Today CJEU has issued a judgment whereunder a court may find a contractual provision unfair only because it is identical to the provision entered in the register of abusive clauses. A contractual provision may not be deemed unfair towards a part of the consumers who have concluded the agreement and fair towards other ones. A bank is also obliged to inform all borrowers of some material characteristics of the agreement as well as risks related to it even if a consumer has relevant knowledge in the scope of agreement conclusion.