# Lending Institution registration (instytucja pożyczkowa - RIP) (Poland)

Source page: https://protegra.io/licensing/licences/lending/poland-institution/

The Lending Institution registration (instytucja pożyczkowa - RIP) is issued by Polish Financial Supervision Authority (KNF) under Act on Consumer Credit of 12 May 2011. It is a national licence: it does not give a passport to other EU/EEA states. The application fee is PLN 616. Ownership changes need the regulator's approval before completion.

## At a glance

| Official name | Lending Institution registration (instytucja pożyczkowa - RIP) [1] |
| --- | --- |
| Issued by | [Polish Financial Supervision Authority](https://protegra.io/licensing/regulators/knf-poland/) |
| Jurisdiction | [Poland](https://protegra.io/licensing/jurisdictions/poland/) |
| Licence family | [Lending / consumer credit](https://protegra.io/licensing/licences/lending/) |
| Legal basis | Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers [2]; Act on Consumer Credit of 12 May 2011 [3]; Act on Crowdfunding for Business Ventures and Aid to Borrowers of 7 July 2022 [4]; Regulation (EU) 2020/1503 on European crowdfunding service providers for business [5] |
| Passporting | Domestic only |
| Application fee | PLN 616 [1] |

## What it lets you do

- [Lending](https://protegra.io/licensing/activities/credit-granting/)
- [Consumer credit](https://protegra.io/licensing/activities/consumer-credit/)

- **Lending.** Granting loans, including consumer credit, mortgage credit, factoring and financing of commercial transactions.
- **Consumer credit.** Granting or promising credit to consumers, including buy-now-pay-later, subject to consumer protection rules on information, creditworthiness and withdrawal.

## Where it is valid

_Valid in Poland._

## Cost

_Regulatory costs from the official sources above. Professional fees, staff, office and audit come on top and depend on the business model._

## Buying a company that already holds it

**Prior notification with an objection period.** Acquiring or increasing a qualifying holding needs prior notification to the KNF, which can object within 60 working days (extendable by up to 20 working days while it waits for information). For national payment institutions the thresholds are 20%, 30% and 50% (Payment Services Act, Art. 72a); for banks they are 10%, 20%, one third and 50% (Banking Law, Art. 25). Shares acquired in breach carry no voting rights. [6]

## Laws behind it

- [Consumer Credit Directive (CCD2)](https://protegra.io/licensing/laws/eu-ccd2-2023-2225/): Directive (EU) 2023/2225
- [European Crowdfunding Service Providers Regulation](https://protegra.io/licensing/laws/eu-ecspr-2020-1503/): Regulation (EU) 2020/1503

## Sources

1. [rpkip.knf.gov.pl](https://rpkip.knf.gov.pl/index.html?type=RIP): retrieved 2026-09-24
2. [eur-lex.europa.eu: oj](https://eur-lex.europa.eu/eli/dir/2023/2225/oj): retrieved 2026-09-24
3. [dziennikustaw.gov.pl: 1028](https://dziennikustaw.gov.pl/DU/2023/1028): retrieved 2026-09-24
4. [dziennikustaw.gov.pl: 414](https://dziennikustaw.gov.pl/DU/2023/414): retrieved 2026-09-24
5. [eur-lex.europa.eu: TXT (32020R1503)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32020R1503): retrieved 2026-09-24
6. [knf.gov.pl: zezwolenie rozpatrywanie wniosku](https://www.knf.gov.pl/dla_rynku/procesy_licencyjne/platniczy/krajowe_instytucje_platnicze/zezwolenie_rozpatrywanie_wniosku): retrieved 2026-09-24

Last verified 2026-09-24 · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.