Court of Justice (Fifth Chamber) 14 November 2024, C-646/22 (Compass Banca SpA v Autorità Garante della Concorrenza e del Mercato (AGCM).)

JUDGMENT OF THE COURT (Fifth Chamber) 14 November 2024 ( *1 ) (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 –