Order of the Court (Ninth Chamber) of 15 January 2020.#SC Banca E S.A. v G.D.#Request for a preliminary ruling from the Curtea de Apel Cluj.#Reference for a preliminary ruling — Article 99 of the Rules of Procedure of the Court of Justice — Consumer protection — Directive 93/13/EC — Introduction of a new legal procedure during the proceedings — Principles of legal certainty and effectiveness.#Case C-381/19.