29Furthermore, the Court has already ruled that Article 1(2) must be interpreted as meaning that the scope of Directive 93/13 does not cover terms reflecting mandatory provisions of national law, inserted after the conclusion of a loan agreement concluded with a consumer and intended to remove a term which is null and void from that agreement, by imposing an exchange rate set by the National Bank of the Member State concerned, as provided for by Hungarian legislation, and in particular by the provisions of Article 3(1) and (2) of Law DH 1 (see, to that effect, judgments of 20 September 2018, OTP Bank and OTP Faktoring, C‑51/17, EU:C:2018:750, paragraphs 62 to 64 and 70, and of 14 March 2019, Dunai, C‑118/17, EU:C:2019:207, paragraph 37).
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