Reports of Cases

not yet published (Court Reports - general)

Subject-matter

Information not available

Systematic classification scheme

Citations of case-law or legislation

References in grounds of judgment

• TFEU, Article 267 : paragraphs 19, 20
• Directive 93/13 : paragraphs 17, 18, 29
• Directive 93/13 -A01 : paragraph 3
• Directive 93/13 -A01P2 : paragraphs 26, 27, 30, 31
• Directive 93/13 -A03P1 : paragraphs 1, 4, 17, 22, 52, 56, 58
• Directive 93/13 -A04 : paragraphs 5, 53
• Directive 93/13 -A04P2 : paragraphs 1, 15 - 17, 22, 24, 32, 34, 35, 37, 41 - 44, 51
• Directive 93/13 -A05 : paragraphs 6, 44
• Secondary Legislation - Document published in the OJ C series- 32011Y1122(01) : paragraph 49
• Court of Justice - Rules of Procedure (2012) -A94 : paragraph 20
• Court of Justice - Judgment C -484/08 -N32 : paragraph 43
• Court of Justice - Judgment C -484/08 -N34 : paragraph 35
• Court of Justice - Judgment C -92/11 -N25 : paragraph 27
• Court of Justice - Judgment C -92/11 -N26 : paragraph 29
• Court of Justice - Judgment C -92/11 -N44 : paragraph 48
• Court of Justice - Judgment C -92/11 -N48 : paragraph 22
• Court of Justice - Judgment C -415/11 -N68 : paragraphs -, 69, 57
• Court of Justice - Judgment C -26/13 : paragraphs 39, 40
• Court of Justice - Judgment C -26/13 -N42 : paragraph 34
• Court of Justice - Judgment C -26/13 -N50 : paragraph 36
• Court of Justice - Judgment C -26/13 -N68 : paragraph 43
• Court of Justice - Judgment C -26/13 -N71 : paragraphs -, 72, 44
• Court of Justice - Judgment C -26/13 -N75 : paragraph 45
• Court of Justice - Judgment C -34/13 -N71 : paragraph 25
• Court of Justice - Judgment C -34/13 -N76 : paragraph 27
• Court of Justice - Judgment C -34/13 -N77 : paragraph 31
• Court of Justice - Judgment C -34/13 -N78 : paragraph 28
• Court of Justice - Judgment C -34/13 -N79 : paragraph 29
• Court of Justice - Judgment C -58/13 -N32 : paragraph 21
• Court of Justice - Judgment C -143/13 -N50 : paragraph 34
• Court of Justice - Judgment C -143/13 -N75 : paragraph 46
• Court of Justice - Judgment C -96/14 -N28 : paragraph 22
• Court of Justice - Judgment C -96/14 -N31 : paragraph 34
• Court of Justice - Judgment C -96/14 -N33 : paragraphs 35, 36
• Court of Justice - Judgment C -96/14 -N50 : paragraph 45
• Court of Justice - Judgment C -348/14 -N48 : paragraph 53
• Court of Justice - Judgment C -348/14 -N52 : paragraph 44
• Court of Justice - Judgment C -348/14 -N66 : paragraph 47
• Court of Justice - Judgment C -421/14 -N29 : paragraph 19
• Court of Justice - Judgment C -72/15 -N50 : paragraph 20
• Court of Justice - Judgment C -154/15 -N50 : paragraph 48
• Court of Justice - Judgment C -499/15 -N45 : paragraph 25
• Court of Justice - Opinion C -186/16 : paragraphs 30, 38, 40, 50, 54

Operative part

• Interprets : Directive 93/13 -A03P1
• Interprets : Directive 93/13 -A04P2

Opinion

• Directive 93/13 : points 65, 80, 81, 84
  
• Directive 93/13 -A01 : point 3
  
• Directive 93/13 -A01P2 : points 53, 57 - 59, 91
  
• Directive 93/13 -A03P1 : points 1, 2, 4, 22, 31, 73, 75, 76, 90, 91
  
• Directive 93/13 -A04 : point 5
  
• Directive 93/13 -A04P1 : point 77
  
• Directive 93/13 -A04P2 : points 1, 2, 22, 29 - 34, 36, 37, 40, 59, 61, 74, 91
  
• Directive 93/13 -A05 : point 62
  
• Directive 2008/48 -A03LG : point 52
  
• Directive 2008/48 -A04 : point 65
  
• Directive 2008/48 -A05 : point 65
  
• Directive 2008/48 -A06 : point 65
  
• Secondary Legislation - Document published in the OJ C series- 32011Y1122(01) : point 66
  
