Profi Credit Polska (Consumer Protection – Credit Agreements for Consumers – Opinion): ECJ 2 Apr 2020

Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 1(2) – Exclusion provided for contractual terms reflecting mandatory legislative or regulatory provisions – National provision instituting a maximum amount of total cost of the credit for the consumer excluding interest – Article 4(2) – Scope – Application to clauses providing fees in addition of an interest – Obligation to draft contract terms in plain, intelligible language – Article 3(1) – Compatibility of a national legislation laying down the maximum amount of non-interest credit cost – Directive 2008/48 – Article 3(g) – Compatibility of a national legislation calculating maximum amount of non-interest credit cost by taking into account the general expenses of the credit institution

Citations:

C-84/19, [2020] EUECJ C-84/19_O, ECLI:EU:C:2020:259, [2020] EUECJ C-84/19

Links:

Bailii, Bailii

Jurisdiction:

European

Consumer

Updated: 26 October 2022; Ref: scu.660148