Easier Bank Access to ZUS Data with Citizen Consent
The new law allows banks and lending institutions to access ZUS contribution settlement data, but only with the explicit consent of the citizen. This aims to facilitate obtaining credit or a loan, as financial institutions will be able to assess the applicant's financial situation more quickly. Consent is a one-time authorization for a specific entity.
Key points
Banks and lending companies can access your ZUS contribution data if you give your consent.
Access to data is intended to facilitate and speed up the process of applying for credit, loans, or other financial services.
Your consent is voluntary, one-time, and granted to a specific institution, and ZUS will record to whom and when you gave it.
The law comes into force 12 months after its announcement, allowing time for preparation for the changes.
54%
VOTING RESULTS
2025-09-12
For
230
Against
198
Abstain
1
Status:
Enacted
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