Case C-139/22, mBank (Polish register of unlawful terms): Judgment of the Court (Ninth Chamber) of 21 September 2023 (request for a preliminary ruling from the Sąd Rejonowy dla Warszawy — Śródmieścia w Warszawie — Poland) — AM, PM v mBank S.A. (Reference for a preliminary ruling — Directive 93/13/EC — Unfair terms in consumer contracts — Mortgage loan contract index-linked to a foreign currency — Criteria for assessment of whether a conversion clause is unfair — National register of standard business terms which are held to be unlawful