{"attribution":{"source":"legal.exploreworldai.com","canonical":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-679-24","cite_as":"NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-679-24)","license":"https://legal.exploreworldai.com/revision","version":"legal-2026-10-29","fingerprint":"ewai:se:a8d31e","proof":"sha256:b096734f43ab2b29d4df1ec0f33215ded019bb2daa17b829220682ce6575b839","jurisdiction":"se","lang":"en"},"brand_source":"Source: NovaCopilot","object_type":"precedent","object_id":"precedent:eu:c-679-24","schema_version":"1","schema":"https://legal.exploreworldai.com/api/public/v1/schemas/precedent","url":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-679-24","judgment":{"id":"eu:c-679-24","text":"https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-679-24"},"siblings":{"risk":"https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-679-24","relation":"https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-679-24","change":"https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-679-24","agent":"https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-679-24","provenance":"https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-679-24","status":"https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-679-24","edge":"https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-679-24","element":"https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-679-24","decision":"https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-679-24","weight":"https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-679-24","conflict":"https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-679-24","citation_graph":"https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-679-24"},"source":"NovaCopilot","precedent_graph":"https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-679-24","item":{"judgment":"eu:c-679-24","issue":"Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Loan agreement denominated in foreign currency – Term placing the exchange rate risk on the consumer – Effects of a finding that the term is unfair – Action for restitution of the sums paid pursuant to the unfair term – Starting point of the limitation period for an action for restitution – Resumption of the limitation period after a period of suspension.","court":"CJ","decided":"2026-03-19","binding":"binding","status":"final","holdings":[{"n":1,"paragraph_id":"para_183","text":"1. Article 1(1) and Article 7(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts, read in the light of the principle of effectiveness,","kind":"operative_part","precedent_id":"precedent:eu:c-679-24#1"},{"n":2,"paragraph_id":"para_184","text":"must be interpreted as precluding a judicial interpretation of national law according to which, where a loan agreement is invalid and cannot continue in existence without the unfair term on the ground that that term relates to the main subject matter of the agreement, the consumer can rely, in court, on the legal consequences of the finding of the invalidity of that agreement only within a limitation period of five years from the date on which that agreement was concluded, if, on that date, the consumer was not aware or was not in a position to become aware of the unfairness of the contractual term concerned and, therefore, was not in a position to assert his or her rights under Directive 93/13 effectively.","kind":"operative_part","precedent_id":"precedent:eu:c-679-24#2"},{"n":3,"paragraph_id":"para_185","text":"2. Directive 93/13 must be interpreted as precluding the date on which the Court of Justice ruled on the interpretation of that directive or the date on which the national court of last instance ruled on the unfairness of terms included in agreements concluded with consumers from being used to determine the starting point of the limitation period for the action brought by a consumer seeking restitution of sums paid on the basis of a term similar to the term which gave rise to the interpretation of that directive provided by the Court of Justice or to the term that was the subject of the decision of the national courts, or for the purpose of resuming that limitation period following its suspension.","kind":"operative_part","precedent_id":"precedent:eu:c-679-24#3"}],"text_sha256":"e3773e30773e75db52c650a0bc391b808807f827868aae28d3a74eed6013bb76","method":"Domslutet efter 'On those grounds' i domens egen text.","limits":[],"hash":"92297dbb096f34c597edfd1e65a1cbffbae4aa94d5a03eddb023caa43331c353"},"links":{"provisions":null,"case_law":{"precedent":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-679-24","conflict":"https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-679-24","citation_graph":"https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-679-24","weight":"https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-679-24"},"evidence":{"provenance":"https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-679-24","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/precedent/eu:c-679-24?view=compact","representations":{"sv":"https://legal.exploreworldai.com/eu/praxis/c-679-24","en":"https://legal.exploreworldai.com/en/eu/praxis/c-679-24"},"machine_languages":["en","sv"],"ref":"eu:c-679-24"},"watch":{"risk":"https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-679-24","relations":"https://legal.exploreworldai.com/api/public/v1/relations?id=eu%3Ac-679-24","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-679-24","provenance":"https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-679-24"},"metadata":{"schema":"novacopilot_object_metadata/1","canonical_url":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-679-24","source":"Source: NovaCopilot","official_source":null,"short_answer":null,"short_answer_status":"not_in_register","hash":"92297dbb096f34c597edfd1e65a1cbffbae4aa94d5a03eddb023caa43331c353","schema_version":"1","last_verified_at":null,"verification_status":"not_verified_yet","integrity_check_scope":"stored_content_only"},"hash":"sha256:b096734f43ab2b29d4df1ec0f33215ded019bb2daa17b829220682ce6575b839","version":"legal-2026-10-29","expires":"2026-10-31T00:00:00.000Z","dependency":{"index_version":"legal-2026-10-29+legal-2026-10-29+2026-10-29T20:33:22","content_hash":"sha256:b096734f43ab2b29d4df1ec0f33215ded019bb2daa17b829220682ce6575b839","revalidate_after":"2026-10-30T02:01:56.055Z","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/precedent/eu:c-679-24","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","freshness":{"freshness_class":"live","as_of":"2026-10-30T01:01:56.859Z","valid_for":3600,"recheck":"https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-679-24","note":"Kontrollera mot recheck efter valid_for sekunder. If-None-Match ger 304 när inget ändrats.","tokens":2253}}