Case C-932/19: Judgment of the Court (Sixth Chamber) of 2 September 2021 (request for a preliminary ruling from the Győri Ítélőtábla — Hungary) — JZ v OTP Jelzálogbank Zrt., OTP Bank Nyrt., OTP Faktoring Követeléskezelő Zrt. (Reference for a preliminary ruling — Consumer protection — Unfair terms — Directive 93/13/EEC — Article 1(2) — Article 6(1) — Loan denominated in foreign currency — Difference between the exchange rate applicable when the loaned funds are released and when they are repaid — Member State legislation providing for the replacement of an unfair term by a provision of national law — Possibility for the national court to invalidate the entire agreement containing the unfair term — Possible consideration of the protection offered by that legislation and of the consumer’s wishes regarding its application)