37As regards those terms, which, in accordance with those laws, were retroactively included in the loan contracts concerned, the Court held, in paragraphs 62 to 64 of its judgment of 20 September 2018, OTP Bank and OTP Faktoring (C‑51/17, EU:C:2018:750), that such terms, which reflect mandatory statutory provisions, cannot fall within the scope of Directive 93/13, since that directive does not apply, in accordance with Article 1(2) thereof, to conditions contained in contracts between a seller or supplier and a consumer which are determined by national legislation.
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