{ "attribution": { "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-761-24", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-761-24)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-10-27", "fingerprint": "ewai:se:8d5744", "proof": "sha256:c1a5313b865373dd7b226c407a9d1ec0ceb3f89fef1dbe3c901bef4841daf788", "jurisdiction": "se", "lang": "en" }, "brand_source": "Source: NovaCopilot", "object_type": "decision", "object_id": "decision:eu:c-761-24", "schema_version": "1", "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/decision", "url": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-761-24", "judgment": { "id": "eu:c-761-24", "text": "https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-761-24" }, "siblings": { "risk": "https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-761-24", "relation": "https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-761-24", "change": "https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-761-24", "agent": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-761-24", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-761-24", "status": "https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-761-24", "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-761-24", "edge": "https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-761-24", "element": "https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-761-24", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-761-24", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-761-24", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-761-24" }, "source": "NovaCopilot", "precedent_graph": "https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-761-24", "item": { "judgment": "eu:c-761-24", "issue": "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.", "decisions": [ { "decision_id": "decision:eu:c-761-24#1", "precedent_id": "precedent:eu:c-761-24#1", "paragraph_id": "para_102", "outcome": "does_not_preclude", "then": "Article 2(c), Article 6(1) and Article 7(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as not precluding national legislation under which a consumer, having concluded a contract with a credit institution which was later transferred to another credit institution, must assert the rights that he or she derives from that directive only against the transferee of that contract", "conditions": [ { "text": "provided that that transfer does not make it practically impossible or excessively difficult to exercise the rights that that consumer derives from that directive.", "elements": [ "element:ccpa:consumer" ] } ], "exceptions": [], "elements": [ "element:ccpa:consumer" ], "open": [] } ], "text_sha256": "cad2d9bcd757ae00503ed8a848b3e2249d5d3430d250aca6a0a2cb3daef23756", "method": "Rättsregeln delas i utfall, villkor (where, if, when, provided that) och undantag (unless, except where) med fasta regler.", "graph": { "graph_version": "1", "path": "topic → obligation → decision → sanction → compliance", "relations": [], "open": [ { "decision_id": "decision:eu:c-761-24#1", "missing": [ "obligation", "sanction", "compliance" ], "reason": "Ingen säker registerkoppling via gemensamt rekvisit eller domens rättsakts-ID." }, { "decision_id": "all", "missing": [ "topic" ], "reason": "Ingen kuraterad ämneskoppling för beslutets regelverk." } ], "method": "Deterministisk koppling via permanenta rekvisit-ID:n, registrets rättsakts-ID:n och en kuraterad rättsakt-till-ämne-tabell. Inga relationer skapas med fritextgissning." }, "limits": [], "hash": "9f72ec56c64aeb44f7452e9065d05b47ca89fd131c65ea4be19743f9a693ff14" }, "links": { "provisions": null, "case_law": { "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-761-24", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-761-24", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-761-24", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-761-24" }, "evidence": { "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-761-24", "chain_verify": "https://legal.exploreworldai.com/api/public/v1/changes/verify", "object_changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes" }, "compact": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-761-24?view=compact", "representations": { "sv": "https://legal.exploreworldai.com/eu/praxis/c-761-24", "en": "https://legal.exploreworldai.com/en/eu/praxis/c-761-24" }, "machine_languages": [ "en", "sv" ], "ref": "eu:c-761-24" }, "watch": { "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-761-24", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu%3Ac-761-24", "risk_changes": "https://legal.exploreworldai.com/api/public/v1/risk-changes", "node_state": "https://legal.exploreworldai.com/api/public/v1/node-state?id=eu%3Ac-761-24", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-761-24" }, "metadata": { "schema": "novacopilot_object_metadata/1", "canonical_url": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-761-24", "source": "Source: NovaCopilot", "official_source": null, "short_answer": null, "short_answer_status": "not_in_register", "hash": "9f72ec56c64aeb44f7452e9065d05b47ca89fd131c65ea4be19743f9a693ff14", "schema_version": "1", "last_verified_at": null, "verification_status": "not_verified_yet", "integrity_check_scope": "stored_content_only" }, "hash": "sha256:c1a5313b865373dd7b226c407a9d1ec0ceb3f89fef1dbe3c901bef4841daf788", "version": "legal-2026-10-27", "expires": "2026-10-28T00:00:00.000Z", "dependency": { "index_version": "legal-2026-10-27+legal-2026-10-27+2026-10-27T08:00:58", "content_hash": "sha256:c1a5313b865373dd7b226c407a9d1ec0ceb3f89fef1dbe3c901bef4841daf788", "revalidate_after": "2026-10-27T13:00:44.415Z", "max_copy_age_seconds": 3600, "policy": "revalidate-required; attribution-preferred", "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency", "verify": "https://legal.exploreworldai.com/api/public/v1/verify", "stale_copy_invalid": true }, "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-761-24", "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.", "content_notice": { "legal_advice": false, "nature": "Source register. Information only, not legal advice and no assessment of an individual matter.", "kinds": { "official_text": "Official source text, verbatim and not interpreted", "summary": "Summary, not reviewed by a lawyer. Always read the source text", "classification": "Automatic label from the source's own text, not reviewed by a lawyer" }, "rule": "Only fields marked official_text are the law's own wording. Everything else points to it.", "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections", "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration" }, "usageInfo": "https://legal.exploreworldai.com/citering" }