Directive 2008/48/EC – Consumer credit agreements – Consumer protection – Annual percentage rate of charge – Variable interest rates – Pre‑contractual information – Information in the credit agreement – Transparency – Clear and concise information – Comparing different offers – SECCI standard form

Request for an Advisory Opinion from the EFTA Court from the Court of Appeal (Landsréttur), in the case of Neytendastofa v Íslandsbanki hf.

Deadline for written observations from Governments and relevant institutions (cf. Article 20 of the Statute): Wednesday 13 September 2023.

Written observations received from the European Commission

Written observations received from Íslandsbanki hf.

Written observations received from Neytendastofa

Written observations received from the EFTA Surveillance Authority

Service of written observations