Received: from DU2PR04CA0284.eurprd04.prod.outlook.com (2603:10a6:10:28c::19)
 by VI0PR02MB12540.eurprd02.prod.outlook.com (2603:10a6:800:344::20) with
 Microsoft SMTP Server (version=TLS1_2,
 cipher=TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384) id 15.21.113.18; Tue, 16 Jun
 2026 13:58:54 +0000
Received: from VI0PR02MB12540.eurprd02.prod.outlook.com
 (2603:10a6:800:344::20) by AS8PR02MB7159.eurprd02.prod.outlook.com with
 HTTPS; Tue, 16 Jun 2026 13:58:57 +0000
Received: from mail1.rit.ee (213.184.53.4) by
 DU6PEPF0000A7E4.mail.protection.outlook.com (10.167.8.43) with Microsoft SMTP
 Server (version=TLS1_3, cipher=TLS_AES_256_GCM_SHA384) id 15.21.139.8 via
 Frontend Transport; Tue, 16 Jun 2026 13:58:53 +0000
Received: from DU6PEPF0000A7E4.eurprd02.prod.outlook.com
 (2603:10a6:10:28c:cafe::45) by DU2PR04CA0284.outlook.office365.com
 (2603:10a6:10:28c::19) with Microsoft SMTP Server (version=TLS1_3,
 cipher=TLS_AES_256_GCM_SHA384) id 15.21.113.18 via Frontend Transport; Tue,
 16 Jun 2026 13:58:54 +0000
Reply-To: <eelo@mfa.ee>
From: <eelo@mfa.ee>
To: "Justiits- ja Digiministeerium" <info@justdigi.ee>,
	<margo.roasto@mfa.ee>,
	<eelo@mfa.ee>,
	"Info - TTJA" <info@ttja.ee>,
	"Helen Rohtla - TTJA" <helen.rohtla@ttja.ee>,
	"Kristina Vaksmaa-Tammaru - TTJA" <kristina.vaksmaa-tammaru@ttja.ee>
Subject: C-433/26
Date: Tue, 16 Jun 2026 16:58:50 +0300
Keywords: liivia
Message-ID: <202606161358.65GDwoOf026059@eelo-host.mfa.ee>
MIME-Version: 1.0
Content-Type: text/plain;
	charset="utf-8"
Content-Transfer-Encoding: 8bit
X-Mailer: Microsoft Outlook 16.0
Thread-Index: AQFQxXVz4zaRSd6kFkVMtm0fOk/bNw==
Authentication-Results: spf=fail (sender IP is 213.184.53.4)
 smtp.mailfrom=mfa.ee; dkim=fail (body hash did not verify)
 header.d=mfa.ee;dmarc=fail action=oreject header.from=mfa.ee;compauth=none
 reason=451
X-CSE-ConnectionGUID: 35gdhj58TF2kLdNHhW5bPw==
X-CSE-MsgGUID: WxfphAtaTsOzGDIekEuYDg==
X-ThreatScanner-Verdict: Negative
X-IPAS-Result: =?us-ascii?q?A0G7AQBjVTFqexcxuNU+HBwBAQEBAQEHAQESAQEEBAEBg?=
 =?us-ascii?q?hCCQYEKgRIEVIgnqm6DYgEBAQEBAUkUBAEBAwEDkkEgBwE4EwECAQIBAwIDA?=
 =?us-ascii?q?QEBAQEBAQEBAQELAQEBBAEBAQIBAQIEAwEBAQECEAEBQkmGTw2CWzuCFiwfg?=
 =?us-ascii?q?R4UAQE4gT0SgwOCJE8USLJTHmOCDAEBBgQDAgN8gUnZdYFSAwYZgTSIWwGFd?=
