Judgment of the Court (First Chamber) of 9 July 2020.#NG and OH v SC Banca Transilvania SA.#Request for a preliminary ruling from the Curtea de Apel Cluj.#Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Unfair terms in consumer contracts — Scope — Article 1(2) — Definition of ‘mandatory statutory or regulatory provisions’ — Supplementary provisions — Loan agreement denominated in a foreign currency — Term relating to the foreign exchange risk.#Case C-81/19.