B – SCIENTIFIC DATABASE – it consists of explanations concerning the mechanisms governing the analyzed phenomena; this database is the central element of Integrated Information, whose task is to provide, in the shortest possible form, the necessary scientific knowledge and the fullest possible current data required to discuss the Complex Issue;
Below I present my preliminary proposals for what may be included in the Scientific Database concerning CI-1.
SCIENTIFIC DATABASE
| Polish legislation relating to consumer loans – regulations concerning mandatory provisions in a loan agreement (Banking Law), consumer credit (Consumer Credit Act), and anti-usury provisions (Civil Code and Criminal Code). | BN-01 |
| Consumer protection in EU regulations. | BN-02 |
| Freedom of contract – legal restrictions in this case (consumer-corporation). | |
| The limits of understanding complex information, that is, defining the conditions necessary for informed action (e.g. necessary knowledge, required data, etc.). Loan agreement – what does the absence of a clear message in it mean, beyond a purely grammatical approach? | BN-04 |
| Three participants in the discussed loan agreements: bank (large enterprise drafting the agreement text), borrower-consumer, state (legislator, market supervision responsible for checking the correctness of agreements, and courts). | BN-05 |
| Valorization – assumptions and mechanism (time dimension and comparative price basket). | BN-06 |
| Indexation – assumptions and mechanism. | |
| Denomination – assumptions and mechanism. | |
| Currency trading – transaction mechanism (one-off nature of the decision), spread, exchange-rate volatility (time dimension). | BN-09 |
| NBP average exchange-rate tables + explanation of the mechanism for determining them. | |
| Exchange-rate tables of a bank trading in currency and explanation of the mechanism for determining them. | |
| Currency options – explanation of the mechanism and legal framework. | BN-12 |
| Money creation in the modern financial system in the context of loans. | |
| Consumer – legal perspective. | |
| Consumer due diligence and when a borrower may be accused of lack of due diligence when signing an agreement. | |
| Entrepreneur – legal perspective and their advantages compared with the consumer. | |
| Lender’s obligations – legal perspective (drafting agreements in accordance with the law, informing and explaining to the borrower the risk associated with signing the agreement, maintaining contractual balance, etc.) | |
| How legal provisions work – hierarchy of legal norms (rank of provisions – general principles). | |
| Institutions regulating the market and protecting consumers in Poland. | |
| Contractual balance of the parties to a loan agreement. | |
| Good practices in a loan agreement. | BN-21 |
| Partnership-based negotiation of a loan agreement, that is, individual arrangements. | BN-22 |
| The state’s obligations toward the citizen and the consumer. | |
| Forms of consumer protection by the state and their degree of effectiveness. | |
| Court – individual assertion of rights. | |
| Prohibited clauses in loan agreements with consumers. | BN-26 |
| History of dual-currency loans worldwide. | |
| Usury – description of the mechanism. | |
| Unjust enrichment. | |
| Mechanism of creditworthiness assessment. | BN-30 |
| Acting in good faith – legal perspective. | |
| Inflation in Poland – statistical data. | BN-32 |
| Changes in exchange rates against the value of CHF in 1975–2022. | BN-33 |
| Gross violation of consumer interests – legal perspective. | BN-34 |
| Changes in exchange rates against the value of PLN in 1975–2022. | BN-35 |