 =?us-ascii?q?QE7ghKCL0KCDYEVNYYVBBiCE4V4giZ6EpEHBwdhW3gsAVUTFwsHBYEzMwMgC?=
 =?us-ascii?q?i8UGQIUHRIPBBYyHTc5DCcSLBcILFgbBwWBHoEyVoEChQYjHwM5f4FwgSVnZ?=
 =?us-ascii?q?hUwNYECARAfCjEJAwttPTcGAgwbSUIdEoxWFw+Dd4EFpxehFZBIj0GGRqpsm?=
 =?us-ascii?q?QgjjWedN4F/hCdQHA+OIYRux0Z2PgoHggSQNIFLAQE?=
X-Talos-CUID: =?us-ascii?q?9a23=3AukhZJ2nL37VIsq4JHvUHoOz/nXDXOSaAw3vQIRL?=
 =?us-ascii?q?oNUgzS5mZb3+Qx/5uq9U7zg=3D=3D?=
X-Talos-MUID: 9a23:UFGjqwnvjVuBG7Kc3j/jdnpdJMlw442yAXwWtocpl+iJNgFtChuS2WE=
X-IronPort-Anti-Spam-Filtered: true
X-IronPort-AV: E=Sophos;i="6.24,208,1774303200"; 
   d="scan'208";a="72537295"
X-MS-Exchange-Organization-ExpirationStartTime: 16 Jun 2026 13:58:54.5235
 (UTC)
X-MS-Exchange-Organization-ExpirationStartTimeReason: OriginalSubmit
X-MS-Exchange-Organization-ExpirationInterval: 1:00:00:00.0000000
X-MS-Exchange-Organization-ExpirationIntervalReason: OriginalSubmit
X-MS-Exchange-Organization-Network-Message-Id: a461450b-8578-4103-4695-08decbaf6741
X-EOPAttributedMessage: 0
X-EOPTenantAttributedMessage: 8fe098d2-428d-4bd4-9803-7195fe96f0e2:0
X-MS-Exchange-Organization-MessageDirectionality: Incoming
X-MS-PublicTrafficType: Email
X-MS-TrafficTypeDiagnostic: DU6PEPF0000A7E4:EE_|VI0PR02MB12540:EE_|AS8PR02MB7159:EE_
X-MS-Exchange-Organization-AuthSource: DU6PEPF0000A7E4.eurprd02.prod.outlook.com
X-MS-Exchange-Organization-AuthAs: Anonymous
X-MS-Office365-Filtering-Correlation-Id: a461450b-8578-4103-4695-08decbaf6741
X-MS-Exchange-AtpMessageProperties: SA|SL
X-MS-Exchange-Organization-SCL: -1
X-Microsoft-Antispam: BCL:0;ARA:13230040|82310400026|13003099007|16102099003|57112099003|55112099003|19002099009|11063799006|18003699003|5063699009;
X-Forefront-Antispam-Report: CIP:213.184.53.4;CTRY:EE;LANG:et;SCL:-1;SRV:;IPV:CAL;SFV:NSPM;H:mail1.rit.ee;PTR:mail1.rit.ee;CAT:NONE;SFS:(13230040)(82310400026)(13003099007)(16102099003)(57112099003)(55112099003)(19002099009)(11063799006)(18003699003)(5063699009);DIR:INB;
X-MS-Exchange-CrossTenant-OriginalArrivalTime: 16 Jun 2026 13:58:53.7443
 (UTC)
X-MS-Exchange-CrossTenant-Network-Message-Id: a461450b-8578-4103-4695-08decbaf6741
X-MS-Exchange-CrossTenant-Id: 8fe098d2-428d-4bd4-9803-7195fe96f0e2
X-MS-Exchange-CrossTenant-AuthSource: DU6PEPF0000A7E4.eurprd02.prod.outlook.com
X-MS-Exchange-CrossTenant-AuthAs: Anonymous
