{
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    "id": "eu:c-761-24",
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      "question": "Gäller domen fortfarande?",
      "answer": "7 senare avgörande(n) om samma rättsakt finns. Registret anger inte att domen upphävts, men läs de senare domarna innan du lutar dig på den.",
      "signal": "check_later_decisions"
    },
    "risk": {
      "question": "Vilken risk?",
      "answer": "Risknivå low (2 av 10). 7 senare avgöranden om samma rättsakt, kontrollera att läget håller.",
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      "score": 2
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    "changes": {
      "question": "Vilka domar ändrar bilden?",
      "answer": "De senaste: K. Sz. and Others v Z. Fundusz Inwestycyjny Zamknięty en liquidation (EU-domstolen, 2026-10-15); Digi România SA v VK (EU-domstolen, 2026-10-08); SVB – Neues Schweizer Viertel Betriebs + Service GmbH & Co. KG v Glarner Straße 5 GbR (EU-domstolen, 2026-09-24); T.Z. and D.Z. v Bank S.A (EU-domstolen, 2026-09-10); Štátny fond rozvoja bývania v GL and Others (EU-domstolen, 2026-07-09).",
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        {
          "id": "eu:c-63-25",
          "name": "K. Sz. and Others v Z. Fundusz Inwestycyjny Zamknięty en liquidation",
          "court": "EU-domstolen",
          "decided": "2026-10-15",
          "citation": "ECLI:EU:C:2026:858",
          "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-63-25",
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        {
          "id": "eu:c-872-24",
          "name": "Digi România SA v VK",
          "court": "EU-domstolen",
          "decided": "2026-10-08",
          "citation": "ECLI:EU:C:2026:843",
          "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-872-24",
          "page": "https://legal.exploreworldai.com/eu/praxis/c-872-24",
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        {
          "id": "eu:c-900-24",
          "name": "SVB – Neues Schweizer Viertel Betriebs + Service GmbH & Co. KG v Glarner Straße 5 GbR",
          "court": "EU-domstolen",
          "decided": "2026-09-24",
          "citation": "ECLI:EU:C:2026:784",
          "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-900-24",
          "page": "https://legal.exploreworldai.com/eu/praxis/c-900-24",
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        },
        {
          "id": "eu:c-510-25",
          "name": "T.Z. and D.Z. v Bank S.A",
          "court": "EU-domstolen",
          "decided": "2026-09-10",
          "citation": "ECLI:EU:C:2026:745",
          "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-510-25",
          "page": "https://legal.exploreworldai.com/eu/praxis/c-510-25",
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        },
        {
          "id": "eu:c-188-25",
          "name": "Štátny fond rozvoja bývania v GL and Others",
          "court": "EU-domstolen",
          "decided": "2026-07-09",
          "citation": "ECLI:EU:C:2026:555",
          "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-188-25",
          "page": "https://legal.exploreworldai.com/eu/praxis/c-188-25",
          "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-188-25",
          "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-188-25"
        }
      ]
    },
    "subject": {
      "name": "HM and JD v AXA Bank Belgium SA and Others",
      "court": "EU-domstolen",
      "decided": "2026-04-23",
      "citation": "ECLI:EU:C:2026:339",
      "case_kind": "judgment",
      "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-761-24"
    },
    "acts": [
      {
        "id": "directive-93-13",
        "url": "https://legal.exploreworldai.com/api/public/v1/acts/directive-93-13",
        "basis": "domstolens nyckelord"
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    ],
    "b2b_value": {
      "score": 5,
      "areas": [
        "consumer",
        "financial_services",
        "energy"
      ]
    },
    "assessment_scope": {
      "risk_type": "evidence_reliance",
      "business_risk": "not_assessed",
      "legal_validity": "not_assessed",
      "later_decision_search": "bounded_same_act_register_search",
      "later_decisions_observed": 7,
      "later_decisions_limit": 25,
      "no_results_proves_validity": false,
      "source_verification": "not_verified",
      "verified_at": null
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    "source_business_topics": {
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      "basis": "registered_court_keywords",
      "matches": [],
      "business_impact": "not_assessed",
      "exhaustive": false
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    "registered_summary": "Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts concluded between a seller or supplier and a consumer – Directive 93/13/EEC – Article 2(c) – Concept of ‘seller or supplier’ – Article 6(1) – Effects of the finding that such a term is unfair – Invalidity of the contract – Article 7(1) – Deterrent effect of the prohibition on unfair terms – Loan agreement denominated in foreign currency – Contractual term placing the exchange rate risk on the consumer – Transfer of a contract among sellers or suppliers under national law – Seller or supplier against whom the consumer may assert the legal consequences of the invalidity of an unfair term in the transferred contract.",
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      "legacy_b2b_value_is_business_impact": false,
      "no_act_link_means_unknown_not_low_business_risk": true
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        "question": "Vad måste företaget göra?",
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        "question": "Vilka regler tolkar domen?",
        "answer": "Domen rör directive-93-13, Directive 93/13.",
        "acts": [
          {
            "id": "directive-93-13",
            "url": "https://legal.exploreworldai.com/api/public/v1/acts/directive-93-13",
            "basis": "domstolens nyckelord"
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        ],
        "instruments": [
          {
            "id": "directive-93-13",
            "label": "Directive 93/13",
            "basis": "domstolens nyckelord"
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        ]
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      "practice_line": {
        "question": "Var ligger domen i praxislinjen?",
        "answer": "Domen ingår i 2 praxislinje(r), en per rättsakt, med alla avgöranden i tidsordning och en hashkedja.",
        "lines": [
          {
            "act": "directive-93-13",
