Opinion of Advocate General Medina delivered on 12 December 2024.#OF and Others v M.K.#Request for a preliminary ruling from the Sąd Okręgowy w Warszawie.#Reference for a preliminary ruling – Consumer protection – Unfair terms in consumer contracts – Directive 93/13/EEC – Article 6(1) and Article 7(1) – Mortgage loan agreement indexed to a foreign currency – Legal action brought by the consumer seeking a declaration that the agreement is null and void – Application for the grant of protective measures suspending performance of the agreement – Directive 2014/59/EU – Recovery and resolution of credit institutions – Bank under resolution – Article 1(2) – Member States’ power to adopt rules that are stricter than or additional to those in that directive – National rule requiring applications for protective measures directed against institutions under ongoing resolution to be dismissed.#Case C-324/23.