The judgment under review raises a number of important issues related to the interpretation of Directive 93/13. The Court discusses the admissibility of excluding the invalidity of a contract and replacing an unfair term by a provision of law, as well as the rules of settling accounts between the parties in the event of the invalidity of a contract containing an unfair term. The latter, in particular, is of great practical importance, and the Court’s response also needs to be discussed in more detail in the context of the regulation of
Polish law.