            "url": "https://legal.exploreworldai.com/api/public/v1/praxis-line?act=directive-93-13"
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          {
            "act": "directive-93-13",
            "url": "https://legal.exploreworldai.com/api/public/v1/praxis-line?act=directive-93-13"
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    "extended_sha256": "db52c9c76c7ae8903937898901bbf96fa9e8f57491e3d6bd8e95013e9d340a4e",
    "nearby": [
      {
        "id": "eu:c-246-25",
        "name": "AS v BNP Paribas Bank Polska S.A",
        "court": "EU-domstolen",
        "decided": "2026-04-30",
        "citation": "ECLI:EU:C:2026:362",
        "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-246-25",
        "page": "https://legal.exploreworldai.com/eu/praxis/c-246-25",
        "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-246-25",
        "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-246-25",
        "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-246-25",
        "basis": "same_act"
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      {
        "id": "eu:c-752-24",
        "name": "mBank S.A. v KŁ and JŁ",
        "court": "EU-domstolen",
        "decided": "2026-04-16",
        "citation": "ECLI:EU:C:2026:307",
        "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-752-24",
        "page": "https://legal.exploreworldai.com/eu/praxis/c-752-24",
        "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-752-24",
        "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-752-24",
        "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-752-24",
        "basis": "same_act"
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      {
        "id": "eu:c-753-24",
        "name": "Powszechna Kasa Oszczędności Bank Polski S.A. v MS et MS",
        "court": "EU-domstolen",
        "decided": "2026-04-16",
        "citation": "ECLI:EU:C:2026:308",
        "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-753-24",
        "page": "https://legal.exploreworldai.com/eu/praxis/c-753-24",
        "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-753-24",
        "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-753-24",
        "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-753-24",
        "basis": "same_act"
      },
      {
        "id": "eu:c-901-24",
        "name": "mBank S.A. v TK and DJ et JJ",
        "court": "EU-domstolen",
        "decided": "2026-04-16",
        "citation": "ECLI:EU:C:2026:309",
        "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-901-24",
        "page": "https://legal.exploreworldai.com/eu/praxis/c-901-24",
        "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-901-24",
        "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-901-24",
        "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-901-24",
        "basis": "same_act"
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      {
        "id": "eu:c-903-24",
        "name": "DJ et PJ v Santander Bank Polska S.A",
        "court": "EU-domstolen",
        "decided": "2026-06-11",
        "citation": "ECLI:EU:C:2026:481",
        "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-903-24",
        "page": "https://legal.exploreworldai.com/eu/praxis/c-903-24",
        "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-903-24",
        "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-903-24",
        "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-903-24",
        "basis": "same_act"
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    "agent_lists": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agents",
    "reasoning": {
      "standing": {
        "schema_version": "1.0.0",
        "question": "Gäller domen fortfarande?",
        "steps": [
          {
            "step": 1,
            "kind": "premise",
            "statement": "Avgörandet HM and JD v AXA Bank Belgium SA and Others meddelades 2026-04-23 av EU-domstolen.",
            "evidence": [
              {
                "label": "HM and JD v AXA Bank Belgium SA and Others",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-761-24"
              },
              {
                "label": "Officiell källa",
                "url": "https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:62024CJ0761"
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          {
            "step": 2,
            "kind": "rule",
            "statement": "Det kopplas i registret till 1 rättsakt(er): directive-93-13.",
            "evidence": [
              {
                "label": "directive-93-13",
                "url": "https://legal.exploreworldai.com/api/public/v1/acts/directive-93-13"
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          {
            "step": 3,
            "kind": "evidence",
            "statement": "7 senare avgörande(n) om samma rättsakt finns i registret.",
            "evidence": [
              {
                "label": "K. Sz. and Others v Z. Fundusz Inwestycyjny Zamknięty en liquidation (2026-10-15)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-63-25"
              },
              {
                "label": "Digi România SA v VK (2026-10-08)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-872-24"
              },
              {
                "label": "SVB – Neues Schweizer Viertel Betriebs + Service GmbH & Co. KG v Glarner Straße 5 GbR (2026-09-24)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-900-24"
              },
              {
                "label": "T.Z. and D.Z. v Bank S.A (2026-09-10)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-510-25"
              },
              {
                "label": "Štátny fond rozvoja bývania v GL and Others (2026-07-09)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-188-25"
              }
            ]
          },
          {
            "step": 4,
            "kind": "inference",
            "statement": "Senare avgöranden kan förtydliga, begränsa eller bekräfta domen; registret anger inte upphävande.",
            "evidence": []
          },
          {
            "step": 5,
            "kind": "conclusion",
            "statement": "7 senare avgörande(n) om samma rättsakt finns. Registret anger inte att domen upphävts, men läs de senare domarna innan du lutar dig på den.",
            "evidence": []
          }
        ],
        "conclusion": "7 senare avgörande(n) om samma rättsakt finns. Registret anger inte att domen upphävts, men läs de senare domarna innan du lutar dig på den.",
        "confidence": "medel",
        "limits": [
          "Bygger på registrets kopplingar, inte en läsning av varje senare doms innehåll.",
          "Inte juridisk rådgivning."
