CELEX:62020CA0472: Case C-472/20: Judgment of the Court (Sixth Chamber) of 31 March 2022 (request for a preliminary ruling from the Fővárosi Törvényszék — Hungary) — Lombard Pénzügyi és Lízing Zrt. v PN (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms — Loan contracts — Loan denominated in a foreign currency and repayable in the national currency — Contractual term placing the foreign exchange risk on the consumer — Unfairness of a term relating to the main subject matter of the contract — Effects — Invalidity of the contract — Serious damage to the consumer — Effectiveness of Directive 93/13 — Non-binding opinion of the supreme court — Possibility of restoring the parties to the situation they would have been in if that contract had not been concluded)