Judgment of the Court (First Chamber) of 18 June 2020.#KH v Sparkasse Südholstein.#Request for a preliminary ruling from the Landgericht Kiel.#Reference for a preliminary ruling — Consumer protection — Distance marketing of financial services — Directive 2002/65/EC — Article 1 — Scope — Contracts concerning financial services consisting of an initial agreement followed by successive operations — Application of Directive 2002/65/EC to the first agreement alone — Article 2(a) — Concept of ‘contract concerning financial services’ — Amendment to a loan agreement altering the interest rate initially set.#Case C-639/18.