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.

Banking Fraud by Impersonation: When Telephone Spoofing No Longer Excuses the Victim (Cass. com., 4 March 2026, No. 24-19.588, Published in the Bulletin)

You receive a call from your bank’s official number. The caller, friendly and professional, warns you about suspicious transactions. He offers to cancel them immediately. ...

Bank Power of Attorney and Vulnerable Customer: The Duty of Vigilance Prevails (CA Paris, Pôle 5 ch. 6, 4 February 2026, No. 24/00766)

When a relative turns up at a bank branch with a power of attorney to carry out significant financial transactions on behalf of a hospitalised ...

Mortgage Loan and Unfair Clause: When a 15-Day Period Is Not Enough (CA Paris, Pôle 5 ch. 6, 18 February 2026, No. 24/13463)

In a judgment of 18 February 2026, the Paris Court of Appeal (Cour d’appel de Paris) overturned the first-instance judgment by declaring an acceleration clause ...

Undetermined Authentication on Apple Pay: Full Reimbursement of the Client – CA Paris, Pôle 5 ch. 6, 11 February 2026, No. 24/12670

In a ruling dated 11 February 2026, the Paris Court of Appeal ordered the Caisse d’Epargne to fully reimburse a client who was the victim ...

Loan Refusal After Agreement in Principle: Can the Bank Incur Liability? – Cass. com., 10 Jan. 2012, No. 10-26.149; CA Colmar, ch. 1 a, 4 Apr. 2018, No. 16/03480; Cass. com., 8 Nov. 2005, No. 1399 FS-D

When a bank issues an agreement in principle for financing and then ultimately refuses to issue a loan offer, can the rejected borrower obtain compensation? ...

The Lombard Loan: Complete Guide 2026 — Definition, How It Works, Risks, and Legal Framework

The Lombard loan (crédit lombard) is a financing mechanism little known to the general public, yet massively used by high-net-worth individuals and institutional investors. This ...

EBICS Protocol and Contractual Scope: Unauthorised International Transfers – CA Paris, Pôle 5 ch. 6, 4 February 2026, No. 23/16958

In a ruling of 4 February 2026, the Court of Appeal of Paris partially reversed a judgment of the Commercial Court of Paris and ordered ...

Banking Phishing: The Burden of Proving Gross Negligence Lies with the Bank – CA Besançon, 1st Civil and Commercial Chamber, 10 February 2026, No. 24/01852

When faced with a fraudulent transfer on your bank account, can your bank refuse to reimburse you by invoking your “gross negligence”? The Court of ...

Banking Fraud and Phone Number Change: When the Bank Must Reimburse – Court of Appeal of Paris, Pôle 5 Chamber 6, 18 February 2026, No. 24/13029

In a notable ruling of 18 February 2026, the Court of Appeal of Paris reversed a first-instance decision and ordered BNP Paribas to reimburse a ...

Disclosure of Security Codes Under Manipulation: Fraud Victims Protected – CA Rouen, Civil and Commercial Chamber, 19 February 2026, No. 25/01563

The Court of Appeal of Rouen has upheld a judgment in favor of a client who fell victim to a sophisticated banking fraud. The ruling ...

Interim Interest in the APR: The Bank Must Prove Their Indeterminability – Cass. 1st civ., 8 October 2025, No. 23-22.090

In a ruling of 8 October 2025, the Court of Cassation provides a long-awaited clarification on the conditions for including interim interest (intérêts intercalaires) in ...

Blocked Retirement Savings and Guarantee: Assets Count Despite Unavailability – Cass. com., 5 November 2025, No. 24-16.389, Published in the Bulletin

In a ruling of 5 November 2025, the Court of Cassation restricts the protection of guarantors by requiring that funds placed in a retirement savings ...