Judgment of the Court (Tenth Chamber) of 13 October 2022.#FV v NOVA KREDITNA BANKA MARIBOR d.d.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Article 3(1) and Article 8 – Criteria for assessing the unfairness of a contractual term – Significant imbalance between the parties’ rights and obligations under the contract – Requirement of good faith on the part of the seller or supplier – Possibility of ensuring a higher level of protection than that provided for in the directive.#Case C-405/21.