C-339/23Horyzont Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty v LC

Domstolens egne nøkkelord

Reference for a preliminary ruling – Consumer protection – Credit agreements for consumers – Directive 2008/48/EC – Risk of over-indebtedness – Article 8 – Obligation on the creditor to check the creditworthiness of the consumer – Article 10 – Information to be included in credit agreements – Article 23 – Penalty in the event of failure to comply with that obligation – Equivalent penalties – Effective, proportionate and dissuasive nature of the penalty.

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