C-761/24HM and JD v AXA Bank Belgium SA and Others

Domstolens egne nøkkelord

Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts concluded between a seller or supplier and a consumer – Directive 93/13/EEC – Article 2(c) – Concept of ‘seller or supplier’ – Article 6(1) – Effects of the finding that such a term is unfair – Invalidity of the contract – Article 7(1) – Deterrent effect of the prohibition on unfair terms – Loan agreement denominated in foreign currency – Contractual term placing the exchange rate risk on the consumer – Transfer of a contract among sellers or suppliers under national law – Seller or supplier against whom the consumer may assert the legal consequences of the invalidity of an unfair term in the transferred contract.

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