X-MS-Exchange-CrossTenant-FromEntityHeader: Internet
X-MS-Exchange-Transport-CrossTenantHeadersStamped: VI0PR02MB12540
X-MS-Exchange-Transport-EndToEndLatency: 00:00:03.4618610
X-MS-Exchange-Processed-By-BccFoldering: 15.21.0113.000
X-Microsoft-Antispam-Mailbox-Delivery: ucf:0;jmr:0;auth:0;dest:I;ENG:(910005)(944506478)(944626604)(920097)(930201)(20251009189)(140003);
X-Microsoft-Antispam-Message-Info: =?us-ascii?Q?jMD7D3P3BA2C3GxmBSKMhGGI0owwGx+k9l/BnDt9DjP6yfDhcxsPz15cyKFs?=
 =?us-ascii?Q?lKG7QKcWztUqJ4EszjfbcvSJdrBBiWyM4JbNWP0//TPsP4KMNBH5zqWOQOWv?=
 =?us-ascii?Q?wKhlPZHHHD7P+LjaPZv65rGt1M+VdZbInm1Nev7E5Gy8Q78JGT8sPiyJXNzb?=
 =?us-ascii?Q?cy+eeG0z1YA9j5FKlmWj+ty/+Kt9Uz/eohDCL7lm7sqi1KG8WOd/Aq2z9fe8?=
 =?us-ascii?Q?GIkVmSRQd3+IYcnxbNsTkQ6iBRDng1gkJ0L0S5wirca82aYsEgaAAH97V7L8?=
 =?us-ascii?Q?vsVEHq/CysHGTs7/0A0uvQnCPFo34a/O7pQKNBxqxOwbpTHnENtD/xIH3Cik?=
 =?us-ascii?Q?ct3hV2d53om8VoOOmIjUysWO4auWUJVn41WUvAGXuGd7U19uIs3aIRix/qaN?=
 =?us-ascii?Q?vJi2GFgnbCMND4iJRERqaGPFnai/3sQ1Hsnl0i6IAYU5OYIF0jKQrFtRIQV/?=
 =?us-ascii?Q?DVvTtgVlANoJM6xL6mTyDPzyFWXlD7BgY1rwZdxpOdrVGILHvYOeATiPKXbL?=
 =?us-ascii?Q?oVeoSigiaEb1LncQAa1kemHl41/7WdNSpmWwByUNDR/d9AVfxKsjyLrs6IrB?=
 =?us-ascii?Q?7hJaq/kcaqdBRuMIf7uESEAqPylFAJ0tsDCVAnlQRwM0eCVGnXOPwnz8eh/J?=
 =?us-ascii?Q?2R7vCLkGsqQCwkMqfa8C/g41HJpQK1hnJtV9QXgqrqzaFMzcdzgNntDEZQq3?=
 =?us-ascii?Q?+pTGanLKDVamBXmuTzqHrmldIGLtoNxtDDBymb39RhV+l/wIprg
	+2eySiVZA?=
 =?us-ascii?Q?8ZFLy/0aWLixIs7b4B0i1jcxY67LBJqfOyI8u2xRUZpxg5XEz52tVswVLERr?=
 =?us-ascii?Q?DUeYlXPSd3cGtMmqY1A6/O8QBPoEbwzcVsD7aK4LhU5S4mIas9yGGWofiDsd?=
 =?us-ascii?Q?c8EcF14YinDxTSxocF6JCm7RRvmynM9AUr3xXTLjsLlmXml++GUQRwvTvsdC?=
 =?us-ascii?Q?VjaQbB/1S7P2vyX8fgk0G6RtO9E6ZD/Ga43PZJGp3qM4+loi3RYpT7pYpWAZ?=
 =?us-ascii?Q?+RQfDcJsa/k+aXsCKNhz6W41kbYI7mv1Qz4cppp2N5dcChpeGpNqnjWVh33j?=
 =?us-ascii?Q?PPQ3RRWKUuXIe0kY6ZCizBE0BxG9XhpCiTfrdGv90md5RcwdwxemnNrGh1Wp?=
 =?us-ascii?Q?QtkPRdTwYGVKeySR84VWK8sjqb29wUKhFXiLgY99mwzW7Eu4LE5x9D8WzRea?=
 =?us-ascii?Q?OJKdE4/Mk92u6T09IgAcjlhwkCLe5IKXA91raj/fKMqrFxNjat24qnKFg0ca?=
 =?us-ascii?Q?UuERhodPweFP1MAGbJJVlQgQZ5HcShS9HLOTIDJEnTeWg3kGKfEmHhY2tNOt?=
 =?us-ascii?Q?mOZTrai4+A76GKOw1FU21c5XhpUIeCh/SCw4xDB8tJITvMzFLOL7d93cK8iZ?=
 =?us-ascii?Q?brzLzGv/Z0gLWz1dYCUNbXIEkNrrihiXwpCmp5PODA88p+5QLvyAjFktIex9?=
 =?us-ascii?Q?zlZRj6jqHo5tGoksU1j4uQsNVXP7Y6St7r3+rUbRPdVxkWPn5KOavwDGNDJ5?=
