The aim:
1. Present comprehensive knowledge about the specific financial services, threats and capabilities of violations of consumer interest in the financial services arising from it specificity.
2. Familiar with the whole legal regulations according to financial services.
3. The acquisition by the student’s skills effectively protect their interest against fraud on the part of the financial institution providing financial services.

Acquired knowledge:
1. Student acquires comprehensive and in- depth knowledge about financial services.
2. Student knows the rules of provision financial services.
3. Student knows the legal regulation in the area of financial services.
4. Student has knowledge of the basic institutions of consumer protection.

Acquired skills:
1. Student knows and understands legal basics financial services.
2. Student can solve basic problems associated with the financial services.
3. Student has the ability to create standard legal papers (letters, documents) and the preparation of oral presentations in the field of financial services.

Acquired social skills:
1. Student correctly identifies the threats associated with the financial services.
2. Student is aware of the need to intensify their knowledge of financial services and the role of legal regulation in this area.
3. Student using the knowledge of financial knowledge is able to think and act creatively and to rationalize their actions on the financialmarket.

Course contents: 
1. Concept, characteristics and specificity of financial services. Financial services client (retail client, professional client, consumer). Sources of threats and risks for financial services clients. Regulation of financial services in the EU.
2. Entities providing financial services legally in the EU. Rules for taking up and pursuing activities in the provision of financial services (in the financial market) in the EU.
3. New technologies in the financial services market. Fin-Tech – conceptual and regulatory problems. Benefits of the threat. Risks for consumers and challenges.
4. Financial services agreements and their regulation in the EU – general characteristics and regulatory trends in the EU. Costs of financial services (Financial Services Charges – interest, fees, commissions and other costs incurred by customers). Obligations of financial institutions to financial services clients.
5. General characteristics of deposit services, banking services, credit type services (bank credit, loan, mortgage credit, consumer credit, consumer mortgage credit, reverse mortgage credit, leasing), insurance services and their distribution; payment services, investment services (the detailed characteristics of these services will be made as part of the exercises).

Recommended reading: 
1. Economics of money, banking, and financial markets (PDF), Mishkin F., Pearson. Boston 2011.
2. Financial markets and institutions , Mishkin F., Eakins S. , Pearson Education Limited,2018.. Harlow, England 2018.
3. Public and Private Law and the Challenges of New Technologies and Digital Markets. Legal Aspects of FinTech. Volume 2, (volume 2),, ed. Bani E.,Pachuca- Smulska B., Rutkowska-Tomaszeska E. , C.H. Beck. Warsaw 2020.

Additional reading: 
1. Financial security and information from financial markets , Plastun A., Centre of Sociological Research. Szczecin 2019.
2. List of the KNF’s public warnings as the financial market protection instrument, Ochman P., IUS NOVUM 2017/4. 2017 https://iusnovum.lazarski.pl/iusnovum/article.
3. Consumer Protection Law in Poland from the Perspective of EU Law, Pachuca- Smulska B. (ed.), C.H. Beck. Warszawa 2017.
4. The role of the financial supervision authority and the situation of the client on the financial services market with special emphasis on the banking services market, (PDF), Rutkowska-Tomaszewska E. , Wroclaw Review of Law, Administration [and] Economics – Vol. 2, No 2 2012. Wrocław 2012.
5. The Significance of Good Banking Practice in the contractual relations of banks with their clients. PDF, Rutkowska-Tomaszewska E. , Emerging Markets. Vol. 2, nr 3 (2010).
6. Polish Financial Law, Dobaczewska A., Drwiłło L.(ed.), Gdansk University Press. Gdańsk 2019. Pp: 53-75, 87-113, 183-201.
7. Financial markets – current issues, Chodnicka -Jaworska P., Czerwińska T., Wydawnictwo Naukowe Wydziału Zarządzania Uniwersytetu Warszawskiego. Warszawa 2018 https://pz.wz.uw.edu.pl/resources/html/artic.
8. Current trends in consumer protection regulations in the financial services market in Poland [in:] Consumer rights protection : threats and opportunities for enhancing consumer awareness / Sławomir Smyczek (ed.) Katowice : , Rutkowska-Tomaszewska E. , Uniwersytet Ekonomiczny w Katowicach . Katowice 2020, p. 72-86.
9. Education and financial awareness as factors influencing responsible purchasing and use of consumer credit services by consumers [in:] Consumer rights protection : threats and opportunities for enhancing consumer awareness, Paleczna M. , Uniwersytet Ekonomiczny w Katowicach . Katowice 2020, p. 150-160.
10. Public and Private Law and the Challenges of New Technologies and Digital Markets. Legal Aspects of FinTech. Volume 2, (volume 2),, edited byBani E., Pachuca- Smulska B., Rutkowska-Tomaszeska E. , C.H. Beck. Warsaw 2020.