Case C‑192/20

Prima banka Slovensko a.s.

v

HD

(Request for a preliminary ruling from the Krajský súd v Prešove)

Judgment of the Court (Seventh Chamber) of 10 June 2021

(Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Scope – Article 1(2) – Mandatory national legislative provisions – Early termination of the loan agreement – Accumulation of loan interest and default interest)

1. Questions referred for a preliminary ruling – Jurisdiction of the Court – Limits

   (Art. 267 TFEU)

   (see paragraphs 23-25)

2. Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Aim

   (Council Directive 93/13, Art. 6(1))

   (see paragraphs 32, 40)

3. Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Scope – Exclusion provided for in respect of contractual terms reflecting mandatory statutory or regulatory provisions – Verification a matter for the national court

   (Council Directive 93/13, Art. 1(2))

   (see paragraphs 33, 35)

4. Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Scope – Exclusion provided for in respect of contractual terms reflecting mandatory statutory or regulatory provisions

   (Council Directive 93/13, Art. 1(2))

   (see paragraphs 41, 42, operative part 1)

See the text of the decision.