CELEX:62020CA0033: Joined Cases C-33/20, C-155/20 and C-187/20: Judgment of the Court (Sixth Chamber) of 9 September 2021 (requests for a preliminary ruling from the Landgericht Ravensburg — Germany) — UK v Volkswagen Bank GmbH (C-33/20), RT, SV, BC v Volkswagen Bank GmbH, Skoda Bank, succursale de Volkswagen Bank GmbH (C-155/20), JL, DT v BMW Bank GmbH, Volkswagen Bank GmbH (C-187/20) (Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Consumer credit — Article 10(2) — Information which must be included in the agreement — Obligation to state the type of credit, the duration of the credit agreement, the rate of interest on arrears and the mechanism for adjusting the rate of interest on arrears applicable at the time of conclusion of the credit agreement — Change in the default interest rate in the light of a change in the base interest rate determined by the central bank of a Member State — Compensation due in the event of early repayment of the loan — Obligation to specify the method of calculating the change to the default interest rate and the compensation — No obligation to mention the possibilities for terminating the credit agreement provided for by national rules but not by Directive 2008/48 — Article 14(1) — Right of withdrawal exercised by the consumer on the basis of a failure to make a compulsory indication under Article 10(2) — Exercise outside the time limit — Prohibition on the creditor raising a plea of forfeiture or the plea of abuse of rights)

CELEX:62019CA0927: Case C-927/19: Judgment of the Court (Grand Chamber) of 7 September 2021 (request for a preliminary ruling from the Lietuvos Aukščiausiasis Teismas — Lithuania) — ‘Klaipėdos regiono atliekų tvarkymo centras’ UAB (Reference for a preliminary ruling — Public procurement — Directive 2014/24/EU — Article 58(3) and (4) — Article 60(3) and (4) — Annex XII — Conduct of procurement procedures — Selection of participants — Selection criteria — Methods of proof — Economic and financial standing of economic operators — Whether the leader of a temporary association of undertakings may rely on income received in relation to a previous public contract in the same area as the public contract at issue including where it did not itself exercise the activity which is the subject matter of the public contract at issue — Technical and professional ability of economic operators — Exhaustive nature of means of proof permitted by the directive — Article 57(4)(h), (6) and (7) — Award of public service contracts — Non-compulsory grounds for exclusion from participation in a procurement procedure — Inclusion on a list of economic operators excluded from procurement procedures — Joint liability of members of a temporary association of undertakings — Personal nature of the penalty — Article 21 — Protection of the confidentiality of information submitted to the contracting authority by an economic operator — Directive (EU) 2016/943 — Article 9 — Confidentiality — Protection of trade secrets — Applicability to procurement procedures — Directive 89/665/EEC — Article 1 — Right to an effective remedy)