to payment instrument services," 2nd National Scientific Conference on Tax Law, "Tax law in the legal system. Interbranch relations of legal norms and institutions," Kraków, June 2019.
    • "Trust services and electronic identification," training for legal counsels of the polish banking supervisor, Stara Wieś, June 2019.
    • "Split payment VAT collection mechanisms and their potential impact on the EU market of payment technologies and services", MIC Conference 2019 Managing Geostrategic Issues, Opatija, Croatia, May 2019.
    • "Legal aspects of the commercial use of artificial intelligence," presentation within the framework of the technology workshops: "Use of artificial intelligence in customer service," Warsaw, March 2019.
    • "Data integrity in blockchain technology and the legal framework for its application in banking practice," presentation at the Digital Banking Academy organized by the Polish Bank Association, Warsaw, March 2019.
    • "Money Talks: Blockchain's impact on business and finance," panel discussions at the Chartered Institute of Management Accountants conference, Kraków, February 2019.
  • 2018
    • "Legal and tax issues of virtual property taxation," 4th Wrocław International Conference on Financial Law and Public Finance "Public finance law regulations and economic development," Wrocław, November 2018.
    • "The New act on counteracting money laundering and terrorist financing," training for an entity from the precious metals trading sector, Warsaw, July 2018.
    • "Financial transaction reporting in compliance with AML requirements," Transaction management in financial institutions under the AML regime, MMConferences S.A., Warsaw, April 2018
  • 2017
    • "Fintech Licensing," PSD-2-GO, Fintech professionals workshop, Warsaw, December 2017.
    • "Access to payment accounts by TPP," "Key uncertainties of the PAD Directive," Payment schemes and accounts in light of new regulations, MMConferences S.A., Warsaw, September 2017.
    • "AML and the world of virtual currencies. The crack in the door to regulatory supervision in the EU?", Legal regulations of the blockchain technology and digital currencies in the world, Blockchain Technology Center, Łazarski University, Warsaw, May 2017.
    • "Relationships between TPPs and banks in light of competition law," Payment Services Market in light of the PSD2 Directive, MMConferences S.A., Warsaw, June 2017.
    • "Opportunities for international expansion in the EU for insurance intermediaries," Insurance distribution after IDD Implementation, MMConferences S.A., Warsaw, June 2017.
    • "Payment schemes," Basic accounts and payment schemes in light of the latest regulations, Warsaw, May 2017.
    • "Recent changes in payment services law. The PAD Directive," Seminar on the amendment of the payment services act and PSD II, ISPB, Warsaw, April 2017.
    • "Fintech meets competition. Issues of competition law and unfair competition regulations," Transaction services and TPP operations in light of the PSD II Directive, MMConferences S.A., Warsaw, February 2017.
  • 2016
    • "Recognition of virtual currency exchange platforms and virtual currency account providers as obliged entities," Managing the risk of fraud, Abuse, and financial scams, MM Conferences S.A., Warsaw, November 2016.
    • "Conditions for the development of mobile payments under PSDII in the telecommunications sector," Issues of Payment Services in the telecommunications industry, MM Conferences S.A., Warsaw, September 2016.
    • "Bank accounts. Upcoming changes and current issues," ISPB, Warsaw, May 2016.
  • 2015
    • "Payment Services Directive II," internal training for a banking sector entity, November 2015.
    • "Regulation of new forms of currency exchange activities," Intelligent and sustainable economy promoting social inclusion – challenges for the legal systems of the European Union and member states, National Scientific Conference, Gródek nad Dunajcem, May 2015.
    • "Environmental protection, the EU internal market, and EU competition law," lectures for a public administration sector entity, Jagiellonian University, Kraków, March 2015.
  • 2011
    • "Effect on trade concept in EU competition law and the application of art. 101 and 102 of the Treaty by state competition authorities - reflections on the UOKiK President decision of November 23rd 2010 regarding the alleged DVB-H services cartel", International Scientific Conference, Kraków, January 2011.
  • 2010
    • "Outline of the legal status of mediation and the profession of mediator in polish law from the perspective of EU Law," Jagiellonian Mediation Days, Kraków, May 2010.

