Judgment of the Court (Fifth Chamber) of 14 November 2024.#Compass Banca SpA v Autorità Garante della Concorrenza e del Mercato (AGCM).#Request for a preliminary ruling from the Consiglio di Stato.#Reference for a preliminary ruling – Consumer protection – Directive 2005/29/EC – Article 2(j), Articles 5, 8 and 9 – Concept of ‘average consumer’ – Unfair business-to-consumer commercial practices – Concept of ‘aggressive commercial practice’ – Cross-selling of a personal loan and an insurance product not related to that loan – Orientation of the information provided to the consumer – Concept of ‘framing’ – Commercial practice consisting of simultaneously proposing to a consumer an offer for a personal loan and an offer for an insurance product not related to that loan – No cooling-off period between the signature of the loan contract and that of the insurance policy contract – Directive (EU) 2016/97