 =?us-ascii?Q?A3M2NhnfEwnJjXXHgk7lpbWyjw6kHGGSQlO4n
	QlVDcD98Q/aVSHjTQGb4Fff?=
 =?us-ascii?Q?YMY6MdjlhZffbjQQgVPWiV7/d7nW6+8S7eQffnlKXsce9et+0PcXvQWA5awZ?=
 =?us-ascii?Q?rvG5IPVqQoi5pGBkh4QTlqRhjhkRzGZ0PrgQcXkDRSUW68gEQbwXU3hdM4vy?=
 =?us-ascii?Q?4za8OBEmV8JmxsUSsAlnn66gJL1Sidq3WYot96b/52vXh4u7Q/T2omHWFddL?=
 =?us-ascii?Q?undoDWOFkqPt7OWhMB5gsFbP11f16+LyiIVF/AI/ye9F2zOnWwQZc452/xwP?=
 =?us-ascii?Q?nk3cz1RCQcgBhNAbjVIveb9n6RHxjmM1m8qOvVH13eFRvcSqWAdk18Azc/48?=
 =?us-ascii?Q?0PYeVDGy7eUeU/xw4QLrqPxhi46pXvwBviDfBjdXv9x/C/T7crYEsQK7W51v?=
 =?us-ascii?Q?oS6leYqbH7D0LmaC/JBZevWPs0cvvQEinfnpGia31qK+MflnxBpy4qIC/vXB?=
 =?us-ascii?Q?n80mlzXOV4VibGLjbBxLz/on8Fynh1d7fOYWNhBIEBeVr2/D/rVigqm/Xw/W?=
 =?us-ascii?Q?jt3XE0FKPTcUIvXMBVxk2oJ389tDSIGJwXIvZT6JQSdi67xAqpUp/iboO+Jg?=
 =?us-ascii?Q?/rSBFlfSHheGO7nQWHdMc/vs4CjtxTVRCNWQ6XMAXoDNKLHlDRW9tpB/fTVX?=
 =?us-ascii?Q?tHZmiyb04/GpZ+916JA7i0G/oM/OHluBEx8xQQSxyAaus7p1YciFPmDPueL3?=
 =?us-ascii?Q?lYHMnUcJ67LhzLCLnde8mx26vYepGaQn0mjPKwcL5cR9iMLht/Fwin8PPNFD?=
 =?us-ascii?Q?c135QmvquSIltC6hyw7L/Pc
	IYy6bb7jDmKAOddtQUTcxk0y4IauYXZj7I8j4?=
 =?us-ascii?Q?b95vmiBpOk/R5Cnk+u3rrUGx591dBzAwfUFpUOF7zHps9jUp9SwYj0vHt4j6?=
 =?us-ascii?Q?uwBHqYATBoOnt3DquY8QqGHYvCuhyDwO4YyNZxxrR90rnTtfEYBdS1T0k94t?=
 =?us-ascii?Q?JsSIlJz1v/QGdfykDKP3FwShLSf7HzIzZcvteThCqQrxe50QIStWabhNWwaV?=
 =?us-ascii?Q?U54Aj6w1avru4XhcNZyIV4wYBcK3qVNPK4y/lgEtk7yq4qHd6ajwpIuDzP2/?=
 =?us-ascii?Q?UopHcOGwSthMqipg/waaQ/UdmG7XoGcNT/qytPMkm0Tu2Y5NZcc0wu9SouQp?=
 =?us-ascii?Q?5z2E/QAHFrHIsz8Mp0ALhL3TYyPaaySb6O1nGyZzIlkNcOeuOjgs4K3tAoOG?=
 =?us-ascii?Q?NeG8gGYtAFN34ycCC6EC7/lkTPaa66FSm2w/zqos9nWRqa9piYcvpV13/aI8?=
 =?us-ascii?Q?KGuEjXpXqOpnbWD620sw8YMH0Yb3JKPCNUdTUftiIDwttwxz+4Yc/9wAb2vm?=
 =?us-ascii?Q?M8r/0Q3E+nDUEoSB9uGmZqE8mo9X/KPRN3nVB+bJp3MDThHk1TAPR4kD6AQM?=
 =?us-ascii?Q?5InA8bpOBEExC4oMhDr2t1nI1ZrJLOQQW4T24CapIUvwkmHVLS0G3kzyvXOJ?=
 =?us-ascii?Q?XJrx?=
Content-Language: en-us
x-ms-exchange-organization-originalclientipaddress: 213.184.53.4
x-ms-exchange-organization-originalserveripaddress: 10.167.8.43