        ],
        "reasoning_hash": "sha256:002b2c19610e94115b36fb12737dcf1fcaf06c313efa59f7b4fcdfa48f7b35c1",
        "method": "Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen."
      },
      "risk": {
        "schema_version": "1.0.0",
        "question": "Vilken risk?",
        "steps": [
          {
            "step": 1,
            "kind": "premise",
            "statement": "Risken mäter hur tungt avgörandet bär som underlag, på skalan 0 till 10.",
            "evidence": [
              {
                "label": "Riskobjekt",
                "url": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-761-24"
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          },
          {
            "step": 2,
            "kind": "evidence",
            "statement": "7 senare avgöranden om samma rättsakt, kontrollera att läget håller (+2).",
            "evidence": []
          },
          {
            "step": 3,
            "kind": "inference",
            "statement": "Summan av faktorerna blir 2, vilket motsvarar nivå low.",
            "evidence": []
          },
          {
            "step": 4,
            "kind": "conclusion",
            "statement": "Risknivå low (2 av 10). 7 senare avgöranden om samma rättsakt, kontrollera att läget håller.",
            "evidence": []
          }
        ],
        "conclusion": "Risknivå low (2 av 10). 7 senare avgöranden om samma rättsakt, kontrollera att läget håller.",
        "confidence": "hög",
        "limits": [
          "Poängen är en regelstyrd klassificering, inte en bedömning av ett enskilt ärende."
        ],
        "reasoning_hash": "sha256:e3ee0b8a2623f873b830c808ab011eca7fb078045271983cbcea87dfe5fa2445",
        "method": "Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen."
      },
      "changes": {
        "schema_version": "1.0.0",
        "question": "Vilka domar ändrar bilden?",
        "steps": [
          {
            "step": 1,
            "kind": "premise",
            "statement": "Senare avgöranden om samma rättsakt är de som kan ändra bilden.",
            "evidence": [
              {
                "label": "Ändringsflöde",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/changes"
              }
            ]
          },
          {
            "step": 2,
            "kind": "evidence",
            "statement": "Registret har 7; de senaste listas.",
            "evidence": [
              {
                "label": "K. Sz. and Others v Z. Fundusz Inwestycyjny Zamknięty en liquidation (2026-10-15)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-63-25"
              },
              {
                "label": "Digi România SA v VK (2026-10-08)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-872-24"
              },
              {
                "label": "SVB – Neues Schweizer Viertel Betriebs + Service GmbH & Co. KG v Glarner Straße 5 GbR (2026-09-24)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-900-24"
              },
              {
                "label": "T.Z. and D.Z. v Bank S.A (2026-09-10)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-510-25"
              },
              {
                "label": "Štátny fond rozvoja bývania v GL and Others (2026-07-09)",
                "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-188-25"
              }
            ]
          },
          {
            "step": 3,
            "kind": "conclusion",
            "statement": "De senaste: K. Sz. and Others v Z. Fundusz Inwestycyjny Zamknięty en liquidation (EU-domstolen, 2026-10-15); Digi România SA v VK (EU-domstolen, 2026-10-08); SVB – Neues Schweizer Viertel Betriebs + Service GmbH & Co. KG v Glarner Straße 5 GbR (EU-domstolen, 2026-09-24); T.Z. and D.Z. v Bank S.A (EU-domstolen, 2026-09-10); Štátny fond rozvoja bývania v GL and Others (EU-domstolen, 2026-07-09).",
            "evidence": []
          }
        ],
        "conclusion": "De senaste: K. Sz. and Others v Z. Fundusz Inwestycyjny Zamknięty en liquidation (EU-domstolen, 2026-10-15); Digi România SA v VK (EU-domstolen, 2026-10-08); SVB – Neues Schweizer Viertel Betriebs + Service GmbH & Co. KG v Glarner Straße 5 GbR (EU-domstolen, 2026-09-24); T.Z. and D.Z. v Bank S.A (EU-domstolen, 2026-09-10); Štátny fond rozvoja bývania v GL and Others (EU-domstolen, 2026-07-09).",
        "confidence": "hög",
        "limits": [
          "Följ ändringsflödet med cursor för nya avgöranden."
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