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Bartosz Wyżykowski
Warsaw Office
Ogrodowa City Gate
ul. Ogrodowa 58
00-876 Warsaw
tel. +48 22 652 26 18

Cracow Office
ul. Jana Kilińskiego 2
30-308 Cracow
tel. +48 12 315 18 41
Bartosz Wyżykowski is an attorney-at-law, member of the Warsaw Bar Associacion. He graduated from the Faculty of Law and Administration of the University of Warsaw. He is also a graduate of the School of German Law by the Faculty of Law and Administration of the University of Warsaw. He cooperated with one of the largest employers' organizations in Poland,. Between 2016 and 2018 he was the deputy director of the Bank and Capital Market Client Department in the Office of the Financial Ombudsman.
He specializes in financial market regulations, payment services and consumer regulations, with particular emphasis on consumer credit and mortgage loan regulations. Speaker at scientific and business conferences concerning to these issues, as well as the author of publications in this field. Bartosz engaged in the legislative procedure regarding financial market regulations in Poland and on the EU level.

He provides legal services in Polish, English and German
  1. „Identification and verification of the absent customer (digital onboarding)”, AML regulations amendments and practical aspects of their implementation, MMConferences S.A., online, April 2021.
  2. „Launching new products and services”, Internal governance in banks based on Recommendation Z, MMConferences S.A., online, February 2021.
  3. „Including individual business owners in consumer protection laws from the point of view of a cooperative bank”, training for a firm in the banking sector, online, December 2020.
  4. „An individual business owner has consumer rights as of 1 January 2021”, New complaint handling procedures in financial institutions following legislative developments effective as of 1 January 2021, MMConferences S.A., online, December 2020.
  5. „The practical side of introducing cloud computing in a bank”, A practical approach to EBA and Polish Financial Supervision Authority (KNF) outsourcing and cloud computing requirements, MMConferences S.A., online, December 2020.
  6. „Complaint handling and liability for payment transactions”, The payment services market under current laws and envisaged changes to the law, and practical problems, MMConferences S.A., online, November 2020.
  7. „Prohibited clauses in agreements with individual business owners”, “Right to withdraw from distance and off-premises contracts”, “Litigation and the implications of a contractual clause being ruled unfair” – co-speaker, Including individual business owners in consumer protection laws from the point of view of the financial services market, MMConferences S.A., online, March 2020.
  8. „The disclosure obligation and effective communication with banking customers”, New products, obligations, and liability in the bank-customer relationship under PSD2 and other regulations, MMConferences S.A., Warsaw, December 2019.
  9. „The CBP Regulation: transparency of FX costs”, Uregulowani 2019+ workshops DLK Legal, Warsaw, October 2019.
  10. „Issues relating to liability for unauthorized payment transactions under PSD2”, VI Financial Market Regulation Congress, Warsaw, October 2019.
  11. „Customer service under PSD2, financial market complaint procedures”, Puls Biznesu, Warsaw, September 2019.
  12. „Obligatory complaint procedures for operators on the financial market”, Special rules on payment service provider complaint procedures”, joint speaker at both presentations, Financial market complaints procedure – legal and practical aspects, MMConferences S.A., Warsaw, May 2019.
  13. „Practical aspects of raising individual claims regarding misselling”, II National Consumer Conference, Uniwersytet Wrocławski, November 2018.
  14. „Amendment clauses, the viewpoint of the Financial Ombudsman”, VI. Information and Banking Law Congress 2018, Związek Banków Polskich, Warszawa, June 2018.
  15. „Electronic payment transactions – how the Financial Ombudsman provides support for customers in disputes with financial institutions”, National Scientific Conference Consumer, protection on the financial services market, electronic distribution channels, University of Lodz, May 2018.
  16. „Protection of a debtor – preferential status or balance between the parties?” – debate, signs of consumercentrism in legislation”, April Consumer Credit Days, Serock, April 2018.
  17. „Fin-tech, or how new technologies are changing financial services – opportunities and risks”, student workshops, principles of liability for unauthorized payment transactions online, Wrocław University Economics Days, April 2018.
  18. „The world of digital finance – risks and threats”, 2018 Consumer Congress - who is creating the digital consumer?, Warsaw, March 2018.
  19. „The financial services market: investment, banking, and insurance services”, V Euroregional Scientific Conference, University of Rzeszow, January 2018.
  20. „Payment transaction disputes between customers and banks – the Financial Ombudsman perspective”, 19th seminar in the series IT in financial institutions, liability of banks for theft of money from accounts, legal regulations and case law, IT Promotion Centre, Warsaw, December 2017.
  21. „The sector as perceived by stakeholders”, VIII Debt Management Congress, Warsaw, November 2017.
  22. „Regtech – regulatory technologies and the financial sector” – discussion panel, VIII Anti-fraud  Congress, Warsaw, November 2017.
  23. „The effect of regulation on banks’ strategies – discussion panel, XIII Banking Forum meeting of banking and insurance leaders, Warsaw, April 2017.
  24. „The consumer finance market from the Financial Ombudsman perspective”, Consumer Finance Congress. What will the future be for the Consumer Finance market? Centrum Giełdowe, Warsaw, December 2016.
  25. „Customer issues on the bancassurance market”, VIII Bancassurance Congress, what we have in common is the customer, Józefów, October 2016.
