We make no secret of the fact that much of our practice is associated with financial institutions. Therefore, it will not come as a surprise when we start introducing specific changes accompanying a major amendment to consumer law. While it is true that financial institutions will not be affected by most of the major changes in the Civil Code (such as restrictions on telephone contracts), they alone will be limited in the means of distance communication they can use only to those the consumer does not reject. Some means of distance communication, such as payphones, will even require explicit consent.
Financial institutions are not the only ones who will be affected by the introduction of the concept of abusive provisions (instead of the current disproportionate provisions) for provisions that are not taken into account due to their adverse effect on consumers, unless the consumer invokes them himself. At the same time, the list of these provisions was expanded. The private law consequences remain the same, but there are also new public sanctions in the form of very high fines for abusive provisions.