In November 2012 (preceding the reporting period) the UOKiK fined UniCredit €450,000 in fines for violating consumer interests by transferring information on expiring customer obligations to the Credit Information Bureau. The UOKiK is the Polish President of the Office of Competition and Consumer Protection. This office is a central national unit that reports directly to the Prime Minister. Further details of th incident can be found below.

Pg 135- "In October 2011, the UOKiK informed Bank Pekao SA of proceedings to determine whether the Bank violated collective consumer interests by transferring information on expiring customer obligations to the Credit Information Bureau, in breach of the regulations of the Ministry of Finance and of the Polish Act on competition and consumer protection. In April and November 2012, the UOKiK revised its resolution to initiate proceedings by adding new allegations. By decision of December 2012, the UOKiK fined the Bank PLN 1.8 million (roughly €450,000)."