Case C-761/24, AXA Bank Belgium and Others: Judgment of the Court (Eighth Chamber) of 23 April 2026 (request for a preliminary ruling from the Budapest Környéki Törvényszék – Hungary) – HM, JD v AXA Bank Belgium SA, OTP Bank Nyrt., OTP Faktoring Követeléskezelő Zrt. (Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts concluded between a seller or supplier and a consumer – Directive 93/13/EEC – Article 2(c) – Concept of seller or supplier – Article 6(1) – Effects of the finding that such a term is unfair – Invalidity of the contract – Article 7(1) – Deterrent effect of the prohibition on unfair terms – Loan agreement denominated in foreign currency – Contractual term placing the exchange rate risk on the consumer – Transfer of a contract among sellers or suppliers under national law – Seller or supplier against whom the consumer may assert the legal consequences of the invalidity of an unfair term in the transferred contract)