Case C-450/22, Caixabank and Others (Review of transparency in collective actions): Judgment of the Court (Fourth Chamber) of 4 July 2024 (request for a preliminary ruling from the Tribunal Supremo – Spain) – Caixabank SA, successor in law to Bankia SA and Banco Mare Nostrum SA and Others v Asociación de Usuarios de Bancos, Cajas de Ahorro y Seguros de España (Adicae) and Others (Reference for a preliminary ruling – Unfair terms in consumer contracts – Directive 93/13/EEC – Mortgage loan agreements – Clauses limiting the variation of the interest rates – Floor clauses – Collective action seeking an order to cease and desist from using those clauses and reimbursement of the payments made in that respect, involving a significant number of sellers or suppliers and consumers – Plain and intelligible nature of those clauses – Concept of the average consumer who is reasonably well informed and reasonably observant and circumspect)