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Law protecting Swiss franc mortgage holders in court

New rules protect people with Swiss franc-denominated mortgages from banks during court disputes. From the moment a lawsuit is filed, borrowers don't have to pay installments, and banks cannot terminate the contract or report arrears to credit bureaus.
Key points
Suspension of loan payments from the day the lawsuit is filed – no risk of contract termination by the bank.
Banks cannot report arrears to credit bureaus, financial institutions, or related entities.
Faster and cheaper court proceedings: single judge in appeal court, option to withdraw lawsuit/appeal with half fee refund.
Bank bears court costs if it filed a set-off statement and the claim was dismissed.
Rules apply also to ongoing court cases.
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Previous:
Passed House
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Status:
Became Law
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Additional Information
Rządowy projekt ustawy o szczególnych rozwiązaniach w zakresie rozpoznawania spraw dotyczących zawartych z konsumentami umów kredytu denominowanego lub indeksowanego do franka szwajcarskiego.
Print number: PROJEKT USTAWY 1758
Process start date: 2025-10-06
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: kimi-k2.5
Source data: api.sejm.gov.pl
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Summary & Status

Key Questions about Law protecting Swiss franc mortgage holders in court

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is PROJEKT USTAWY 1758.

When did the legislative process begin?

The process officially started on 2025-10-06.

What are the main provisions?

Key points include:

  • Suspension of loan payments from the day the lawsuit is filed – no risk of contract termination by the bank.
  • Banks cannot report arrears to credit bureaus, financial institutions, or related entities.
  • Faster and cheaper court proceedings: single judge in appeal court, option to withdraw lawsuit/appeal with half fee refund.
  • Bank bears court costs if it filed a set-off statement and the claim was dismissed.
  • Rules apply also to ongoing court cases.

What is the specific legal status?

The current status is Became Law.

Where can I read the full text of this legislation?

The full official text is available at: View full text

What is the latest detailed status?

The latest detailed status is: Uchwalono

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-09-07.

Analysis and Potential Impact of PROJEKT USTAWY 1758

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

CATEGORIES

Courts and Law Real Estate Economy