Joined Cases C-498/22 to C-500/22, Novo Banco and Others: Judgment of the Court (Fourth Chamber) of 5 September 2024 (requests for a preliminary ruling from the Tribunal Supremo – Spain) – Novo Banco SA – Sucursal en España, Banco de Portugal, Fundo de Resolução v C.F.O. (C-498/22), J.M.F.T., M.H.D.S. (C-499/22), Proyectos, Obras y Servicios de Badajoz SL (C-500/22) (Reference for a preliminary ruling – Reorganisation and winding up of credit institutions – Directive 2001/24/EC – Articles 3 and 6 – Reorganisation measure taken in respect of a credit institution – Transfer of the obligations and responsibilities of that credit institution to a bridge bank prior to the bringing of a legal action seeking payment of a claim held against that credit institution – Transfer back to the same credit institution of certain of those obligations and responsibilities – Law of the Member State where the proceedings concerned were brought (lex concursus) – Effects of a reorganisation measure in other Member States – Mutual recognition – Effects of a failure to comply with the obligation to publish the reorganisation measure – Articles 17, 21, 38 and 47 of the Charter of Fundamental Rights of the European Union – Right to property – Effective judicial protection – Consumer protection – Directive 93/13/EC – Article 6(1) – Unfair terms – Principles of legal certainty and the protection of legitimate expectations