European Union – Consumer protection. The Court of Justice of the European Union made a preliminary ruling concerning the interpretation of art 4(2) of Council Directive (EEC) 93/13 (on unfair terms in consumer contracts). The request had been made in proceedings between Mr and Mrs Matei and SC Volksbank România SA (Volksbank) concerning allegedly unfair terms in consumer credit contracts providing, first, for a 'risk charge' applied by Volksbank and, secondly, authorising the latter to alter the rate of interest unilaterally under certain conditions.