  26. „Legal aspects of the dangers of operating long-term savings products from the Financial Ombudsman perspective”, Long-term savings scientific conference, Szkoła Główna Handlowa w Warszawie, June 2016.
  27. „Common European Sales Law
  28. „Benefits of the proposal for consumers and businesses – what an optional regime could offer for consumers and businesses” – discussion panel, European Contract Law – unlocking the internal market potential for growth, Warsaw, November 2011.
  29. „Konfederacja Lewiatan standpoint on the Optional Instrument”, What will become of the European contractual law instrument, Kozminski University, Warsaw, October 2011
  30. „The response of the Polish Confederation of Private Employers Lewiatan (PKPP Lewiatan)”, Green Paper from the Commission on policy options for progress towards a European Contract Law for consumers and businesses - Responses of the Law Society of England and Wales and the Polish Confederation of Private Employers Lewiatan (PKPP Lewiatan), Universite de Luxembourg, June 2011.
  1. „Consumer” protection for certain individuals running their own business – selected issues, online Kwartalnik Antymonopolowy i Regulacyjny 2020, issue 7(9), pp. 63.
  2. New Technologies and Liability for Unauthorised Payment Transactions in the Light of Current Case Law [in:] Public and Private Law and the Challenges of New Technologies and Digital Markets. Volume II. Legal Aspects of FinTech, C.H. Beck, 2020, pp. 191.
  3. Payment of court fees through payment service providers, Finanse i Prawo Finansowe, vol. 3(27), September 2020 r., pp. 175.
  4. Review of case law on unauthorized payment transactions, Monitor Prawa Bankowego, nr 09 (118) September 2020 r., pp. 75.
  5. Continued effectiveness of an agreement once provisions within it are found to be unfair – comment on ECJ judgment of 3.10.2019, C-260/18, Kamil Dziubak and Justyna Dziubak v. Raiffeisen Bank International AG, Europejski Przegląd Sądowy, 3/2020, pp. 35.
  6. Liability for unauthorized payment transactions in light of the changes resulting from PSD2, internetowy Kwartalnik Antymonopolowy i Regulacyjny 2019, 8(8), pp. 101.
  7. Complaint resolution procedures under the Polish Payment Services Act - Monitor Prawa Bankowego, 12 (109) December 2019.
  8. Revolving credits under the Polish Consumer Credit Act – selected issues, Monitor Prawniczy 23/2019.
  9. Access to information on a durable medium in light of the current case law of the Court of Justice of the European Union [in:] Information on the financial services market, PWE, Warsaw, 2019.
  10. The extraordinary complaint in the civil procedure – selected issues, Studies in Public Law 2018 No. 4 (24).
  11. The principles of debt restructuring based on the provisions of the law on mortgage loans and on the supervision of mortgage brokers and agents, Internetowy Kwartalnik Regulacyjny i Antymonopolowy 6(7)2018, pp. 21.
  12. Competence of the Financial Ombudsman to impose fines on financial market entities, Studies in Public Law 2018 No. 3 (23).
  13. Effective consumer protection and effective judicial protection for entrepreneurs, Case comment to the judgment of the Court of Justice of the European Union (Fifth Chamber) of 21 December 2016 in Case C-119/15 Biuro podróży ‘Partner’ sp. z o.o. sp.k. w Dąbrowie Górniczej v. Prezes Urzędu Ochrony Konkurencji i Konsumentów, Internetowy Kwartalnik Regulacyjny i Antymonopolowy 4(7)2018, pp. 107.
  14. The Financial Ombudsman’s competence to submit observations to the court as an instrument aiming to protect clients of financial market entities, Studies in Public Law 2018 No. 3 (23).
  15. Effects connected with the finding of unfairness of a contract term by a court in an incidental proceeding, Internetowy Kwartalnik Regulacyjny i Antymonopolowy 8(6)2017, pp. 76.
  16. EU case law favorable for the consumer, Dziennik Gazeta Prawna, July 2017.
  17. Legal aspects regarding long-term savings products in the Financial Ombudsman's practice, Long-term saving Attitudes, strategies and challenges, J. Rutecka-Góra [editor], Warsaw School of Economics Publishing House, Warsaw School of Economics, Warsaw 2016, pp. 339.
  18. Sanctions for the lack of a recycling network for old cars, Rzeczpospolita, October 2015.
  19. Changes protect unreliable debtors, Dziennik Gazeta Prawna, 31 March, 2015.
  20. Too many restrictions for creditors of dead entities, Dziennik Gazeta Prawna, 28 October, 2014.
  21. The right to information about a business partner, Puls Biznesu, 21 August 2014.
  22. Only the entry of a clause in the register is a signal for other companies, Dziennik Gazeta Prawna, 12 August 2014.
  23. Consumer bankruptcy requires changes, but balanced, Dziennik Gazeta Prawna, 5 June 2014.
  24. Not only debtors' rights deserve protection, Dziennik Gazeta Prawna, 17 April 2014.
  25. Abstract verification of terms in standard form contracts, Przegląd Prawa Handlowego, 2013 No. 10, pp. 30.
  26. Legal doubts about the banking fee, Dziennik Gazeta Prawna, 20 May 2013.
  27. An amendment pointed at entrepreneurs, Puls Biznesu, 26 March 2013.
  28. The amendment will hit honest companies, Dziennik Gazeta Prawna, 25 March 2013.