Judgment_paragraph 46 · Ruxandra Paula Andriciuc and Others v Banca Românească SA (C-186/16)

46That question must be examined by the referring court, in the light of all the relevant facts, including the promotional material and information provided by the lender in the negotiation of the loan agreement (see, to that effect, judgment of 26 February 2015, Matei, C‑143/13, EU:C:2015:127, paragraph 75).