CELEX: 62020CN0503
Language: en
Date: 2020-10-06 00:00:00
Title: Case C-503/20: Request for a preliminary ruling from the Audiencia Provincial de Las Palmas de Gran Canaria (Spain) lodged on 6 October 2020 — Banco de Santander S.A. v YC

28.6.2021   
            
            
               EN
            
            
               Official Journal of the European Union
            
            
               C 252/5
            
         
      Request for a preliminary ruling from the Audiencia Provincial de Las Palmas de Gran Canaria (Spain) lodged on 6 October 2020 — Banco de Santander S.A. v YC
      (Case C-503/20)
      (2021/C 252/06)
      Language of the case: Spanish
      
         Referring court
      
      Audiencia Provincial de Las Palmas de Gran Canaria
      
         Parties to the main proceedings
      
      
         Appellant: Banco de Santander S.A.
      
         Respondent: YC
      By order of 25 March 2021, the Court of Justice (Sixth Chamber) stated that the first question is manifestly inadmissible, and its reply to the second question is that Council Directive 87/102/EEC of 22 December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit, (1) as amended by Council Directive 90/88/EEC of 22 February 1990 (2) and Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC, (3) must be interpreted as meaning that it does not preclude national legislation, as interpreted in national case-law, which establishes the annual percentage rate of charge that may be placed on the consumer under a credit agreement in order to combat usury, provided that that legislation does not contravene the rules harmonised by those directives as regards, in particular, information obligations.
      
         (1)  OJ L 42, 12.2.1987, p. 48.
      
         (2)  OJ L 61, 10.3.1990, p. 14.
      
         (3)  OJ L 133, 22.5.2008, p. 66.