Consequences of the CJEU Ruling of 3 October 2019 on Swiss Franc Mortgage Loans for Polish Borrowers


foreign currency loan
credit recipient


How to Cite

Wilk, A. (2020) “Consequences of the CJEU Ruling of 3 October 2019 on Swiss Franc Mortgage Loans for Polish Borrowers”, Scientific Journal of Bielsko-Biala School of Finance and Law. Bielsko-Biała, PL, 23(4), pp. 57–60. doi: 10.5604/01.3001.0013.6825.


The article discusses the effects of the recent ruling of the Court of Justice of the European Union (the CJEU), regarding the impact of abusive contractual provisions included in the foreign currency loan contracts on the legal effectiveness of the entire contract. The position of the CJEU may trigger the necessity to modify and unify the previous sentencing guidelines. Moreover, it may become necessary to revoke some final judgements in cases of individual borrowers that have been issued so far. The author analyses the direction the case law will take after the CJEU’s ruling and its impact on cases which have already been closed.

The papers published in the ASEJ Journal (alternate title: Zeszyty Naukowe Wyższej Szkoły Finansów i Prawa w Bielsku-Białej) - published by the University of Applied Sciences in Bielsko-Biała, are online open access distributed (Creative Commons Attribution CC-BY-NC 4.0 license). The Publisher cannot be held liable for the graphic material supplied. The printed version is the original version of the issued Journal. Responsibility for the content rests with the authors and not upon the Scientific Journal or Bielsko-Biala School of Finance and Law.


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