In
April 2026, the CJEU delivered a judgment in C-744/24 P.W. v Bank
Polska Kasa Opieki S.A. This is an interesting case because it
tackled the scope and meaning of various cost-related notions in
Directive 2008/48/EC on Consumer Credit, as
Recent Developments in European Consumer Law
Recent Developments in European Consumer Law covers legal issues related to consumer rights and protections within the European Union. The blog discusses topics such as the interpretation and application of the Consumer Rights Directive, consumer credit agreements, labeling and product naming regulations, customs duties in consumer contracts, and airline passenger rights under EU regulations. It also addresses strategic policy developments like the EU's Consumer Agenda and its impact on consumer protection and market competitiveness. The content focuses on case law from the Court of Justice of the European Union and regulatory updates affecting consumer law practice in Europe.
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Latest from Recent Developments in European Consumer Law
Access to basic payment accounts and a duty to prevent money laundering – the CJEU in C-81/24 Jenec
Earlier this month, the CJEU delivered a judgment in C-81/24 LH v OTP Banka d.d., the case known as ‘Jenec’. This is the first case on the interpretation of Directive 2014/92/EU on access to payment accounts with basic features (PAD), and
…
Limitation periods and restitution after loan invalidity – three new CJEU Swiss-Franc mortgage judgments
To continue our reporting on CJEU judgments concerning unfair contract terms in mortgage credit contracts denominated in Swiss francs, let us look at three recent judgments in Polish cases, all delivered on 16 April. Each of these cases addresses the…
Early repayment and reduction in the total cost of mortgage loans C-76/22
Another interesting case tackled by the CJEU was C-76/22 QI v Santander Bank Polska S.A., focusing on Directive 2014/17/EC on Mortgage Credit (MCD) and the rules on the calculation of the reduction of the total cost of credit in…
General information and a representative example in (mortgage) loan contracts C-85/24
The
CJEU was given the opportunity to interpret Directive 2014/17/EU on Mortgage
Credit (MCD) in C-85/24 Verein für Konsumenteninformation v BAWAG
P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG. While mortgage loans are a
frequent issue infront of…
Fairness of indexing benchmarks in variable rate loans C -471/24
In a recent
judgment delivered on 12 February 2026 in C-471/24 J.J. v PKO BP S.A., the CJEU
delivered further important interpretation on matters affecting loan contracts
in variable rates. In this
Polish case the consumer concluded a mortgage loan…
Legislation based contract amendments and the review of unfairness C-176/23
On
30 May 2024, the CJEU delivered C-176/23 UG v Raiffeisen Bank SA an
important judgment that is highly relevant today and covers an important and
not frequently adjudicated question – the issue of the mandatory terms
exception in Article…
Reconsideration or entrapment? Possible abuse of withdrawal rights under CRD, CJEU C-564/24
Over the past few days, one case has kept coming up in professional conversations which we have not covered so far – namely, Eisenberger Gerüstbau v JK (C-564/24), decided on 5 March, a new case concerning possible abuse of withdrawal…
C-526/24 Brillen Rottler: when does exercising your GDPR rights become abusive?
Have you ever tried to find out who is processing your data and exercised your right under Article 15 GDPR? It is a useful transparency tool for data subjects – who are in many circumstances consumers as well, for instance…
Commission opens official DSA investigation into SHEIN
While the announced Digital Fairness Act proposal remains so far at the announcement stage, the last few months have brought to light the DSA’s potential – if yet to be tested – to contribute to consumer protection beyond content moderation…