62023CJ0324_SUM
Case C‑324/23 [Myszak] (
i
)
OF and Others
v
M.K.
(Request for a preliminary ruling from the Sąd Okręgowy w Warszawie)
Judgment of the Court (Third Chamber) of 8 May 2025
(Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts – Directive 93/13/EEC – Article 6(1) and Article 7(1) – Mortgage loan agreement indexed to a foreign currency – Legal action brought by the consumer seeking a declaration that the agreement is null and void – Application for the grant of protective measures suspending performance of the agreement – Directive 2014/59/EU – Recovery and resolution of credit institutions – Bank under resolution – Article 1(2) – Member States’ power to adopt rules that are stricter than or additional to those in that directive – National rule requiring applications for protective measures directed against institutions under ongoing resolution to be dismissed)
Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Application from a consumer seeking annulment of a loan agreement on account of the inclusion therein of unfair terms – Application from that consumer seeking the grant of protective measures to suspend payment of the monthly instalments owed under that agreement – National legislation requiring a national court to dismiss such an application directed against a banking institution under ongoing resolution – Resolution procedure entailing the creation of a new banking institution acquiring substantially all the liabilities of the bank under resolution – Loan agreement at issue remaining part of the assets of the residual institution – Protective measures necessary to ensure the effectiveness of the application for annulment – Not permissible – Necessary nature of the protective measures – Criteria for assessment
(Charter of Fundamental Rights of the European Union, Art. 38; European Parliament and Council Directive 2014/59, Arts 1(2), 34(1)(b), 73 and 75; Council Directive 93/13, Art. 6(1) and 7(1))
(see paragraphs 53-59, 62-69, 71-75, operative part)
See the text of the decision.
(
i
)	The name of the present case is a fictitious name. It does not correspond to the real name of any party to the proceedings.