Request for a preliminary ruling from the Sąd Rejonowy w Opatowie (Poland) lodged on 8 July 2020 – Ultimo Portfolio Investment (Luxembourg) S.A. v KM

(Case C-303/20)

Language of the case: Polish

Referring court

Sąd Rejonowy w Opatowie

Parties to the main proceedings

Applicant: Ultimo Portfolio Investment (Luxembourg) S.A.

Defendant: KM

Question referred

Does the penalty of liability for a petty offence that is imposed in Article 138c(1) of the Polish Kodeks wykroczeń (Code of Petty Offences) for a failure to comply with the obligation to assess a consumer’s creditworthiness laid down in Article 8(1) of Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC ¹ constitute proper and sufficient implementation of the requirement, imposed on the Member State in Article 23 of that directive, to lay down in national law effective, proportionate and dissuasive penalties for a breach by the creditor of the obligation to assess the creditworthiness of a consumer?

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¹ OJ 2008 L 133, p. 66.