40In order to guarantee extensive consumer protection, the EU legislature has broadly defined the ‘total cost of the credit to the consumer’ (judgment of 16 July 2020, Soho Group, C‑686/19, EU:C:2020:582, paragraph 31 and the case-law cited) as covering all the costs which the consumer is required to pay in connection with the credit agreement and which are known to the creditor (judgment of 21 April 2016, Radlinger and Radlingerová, C‑377/14, EU:C:2016:283, paragraph 84).