Judgment of the Court (Fourth Chamber), 30 April 2014

Árpád Kásler and Hajnalka Káslerné Rábai v OTP Jelzálogbank Zrt

Request for a preliminary ruling from the Kúria

Directive 93/13/EEC — Unfair terms in a contract concluded between a seller or supplier and a consumer — Articles 4(2) and 6(1) — Assessment of the unfairness of the contractual terms — Exclusion of terms relating to the main subject­ matter of the contract or the adequacy of the price and the remuneration provided they are drafted in plain intelligible language — Consumer credit contracts denominated in foreign currency — Terms relating to the exchange rate — Difference between the buying rate of exchange applicable to the advance of the loan and the selling rate of exchange applicable to its repayment — Powers of the national court when dealing with a term considered to be unfair — Substitution of the unfair term by a supplementary provision of national law — Whether lawful

Case C‑26/13


Top of the page Documents in the Case
Document Date Name of the parties Subject-matter Curia EUR-Lex
Judgment (OJ)
06/06/2014 Kásler and Káslerné Rábai
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Judgment
ECLI:EU:C:2014:282
30/04/2014 Kásler and Káslerné Rábai
EUR-Lex text EUR-Lex bilingual text
Judgment (Summary)
ECLI:EU:C:2014:282
30/04/2014 Kásler and Káslerné Rábai
Opinion
ECLI:EU:C:2014:85
12/02/2014 Kásler and Káslerné Rábai
EUR-Lex text EUR-Lex bilingual text
Application (OJ)
17/05/2013 Kásler and Káslerné Rábai
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Order
ECLI:EU:C:2013:218
10/04/2013 Kásler and Káslerné Rábai
Top of the page Legal analysis of the decision or of the case

Reports of Cases

published in the electronic Reports of Cases (Court Reports - general)

Subject-matter

Request for a preliminary ruling – Kúria – Interpretation of Art. 4(2) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts (OJ 1993 L 95, p. 29) – Assessment of unfairness of contractual terms – Loan contract denominated in a foreign currency and a mortgage concluded between an individual and a bank, under which the payment and repayment of the loan are to be made in the national currency – Debt calculated, at the time the contract was concluded, on the basis of the selling price of the foreign currency – Term providing that the monthly instalments to be paid are determined by suing the current buying price of the currency and not the selling price.

Systematic classification scheme

Information not available


Citations of case-law or legislation

References in grounds of judgment

  • Directive 93/13 : paragraphs 39, 71, 72, 81
  • Directive 93/13 -A01 : paragraph 4
  • Directive 93/13 -A03 : paragraphs 5, 73
  • Directive 93/13 -A03P1 : paragraphs 40, 48, 68
  • Directive 93/13 -A03P3 : paragraph 11
  • Directive 93/13 -A04 : paragraph 6
  • Directive 93/13 -A04P2 : paragraphs 1, 35, 36, 38, 41, 42, 45 - 54, 58 - 63, 66, 68, 69, 75
  • Directive 93/13 -A05 : paragraphs 7, 40, 67, 69, 70, 73
  • Directive 93/13 -A06P1 : paragraphs 1, 8, 35, 76, 77, 80, 82, 85
  • Directive 93/13 -A07 : paragraph 79
  • Directive 93/13 -A07P1 : paragraphs 9, 78
  • Directive 93/13 -A08 : paragraphs 10, 41
  • Directive 93/13 -C12 : paragraphs 3, 48
  • Directive 93/13 -C13 : paragraph 3
  • Directive 93/13 -C19 : paragraph 3
  • Directive 93/13 -C20 : paragraphs 3, 67
  • Directive 93/13 -C24 : paragraphs 3, 78
  • Directive 93/13 -NPT1LG : paragraph 12
  • Directive 93/13 -NPT1LJ : paragraphs 11, 12, 73
  • Directive 93/13 -NPT1LL : paragraphs 11, 12, 73
  • Directive 93/13 -NPT2LB : paragraphs 12, 73
  • Directive 93/13 -NPT2LD : paragraphs 12, 73
  • Court of Justice - Judgment C -484/08 : paragraphs 39, 41, 46, 63
  • Court of Justice - Judgment C -453/10 : paragraph 82
  • Court of Justice - Judgment C -472/10 : paragraphs 40, 56
  • Court of Justice - Judgment C -618/10 : paragraphs 35, 77 - 79, 82
  • Court of Justice - Judgment C -92/11 : paragraphs 40, 45, 70, 73
  • Court of Justice - Judgment C -279/12 : paragraph 37
  • Court of Justice - Judgment C -351/12 : paragraphs 64, 65
  • Court of Justice - Opinion C -26/13 : paragraph 55

