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Registered pledge reforms: time limits and digital registry

The act introduces a 20-year time limit for registered pledges, extendable by another 10 years. It transforms the pledge registry into a fully digital system, making access to information easier and procedures faster. The changes affect people taking loans for vehicles and other movable property.
Key points
Registered pledges automatically expire after 20 years unless extended by 10 years – previously there was no such limit.
The pledge registry becomes fully digital – applications and extracts can be handled online.
Courts will verify applicant data against PESEL and REGON registers – this increases transaction security.
For vehicle pledges, expiration information will automatically reach the vehicle registry – buyers can more easily check legal status.
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Previous:
Passed House
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Status:
Became Law
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Additional Information
Rządowy projekt ustawy o zmianie ustawy o zastawie rejestrowym i rejestrze zastawów oraz ustawy - Prawo o ruchu drogowym.
Print number: PROJEKT USTAWY 2498
Process start date: 2026-05-06
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
Source data: api.sejm.gov.pl
AI work logs for this document launch
Summary & Status

Key Questions about Registered pledge reforms: time limits and digital registry

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 2498.

When did the legislative process begin?

The process officially started on 2026-05-06.

What are the main provisions?

Key points include:

  • Registered pledges automatically expire after 20 years unless extended by 10 years – previously there was no such limit.
  • The pledge registry becomes fully digital – applications and extracts can be handled online.
  • Courts will verify applicant data against PESEL and REGON registers – this increases transaction security.
  • For vehicle pledges, expiration information will automatically reach the vehicle registry – buyers can more easily check legal status.

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 2026-07-17.

Analysis and Potential Impact of PROJEKT USTAWY 2498

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.

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Courts and Law Economy Informatization