Biography of the Professor
E. Rutkowska Tomaszewska an associate professor dr hab. hab.) of legal sciences, Research and Didactic Fellow at the Faculty of Law, Administration and Economics, University of Wrocław. Her area of expertise is financial law, and particularly financial market law. She is particularly interested in banking law, financial services law, with special focus on client (mostly: consumer) protection, as well as public law of the financial market, inc luding issues of financial market supervision. Author of numerous publications regarding the above research area, including four monographs “Ochrona prawna klienta na rynku usług bankowych [Legal Protection of the Client in the Banking Services Market]”, W arsaw 2013; “Nieuczciwe praktyki na rynku bankowych usług konsumenckich [Unfair Practices in the Customer Banking Services Market]”, Warsaw 2011; “Naruszenie obowiązków informacyjnych banków w prawie umów konsumenckich [Breach of the Banks’ Information Obl igations in Consumer Contract Law]”, Warsaw 2009; “Bankowe wzorce umowne [Banking Contract Templates]”, Branta 2002). Co author of the Commentary to the Act of 2 March 2000 on Protection of Certain Consumer Rights and Liability for Damage Caused by Hazardo us Product, Warsaw 2013 (electronic version), and of the Commentary to the Act on Consumer Rights, Warsaw 2015 Since May 1, 2013 an arbiter of the Arbitration Court at Polish Financial Supervision Authority (KNF) . Since December 2016 member of the Advisor y Scientific Committee at the Financial Ombudsman Office, and member of the Jury of the Financial Ombudsman Competition for the best BA, MA, PhD and post Competition for the best BA, MA, PhD and post–graduate thesis on client protection in the graduate thesis on client protection in the financial market.financial market. She is an active speaker and participant She is an active speaker and participant of discussion in many conferences; organizer of of discussion in many conferences; organizer of conferences and seminars devoted to the issues of the broadly defined financial market law. conferences and seminars devoted to the issues of the broadly defined financial market law. Possesses several years of practical experience in holding training sessions on the financial Possesses several years of practical experience in holding training sessions on the financial market law both for pmarket law both for private and public entities. Author of expert analyses and opinions within rivate and public entities. Author of expert analyses and opinions within the said area.the said area.

Requirements for passing a course
Written grading, four questions from the list below, two general questions and two detail questions. To pass a student needs 50%, for B – 80%, for A – 90%

Exam questions
1. Bank- concept, specificity. Bank on the financial market- concept, specific. 
2. Banking actives, banking operations, banking services, banking assessment. 
3. Bank as a special financial institution – bank as a entrepreneur (characteristics) specific, regulation. 
4. Role of the bank in economy- concept, specificity, functions. 
5. Credit intermediation (concept, specificity, regulation, assumptions, entities authorised to perform credit intermediation services). 
6. Types of banks accord Polish regulation, universal and commercial bank, specialised banks (e.g. merchant banks, issuing houses, private banks). 
7. Banking system – concept, assumptions, structure, the legal bases of banking system action, institutional framework for banking system. 
8. Banking system’s safety net- concept, specificity, functions, structure. 
9. Central Banking- concept, specificity, functions. Independence of central bank. 
10. Central Bank of Poland- Narodowy Bank Polski- concept, functions, structure, Monetary Policy Council. 
11. Objectives and financing instruments of monetary policy. 
12. European Central Bank System- concept, assumptions, structure, regulation, institutional framework for ESBC. 
13. Monetary policy functions of the European System of Central Banks. 
14. Banking supervision- concept, assumptions, functions, models. 
15. Baking supervision in Poland- Polish Financial Supervision Authority (legal framework, the aim of the supervision, tasks and objectives, supervision measures). 
16. Deposit Insurance Scheme in Poland- concept, assumptions, functions, institutional framework, the aim of the Deposit Insurance Scheme. 
17. The Bank Guarantee Fund’s- concept, assumption, functions, the aim of the guarantee, contribute to the stability of the financial system in Poland. 
18. Banking risk- concept, specificity, types, interconnectedness between banking risks, reductions banking risks.
19. Credit risk – general and specific- individual credit risk (concept, specificity, models of reduction). 
20. The position and financial activity of banks, founds of bank, assessment of the financial and economic bank situation. 
21. Basic assessment indicators the financial and economic bank situation, application of prudential rules. 
22. Deposit activity- (concept, assumptions, entities authorised to perform deposti services, types, regulation, the right and obligation of service provider and client- user). 
23. Bank account, agreement of bank account (concept, assumptions, specificity). 
24. Types of bank account (current, savings, securities accounts, for individual client, for entrepreneurs, for local authorities). 
25. Banking clearing and settlement services (concept, types, forms). Banking clearing and payment services. 
26. Methods of non- cash settlement and payment instruments- credit transfer, direct debits, cheques (paper and electrionic), plastic and virtual payment card (charge card, credit card, debit card, prepaid card), banking incaso, letters of credit, settlement. 
27. Co- banking settlement system (concept, forms, regulations, standards, application of prudential rules). 
28. Mobile payment – concept, specificity, regulation, assumptions, framework. 
29. Credit services (concept, assumptions, entities authorised to perform credit services).
30. Loan- concept, specificity, assumptions. 
31. Loan agreement- elements, regulation. 
32. Types of credit – consumer credit, bank credit, mortgage credit, the reverse mortgage (concept, assumptions, entities authorised to perform credit services, regulations). 
33. Credit policies and procedures- stage in credit procedures, loan application. 
34. Creditworthiness assessment- concept, specificity, regulation, assumption, methods (credit rating, credit scoring). 
35. Banking concentration limits and involvment. 
36. Legal form of securing bank loans (mortgage, bancassuracne)- concept, specificity, regulation, assumption. 
37. Classifications of loan portfolio, banking special – purpose reverse (concept, specificity, regulation, assumption, limits). 
38. Individual, complementary, supervision macroprudential, consolidated supervision.

