Judgment of the Court (Eighth Chamber) of 6 July 2023.#FS and WU v First Bank SA.#Request for a preliminary ruling from the Tribunalul Specializat Cluj.#Reference for a preliminary ruling – Consumer protection – Directive 93/13/EEC – Unfair terms in consumer contracts – Scope – Article 1(2) – Exclusion of contractual terms reflecting mandatory statutory or regulatory provisions – Credit agreement denominated in a foreign currency – Terms relating to the exchange rate risk – Presumption of knowledge of the law.#Case C-593/22.