C-280/24A. B. v Slovenská sporiteľňa a.s

Domstolens egne nøkkelord

Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts – Directive 93/13/EEC – Assessment of whether a term which has not been individually negotiated is unfair – Article 3(1) and Article 4(1) – Consumer credit agreement – ‘Arrangement fee’ clause – Requirement of transparency – Article 4(2) and Article 5 – Clause not specifying the substance of the services supplied in exchange for that fee – Whether defining the fee borne by the consumer and indicating the specific amount of that fee is sufficient – Passing on to the consumer of all of the costs of the activities associated with the arrangement fee.

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