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European Union
Ruxandra Paula Andriciuc and Others v Banca Românească SA (C-186/16)
Judgment
Consideration of the questions referred
The third question
33

Ruxandra Paula Andriciuc and Others v Banca Românească SA (C-186/16)

Judgment of 20 Sept 2017law://eu/cjeu/2016/c-186-16/para_33@2026-11-10

33Although it is true that that examination is for the national court alone, as stated in paragraph 22 of the present judgment, it is, however, for the Court of Justice to elicit from that provision the criteria applicable in that examination.

Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.

Key facts

Court: Court of Justice · Second Chamber
Case: C-186/16 · ECLI:EU:C:2017:703
Decided: 20 Sept 2017
Procedure: Preliminary reference · referred by the Curtea de Apel Oradea (Court of Appeal, Oradea, Romania)
Applicant: Ruxandra Paula Andriciuc and Others
Defendant: Banca Românească SA
Rapporteur: A. Prechal
Advocate General: N. Wahl
Bench: 5 judges
M. Ilešič, A. Prechal, A. Rosas, C. Toader, E. Jarašiūnas
Language: Romanian
Official: CURIA · EUR-Lex 62016CJ0186

Topics

Approximation of laws Consumer protection

History · 1 version

20 Sept 2017Reading

Connections

Interprets 1: Council Directive 93/13/EEC3 provisions
Cited by 21: CY and Others v Caixabank SA and Banco Bilbao Vizcaya Argentaria SA (C-224/19, C-259/19); VB and Others v BNP Paribas Personal Finance SA and AV and Others v BNP Paribas Personal Finance SA and Procureur de la République (C-776/19, C-777/19, C-778/19, C-779/19, C-780/19, C-781/19, C-782/19)2 provisions; DP and SG v Trapeza Peiraios AE (C-243/20); Caixabank SA v X (C-565/21); Marc Gómez del Moral Guasch v Bankia SA (C-125/18); D.V. v M.A (C-395/21); ZR and PI v Banco Santander, SA (C-265/22); XZ v Ibercaja Banco, SA (C-452/18); Profi Credit Polska S.A. and Others v QJ and Others (C-84/19, C-222/19, C-252/19); Dexia Nederland BV v XXX and Z (C-229/19, C-289/19); BNP Paribas Personal Finance SA v VE (C-609/19)2 provisions; Vicente v Delia (C-335/21); S.R.G. v Profi Credit Bulgaria EOOD (C-714/22); NG and OH v SC Banca Transilvania SA (C-81/19)3 provisions; QE v Caisse régionale de Crédit mutuel de Loire-Atlantique et du Centre Ouest (C-600/21); Kancelaria Medius SA v RN (C-495/19); SIA 'A' v C and Others (C-365/23); Caixabank SA and Others v Asociación de Usuarios de Bancos, Cajas de Ahorro y Seguros de España (Adicae) and Others (C-450/22); Justa v Banco Bilbao Vizcaya Argentaria SA (C-39/24); innogy Energie s.r.o. v QS (C-749/23); Request for a preliminary ruling from the Sofiyski rayonen sad (C-337/23)
Cites 16: Treaty on the Functioning of the European Union (consolidated 2016); Council Directive 93/13/EEC; Francisco Gutiérrez Naranjo v Cajasur Banco SAU, Ana María Palacios Martínez v Banco Bilbao Vizcaya Argentaria SA (BBVA), Banco Popular Español SA v Emilio Irles López and Teresa Torres Andreu (C-154/15, C-307/15, C-308/15); Banco Primus SA v Jesús Gutiérrez García (C-421/14); Mohamed Aziz v Caixa d´Estalvis de Catalunya, Tarragona i Manresa (Catalunyacaixa) (C-415/11); Árpád Kásler and Hajnalka Káslerné Rábai v OTP Jelzálogbank Zrt (C-26/13); PJSC Rosneft Oil Company v Her Majesty's Treasury and Others (C-72/15); Monika Kušionová v SMART Capital, a.s (C-34/13); Bogdan Matei and Ioana Ofelia Matei v SC Volksbank România SA (C-143/13); RWE Vertrieb AG v Verbraucherzentrale Nordrhein-Westfalen eV (C-92/11); Caja de Ahorros y Monte de Piedad de Madrid v Asociación de Usuarios de Servicios Bancarios (Ausbanc) (C-484/08); Jean-Claude Van Hove v CNP Assurances SA (C-96/14); Maria Bucura v SC Bancpost SA (C-348/14); W and V v X (C-499/15); Angelo Alberto Torresi and Pierfrancesco Torresi v Consiglio dell’Ordine degli Avvocati di Macerata (C-58/13, C-59/13); Ruxandra Paula Andriciuc and Others v Banca Românească SA (C-186/16)