Judgment_paragraph 28 · RN v Home Credit Slovakia a.s (C-290/19)

28In that regard, it must be borne in mind that Directive 2008/48 was adopted in order both to ensure that all consumers in the European Union enjoy a high and equivalent level of protection of their interests and to facilitate the emergence of a well-functioning internal market in consumer credit (judgment of 5 September 2019, Pohotovosť, C‑331/18, EU:C:2019:665, paragraph 41 and the case-law cited). It is clear from recital 19 of that directive that it seeks, inter alia, to ensure that consumers receive adequate information, prior to the conclusion of the credit agreement, in particular on the APRC throughout the European Union, to enable them to compare those rates.