Związek Przedsiębiorstw Finansowych (ZPF) is the Association of Financial Companies in Poland, dedicated to establishing high standards of business conduct in all customer and business partner relationships. As a trusted institution, ZPF ensures the adherence to these regulations to maintain public trust in financial enterprises. Since its establishment in 1999, ZPF has represented the Polish credit intermediation trade, with key figures such as Mariusz Łukasiewicz, Sylwester Cacek, and prof.

Wojciech Żurawik playing instrumental roles. Over the years, ZPF has expanded its representation to include various sectors of the financial services market, such as consumer finance banking, credit intermediation, financial advisory, economic information exchange, insurance, and debt collection and management. ZPF places strong emphasis on business ethics, evident through its establishment of an Ethics Commission and implementation of an ethics program.

They have also championed education through their publishing cycle, the Library of Consumer Finance Congress, which offers personal finance guides and serves as a platform for workshops and conferences. As a member of Eurofinas, the European Federation of Finance House Associations, ZPF represents the specialized consumer credit providers in Europe, advocating for their interests at the European level. With a commitment to transparency and collaboration, ZPF acts as a reliable partner, providing members with research, statistics, and a platform for exchange and networking