Judgment of the Court (Sixth Chamber) of 10 June 2021.#Ultimo Portfolio Investment (Luxembourg) S.A. v KM.#Request for a preliminary ruling from the Sąd Rejonowy w Opatowie.#Reference for a preliminary ruling – Credit agreements for consumers – Directive 2008/48/EC – Risk of over-indebtedness – Article 8 – Creditor’s obligation to assess the consumer’s creditworthiness – Article 23 – Effective, proportionate and dissuasive nature of the penalty in the event of infringement of that obligation.#Case C-303/20.