Sources
1. The Regulation of the Single Financial Market in the European Union. A New Dimension. Jurkowska- Zeidler Anna Maria, Białostockie Studia Prawnicze, z. 5, 2009, pages: 115-124 
2. Creation and enforcement of financial market law in the light of the economisation of law, // Nieborak Tomasz, Wydawnictwo Naukowe UAM, Poznań 2016, pages from: 258. 
3. The banking act, the foreign exchange act, the act on mortgage bonds, and mortgage banks : bilingual edition Polish-English / red. Tomasz Rodzik. – Stan prawny: styczeń 2005. – Warszawa : C.H.Beck, 2005. 
4. Banking and financial markets after global crisis of the years 2008-2010 / ed. by Adam P. Balcerzak ; Nicolaus Copernicus University. Faculty of Economic Sciences and Management. – Toruń : Polish Economic Society. Branch, 2012. 
5. Banking and financial stability in Central Europe : integrating transition economies into the European Union / ed.by David Green, Karl Petrick. – Cheltenham ; Northampton, MA Edward Elgar Publishing, 2002. 
6. Transforming payment systems in Europe / ed. by Jakub Henryk Górka, Basingstoke; New York : Palgrave Macmillan, 2016. 
7. Economics of money, banking, and financial markets/ Frederic Mishkin, Boston [etc.]: Pearson, cop. 2016. 
8. Private banking in Europe: rise, retreat, and resurgence / Youseff Cassis, Oxford : Oxford University Press, 2015.
9. Introduction to banking / Barbara Casu, Claudia Girardone, Philip Molyneux. Harlow [etc.] : Pearson, 2015. 
10. The relation between sovereign credit default swap premium and banking sector risk in Poland / Tomasz Gątarek, Warsaw : Narodowy Bank Polski. Education & Publishing Department : Economic Institute, 2015. 
11. Banking secrecy and global finance :economic and political issues /Donato Masciandaro, New York : Palgrave Macmillan, 2015. 
12. Changes in the size and structure of the European Union banking sector : the role of competition/ Małgorzata Pawłowska, Warsaw : Economic Institute : Narodowy Bank Polski. Education & Publishing Departament, 2015. 
13. Liberalization of trade in banking services :an international and European perspective / Bart De Meester, Cambridge : Cambridge University Press, 2014. 
14. Central banking: theory and practice in sustaining monetary and financial stability / Thammarak Moenjak, Hoboken : Wiley, cop. 2014. 
15. Fragile by design : the political origins of banking crises and scarce credit / Charles W. Calom, Oxford, Pirnceton University Press, cop. 2014. 
16. Money, banking and the foreign exchange market in emerging economies / Tarron Khemraj. Cheltenham ; Northampton MA : Edward Elgar, 2014. 
17. The economics of banking / Kent Matthews and John Thompson. Chichester : John Wiley & Sons, cop. 2014. 
18. The global financial crisis and the new monetary consensus / Marc Pilkington. London ; New York : Routledge, 2014. 
19. Current problems of banking sector functioning in Poland and in East European Countries/ Wrocław: Publishing House of Wrocław University of Economics, 2013. 
20. Mobile banking : evolution or revolution? /Benedetto Nicoletti, Basingstoke ; New York : Palgrave Macmillan, cop. 2014. 
21. Virtual banking : a guide to innovation and partnering/ Dan Schatt, Hoboken : Wiley, cop. 2014. 
22. Modern bank behaviour / ed. by José Manuel Pastor Monsálvez and Juan Fernández de Guevara Rad, Basingstoke ; New York : Palgrave Macmillan, cop. 2013. 
23. A Theoretical and Empirical Assessment of the Bank Lending Channel and Loan Market Disequilibrium in Poland Christophe Hurlin∗, Rafał Kierzenkowski access: http://www.nbp.pl/publikacje/materialy_i_studia/22_en.pdfLegal acts in English version will be provided in students syllabus. All regulations are accessible in the Legalis database (access through website of Faculty Law, Administration and Economy).