Banking Law

Whether it’s a loan, a fraud, or a seizure, banking law often enters our lives without warning. Through this blog, we help you better understand your rights when dealing with financial institutions, with clear, accessible articles grounded in the real disputes faced by individuals and professionals alike.

Fraudulent Transfer: A Bank That Fails to Prove Strong Authentication Must Reimburse (Pau Court of Appeal, 17 September 2026, No. 25/00267)

A customer who fell victim to a fraudulent instant transfer of €5,950 has obtained confirmation of the judgment against her bank. Banque Populaire Aquitaine Centre ...

Unauthorised Transactions: The Bank Must Prove Authentication (Angers Court of Appeal, 29 September 2026, No. 21/02526)

A customer who fell victim to 331 fraudulent card payments, made between April and September 2018, has obtained an order requiring her bank to reimburse ...

Fraudulent Transfers After a Fake Adviser: Bank Ordered to Reimburse €32,580 for Lack of Proof of Authentication (Paris Court of Appeal, 23 September 2026, No. 25/14752)

The holder of a business and a personal account is the victim of a fake bank adviser. Seven transfers, carried out within a few hours, ...

Tied Loan: Solar Panels on the Roof Do Not Erase the Loss (Cass. 1re civ., 8 July 2026, No. 25-14.288)

You had solar panels installed after a doorstep sales visit, financed by a tied loan (crédit affecté). Years later, the court annuls the order form ...

Loan Signed Online: Screenshots Do Not Prove the Electronic Signature (CA Paris, 26 February 2026, No. 25/04368)

You took out a consumer loan online, in a few clicks, without ever holding a pen. Years later, the bank sues you for payment of ...

Acknowledging Your Debt Does Not Give the Bank Unlimited Time (Cass. 1st civ., 11 March 2026, No. 24-10.253)

You stopped repaying a home loan years ago, and the case got bogged down in lengthy proceedings. Today, the bank is claiming more than €250,000. ...

Falsely Tied Loans: €300,000 Fine for Banque Populaire Val de France (DGCCRF, DDPP of the Yvelines, July 2026)

You financed a car, building work or solar panels with a loan taken out at a branch, believing it was “linked” to your purchase. The ...

Consumer Credit: No Interest on Financed Insurance and Costs (CJEU, 7th Ch., 23 April 2026, Case C-744/24)

You have taken out a consumer loan, a car loan, a home improvement loan or a debt consolidation. On the contract, the “amount of the ...

Property Resold Without Authorisation: No Unfair Term Defence for the Disloyal Borrower (CA Nancy, 2 April 2026, No. RG 25/01275)

You sold the home financed by your mortgage, you kept paying your instalments, and the bank now claims the entire principal after acceleration of the ...

Transfer Fraud: Rejection, Re-Issue and Foreign Bank Are Not Apparent Anomalies (Cass. com., 1 July 2026, No. 25-15.593)

You were manipulated by a fraudster and yourself ordered several transfers, over a few weeks, to accounts opened abroad. A first transfer was rejected, and ...

Annulled Swiss Franc Loan: No Damages on Top of Restitution, Unless There Is a Separate Loss (Cass. 1re civ., 8 July 2026, No. 24-19.684)

You have obtained, or hope to obtain, the annulment of your Swiss franc loan on the ground of unfair terms, with restitution of everything you ...

Fake IBAN and the Duty of Vigilance: The PSD2 Regime Is Exclusive and Article L. 133-5 Does Not Reopen the General Law (Cass. com., 20 May 2026, No. 25-14.005)

A fake financial adviser persuades you to open an account at a major Spanish bank and gives you an IBAN to which to transfer your ...