Court of Justice of the European Union · Judgment
C-744/24P.W. v Bank Polska Kasa Opieki S.A
- Decided
- 2026-04-23
- ECLI
- ECLI:EU:C:2026:337
- CELEX
- 62024CJ0744
- Finality
- Final, the decision cannot be appealed
The court's own keywords
Reference for a preliminary ruling – Credit agreements for consumers – Directive 2008/48/EC – Article 3(j) – Article 10(2)(f) – The concept of ‘borrowing rate’ – The concept of ‘amount of credit drawn down’ – Article 3(g) – The concept of ‘total cost of the credit to the consumer’ – Charging interest on an amount corresponding to the cost of the credit – Insurance premium.
Interprets
Read from EU:s publikationsbyrå, Cellar (EUR-Lex och CURIA) on 2026-08-22.
The row repeats what the source states. It is not a summary, not a conclusion about any single case and not legal advice.
Verifiable trust signals
- Six fixed blocks, one source per line
- No sentence written by a language model
- Engine version and read date on every answer
- No customer data, no documents, no advice
- Model card and audit published under the EU AI Act