KNF – summary of supervisory priorities for 2026
In December 2025 the Polish Financial Supervision Authority (KNF) published its supervisory priorities on its website, covering the following areas: the banking sector, payment services, the capital market, the insurance sector, the consumer credit market, the legal area, the digital resilience of the financial sector, and the use of artificial intelligence.
In the context of payment services, the priority will be to verify the level of protection of the funds of payment service users provided by non-bank payment service providers.
In the context of consumer credit, the KNF is focusing on the implementation of CCD2 regulations, in particular through active participation in the discussion on the implementation of the CCD2 Directive and providing support to lenders in adapting their activities to the requirements of CCD2.
| Area of supervision | Main priorities of the KNF |
| Banking sector | Monitoring the financial stability of banks, credit risk management, and interest rates. |
| Capital market | Prevention of market abuse, investor protection, market transparency. |
| Insurance sector | Ensuring solvency, proper risk management, protection of policyholders. |
| Payment services | Security of customer funds and continuity of service provision. |
| Consumer protection | Supervision of market practices, consumer credit market, implementation of CCD2. |
| Digital resilience and cybersecurity | Strengthening operational resilience to cyber threats. |
| EU regulatory environment | Effective application of EU law and activity in legal disputes. |
| New technologies (AI) | Use of analytical tools and AI in supervisory processes. |