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European Union
Marc Gómez del Moral Guasch v Bankia SA (C-125/18)
Consideration of the questions referred
The first question
29

Marc Gómez del Moral Guasch v Bankia SA (C-125/18)

Judgment of 3 Mar 2020law://eu/cjeu/2018/c-125-18/para_29@2026-11-12

29Under that provision, the contractual terms which reflect mandatory statutory or regulatory provisions are not to be subject to the provisions of that directive.

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

Key facts

Court: Court of Justice · Grand Chamber
Case: C-125/18 · ECLI:EU:C:2020:138
Decided: 3 Mar 2020
Procedure: Preliminary reference · referred by the Juzgado de Primera Instancia No 38 de Barcelona (Court of First Instance No 38, Barcelona, Spain)
Applicant: Marc Gómez del Moral Guasch
Defendant: Bankia SA
Rapporteur: S. Rodin
Advocate General: M. Szpunar
Bench: 13 judges
K. Lenaerts, R. Silva de Lapuerta, J.–C. Bonichot, A. Arabadjiev, E. Regan, M. Safjan, S. Rodin, L. Bay Larsen, T. von Danwitz, D. Šváby, F. Biltgen, K. Jürimäe, C. Lycourgos
Language: Spanish
Official: CURIA · EUR-Lex 62018CJ0125

Topics

Approximation of laws Consumer protection

History · 1 version

3 Mar 2020Reading

Connections

Interprets 1: Council Directive 93/13/EEC7 provisions
Cited by 20: 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); Banca B. SA v A.A.A (C-269/19); D.V. v M.A (C-395/21); ZR and PI v Banco Santander, SA (C-265/22); Lombard Pénzügyi és Lízing Zrt. v PN (C-472/20); M. D. v 'Tez Tour' UAB (C-299/22); Dexia Nederland BV v XXX and Z (C-229/19, C-289/19); BNP Paribas Personal Finance SA v VE (C-609/19); JZ v OTP Jelzálogbank Zrt. and Others (C-932/19)2 provisions; SP and CI v Všeobecná úverová banka a.s (C-598/21); MJ v AxFina Hungary Zrt (C-705/21); UK and Others v Volkswagen Bank GmbH and Others (C-33/20); M.P. and B.P. v „A.” prowadzący działalność za pośrednictwem „A.” S.A (C-212/20); NB v Kutxabank SA (C-300/23)5 provisions; UG v SC Raiffeisen Bank SA (C-176/23); LM v Bezirkshauptmannschaft Hartberg-Fürstenfeld (C-219/20); Ocidental – Companhia Portuguesa de Seguros de Vida SA v LP (C-263/22); Caixabank SA and Others v Asociación de Usuarios de Bancos, Cajas de Ahorro y Seguros de España (Adicae) and Others (C-450/22); Bankia SA v Unión Mutua Asistencial de Seguros (UMAS) (C-910/19); YJ v Instituto Nacional de la Seguridad Social (INSS) (C-130/20)
Cites 14: 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); Kamil Dziubak and Justyna Dziubak v Raiffeisen Bank International AG, prowadzący działalność w Polsce w formie oddziału pod nazwą Raiffeisen Bank International AG Oddział w Polsce, anciennement Raiffeisen Bank Polska SA (C-260/18); Banco Español de Crédito, SA v Joaquín Calderón Camino (C-618/10); Ruxandra Paula Andriciuc and Others v Banca Românească SA (C-186/16); Árpád Kásler and Hajnalka Káslerné Rábai v OTP Jelzálogbank Zrt (C-26/13); 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); 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); Pannon GSM Zrt. v Erzsébet Sustikné Győrfi (C-243/08); David Smith v Patrick Meade and Others (C-122/17)