Log in or register
Share on LinkedInShare on LinkedIn

ARTICLE · 29 MAY 2025

Απόφαση-Ορόσημο κατά των Καταχρηστικών Ρητρών στις Τραπεζικές Συμβάσεις

AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC
Contributor
AGPLAW | A.G. Paphitis & Co. LLC

AGPLAW | A.G. Paphitis & Co. LLC

Established in 2006, AGPLAW is a full-service, award-winning and committed to excellence law firm...

View firm profile
Explore more from AGPLAW | A.G. Paphitis & Co. LLC

Στις 13 Μαΐου 2025, το Επαρχιακό Δικαστήριο Λευκωσίας εξέδωσε απόφαση που αλλάζει ριζικά το τραπεζικό

CyprusFinance and Banking
Angelos Paphitis
Angelos Paphitis
Author LinkedIn connections

Στις 13 Μαΐου 2025, το Επαρχιακό Δικαστήριο Λευκωσίας εξέδωσε απόφαση που αλλάζει ριζικά το τραπεζικό τοπίο στην Κύπρο. Η υπόθεση αφορούσε τον Οργανισμό Χρηματοδοτήσεως Στέγης ("ΟΧΣ"), όμως η σημασία της εκτείνεται πολύ ευρύτερα, αγγίζοντας όλες τις κυπριακές τράπεζες και το τραπεζικό σύστημα συνολικά.

Η απόφαση εκδόθηκε κατόπιν αίτησης του Γενικού Εισαγγελέα, εκ μέρους του Διευθυντή της Υπηρεσίας Προστασίας Καταναλωτή, στη βάση παραβιάσεων του Νόμου περί Καταχρηστικών Ρητρών σε Καταναλωτικές Συμβάσεις (Ν.93(Ι)/96) και της Οδηγίας 93/13/ΕΟΚ της Ευρωπαϊκής Ένωσης.

Τι κρίθηκε καταχρηστικό;

Το δικαστήριο αναγνώρισε μια σειρά από τυποποιημένες ρήτρες σε δανειακές συμβάσεις ως καταχρηστικές, όπως:

We operate a free-to-view policy, asking only that you register in order to read all of our content. Please login or register to view the rest of this article.

Register for freeORLog in

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

View source

Related Articles

Legal Intelligence Newsletters: sign up for the latest legal and regulatory news on your chosen topics

Read more about

Related Comparative Guides

See more popular content from

Article

MiCA’s Transition Ends On 1 July 2026. Is Your Crypto Business Authorised To Continue?

The EU's Markets in Crypto Assets Regulation (MiCA) transitional period expires on 1 July 2026, marking a critical deadline for crypto-asset service providers operating in Europe. Without proper MiCA authorisation by this date, businesses must cease operations and implement orderly wind-down procedures, as pending applications do not grant permission to continue providing services. This comprehensive analysis examines the regulatory requirements, compliance obligations, and strategic considerations for cryp
CyprusFinance and Banking
AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC
Article

Can Cyprus Become A True Fintech Banking Hub?

Cyprus is evolving from a jurisdiction that simply attracts fintech licenses to one building genuine European fintech infrastructure. With new regulatory frameworks including PSD3, DORA, and MiCA converging, the country faces a critical question: can it develop the banking relationships, payment systems access, and institutional depth required to transform licensed entities into a truly interconnected financial ecosystem?
CyprusFinance and Banking
AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC
Article

High-risk Business Incorporation: Structuring iGaming, Crypto And Adult Industry Companies The Right Way

Launching a high-risk business in sectors like iGaming, crypto, fintech, or adult entertainment requires strategic corporate structuring from the outset. This comprehensive guide examines how jurisdiction selection, ownership transparency, payment flows, and compliance preparation directly impact licensing approval, banking access, and long-term operational stability in heavily scrutinized industries.
CyprusFinance and Banking
Michael Chambers & Co LLC
Michael Chambers & Co LLC
Article

What Changed In EU Commodity Derivatives Reporting

ESMA's revised weekly commodity derivatives reporting arrangements went live on 3 September 2026, introducing updated technical requirements, validation rules and XML schema version 2.0. Businesses trading energy or other commodity derivatives must understand their specific reporting role, verify that correct information reaches the appropriate reporting party, and ensure their systems properly handle the new technical framework. Cyprus investment firms, energy traders and groups using commodity derivatives
CyprusFinance and Banking
AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC
Article

Jenec: The Limits Of Automatic De-Risking In EU Banking Law

On 11 June 2026, the Court of Justice of the European Union (the “Court”) delivered its judgment in Case C-81/24, Jenec. The case concerned the relationship between the right of access to a payment account with basic features under Directive 2014/92/EU (the “Payment Accounts Directive”) and the AML/CFT obligations imposed on financial institutions under Directive (EU) 2015/849 (the “AML Directive”).
CyprusFinance and Banking
Elias Neocleous & Co LLC
Elias Neocleous & Co LLC
Article

MiCA’s Transition Ends On 1 July 2026. Is Your Crypto Business Authorised To Continue?

The EU's Markets in Crypto Assets Regulation (MiCA) transitional period expires on 1 July 2026, marking a critical deadline for crypto-asset service providers operating in Europe. Without proper MiCA authorisation by this date, businesses must cease operations and implement orderly wind-down procedures, as pending applications do not grant permission to continue providing services. This comprehensive analysis examines the regulatory requirements, compliance obligations, and strategic considerations for cryp
CyprusFinance and Banking
AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC
Article

Cyprus Citizenship For Highly Skilled Employees

Cyprus has introduced an accelerated citizenship pathway for highly skilled foreign employees working for qualifying companies in the Republic. This framework, sometimes called the "Golden Knowledge" route, allows eligible professionals to obtain citizenship after four or five years of qualifying residence, depending on their Greek language proficiency. The regime represents a significant development for international professionals who have established their careers and lives in Cyprus.
CyprusImmigration
AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC
Article

Can Cyprus Become A True Fintech Banking Hub?

Cyprus is evolving from a jurisdiction that simply attracts fintech licenses to one building genuine European fintech infrastructure. With new regulatory frameworks including PSD3, DORA, and MiCA converging, the country faces a critical question: can it develop the banking relationships, payment systems access, and institutional depth required to transform licensed entities into a truly interconnected financial ecosystem?
CyprusFinance and Banking
AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC
Article

Crypto Fraud, Cold Calls And “Recovery” Scams In Cyprus. Why Victims Must Act Fast

Cryptocurrency fraud victims in Cyprus are increasingly targeted by sophisticated "recovery" scams involving cold calls, remote access requests, and false promises to retrieve lost digital assets. Recent court cases demonstrate that while recovery is not guaranteed, victims who preserve evidence and act quickly may have realistic legal options through Cyprus courts, including freezing orders, disclosure relief, and asset preservation measures.
CyprusCriminal Law
AGPLAW | A.G. Paphitis & Co. LLC
AGPLAW | A.G. Paphitis & Co. LLC