Judgment of the Court (Grand Chamber) of 26 March 2019

Abanca Corporación Bancaria SA v Alberto García Salamanca Santos and Bankia SA v Alfonso Antonio Lau Mendoza and Verónica Yuliana Rodríguez Ramírez

Requests for a preliminary ruling from the Tribunal Supremo and the Juzgado de Primera Instancia no 1 de Barcelona

Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Articles 6 and 7 — Unfair terms in consumer contracts — Accelerated repayment clause of a mortgage loan contract — Declaration that the clause is unfair in part — Powers of the national court when dealing with a term regarded as ‘unfair’ — Replacement of the unfair term with a provision of national law

Joined Cases C-70/17 and C-179/17

Top of the page Documents in the Case
Document Date Name of the parties Subject-matter Curia EUR-Lex
26/03/2019 Abanca Corporación Bancaria
EUR-Lex text EUR-Lex bilingual text
13/09/2018 Abanca Corporación Bancaria
EUR-Lex text EUR-Lex bilingual text
Application (OJ)
31/03/2017 Abanca Corporación Bancaria
View pdf documents
16/03/2017 Abanca Corporación Bancaria
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)


Information not available

Systematic classification scheme

4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms Effects of a declaration that a term is unfair

Citations of case-law or legislation

References in grounds of judgment

  • Directive 93/13 -A06P1

Operative part

  • Interprets : Directive 93/13 -A06
  • Interprets : Directive 93/13 -A07



Date of the lodging of the application initiating proceedings

  • 09/02/2017

Date of the Opinion

  • 13/09/2018

Date of the hearing

Information not available

Date of delivery



Publication in the Official Journal

Application: OJ C 121 from 18.04.2017, p.17

Name of the parties

Abanca Corporación Bancaria

Notes on Academic Writings

Information not available

Procedural Analysis Information

Source of the question referred for a preliminary ruling

Tribunal Supremo - Spain


  • Consumer protection
  • Approximation of laws

Procedure and result

  • Reference for a preliminary ruling

Formation of the Court

grande chambre (Cour)



Advocate General


Language(s) of the Case

  • Spanish

Language(s) of the Opinion

  • French