dkim-signature: v=1; a=rsa-sha256; q=dns/txt; d=mfa.ee; s=dkim2018; c=relaxed/relaxed; h=date:message-id:to:subject:from:reply-to:content-type; bh=wwhpTAGdfXe5YYjtoOc0CffATjJoPZ5RT8kvVFCLACU=; b=DirP9eyHnxHhAkZd0n+RJVx/h/KbXQeDbSibizfDNlIC7fYONneYdrummcoktBGYQxy+Mvk8P0z4	KUjaQoPb15x+9aZ5JJ2DjXJaVgxuYX4M8ZaepjwpJ5VVxCtUd+WCO3VUJlwpVyV9m6sA/sp5dY5G	22GoP6ssLFxYPQKLcKaWlQf0EjOPh7d/31U00ShMetxJXdV/hoZ2aVbiodtiOIcknOKWMIq862W1	xzCriYg4KDlegdrQgCfsmSfqd6jYwiKonNuvH5KNwUEceu3ZS+DBzaCETwAOXNIz/VXYX1yApFL3	RuEHe1yKLWKt3rCM1/qTI1X5l5IaYxUVEZTvUw==
received-spf: None (mail1.rit.ee: no sender authenticity  information available from domain of  postmaster@jupiter.vm.ee) identity=helo;  client-ip=213.184.49.23; receiver=mail1.rit.ee;  envelope-from="prvs=16344485a2=eelo@mfa.ee";  x-sender="postmaster@jupiter.vm.ee"; x-conformance=spf_only
X-Amp-Result: SKIPPED(no attachment in message)
X-Amp-File-Uploaded: False
X-MS-Exchange-ExternalInOutlookResult: NotEnabled
X-Authentication-Warning: eelo-host.mfa.ee: www-data set sender to eelo@mfa.ee using -f
X-FEAS-BEC-Info: WlpIGw0aAQkEARIJHAEHBlJSCRoLAAEeDUhZUEhYSFhIWkhZXkguLT4lWFpYWFhYWV1RWV1fSFhISFlZSA0NBAcoBQ4JRg0NSFlIWVlIDQ0EBygFDglGDQ1IWUhZSFlb
 SFlYRllYWEZZWlFGXlFIUEhYSFhIW0hYSFhIWEhZWUgNDQQHKAUOCUYNDUhZSFpYSAANBA0GRhoHABwECSgcHAIJRg0NSFhIWV5IAQYOBygCHRscDAEPAUYNDUhY
X-FEAS-Client-IP: 10.100.129.69
X-FE-Envelope-From: eelo@mfa.ee
X-FE-Policy-ID: 22:19:0:SYSTEM
X-FE-Hostname: jupiter.vm.ee
X-OlkEid: 00000000836E40BCE6F45249A1B797D09F9B03A3070034AD76187591974DBF6C4F76951C873A0100020000000000B781C84F2D6872479591B4ED6ECE3C530000000002D5000035C41563DECF6545840AE08C0517D80B

Adressaadid: info@justdigi.ee, margo.roasto@mfa.ee, eelo@mfa.ee, 
info@ttja.ee, helen.rohtla@ttja.ee, kristina.vaksmaa@ttja.ee

V�lisministeeriumis registreeritud: 15.3-3/2026/331
Kohtuasja number: C-433/26
Vastuse kuup�ev: 30.06.2026
Staadium: Uus menetlus
M�rks�nad: intressim��rad; krediidi kogukulu tarbijale; 
tarbijakrediidilepingud; tarbijakrediidilepingute tingimused
�iguslikud vormid: direktiiv 2008/48/E�

Dokumentidega on v�imalik tutvuda EELO keskkonnas aadressil
https://eelo.mfa.ee/eelotsus_vaata.php?id=8847

Palun teatage 7 p�eva jooksul, kas kohtuasja temaatika kuulub teie 
vastutusalasse.

Juhul, kui kohtuasja temaatika ei kuulu teie vastutusalasse, palun viidake, 
milline teine ametiasutus sellega peaks tegelema.

Palun teatage, kas Eesti peaks selles eelotsusemenetluses seisukoha esitama, 
ja p�hjendage oma arvamust (ka eitavat seisukohta).

EL �iguse b�roo
V�lisministeerium
