Judgment_paragraph 39 · Mikrokasa S.A. w Gdyni and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty w Warszawie v XO (C-779/18)

39Lastly, as can be seen from the case-law of the Court, in order to guarantee extensive consumer protection, in Article 3(g) of that directive the EU legislature broadly defines the ‘total cost of the credit to the consumer’ as covering all the costs, including interest, taxes and any other kind of fees which the consumer is required to pay in connection with the credit agreement and which are known to the creditor, except for notarial costs (see, to that effect, judgments of 26 February 2015, Matei, C‑143/13, EU:C:2015:127, paragraph 48; of 8 December 2016, Verein für Konsumenteninformation, C‑127/15, EU:C:2016:934, paragraph 35; and of 11 September 2019, Lexitor, C‑383/18, EU:C:2019:702, paragraph 23).