This work deals with the general conditions of the loan agreement, especially the provisions in the agreements on CHF and converted loans, which were approved by banks in the Republic of Croatia and at the EU level, were analyzed. The legal theory and regulation in the Republic of Croatia and the EU, which prevents the introduction and excludes unfair provisions in the general terms of business, and the one which declares contracts with such provisions null and void, has been researched and analyzed. The relevant judicial practice in the Republic of Croatia and the EU was analyzed. In the Republic of Croatia, the first-instance verdict from the first collective dispute on consumer protection against the use of unfair contractual provisions in CHF credit agreements was analyzed. The second-instance verdict, which, after the case was sent back for a retrial, confirmed the first-instance verdict, as well as the verdict of the Supreme Court of the Republic of Croatia on the invalidity of the currency clause and variable interest rate in the CHF loan agreements. At the EU level, cases concerning the unfairness of variable interest rates and currency clauses in credit contracts that were contracted in CHF and subsequently converted were specially processed, and their impact on legal regulations and judgments passed in the Republic of Croatia was also investigated.