C-567/20A.H. v Zagrebačka banka d.d

The court's own keywords

Reference for a preliminary ruling – Consumer protection – Unfair terms – Directive 93/13/EEC – Applicability ratione temporis – Article 10(1) – Loan agreement concluded prior to Member State’s accession to the EU but amended after that date – Article 6 – Reimbursement of benefits improperly obtained by the seller or supplier – National legislation providing for the replacement of unfair terms and reimbursement of the overpayment – Applicability ratione materiae – Article 1(2) – Exclusion of contractual terms which reflect mandatory statutory or regulatory provisions.

Interprets