Institutional framework for the Financial Supervision Authority's control over the activities of an insurance agent

Mariusz Bidziński, Bogusław Ulijasz
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Abstract

The subject of consideration is the supervisory powers of the Financial Supervision Authority in terms of the control of insurance agents. Act of 15 Dec 2017 on Insurance Distribution introduced the possibility of conducting inspections of insurance agents' activities by supervisory authorities. The Financial Supervisory Authority is the body that supervises the financial market, including the supervision of activities related to the distribution and redistribution of insuranceThe article has been drawn up mainly using the formal-dogmatic method. It involves the description and systematization of legal norms, interpretation of regulations, as well as an analysis of the practice of application of the law by both state administrative bodies and courtsKNF inspectors, in the course of their inspection, have the authority to demand from the inspected insurance agent access to the documents of the inspected entity and to the data and information contained in the information and communication systems. However, this entitlement is not absolute. Such a request may only concern the documents and data of the controlled entity, and moreover, it is only updated when it falls within the substantive scope of the inspectionNotwithstanding the above, the agent also remains the disposer of information covered by the secrecy of communication . The contents of the mailboxes of insurance agents, like any correspondence, are protected by the secrecy of communication, regardless of the content (art. 49, para. 1 of the Polish Constitution). In order for the supervisory authority to effectively demand access to information contained in the correspondence of an insurance agent, it should first obtain this access through a separate procedure provided for by the law.
金融监管局控制保险代理人活动的体制框架
审议的主题是金融监管局在控制保险代理人方面的监管权力。2017 年 12 月 15 日的《保险分销法》引入了监督机构对保险代理人活动进行检查的可能性。金融监督管理局是监督金融市场的机构,包括监督与保险分销和再分销有关的活动。KNF 检查员在检查过程中有权要求被检查的保险代理人查阅被检查实体的文件以及信息和通信系统中的数据和信息。但是,这种权利不是绝对的。尽管如此,代理人仍然是通信保密信息的处置者。保险代理人信箱中的内容与任何信件一 样,无论内容如何,都受到通信秘密的保护 (《波兰宪法》第 49 条第 1 款)。为了使监管机构能够有效地要求获取保险代理 人信件中的信息,监管机构应该首先通过法 律规定的单独程序获取这些信息。
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