Operative part

  • Interprets : Directive 93/13 -A04P2
  • Interprets : Directive 93/13 -A06P1

Opinion

  • TFEU, Article 267 : point 47
  • Directive 93/13 : points 3, 29, 35 - 38, 41, 47, 95
  • Directive 93/13 -A03 : points 5, 32
  • Directive 93/13 -A03P1 : point 36
  • Directive 93/13 -A04 : point 6
  • Directive 93/13 -A04P2 : points 2, 3, 24 - 48, 61, 64, 67 - 91, 107
  • Directive 93/13 -A05 : points 83, 84
  • Directive 93/13 -A06P1 : points 2, 7, 24, 94, 95, 100, 106, 107
  • Directive 93/13 -A07 : point 95
  • Directive 93/13 -A08 : point 38
  • Directive 93/13 -C12 : point 4
  • Directive 93/13 -C13 : point 100
  • Directive 93/13 -C19 : point 4
  • Directive 93/13 -N : point 31
  • Directive 93/13 -NPT1LJ : point 8
  • Directive 93/13 -NPT1LL : point 8
  • Directive 93/13 -NPT2LB : point 9
  • Directive 93/13 -NPT2LD : point 9
  • Directive 2008/48 : point 57
  • Directive 2008/48 -A03LC : point 57
  • Commission - COM Document (Draft Legislation) - 51990PC0322 : point 29
  • Commission - COM Document (Other than Draft Legislation) - 52000DC0248 : points 35, 68
  • Court of Justice - Judgment C -106/89 : point 76
  • Court of Justice - Judgment C -472/93 : point 76
  • Court of Justice - Judgment C -240/98 : point 76
  • Court of Justice - Opinion C -144/99 : point 35
  • Court of Justice - Judgment C -144/99 : point 77
  • Court of Justice - Judgment C -237/02 : point 47
  • Court of Justice - Opinion C -484/08 : points 29, 39
  • Court of Justice - Judgment C -137/08 : point 46
  • Court of Justice - Judgment C -484/08 : points 37, 38, 45, 77
  • Court of Justice - Opinion C -453/10 : point 61
  • Court of Justice - Judgment C -453/10 : point 101
  • Court of Justice - Judgment C -472/10 : point 62
  • Court of Justice - Judgment C -618/10 : points 24, 62, 93 - 96, 104
  • Court of Justice - Judgment C -92/11 : point 83


