Case C‑567/20
A.H.
v
Zagrebačka banka d.d.
(Request for a preliminary ruling
from the Općinski građanski sud u Zagrebu)
Judgment of the Court (Third Chamber) of 5 May 2022
(Reference for a preliminary ruling – Consumer protection – Unfair terms – Directive 93/13/EEC – Applicability ratione temporis – Article 10(1) – Loan agreement concluded prior to Member State’s accession to the EU but amended after that date – Article 6 – Reimbursement of benefits improperly obtained by the seller or supplier – National legislation providing for the replacement of unfair terms and reimbursement of the overpayment – Applicability ratione materiae – Article 1(2) – Exclusion of contractual terms which reflect mandatory statutory or regulatory provisions)
1.        Questions referred for a preliminary ruling – Jurisdiction of the Court – Limits – Interpretation of EU law in a dispute concerning a contract concluded prior to the accession of a State to the European Union
(Art. 267 TFEU; Act concerning the accession of the Republic of Croatia to the European Union, Art. 2)
(see paragraphs 33-35)
2.        Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Scope – Term included in an agreement concluded prior to a Member State’s accession to the EU – Precluded
(Council Directive 93/13, Art. 10(1), second subpara.)
(see paragraphs 36-38)
3.        Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Scope – Term included in an agreement concluded prior to a Member State’s accession to the EU
(Council Directive 93/13, Art. 10(1), second subpara.)
(see paragraphs 39- 41, 52)
4.        Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Scope – Exclusion provided for contractual terms reflecting mandatory statutory or regulatory provisions – Contractual term changing the currency of a loan agreement in accordance with mandatory national rules
(Council Directive 93/13, Arts 1(2) and 6(1))
(see paragraphs 55-64, operative part)
See the text of the decision.