– vu l'arrêt de la Cour de justice de l'Union européenne du 14 mars 2013 dans l'affaire C-415/11, Mohamed Aziz, qui, en cas de prêt hypothécaire, protège les consommateurs face aux banques contre les clauses abusives,
– having regard to the judgment of the Court of Justice of the European Union of 14 March 2013 in Case C-415/11 (Mohamed Aziz) protecting mortgage consumers against banks in case of abusive contracts conditions,– having regard to Decision No 1098/2008/EC of the European Parliament and of the Council of 22 October 2008 on the European Year for Combating Poverty and Social Exclusion (2010),