Judgment of the Court (Grand Chamber) of 21 December 2016 (requests for a preliminary ruling from the Juzgado de lo Mercantil No 1 de Granada, Audiencia Provincial de Alicante — Spain) — Francisco Gutiérrez Naranjo v Cajasur Banco SAU (C-154/15), Ana María Palacios Martínez v Banco Bilbao Vizcaya Argentaria SA (BBVA) (C-307/15), Banco Popular Español, SA v Emilio Irles López, Teresa Torres Andreu (C-308/15)

(Joined Cases C-154/15, C-307/15 and C-308/15) 1

(References for a preliminary ruling — Directive 93/13/EEC — Consumer contracts — Mortgage loans — Unfair terms — Article 4(2) — Article 6(1) — Declaration of nullity — Limitation by the national court of the temporal effects of the declaration of nullity of an unfair term)

Language of the case: Spanish

Referring court

Juzgado de lo Mercantil No 1 de Granada, Audiencia Provincial de Alicante

Parties to the main proceedings

Applicants: Francisco Gutiérrez Naranjo (C-154/15), Ana María Palacios Martínez (C-307/15), Banco Popular Español, SA (C-308/15)

Defendants: Cajasur Banco SAU (C-154/15), Banco Bilbao Vizcaya Argentaria SA (BBVA) (C-307/15), Emilio Irles López, Teresa Torres Andreu (C-308/15)

Operative part of the judgment

Article 6(1) of Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts must be interpreted as precluding national case-law that temporally limits the restitutory effects connected with a finding of unfairness by a court, in accordance with Article 3(1) of that directive, in respect of a clause contained in a contract concluded between a consumer and a seller or supplier, to amounts overpaid under such a clause after the delivery of the decision in which the finding of unfairness is made.

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1 OJ C 228, 13.7.2015.

OJ C 279, 24.8.2015.