Judgment of the Court (Ninth Chamber) of 13 July 2023.#ZR and PI v Banco Santander, SA.#Request for a preliminary ruling from the Juzgado de Primera Instancia n. 17 de Palma de Mallorca.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Mortgage loan agreements – Term providing for a variable interest rate – Reference index based on the annual percentage rates of charge (APRC) of mortgage loans granted by credit institutions – Index established by a regulatory or administrative act – Information contained in the preamble to that act – Check relating to the requirement of transparency – Assessment of the unfair nature of the term.#Case C-265/22.