• Court of Justice - Judgment C -115/08 -N81 : point 55
  
• Court of Justice - Judgment C -484/08 -N32 : point 61
  
• Court of Justice - Judgment C -472/10 : point 52
  
• Court of Justice - Judgment C -92/11 : point 83
  
• Court of Justice - Judgment C -92/11 -N28 : point 54
  
• Court of Justice - Judgment C -92/11 -N48 : point 31
  
• Court of Justice - Judgment C -415/11 : point 75
  
• Court of Justice - Judgment C -415/11 -N69 : point 79
  
• Court of Justice - Judgment C -226/12 : point 75
  
• Court of Justice - Judgment C -226/12 -N24 : point 79
  
• Court of Justice - Opinion C -26/13 : points 2, 43
  
• Court of Justice - Opinion C -26/13 -N33 : point 34
  
• Court of Justice - Judgment C -26/13 : points 2, 51, 62, 70
  
• Court of Justice - Judgment C -26/13 -N41 : point 30
  
• Court of Justice - Judgment C -26/13 -N42 : point 36
  
• Court of Justice - Judgment C -26/13 -N45 : point 31
  
• Court of Justice - Judgment C -26/13 -N49 : point 38
  
• Court of Justice - Judgment C -26/13 -N54 : point 39
  
• Court of Justice - Judgment C -26/13 -N68 : point 61
  
• Court of Justice - Judgment C -26/13 -N71 : point 63
  
• Court of Justice - Judgment C -26/13 -N74 : point 71
  
• Court of Justice - Judgment C -34/13 -N71 : point 55
  
• Court of Justice - Judgment C -34/13 -N80 : point 57
  
• Court of Justice - Judgment C -58/13 -N32 : point 27
  
• Court of Justice - Judgment C -143/13 : points 2, 52
  
• Court of Justice - Judgment C -143/13 -N49 : point 36
  
• Court of Justice - Judgment C -143/13 -N50 : point 37
  
• Court of Justice - Judgment C -143/13 -N53 : point 31
  
• Court of Justice - Judgment C -143/13 -N53 : point 38
  
• Court of Justice - Judgment C -143/13 -N55 : point 39
  
• Court of Justice - Judgment C -143/13 -N7375 : point 63
  
• Court of Justice - Judgment C -96/14 -N31 : point 36
  
• Court of Justice - Judgment C -96/14 -N33 : point 38
  
• Court of Justice - Judgment C -312/14 : point 49
  
• Court of Justice - Judgment C -348/14 -N51 : point 63
  
• Court of Justice - Judgment C -421/14 : point 28
  

Dates

Date of the lodging of the application initiating proceedings

• 01/04/2016

Date of the Opinion

• 27/04/2017

Date of the hearing

Information not available

Date of delivery

20/09/2017

References

Publication in the Official Journal

Judgment: OJ C 382 from 13.11.2017, p.21

Application: OJ C 243 from 04.07.2016, p.16

Name of the parties

Andriciuc and Others

Notes on Academic Writings

1. Sladič, Jorg: Luxembourg locuta, causa finita, Pravna praksa 2017 nº 36-37 p.26-30 (SL)
2. Preininger, Robert: Sodišče EU dokončno na široko odprlo vrata ničnosti potrošnikih kreditnih pogodb, Pravna praksa 2017 nº 41-42 p.13-16 (SL)
3. Sladič, Jorg: Ali pravo EU res zahteva ničnost posojilnih pogodb s potrošniki glede posojil v CHF?, Pravna praksa 2017 nº 43 p.15-16 (SL)
4. Adobati, Enrica: Tutela dei consumatori e obblighi di informazione nell'ambito dei mutui espressi in valuta estera, Diritto comunitario e degli scambi internazionali 2017 p.368-370 (IT)
5. Daniel, Élise: Clauses abusives, Europe 2017 novembre nº 11 p.48-49 (FR)
6. X: Devizaalapú kölcsönszerződések árfolyamkockázata tisztességtelenségének vizsgálata - az Európai Unió Bírósága C-186/16. sz., Andriciuc és társai kontra Banca Românească SA ügyben 2017. szeptember 20-án hozott ítélete, Európai jog 2017 5. szám p.42-47 (HU)
7. Hojnik, Janja: Ponovo o kreditih v švicarskih frankih, Davčno-finančna praksa : davki, finance, zavarovalnistvo 2017 n° 10 p.21-25 (SL)
8. Rýdlová, Hana: K povinnosti finančních institucí poskytnout dostatečné informace k úvěru v cizí měně, Bulletin advokacie 2017 nº 11 p.55-56 (CS)
9. Kraayvanger, Jan: EuGH: Fremdwährungsdarlehen - Kreditinstitute müssen über Fremdwährungsrisiko umfassend aufklären, Recht der Finanzinstrumente 2018 p.82 (DE)
10. Culot, Henri: Arrêt " Andriciuc " : prêt en devises et protection du consommateur, Journal de droit européen 2018 nº 247 p.92-94 (FR)
