Judgment of the Court (Fourth Chamber) of 9 October 2025.#Zwrotybankowe.pl sp. z o.o. v Powszechna Kasa Oszczędności Bank Polski S.A.#Reference for a preliminary ruling – Credit agreements for consumers – Directive 2008/48/EC – Article 22(2) – Imperative nature of that directive – Assignment to a third party by a consumer of his or her claim against a bank – Directive 93/13/EEC – Article 6(1) – Article 7(1) – Unfair terms in consumer contracts – Examination by a national court of its own motion of the unfairness of the terms in a claim assignment agreement which is not subject to an ongoing dispute before that court.#Case C-80/24.