Case C-498/22: Request for a preliminary ruling from the Tribunal Supremo (Spain) lodged on 21 July 2022 — Novo Banco SA — Sucursal en España, Banco de Portugal, Fundo de Resolução v C.F.O.
Date: 2022-07-21
Institutions: Court of Justice
Subjects: bank, bank resolution, consumer credit, consumer protection, discrimination on the basis of nationality, equal treatment, ownership, principle of legal certainty, right to justice, unfair terms of contract








C_2022482EN.01000302.xml










19.12.2022   


EN


Official Journal of the European Union


C 482/3






Request for a preliminary ruling from the Tribunal Supremo (Spain) lodged on 21 July 2022 — Novo Banco SA — Sucursal en España, Banco de Portugal, Fundo de Resolução v C.F.O.
(Case C-498/22)
(2022/C 482/05)
Language of the case: Spanish

Referring court

Tribunal Supremo

Parties to the main proceedings


Appellants in the appeal in cassation: Novo Banco SA — Sucursal en España, Banco de Portugal, Fundo de Resolução

Respondent in the appeal in cassation: C.F.O.

Questions referred







1.


Is an interpretation of Article 3(2) of Directive 2001/24 (1) which entails the recognition in a host Member State of the effects of a decision by the competent administrative authority of the home Member State which has not been published in the manner required by Article 6(1) to (4) of Directive 2001/24 compatible with the fundamental right to effective judicial protection under Article 47 of the Charter of Fundamental Rights of the European Union (‘the Charter’), the general principle of legal certainty and the principle of equality and the prohibition of any discrimination on grounds of nationality under Article 21(2) of the Charter?










2.


Is an interpretation of Article 3(2) of Directive 2001/24 which entails the recognition in a host Member State of the effects of a decision by the competent administrative authority of the home Member State which excluded certain obligations and responsibilities from the transfer to a ‘bridge bank’ of the ordinary business and a number of the assets and liabilities of the bank to which the reorganisation measures apply compatible with the fundamental right to effective judicial protection under Article 47 of the Charter and the general principle of legal certainty, where the subsequent conduct of the ‘bridge bank’, acting under the control of a public authority applying EU law, itself created among customers in the host Member State a legitimate expectation that the ‘bridge bank’ had assumed the liabilities corresponding to the responsibilities and obligations which the bank forming the subject of the reorganisation measure held in relation to those customers?










3.


Is an interpretation of Article 3(2) of Directive 2001/24 which entails the recognition in a host Member State of the effects of a decision of the competent administrative authority of the home Member State which transfers to a ‘bridge bank’ the creditor position under a mortgage loan contract but leaves with the failing bank the obligation to reimburse to the consumer borrower the sums collected pursuant to an unfair term in that contract compatible with the fundamental right to property under Article 17 of the Charter, the principle of a high level of consumer protection under Article 38 of the Charter, Article 6(1) of Directive 1993/13/EEC (2) of 5 April 1993 and the general principle of legal certainty?






(1)  Directive 2001/24/EC of the European Parliament and of the Council of 4 April 2001 on the reorganisation and winding up of credit institutions (OJ 2001 L 125, p. 15).

(2)  Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (OJ 1993 L 95, p. 29).