Request for a preliminary ruling from the Tribunal d’instance de Rennes (France) lodged on 27 November 2019 — Caisse de Crédit Mutuel Le Mans Pontlieue v OG

(Case C-865/19)

Language of the case: French

Referring court

Tribunal d’instance de Rennes

Parties to the main proceedings

Applicant: Caisse de Crédit Mutuel Le Mans Pontlieue

Defendant: OG

Question referred

Where the annual percentage rate of charge for credit granted to a consumer is 5.364511%, does the rule laid down in Directives 98/7/EC of 16 February 1998, 1 2008/48/EC of 23 April 2008 2 and 2014/17/EU of 4 February 2014, 3 according to which, in the [English] version, ‘The result of the calculation shall be expressed with an accuracy of at least one decimal place. If the figure at the following decimal place is greater than or equal to 5, the figure at this particular decimal place shall be increased by one’, allow it to be concluded that an agreement stating that the annual percentage rate of charge is 5.363% is accurate?

____________

1     Directive 98/7/EC of the European Parliament and of the Council of 16 February 1998 amending Directive 87/102/EEC for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit (OJ 1998 L 101, p. 17).

2      (OJ 2008 L 133, p. 66).

3     Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 Text with EEA relevance (OJ 2014 L 60, p. 34).