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European Union
Arkadiusz Szcześniak v Bank M. SA (C-520/21)
Consideration of the question referred
Substance
Consideration of the question referred
72

Arkadiusz Szcześniak v Bank M. SA (C-520/21)

Judgment of 15 Jun 2023law://eu/cjeu/2021/c-520-21/para_72@2026-11-10

72It should be added that the adoption, by the competent court, of measures such as those referred to in paragraph 69 above cannot be regarded as contrary to the principle of legal certainty, since it constitutes the practical implementation of the prohibition of unfair terms provided for by Directive 93/13.

Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.

Key facts

Court: Court of Justice · Fourth Chamber
Case: C-520/21 · ECLI:EU:C:2023:478
Decided: 15 Jun 2023
Procedure: Preliminary reference
Applicants: REQUEST for a preliminary ruling under Article 267 TFEU from the Sąd Rejonowy dla Warszawy‑Śródmieścia w Warszawie (District Court, Warsaw City Centre, Warsaw, Poland), made by decision of 12 August 2021, received at the Court on 24 August 2021, in the proceedings; Arkadiusz Szcześniak
Defendant: Bank M. SA
Interveners: Rzecznik Praw Obywatelskich; Rzecznik Finansowy; Prokurator Prokuratury Rejonowej Warszawa‑Śródmieście w Warszawie; Przewodniczący Komisji Nadzoru Finansowego
Rapporteur: S. Rodin
Advocate General: A.M. Collins
Bench: 5 judges
C. Lycourgos, L.S. Rossi, J.-C. Bonichot, S. Rodin, O. Spineanu-Matei
Language: Polish
Official: CURIA · EUR-Lex 62021CJ0520

Topics

Approximation of laws Consumer protection

History · 1 version

15 Jun 2023Reading

Connections

Interprets 1: Council Directive 93/13/EEC3 provisions
Cited by 14: ZL and Others v Provident Polska S.A (C-321/22)2 provisions; TL and WE v Liquidator of Getin Noble Bank S.A., formerly Getin Noble Bank S.A (C-28/22); SM and Others v mBank S.A (C-140/22); ZH and KN v AxFina Hungary Zrt (C-630/23)2 provisions; NB v Kutxabank SA (C-300/23); F C C and M A B v Caixabank SA (C-484/21); RM and EM v Santander Bank Polska S.A (C-902/24); GP and BG v Banco Santander, SA (C-561/21); Novo Banco SA - Sucursal en España and Others v C.F.O. and Others (C-498/22); HM and JD v AXA Bank Belgium SA and Others (C-761/24); Powszechna Kasa Oszczędności Bank Polski S.A. v MS et MS (C-753/24); mBank S.A. v TK and DJ et JJ (C-901/24); mBank S.A. v KŁ and JŁ (C-752/24); Criminal proceedings against AK Dlhopolec s.r.o. and Others (C-590/24)
Cites 16: Treaty on the Functioning of the European Union (consolidated 2016)2 provisions; Council Directive 93/13/EEC; Francisco Gutiérrez Naranjo v Cajasur Banco SAU, Ana María Palacios Martínez v Banco Bilbao Vizcaya Argentaria SA (BBVA), Banco Popular Español SA v Emilio Irles López and Teresa Torres Andreu (C-154/15, C-307/15, C-308/15); VB and Others v BNP Paribas Personal Finance SA and AV and Others v BNP Paribas Personal Finance SA and Procureur de la République (C-776/19, C-777/19, C-778/19, C-779/19, C-780/19, C-781/19, C-782/19); Kamil Dziubak and Justyna Dziubak v Raiffeisen Bank International AG, prowadzący działalność w Polsce w formie oddziału pod nazwą Raiffeisen Bank International AG Oddział w Polsce, anciennement Raiffeisen Bank Polska SA (C-260/18); I.W. and R.W. v Bank BPH S.A (C-19/20); Banco Español de Crédito, SA v Joaquín Calderón Camino (C-618/10); Mohamed Aziz v Caixa d´Estalvis de Catalunya, Tarragona i Manresa (Catalunyacaixa) (C-415/11); Abanca Corporación Bancaria SA v Alberto García Salamanca Santos and Bankia SA v Alfonso Antonio Lau Mendoza and Verónica Yuliana Rodríguez Ramírez (C-70/17, C-179/17); E.K. and Others v D.B.P. and Others (C-80/21); Lombard Pénzügyi és Lízing Zrt. v PN (C-472/20); QB v Mercedes-Benz Group AG (C-100/21); SIA 'Baltijas Starptautiskā Akadēmija' and SIA 'Stockholm School of Economics in Riga' v Latvijas Zinātnes padome (C-164/21); 'UniCredit Leasing' EAD v Direktor na Direktsia 'Obzhalvane i danachno-osiguritelna praktika' – Sofia pri Tsentralno upravlenie na Natsionalnata agentsia za prihodite (NAP) (C-242/18); AAS „BTA Baltic Insurance Company” v Iepirkumu uzraudzības birojs and Tieslietu ministrija (C-769/21); Arkadiusz Szcześniak v Bank M. SA (C-520/21)