Court of Justice 27 March 2014, Case C-565/12: Judgment of the Court (Fourth Chamber) of 27 March 2014 (request for a preliminary ruling from the Tribunal d’instance d’Orléans — France) — LCL Le Crédit Lyonnais SA v Fesih Kalhan (Consumer protection — Credit agreements for consumers — Directive 2008/48/EC — Articles 8 and 23 — Creditor’s obligation to assess the borrower’s creditworthiness prior to conclusion of the agreement — National provision imposing the obligation to consult a database — Forfeiture of entitlement to contractual interest in the event of failure to comply with that obligation — Effective, proportionate and dissuasive nature of the penalty)

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