Judgment of the Court (First Chamber) of 10 June 2021

VB and Others v BNP Paribas Personal Finance SA and AV and Others v BNP Paribas Personal Finance SA and Procureur de la République

Requests for a preliminary ruling from the tribunal de grande instance de Paris

Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Mortgage loan agreements denominated in a foreign currency (Swiss francs) – Limitation – Article 4(2) – Main subject matter of the contract – Terms exposing the borrower to a foreign exchange risk – Requirements of intelligibility and transparency – Burden of proof – Article 3(1) – Significant imbalance – Article 5 – Contractual term that is in plain, intelligible language – Principle of effectiveness

Joined Cases C-776/19 to C-782/19


Top of the page Documents in the Case
Document Date Name of the parties Subject-matter Curia EUR-Lex Autres Liens
Judgment (OJ)
09/07/2021 BNP Paribas Personal Finance
Approximation of laws
  • Approximation of laws
  • Consumer protection
EUR-Lex text EUR-Lex bilingual text
Judgment
ECLI:EU:C:2021:470		 10/06/2021 BNP Paribas Personal Finance
Approximation of laws
  • Approximation of laws
  • Consumer protection
EUR-Lex text EUR-Lex bilingual text
Application (OJ)
20/12/2019 BNP Paribas Personal Finance
Approximation of laws
  • Approximation of laws
  • Consumer protection
EUR-Lex text EUR-Lex bilingual text
Request for a preliminary ruling
22/10/2019 BNP Paribas Personal Finance
Approximation of laws
  • Approximation of laws
  • Consumer protection
EUR-Lex text EUR-Lex bilingual text
Top of the page Legal analysis of the decision or of the case

Reports of Cases

not yet published (Court Reports - general)

Subject-matter

Information not available

Systematic classification scheme

1.
-
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.05 Means to prevent the continued use of an unfair term
-
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.01 Scope of the legislation
-
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.01 Scope of the legislation
-
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.01 Scope of the legislation
-
4 Internal policy of the European Union
  4.18 Consumer protection
    4.18.04 Unfair terms
      4.18.04.02 Criteria for assessing the unfair character of a term


Citations of case-law or legislation

References in grounds of judgment

Operative part

Opinion

Information not available


Dates

Date of the lodging of the application initiating proceedings

  • 22/10/2019

Date of the Opinion

Information not available

Date of the hearing

Information not available

Date of delivery

10/06/2021


References

Publication in the Official Journal

Information not available

Name of the parties

BNP Paribas Personal Finance

Notes on Academic Writings

  1. Bassani, Vincent: Protection des consommateurs - Clauses abusives, Europe 2021, n° 8-9 août, comm. 312 (FR)



Procedural Analysis Information

Source of the question referred for a preliminary ruling

Tribunal de grande instance de Paris - France

Subject-matter

  • Approximation of laws
  • Consumer protection

Provisions of national law referred to

Information not available

Provisions of international law referred to

Information not available

Procedure and result

  • Reference for a preliminary ruling

Formation of the Court

première chambre (Cour)

Judge-Rapporteur

Jääskinen

Advocate General

Kokott

Language(s) of the Case

  • French

Language(s) of the Opinion

    Information not available