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.

CJIP Banco Santander: EUR 22.5 Million Fine – Paris Judicial Court, 5 December 2025, Case No. 219-2025

On 5 December 2025, the Paris Judicial Court validated a judicial public interest agreement (CJIP) between the public prosecutor and the Spanish bank Banco Santander. ...

Banking Fraud and Secur’Pass: Strong Authentication Does Not Prove Client Consent – TJ Nice, 4th Civil Chamber, 10 February 2026, No. 24/00689

The judgment rendered by the Judicial Court of Nice on 10 February 2026 provides an interesting illustration of the application of the Monetary and Financial ...

FIPEN in Consumer Credit: When Signing Other Documents Suffices to Prove Its Delivery – CA Paris, Pôle 4 ch. 9 a, 5 February 2026, No. 25/01580

In banking litigation, proof of delivery of the pre-contractual information sheet (FIPEN) determines the lender’s right to charge contractual interest. The Court of Appeal of ...

Factor’s Claim Admitted to Liabilities Despite the Judicial Representative’s Challenge: The Contract Prevails – CA Besançon, 1st Civil and Commercial Chamber, 4 June 2025, No. 24/01636

When a company in judicial reorganisation attempts to escape its debt to its factor by criticising the latter for not having sought to recover factored ...

Bank Spoofing: La Banque Postale Ordered to Reimburse Despite Voluntary Card Surrender – TJ Bordeaux, 14 March 2025, No. 24/01018

A client of La Banque Postale received a phone call from a fake bank adviser. Convinced he was acting to protect his account, he handed ...

Settlement Protocol Without Judicial Approval: The Bank Loses 100,000 Euros Due to Time Bar – CA Bordeaux, 1st Civil Chamber, 5 January 2026, No. 25/00984

A couple borrows over 100,000 euros from their bank. Difficulties arise, monthly payments are no longer honoured, the bank accelerates the debt. But the settlement ...

Dailly Assignment of Receivables: The Assignee Must Be Able to Link the Receivable to the Assignment Schedule

The assignment of professional receivables by Dailly schedule is a well-known mechanism in banking law. The Court of Appeal of Aix-en-Provence recalls that the assignee ...

Embezzlement by an Employee: Can the Beneficiary’s Bank Be Held Liable? – Cass. com., January 14, 2026, No. 24-19.102, Published in the Bulletin

An employee embezzles more than 260,000 euros from her employer over 13 months through 58 successive wire transfers to her personal accounts. Should the receiving ...

Identity Theft and Consumer Credit: Bank Dismissed for Failure to Verify – CA Paris, Pole 4 – Ch. 9-A, 15 January 2026, No. 24/19836

The development of remote credit has simplified access to financing. But the Court of Appeal of Paris recalls that the convenience of remote contracts does ...

My Insurer Applies the Concours Medical Scale to Reduce My Disability Rate: How to Challenge It?

The Court of Cassation recalls that ambiguous insurance contract clauses must be interpreted in favour of the consumer. When a disability insurance policy fails to ...

Fraudulent Transfer on Leboncoin: The Receiving Bank Can Be Ordered to Compensate Victims – TJ Paris, 9th Ch. 2nd Sect., July 3, 2024, No. 23-06169

When you fall victim to fraud and have sent money to scammers, you often feel helpless when dealing with your bank. However, a decision by ...

Fake Bank Card Scam: Beware of This New Trap That Drains Your Accounts

A new sophisticated scam is circulating in France. Fraudsters send fake bank cards by post with a malicious QR code. The goal: steal your personal ...