11. Kopczyński, Lech: Zu den Aufklärungspflichten der Kreditinstitute bei Fremdwährungsdarlehen mit Verbrauchern („Andriciuc u. a. / Banca Românească“), Entscheidungen zum Wirtschaftsrecht 2018 p.289-290 (DE)
12. Pazos, Ricardo: Loans concluded in a foreign currency - their main subject matter and the transparency requirement, Zeitschrift für das Privatrecht der Europäischen Union - GPR 2018 p.106-115 (EN)
13. Jaschinski, Julian: Anmerkung zu EuGH, Urt. v. 20.9.2017 - Rs. C-186/16 (Andriciuc u.a./Banca Românească SA), Zeitschrift für das Privatrecht der Europäischen Union - GPR 2018 p.115-118 (DE)
14. Campagna, Marco Francesco: Contratto di credito e trasparenza: recenti orientamenti della Corte di giustizia, La nuova giurisprudenza civile commentata 2018 n° 4 p.502-516 (IT)
15. Laffineur, Jacques: La portée de l'exigence de rédaction "claire et compréhensible" appliquée à une clause contractuelle constituant l' "objet principal du contrat" : comment apprécier le caractère abusif d'une telle clause ?, Droit de la consommation 2018 p.59-67 (FR)
16. Alessandri, Damiano: Dalla Corte di Giustizia un ''test'' per valutare l'assoggettabilità delle clausole conttratuali al sindacato di abusività, Il Corriere giuridico 2018 p.750-758 (IT)
17. Baghrizabehi, Denis ; Jakšič, Jure: Kriteriji za presojo jasnosti in razumljivosti pogodbenih pogojev kreditov, Pravna praksa 2018 nº 7-8 p.18-19 (SL)
18. Sáenz de Jubera Higuero, Beatriz: Control de transparencia en el préstamo hipotecario multidivisa, Revista crítica de Derecho Inmobiliario 2018 nº 766 p.1042-1055 (ES)
19. Andrei, Irinel Axente: Clauze abuzive. Contract în monedă străină. Stabilizarea cursului prin raportare la reperele existente la momentul încheierii contractului. Aplicarea deciziei pronunţate de Curtea de Justiţie a Uniunii Europene în cauza C-186/16 Andriciuc şi alţii c. Băncii Româneşti SA, Revista Română de Jurisprudență 2018 n°2 p.155-173 (RO)
20. Preininger, Robert: Štiri odločitve vrhovnega sodišča o kreditih v švicarskih frankih, Pravna praksa 2018 nº 49-50 p.6-8 (SL)
21. Matusiak-Frącczak, Magdalena: Polska praktyka orzecznicza w sprawie kredytów powiązanych z walutą obcą a wyrok Trybunału Sprawiedliwości z 20.09.2017 r., C-186/16, Ruxandra Paula Andriciuc i inni przeciwko Banca Românească SA, Europejski Przegląd Sądowy 2018 Vol. 4 (151) p.39-45 (PL)
22. Poillot, Élise: XIX. Consommation - Cour de justice, 2e ch., 20 septembre 2017, Ruxandra Paula Andriciuc e.a. c/ Banca Românească SA, aff. C-186/16, ECLI:EU:C:2017:703, Jurisprudence de la CJUE 2017. Décisions et commentaires (Ed. Bruylant - Bruxelles) 2018, p. 883-888 (FR)
23. Andrei, Irinel Axente: Clauze abuzive : Ruxandra Paula Andriciuc şi alţii c. Băncii Româneşti SA, Revista Română de Jurisprudență 2018 n°2 p. 155-173 (RO)
24. Argelich Comelles, Cristina: Control de transparencia y buena fe en la reciente jurisprudencia sobre la hipoteca multidivisa, Revista General de Derecho Europeo 2018, nº 46, p. 394-413 (ES)
25. Graf, Friedrich: Neue Urteile des EuGH erzwingen eine Reform von § 310 Abs. 3 Nr.3 BGB, Verbraucher und Recht 2019 N°3 p.93-99 (DE)
26. Charalampopoulos, Ioannis: Kataxristikes ritres daneiakon symvaseon pou synaptontai me katanalotes se xeno nomisma kai xrisimos xronos gia tin krisi tis anisorropias dikaiomaton kai ypoxreoseon ton symvallomenon : paratiriseis, Elliniki Epitheorisi Evropaïkou Dikaiou 2017 p.456-461 (EL)

Procedural Analysis Information

Source of the question referred for a preliminary ruling

Curtea de Apel Oradea - Romania

Subject-matter

• Approximation of laws
  
• Consumer protection
  

Provisions of national law referred to

Codul civil, articles 970 et 1578 Ordonanţa de urgenţă a Guvernului nr. 50/2010 privind contractele de credit pentru consumatori, articles 2, 36 et 95

Provisions of international law referred to

Information not available

Procedure and result

• Reference for a preliminary ruling
  

Formation of the Court

deuxième chambre (Cour)

Judge-Rapporteur

Prechal

Advocate General

Wahl

Language(s) of the Case

• Romanian
  

Language(s) of the Opinion

• French