Abusive fees are charges for certain services or situations that violate users’ rights because they are considered abusive.
A fee can be considered abusive because it is excessive or non-transparent. For example, mortgage floor clauses were considered abusive because of the disproportion between the floor and the ceiling of the loan. The floor was easy to reach and benefited the bank, while the ceiling, which benefited the user, was difficult to reach.
Meanwhile, mortgage swaps were considered abusive because they lacked transparency and were difficult for savers to understand.