In this comment, STJUE January 21, 2015 is analyzed in relation with the effects that produces the declaration of abusiveness of a clause on interest for late payment, considering the following three possibilities: 1) the judge should integrate the clause applying the national law, which provides that the legal interest rate is applied, in accordance with the provisions of Article 1108 CC; 2) any interest rate must be applied for being a null clause; or 3) by reference to the provisions of Law 1/2013 of May 14, on measures to strengthen protection for mortgage borrowers, debt restructuring and rent social, should be applied as a ceiling, the rule that the interest does not exceed three times the legal interest rate.... [Leer más...]