52Since the Court’s jurisdiction extends only to the interpretation of provisions of EU law, in the present case Directive 93/13 (see, to that effect, judgment of 21 March 2013, RWE Vertrieb, C‑92/11, EU:C:2013:180, paragraph 48 and the case-law cited), it is solely for the referring court to carry out the necessary checks in that regard, in the light of all the relevant information, including the promotional material and information provided by the lender in the negotiation of a loan agreement (judgments of 30 April 2014, Kásler and Káslerné Rábai, C‑26/13, EU:C:2014:282, paragraph 74; of 26 February 2015, Matei, C‑143/16, EU:C:2015:127, paragraph 75, and of 20 September 2017, Andriciuc and Others, C‑186/16, EU:C:2017:703, paragraph 46). Specifically, it is for the national court, when it considers all the circumstances surrounding the conclusion of the contract, to ascertain whether, in the case concerned, all the information likely to have a bearing on the extent of his or her commitment have been communicated to the consumer, enabling the consumer to estimate in particular the total cost of the loan. First, whether the terms are drafted in plain, intelligible language enabling an average consumer, as described in paragraph 51 above, to estimate such a cost and, secondly, the fact of failing to mention in the loan agreement the information regarded as being essential with regard to the nature of the goods or services which are the subject matter of that agreement play a decisive role in that assessment (judgment of 20 September 2017, Andriciuc and Others, C‑186/16, EU:C:2017:703, paragraph 47).
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