62021CJ0565_SUM
Case C‑565/21
Caixabank SA
v
X
(Request for a preliminary ruling from the Tribunal Supremo)
Judgment of the Court (Fourth Chamber), 16 March 2023
(Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Articles 3, 4 and 5 – Consumer contracts – Mortgage loans – Unfair terms – Term concerning loan arrangement fees – Application seeking a declaration of invalidity of that term and reimbursement of the amount paid on that basis – Plainness and intelligibility of the terms – Existence of specific national legislation)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Scope – Terms defining the main subject matter of the contract or relating to the price or remuneration and the services or goods supplied in exchange – Meaning
(Council Directive 93/13, Art. 4(2))
(see paragraphs 17-19, 21-24, operative part 1)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Term requiring the consumer to pay an arrangement fee – Requirement of transparency – Scope – Criteria for assessment
(Council Directive 93/13, Arts 4(2) and 5)
(see paragraphs 30-35, 39-47, operative part 2)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Unfair term within the meaning of Article 3 – Term requiring the consumer to pay an arrangement fee – Assessment of unfair nature by the national court – Criteria
(Council Directive 93/13, Arts 3 and 4(2))
(see paragraphs 51, 56-61, operative part 3)
See the text of the decision.