On 10 June 2025, the Council of Ministers approved a new package of deregulatory measures designed to streamline the closure of inactive bank accounts and expand electronic communication options for individuals entering into insurance contracts. The changes were developed in cooperation with the Ministry of Finance and are intended to improve administrative efficiency for both financial institutions and consumers. Under the new regulations, banks and cooperative savings and credit unions (SKOK) will be able to access data from the PESEL register to confirm the death of account holders. This applies to personal bank accounts and SKOK membership accounts that have shown no activity for five years. If the account holder is deceased, the institution will be informed of the date of death, which will allow for more efficient initiation of inheritance procedures and reduce the risk of funds being accessed by unauthorized parties. The measure is expected to simplify the process for heirs, who will be able to access information about funds in inactive accounts more quickly. Only after confirming the date of death can banks and SKOKs accept inheritance claims or carry out instructions left by the deceased. These changes are included in the draft amendment to the Banking Law and related legislation and are set to come into effect three months after publication in the Journal of Laws. Separately, the Council also adopted changes related to compulsory insurance communication. Currently, policyholders can only opt for electronic communication when signing the insurance contract. Under the new provisions, insured individuals will be able to provide consent for electronic communication at any point during the contract term. This aims to offer greater flexibility and improve the overall user experience. The changes apply to three categories of compulsory insurance: motor vehicle liability insurance, farmers’ liability insurance, and insurance for farm buildings against fire and other unforeseen events. If policyholders prefer electronic correspondence over traditional mail, they will be able to notify their insurance provider at any stage of the policy duration. These amendments to the Act on Compulsory Insurance, the Insurance Guarantee Fund, and the Polish Office of Motor Insurers are scheduled to come into force 14 days after their official publication.