European Union – Consumer protection. The Court of Justice of the European Union gave a preliminary ruling concerning the interpretation of art 7 of Council Directive (EEC) 93/13. The requests had been made in proceedings between, in one case, Mr Sales Sinués and Caixabank SA and, in the other, Mr Drame Ba and Catalunya Caixa SA, both relating to the annulment of contractual terms in mortgage loan agreements.