The article presents some aspects of the regulatory framework and the Polish Financial Supervision Authority recommendations to the banking sector. The aim of the author is to consolidate the general expectations of the supervisory authority to banks for the process of creation of new banking products. The author indicates some of the correlations and existing synergies between regulations. At the same time draws attention to the lack of studies focusing on substantive issues or ongoing processes in banks. This study can help organizational units in the banks responsible for the creation and modification of the banking product offer in the understanding of the expectations of the supervisory authority. Article is mainly based on the method of analysis of the legal sources, the FSA recommendations and comments to them.