Case C-778/18: Judgment of the Court (Fifth Chamber) of 15 October 2020 (request for a preliminary ruling from the Conseil d’État — France) — Association française des usagers de banques v Ministre de l’Économie et des Finances (Reference for a preliminary ruling — Consumer protection — Payment services in the internal market — Directive 2007/64/EC — Article 45 — Directive (EU) 2015/2366 — Article 55 — Termination of a framework contract — Directive 2014/17/EU — Credit agreements for consumers relating to residential immovable property — Article 12(1), (2)(a) and (3) — Tying practices — Bundling practices — Directive 2014/92/EU — Payment accounts — Articles 9 to 14 — Account switching — Obligation to deposit income on a payment account held with the lender during a period fixed by the credit agreement as consideration for an individual advantage — Duration of the obligation — Loss of the individual advantage in the event of early termination of the account)