Zwrotybankowe.pl (Credit agreements for consumers - Assignment to a third party by a consumer of his or her claim against a bank - Judgment)

( Reference for a preliminary ruling - Credit agreements for consumers - Directive 2008/48/EC - Article 22(2) - Imperative nature of that directive - Assignment to a third party by a consumer of his or her claim against a bank - Directive 93/13/EEC - Article 6(1) - Article 7(1) - Unfair terms in consumer contracts - Examination by a national court of its own motion of the unfairness of the terms in a claim assignment agreement which is not subject to an ongoing dispute before that court )

REQUEST for a preliminary ruling under Article 267 TFEU from the Sąd Rejonowy dla Warszawy – Śródmieścia w Warszawie (District Court, Warsaw – Śródmieście, Warsaw, Poland), made by decision of 22 January 2024, received at the Court on 1 February 2024, in the proceedings

composed of I. Jarukaitis, President of the Chamber, K. Lenaerts, President of the Court, acting as Judge of the Fourth Chamber, M. Condinanzi, N. Jääskinen, and R. Frendo (Rapporteur), Judges,

– Powszechna Kasa Oszczędności Bank Polski S.A., by A. Kuzawińska, M. Malciak and W. J. Wandzel, adwokaci,

after hearing the Opinion of the Advocate General at the sitting on 30 April 2025,