Judgment_paragraph 52 · Abanca Corporación Bancaria SA v Alberto García Salamanca Santos and Bankia SA v Alfonso Antonio Lau Mendoza and Verónica Yuliana Rodríguez Ramírez (C-70/17, C-179/17)

52In that context, it should first of all be borne in mind that, under Article 6(1) of Directive 93/13, it is for the referring courts to exclude the application of the unfair terms so that they do not produce binding effects with regard to the consumer, unless the consumer objects (see, to that effect, judgments of 4 June 2009, Pannon GSM, C‑243/08, EU:C:2009:350, paragraph 35, and of 14 June 2012, Banco Español de Crédito, C‑618/10, EU:C:2012:349, paragraph 65).