Case C‑243/20

DP
and
SG

v

Trapeza Peiraios AE

(Request for a preliminary ruling
from the Polymeles Protodikeio Athinon)

Judgment of the Court (Sixth Chamber) of 21 December 2021

(Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms – Article 1(2) – Contractual terms reflecting mandatory statutory or regulatory provisions – Exclusion from the scope of that directive – Loan repayable in a foreign currency – Term reflecting a provision of national law that is supplementary in nature – Effect of the failure to transpose Article 1(2) of the directive – Article 3(1) and Article 4(1) – Review of the unfairness of a term – Article 8 – Adoption or retention of provisions of national law ensuring a maximum degree of protection for the consumer – Interaction between those various provisions of Directive 93/13)

  1. Consumer protection – Unfair terms in consumer contracts – Directive 93/13 – Scope – Exclusion provided for contractual terms reflecting mandatory statutory or regulatory provisions – Term altering the currency of a loan agreement and reflecting a provision of national law that is supplementary in nature – Inapplicability of the directive

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

    (see paragraphs 33-37, 39, 40, operative part 1)

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

    (Council Directive 93/13, Arts 1(2), 3(1) and 4(1))

    (see paragraphs 43-45, 47-50, operative part 2)

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

    (Council Directive 93/13, Arts 1(2) and 8)

    (see paragraphs 57-63, operative part 3)

See the text of the decision.