The leading specialisation of deLege Korus Law Firm includes financial services. It covers all of the most important aspects of the said services:

• the relation between a financial institution and a client (consumer);
• the relation between a financial institution and the regulator;
• the relation between a financial institution and suppliers (outsourcing).

Under the financial services, a special emphasis is placed on the electronic payment instruments:

• pay cards, including prepaid cards;
• electronic money instruments;
• mobile payment instruments;
• electronic banking;
• e-payment integrators;
• city cards;
• systems of car park charges;
• services provided by settlement agents;
• payment systems.

Other areas of specialist services provided by deLege Korus Law Firm include:

• law of new technologies (electronic signature, software, databases, telecommunication, Internet activity);
• intellectual property law;
• competition law;
• outsourcing;
• distribution (agency) agreements;
• real estate;
• public procurement.

Among financial institutions, regular or ad hoc customers of deLege Korus Law Firm include:

• banks, of which mainly retail banks and corporation banks;
• ATM Operators;
• issuers of benefit vouchers;
• settlement agents;
• mobile payment suppliers;
• telecommunication operators;
• e-payment integrators;
• public administration authorities responsible for supervision over financial institutions.

Among other institutions, regular or ad hoc customers of deLege Korus Law Firm include:

• software producers and integrators;
• community web services;
• suppliers of electronic signatures;
• consulting companies;
• investors in the real estate market.

The experience held by the specialists of deLege Korus Law Office includes, inter alia (selected projects):

FINANCIAL SERVICES

• mobile payments (contracts between suppliers, banking outsourcing, contracts with users, participation in the ongoing work carried out by the project team);
• electronic money (legal opinions regarding the qualification of selected services as issuing and processing electronic money);
• innovative payment instruments (contracts between suppliers, contracts with users, legal opinions);
• pay cards, the so-called co-brand (contracts between suppliers);
• electronic vouchers (legal opinions, contracts between suppliers);
• new functionalities of traditional electronic payment instruments (legal opinions, draft contracts);
• implementation of Directive 2007/64/CE into the Polish legislation (membership in the Directive implementation working group of the Ministry of Finance Financial Market Development Council, training for suppliers of payment services (bank and non-bank payment services);
• integrators of e-payments (legal opinions, contracts between suppliers, contracts with users, regulations);
• settlement agents (proceedings before the President of the National Bank of Poland to obtain President’s consent  to operate a system of authorisation and settlement, legal opinions, draft agreements);
• community websites providing loan services for users (the so-called “P2P lending" – contracts with suppliers, draft agreements made via websites);
• insurance (group insurance agreements, insurance mediation agreements);
• VAT in financial services;

LAW OF NEW TECHNOLOGIES

• Electronic signature (legal opinions);
• Electronic invoices (training);

OUTSOURCING

DISTRIBUTION AGREEMENTS

• Agency agreements for distribution networks of several hundred agents (civil law issues and issues related to competition law);

COMPETITION LAW

• Appeals against decisions of the President of the Office of Competition and Consumer Protection;
• Agency agreements – antitrust issues and issues related to unfair competition acts;

GENERAL COMMERCIAL LAW

• Legal status of real estate (legal audits, regularising the legal status of real estate, preparing real estate for a transaction of lease sale and lease back, court proceedings in cases related to regularising the legal status of investment real estate, agreements on waiver of claims raised by former owners of real estate);
• Investment process related to real estate (investment project implementation agreements, agreements with contractors, agreements with designers, administrative proceedings);
• Trading areas lease agreements (trading premises and areas in shopping centres);
• Real estate business on behalf of the customer (on the basis of the customer’s authority);
• Establishing companies (joint stock companies, limited liability companies);
• Restructuring indebtedness of bank clients (audit of the debtor situation and indebtedness hedges, indebtedness restructuring agreements, activities in bankruptcy proceedings);
• Public procurement (ongoing legal services provided to ordering parties and contractors).
• Representing foreign entities in the Republic of Poland (foreign owners of Polish real estate, foreign entrepreneurs running branches and agencies in the Republic of Poland).

In addition to legal services provided to individual entities, the specialists of dLK engage in research and training activity, and actively participate in the legislative process.

Under the dLK a number of publications related to the leading dLK’s specialisation and general economic law is issued  in specialist periodicals. dLK publishes analytical material which constitutes a general elaboration on the issues related to the leading specialisation of the dLK.

dLK actively promotes the knowledge exchange in the field of its leading specialisation by means of organising and attending trainings (open and closed ones), conferences, seminars and congresses.  

dLK actively participates in the legislative process, both at the national and European level. Dr Krzysztof Korus is a member of the Ministry of Finance Financial Market Development Council – a working group involved in the implementation of Directive 2007/64/WE on payment services and in supporting cashless turnover.