We share knowledge by writing

  1. K. Stolarski (współautor), Rozporządzenie Parlamentu Europejskiego i Rady (UE) 2020/1503 z 7.10.2020 r. w sprawie europejskich dostawców usług finansowania społecznościowego dla przedsięwzięć gospodarczych oraz zmieniające rozporządzenie (UE) 2017/1129 i dyrektywę (UE) 2019/1937. Komentarz [w:] K. Osajda (red. serii), J. Dybiński (red. tomu), Rozporządzenie Parlamentu Europejskiego i Rady (UE). Komentarz Legalis (Online) 2024.
  2. K. Stolarski, Wpływ MiCA na regulacyjnoprawne uwarunkowania prowadzenia działalności z wykorzystaniem kryptoaktywów w Polsce i UE, Monitor Prawniczy 9/2023 – dodatek.
  3. K. Stolarski (red.), P. Dąbek (red.), Ordynacja Podatkowa. Prawo Materialne i Procesowe. Warszawa 2023.
  4. K. Stolarski (współautor), Rekomendacje w zakresie sztucznej inteligencji w sektorze finansowym. Raport przygotowany przez ekspertów grupy roboczej ds. sztucznej inteligencji podgrupa ds. sektora finansowego, Warszawa 2022.
  5. K. Stolarski (współautor), Ustawa o usługach płatniczych. Komentarz [w:] K. Osajda (red. serii), J. Dybiński (red. tomu), Ustawa o usługach płatniczych. Komentarz Warszawa 2022.
  6. K. Stolarski (współautor), "Hedging of price elements - regulatory and tax considerations". Kwartalnik Prawa Podatkowego, nr 1/2020.
  7. K. Stolarski, "Prawnopodatkowe aspekty tokenizacji prawa własności", [w:] "Własność lokali. Teraźniejszość i perspektywy", red. A. Kaźmierczyk, E. Badura, Warszawa 2020.
  8. K. Stolarski (współautor), "Identyfikacja i uwierzytelnienie w usługach elektronicznych – Przewodnik", Warszawa 2020.
  9. K. Stolarski, "Split Payment VAT Collection Mechanisms and Their Impact on the EU Market of Payment Technologies and Services", [w:] MIC 2019: Managing Geostrategic Issues, red. S. Sedmak, S. Laporšek, M. Nahitgal, Koper 2019.
  10. K. Stolarski, "Etyka i sprawiedliwość w prawie podatkowym w dobie ograniczania luki podatkowej oraz BigTech", [w:] "Prawo podatkowe w systemie prawa. Międzygałęziowe związki norm i instytucji prawnych", red. A. Franczak, A. Kaźmierczyk, Warszawa 2019.
  11. K. Stolarski, "Interpretowanie polskich przepisów o przeciwdziałaniu praniu pieniędzy i finansowaniu terroryzmu w kontekście RODO", Monitor Prawa Bankowego, nr 07-08/2019.
  12. K. Stolarski, "Prawny i podatkowy status walut wirtualnych w kontekście wprowadzenia do prawa polskiego definicji legalnej waluty wirtualnej", Monitor Podatkowy, nr 09/2018.
  13. K. Stolarski (współautor), "Forma czynności prawnej dokonanej odręcznym podpisem biometrycznym", Przegląd Prawa Handlowego, nr 7/2018.
  14. K. Stolarski, "Bank account infrastructure as an indispensable means to provide financial services - the essential facilities doctrine revisited", European Competition Law Review 39, Issue 3/2018.
  15. K. Stolarski, "Transgraniczne świadczenie usług płatniczych w państwach członkowskich UE i EOG", Monitor Prawa Bankowego, nr 7-8/2017.
  16. K. Stolarski, "Zakaz nadużywania pozycji dominującej na rynkach telekomunikacyjnych w prawie Unii Europejskiej", Warszawa 2015.
  17. K. Stolarski, Glosa do wyroku Sądu Unii Europejskiej z dnia 15 grudnia 2010 r., T-141/08 E.ON. Energie, Lex/el. 2012.
  18. K. Stolarski, "Fines for the lack of cooperation within antitrust proceedings – the ultimate weapon for antitrust authorities?", Yearbook of Antitrust and Regulatory Studies 2011, nr 4(5).
  19. K. Stolarski, Glosa do wyroku Trybunału Sprawiedliwości z dnia 8 lipca 2010 r., C-171/08 Portugal Telecom, Lex/el. 2010.
  20. K. Stolarski (współautor), Mediacja konkursowa ICC, ADR Arbitraż i Mediacja, nr 4 (8)/2009.