Judgment of the Court (Second Chamber) of 5 March 2020.#OPR-Finance s.r.o. v GK.#Request for a preliminary ruling from the Okresní soud v Ostravě.#Reference for a preliminary ruling — Consumer protection — Directive 2008/48/EC — Credit agreements for consumers — Article 8 — Creditor’s obligation to assess the consumer’s creditworthiness — National rules — Whether limitation may be invoked against the objection of nullity of the agreement raised by the consumer — Article 23 — Penalties — Effective, proportionate and dissuasive nature — National court — Examination by the court of its own motion as to whether that obligation has been complied with.#Case C-679/18.