29Since such an obligation is intended to protect consumers against the risks of over-indebtedness and bankruptcy, that obligation is of fundamental significance for those consumers (see, to that effect, judgments of 6 June 2019, Schyns, C‑58/18, EU:C:2019:467, paragraph 41, and of 5 March 2020, OPR-Finance, C‑679/18, EU:C:2020:167, paragraph 21 and the case-law cited).
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