Judgment_paragraph 40 · Mikrokasa S.A. w Gdyni and Revenue Niestandaryzowany Sekurytyzacyjny Fundusz Inwestycyjny Zamknięty w Warszawie v XO (C-779/18)

40However, Directive 2008/48 does not contain either the concept of ‘non-interest credit costs’ or provisions governing the issue of limiting credit costs or the sharing of those costs between the seller or supplier and the consumer. It is apparent from the documents before the Court that the ‘non-interest credit costs’ constitute a subcategory of the ‘total cost of the credit’ referred to in Article 3(g) of Directive 2008/48, as that cost encompasses all costs, including, in particular, interest.