Judgment of the Court (Seventh Chamber) of April 23, 2026.#P.W. v Bank Polska Kasa Opieki S.A.#Reference for a preliminary ruling – Consumer credit agreements – Directive 2008/48/EC – Article 3(j) – Article 10(2)(f) – Concept of “debt rate” – Concept of “amount of credit drawn” – Article 3(g) – Concept of “total cost of credit for the consumer” – Collection of interest on an amount corresponding to a cost of credit – insurance premium.#Case C-744/24.

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Official record CELEX 62024CJ0744_SUM from European Union at Court of Justice of the European Union. Dated 23 April 2026. Status: decided.

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• Arrêt de la Cour (septième chambre) du 23 avril 2026.#P.W. contre Bank Polska Kasa Opieki S.A.#Renvoi préjudiciel – Contrats de crédit aux consommateurs – Directive 2008/48/CE – Article 3, sous j) – Article 10, paragraphe 2, sous f) – Notion de “taux débiteur” – Notion de “montant de crédit prélevé” – Article 3, sous g) – Notion de “coût total du crédit pour le consommateur” – Perception d’intérêts sur un montant correspondant à un coût du crédit – Prime d’assurance.#Affaire C-744/24.

  judgment · FR · 23 April 2026

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