42Secondly, in so far as it is clear from the second paragraph of Article 10(1) of Directive 93/13 that the directive is applicable only to contracts concluded after 31 December 1994, the date by which it must have been transposed into national law, it is necessary to take into consideration the date of the conclusion of the contract at issue in the main proceedings to determine the applicability of the directive to the contract and the period during which the contract produced effects is not relevant (order of 3 July 2014, Tudoran, C‑92/14, EU:C:2014:2051, paragraph 28).
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