Caixabank SA and Others v Asociación de Usuarios de Bancos, Cajas de Ahorro y Seguros de España (Adicae) and Others (C-450/22)

Judgment of 4 Jul 2024

law://eu/cjeu/2022/c-450-22/para_29@2026-11-13

29Thus, as regards individual actions, the imbalance which exists between a consumer and the seller or supplier concerned, on which the system of protection established by Directive 93/13 is based, requires positive action by the national court which is required to assess of its own motion the unfairness of a contractual term by taking account, as required by Article 4(1) of Directive 93/13, of the nature of the goods or services that form the subject matter of the contract concerned and by reference, on the date on which the contract was concluded, to all the circumstances attending its conclusion, as well as all the other clauses of that contract or of a contract on which it is dependent (see, to that effect, judgment of 14 April 2016, Sales Sinués and Drame Ba, C‑381/14 and C‑385/14, EU:C:2016:252, paragraphs 21 to 24 and the case-law cited).

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

Key facts

Court: Court of Justice · Fourth Chamber
Case: C-450/22 · ECLI:EU:C:2024:577
Decided: 4 Jul 2024
Procedure: Preliminary reference · referred by the Tribunal Supremo (Supreme Court, Spain)
Applicants: Caixabank SA; Caixa Ontinyent SA and 22 more
Banco Santander SA; Targobank SA; Credifimo SAU; Caja Rural de Teruel SCC; Caja Rural de Navarra SCC; Cajasiete Caja Rural SCC; Caja Rural de Jaén, Barcelona y Madrid SCC; Caja Laboral Popular SCC (Kutxa); Caja Rural de Asturias SCC; Arquia Bank SA; Nueva Caja Rural de Aragón SCC; Caja Rural de Granada SCC; Caja Rural del Sur SCC; Caja Rural de Albacete, Ciudad Real y Cuenca SCC (Globalcaja); Caja Rural Central SCC; Caja Rural de Extremadura SCC; Caja Rural de Zamora SCC; Unicaja Banco SA; Banco Sabadell SA; Banca March SA; Ibercaja Banco SA; Banca Pueyo SA
Defendants: Asociación de Usuarios de Bancos, Cajas de Ahorros y Seguros de España (Adicae); M.A.G.G. and 8 more
M.R.E.M.; A.B.C.; Óptica Claravisión SL; A.T.M.; F.A.C.; A.P.O.; P.S.C.; J.V.M.B
Rapporteur: O. Spineanu-Matei
Advocate General: L. Medina
Bench: 5 judges
C. Lycourgos, O. Spineanu-Matei, J.‑C. Bonichot, S. Rodin, L.S. Rossi
Language: Spanish
Official: CURIA · EUR-Lex 62022CJ0450

Topics

Approximation of laws Charter of Fundamental Rights Consumer protection

History · 1 version

4 Jul 2024Reading

Connections

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Interprets 1: Council Directive 93/13/EEC4 provisions
Cited by 2: GR REAL s. r. o. v PO and RT (C-351/23); SIA 'A' v C and Others (C-365/23)2 provisions
Cites 11: Council Directive 93/13/EEC2 provisions; 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); Caixabank SA v X (C-565/21); Ruxandra Paula Andriciuc and Others v Banca Românească SA (C-186/16); Marc Gómez del Moral Guasch v Bankia SA (C-125/18); D.V. v M.A (C-395/21); Henri Pouvin and Marie Dijoux, v Electricité de France (EDF) (C-590/17); AM and PM v mBank S.A (C-139/22); Jorge Sales Sinués and Youssouf Drame Ba v Caixabank SA and Catalunya Caixa SA (Catalunya Banc S.A.) (C-381/14, C-385/14)2 provisions; Ocidental – Companhia Portuguesa de Seguros de Vida SA v LP (C-263/22); Caixabank SA and Others v Asociación de Usuarios de Bancos, Cajas de Ahorro y Seguros de España (Adicae) and Others (C-450/22)