C-13/19Ibercaja Banco, SA v TJ and UK

Domstolens egne nøkkelord

Reference for a preliminary ruling – Article 53(2) and Article 99 of the Rules of Procedure of the Court of Justice – Consumer protection – Directive 93/13/EEC – Mortgage loan agreement – Unfair terms – Term limiting the variability of the interest rate (so-called ‘floor’ clause) – Novation agreement – Waiver of legal action against the terms of the contract – No binding character – Directive 2005/29/EC – Unfair business-to-consumer commercial practices – Article 6(1) and Article 7(1).

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