Dates

Date of the lodging of the application initiating proceedings

  • 21/01/2013

Date of the Opinion

  • 12/02/2014

Date of the hearing

Information not available

Date of delivery

30/04/2014


References

Publication in the Official Journal

Judgment: OJ C 194 from 24.06.2014, p.5

Application: OJ C 156 from 01.06.2013, p.18

Name of the parties

Kásler and Káslerné Rábai

Notes on Academic Writings

  1. Berlin, Dominique: Obscurité des clauses contractuelles… et de la directive, La Semaine Juridique - édition générale 2014 nº 19 p.957 (FR)
  2. Fervers, Matthias: Verbraucherrecht: Folgen rechtsmissbräuchlicher Klauseln bei Tilgung von Fremdwährungsdarlehen, Europäische Zeitschrift für Wirtschaftsrecht 2014 p.510-511 (DE)
  3. Mok, M.R.: Nederlandse jurisprudentie ; Uitspraken in burgerlijke en strafzaken 2014 nº 4491-4493 (NL)
  4. Sik-Simon, Rita: Missbräuchliche Klauseln in Fremdwährungskreditverträgen – Klauselersatz durch dispositive nationale Vorschriften, EuGH Rs C-26/13 (Kásler) und Kúria 2/2014. PJE határozata, Zeitschrift für Europäisches Unternehmens- und Verbraucherrecht 2014 p.256-261 (DE, EN)
  5. Poillot, Élise: Cour de justice, 4e ch., 27 mars 2014, Árpád Kásler et Hajnalka Káslerné Rábai c/ OTP Jelzálogbank Zrt, aff. C-26/13, ECLI:EU:C:2014:282, Jurisprudence de la CJUE 2014 (Ed. Bruylant - Bruxelles) 2014 p.739-742 (FR)
  6. Meister, Marie: Clauses abusives et office du juge, Europe 2014 Juin nº 6 p.39-40 (FR)
  7. Somssich, Réka: Az Európai Bíróság ítélete a fogyasztókkal kötött szerződésekben alkalmazott tisztességtelen feltételekről, Jogesetek Magyarázata 2014 nº 4 p.83-91 (HU)
  8. Vuksanović, Igor: Ničnost nepoštenih pogodbenih pogojev, Pravna praksa 2015 nº 6 p.23-24 (SL)
  9. Hojnik, Janja: Sklepanje posojil v tuji valuti v luči direktive EU o nepoštenih pogodbenih pogojih, Davčno-finančna praksa : davki, finance, zavarovalnistvo 2015 n° 4 p.23-26 (SL)
  10. Loos, M.B.M.: Tijdschrift voor consumentenrecht en handelspraktijken 2016 p.135-136 (NL)
  11. Pavičić, Ivan Branimir ; Pižeta, Ivan: Analiza slučaja "Franak" - osvrt i kritike presuda u postupku kolektivne zaštite potrošača, Hrvatska pravna revija 2016 n° 9 p.36-47 (HR)
  12. Papp, Mónika: Kivel szemben tisztességtelen? Gondolatok az európai uniós fogyasztói képről és az Európai Unió Bírósága által biztosított jogvédelem szintjéről, Versenytükör 2016 1. szám p.28-37 (HU)
  13. Fazekas, Judit: The consumer credit crisis and unfair contract terms regulation – Before and after Kásler, Journal of European Consumer and Market Law 2017 p.99-106 (EN)
  14. Sladič, Jorg: Sodišče EU ne vidi razloga za neveljavnost potrošniških kreditov, nominiranih v švicarskih frankih, Pravna praksa 2017 nº 34 p.6-9 (SL)
  15. Preininger, Robert: Še na temo potrošniških kreditov, nominiranih v švicarskih frankih, Pravna praksa 2017 nº 35 p.14-17 (SL)
  16. Tereszkiewicz, Piotr: Kredyty walutowe w orzecznictwie Trybunału Sprawiedliwości Unii Europejskiej - wybrane zagadnienia, Experientia docet, Księga jubileuszowa ofiarowana Pani Profesor Elżbiecie Traple (Wolters Kluwe, 2017) 2017, p. 1416-1428 (PL)
  17. Simon, Rita: Spotřebitelské modely v evropském a českém právu s ohledem na smluvněprávni spory, Právník: teoreticky casopis pro otázky státu a práva 2018 nº5 p.385-406 (CS)



Procedural Analysis Information

Source of the question referred for a preliminary ruling

Kúria (Cour suprême) - Hungary

Subject-matter

  • Approximation of laws
  • Consumer protection

Provisions of national law referred to

1959. évi IV. törvény a Polgári Törvénykönyvről, 237. §, 239. §, 239/A. §, 523. §, 231. §

1959. évi IV. törvény a Polgári Törvénykönyvről, 209. § (1), (4)-(5) bekezdés, 231. § (1)-(2), 237. § (1)-(2), 239. § (1)-(2), 239/A. §, 523. § (1)-(2)

HU - A polgári törvénykönyvről szóló 1959. évi IV. törvény 209. §, 237. §, 239. §, 239/A. §, 523. §, 231. §

Provisions of international law referred to

Information not available

Procedure and result

  • Reference for a preliminary ruling

Formation of the Court

quatrième chambre (Cour)

Judge-Rapporteur

Prechal

Advocate General

Wahl

Language(s) of the Case

  • Hungarian

Language(s) of the Opinion

  • French