Judgment of the Court (Sixth Chamber) of 31 March 2022.#Lombard Pénzügyi és Lízing Zrt. v PN.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms – Credit agreements – Loan denominated in a foreign currency repayable in national currency – Contractual term placing the exchange rate risk on the consumer – Unfairness of a term relating to the main subject matter of the agreement – Effects – Invalidity of the agreement – Serious harm to the consumer – Effectiveness of Directive 93/13 – Non-binding opinion of the highest court – Possibility of restoring the parties to the situation they would have been in if that agreement had not been concluded.#Case C-472/20.