Prawo konsumenta do obniżki całkowitego kosztu kredytu w przypadku wcześniejszej spłaty zobowiązania
Legal Considerations on Consumer Rights in Early Loan Repayment
Author(s): Michał MaciaczykSubject(s): Human Rights and Humanitarian Law, Commercial Law
Published by: Wydawnictwo Naukowe Wydziału Zarządzania Uniwersytetu Warszawskiego
Keywords: consumer credit; Article 49 of the Consumer Credit Act; early credit repayment; consumer protection; CJEU;
Summary/Abstract: The subject of this study is an analysis of the right of a consumer to a reduction in the total cost of credit in the event of its early repayment, with a particular focus on Article 49 of the Consumer Credit Act and the CJEU judgment of 11 September 2019 (C-383/18). The article addresses controversies surrounding the recalculation of credit costs, the division of costs into those that are dependent and those independent of the duration of the agreement, and the issue of consumer protection in the context of Directive 2008/48/EC. The conclusions of the article support a pro-consumer interpretation of the appliable provisions, while criticizing practices that limit the scope of cost reductions for the borrower.
Journal: internetowy Kwartalnik Antymonopolowy i Regulacyjny (iKAR)
- Issue Year: 14/2025
- Issue No: 4
- Page Range: 57-67
- Page Count: 11
- Language: Polish
