Over two and a half years the OFT and eight banks occupied the courts with the question of whether the Unfair Terms in Consumer Contracts Regulations 1999 apply to unauthorised overdraft terms. From the Commercial Court, through the Court of Appeal, and culminating in the Supreme Court, this litigation was seen as a test case for thousands of claims which were pending before the county courts. Jemima Stratford QC was part of the team for the OFT, and in this lecture she will explore the background to the litigation, what the Supreme Court decided, and the implications of the ruling for the future.