In Polish: KNF (Komisja Nadzoru Finansowego)
This is the word you will see in bank documents.
Definition
KNF (Komisja Nadzoru Finansowego, the Polish Financial Supervision Authority) is the state body that supervises the financial market in Poland, including banks, insurers, and mortgage credit intermediaries and their agents. It issues recommendations for banks, including Recommendation S on mortgages. It also keeps the public register of credit intermediaries.
What it means for you
KNF rules decide how much you can borrow: the interest rate buffer, the DSTI and LTV limits and the maximum loan term come from Recommendation S. In the KNF register you can check whether a mortgage expert may legally handle your case. The KNF does not settle disputes with banks, though; for that there is a complaint, the Financial Ombudsman and the court.
Full entry in Polish, with a worked example and sources
Frequently asked questions
What does the KNF do?
It supervises banks, insurers, the capital market, and mortgage credit intermediaries and agents. It issues recommendations for banks and keeps the register of intermediaries.
Does the KNF handle complaints against banks?
The KNF does not settle individual disputes. You first file a complaint with the bank, and if refused you can turn to the Financial Ombudsman, the Banking Arbitrator or the court.
How can I check a mortgage expert with the KNF?
Search by name or entry number in the register at rpkip.knf.gov.pl. An RPH number means an intermediary, RHA an agent.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Institutions and experts”