TEU lawyer General: banks must supply accurate information on how WIBOR works. fresh opportunities for borrowers are beginning up

Zdjęcie: Rzeczniczka Generalna TSUE: banki muszą precyzyjnie informować jak działa WIBOR. Otwierają się nowe szanse dla kredytobiorców Shutterstock


Opinion of the Advocate General of the Court of Justice of the European Union (TEU) of 11 September 2025 in Case C-471/24 is an crucial signal for millions of Poles paying mortgages based on the WIBOR indicator. The case, initiated by a preliminary ruling from the territory Court in Czestochowa, concerns the key issue: whether banks inform clients in a sufficiently transparent manner about WIBOR and the hazard of variable interest. The Opinion of the Advocate General shows that borrowers may have grounds to challenge the terms of the contracts if the banks have not complied with their information obligation. This article discusses the background of the case, the key thesis of the Opinion of the Advocate General and its relevance to borrowers. This analysis is carried out by legal counsel Paweł Stalski, who specializes in consumer law and litigation with banks.