Case C-125/18: Judgment of the Court (Grand Chamber) of 3 March 2020 (request for a preliminary ruling from the Juzgado de Primera Instancia No 38 de Barcelona — Spain) — Marc Gómez del Moral Guasch v Bankia SA (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Mortgage loan agreement — Variable interest rate — Reference index based on mortgage loans granted by savings banks — Index arising from a regulatory or administrative provision — Unilateral introduction of the term by the seller or supplier — Review of the transparency requirement by the national court — Consequences of a finding that the term is unfair)