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published_at: '2026-07-25T16:28:37Z'
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updated_at: '2026-07-25T18:06:37Z'
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provenance:
  doc_id: 62024CJ0902_SUM
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  issuer:
  - Court of Justice of the European Union
  doc_type: case-law
  feed_title: 3 - Case-law of the European Court of Justice
entities:
- name: THE IDOLM@STER 20th Anniversary MORE REALITY LIVE
  type: event
- name: Supreme_Court
  type: location
- name: Anderson Taylor
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related_auto:
- name: 7月24日から26日のライブイベント
  type: event
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- name: KAMISABI展示
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- name: 複合展示会
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title: Judgment of the Court (Ninth Chamber) of 22 January 2026.#RM and EM v Santander
  Bank Polska S.A.#Request for a preliminary ruling from the Sąd Okręgowy w Warszawie.#Reference
  for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms
  in consumer contracts – Article 6(1) and Article 7(1) – Mortgage loan agreement
  indexed to a foreign currency and containing unfair terms – Effects of the finding
  that a contractual term is unfair – Void agreement – National case-law providing
  for two independent claims for restitution – Consumer action seeking repayment of
  monthly payments made under the agreement – Claim of the seller or supplier corresponding
  to the amount of the loan – Recovery – Right of the seller or supplier to raise
  a plea of set-off of its claim against that of the consumer – Rules on the award
  of costs – Dissuasive effect of the prohibition on unfair terms – Principle of effectiveness
  – Obligation to interpret national law in conformity with EU law.#Case C-902/24.
---

# Judgment of the Court (Ninth Chamber) of 22 January 2026.#RM and EM v Santander Bank Polska S.A.#Request for a preliminary ruling from the Sąd Okręgowy w Warszawie.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 6(1) and Article 7(1) – Mortgage loan agreement indexed to a foreign currency and containing unfair terms – Effects of the finding that a contractual term is unfair – Void agreement – National case-law providing for two independent claims for restitution – Consumer action seeking repayment of monthly payments made under the agreement – Claim of the seller or supplier corresponding to the amount of the loan – Recovery – Right of the seller or supplier to raise a plea of set-off of its claim against that of the consumer – Rules on the award of costs – Dissuasive effect of the prohibition on unfair terms – Principle of effectiveness – Obligation to interpret national law in conformity with EU law.#Case C-902/24.

## TL;DR
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## Key Points
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## Details
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## Source
元記事: [Judgment of the Court (Ninth Chamber) of 22 January 2026.#RM and EM v Santander Bank Polska S.A.#Request for a preliminary ruling from the Sąd Okręgowy w Warszawie.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 6(1) and Article 7(1) – Mortgage loan agreement indexed to a foreign currency and containing unfair terms – Effects of the finding that a contractual term is unfair – Void agreement – National case-law providing for two independent claims for restitution – Consumer action seeking repayment of monthly payments made under the agreement – Claim of the seller or supplier corresponding to the amount of the loan – Recovery – Right of the seller or supplier to raise a plea of set-off of its claim against that of the consumer – Rules on the award of costs – Dissuasive effect of the prohibition on unfair terms – Principle of effectiveness – Obligation to interpret national law in conformity with EU law.#Case C-902/24.](https://eur-lex.europa.eu/legal-content/AUTO/?uri=CELEX:62024CJ0902_SUM) — published 2026-07-25T16:28:37Z