32In the area of unfair terms in contracts concluded by a seller or supplier with a consumer, which are the subject of extensive national case-law, such an obligation should be imposed equally on both contracting parties. Where the unfairness of certain standard terms has been established by settled national case-law, banking institutions may also be expected to take the initiative of approaching those customers whose contracts contain such terms, prior to any legal action instituted by those customers in order to disapply those terms.
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