The President of the Office of Competition and Consumer Protection (UOKiK) imposed fines on seven loan providers and intermediaries for engaging in loan churning practices, where consumers were offered new loans to repay existing ones, resulting in excessive costs. The companies involved, such as Creamfinance Poland and Szybka Gotówka, were found to circumvent the law by repeatedly refinancing loans, leading to inflated fees. This decision affects the Consumer Credit and Financial Services industries, with implications for other loan providers. The legal areas involved are Consumer Protection and Unfair Competition, with issues including Deceptive Practices and Failure to Provide Information.