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.

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Is the Surety Obliged to Verify the Regularity of the Debt Before Paying? – Cass. 1re civ., 21 January 2026, No. 24-10.652

The Court of Cassation confirms that no obligation to spontaneously verify the regularity of the acceleration clause or the APR calculation rests on the surety ...
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Bank Liability and Wire Transfer Fraud: The RIB Anomaly at the Heart of the Duty of Vigilance – CA Pau, 2e ch. sect. 1, 19 January 2026, No. 24/01687

The ruling delivered by the 2nd chamber of the Court of Appeal of Pau on 19 January 2026 (No. 24/01687) provides an interesting illustration of ...
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How to Know If Your Suretyship Commitment Is Proportionate to Your Income

You signed a suretyship agreement to guarantee a loan or a lease, and the creditor is now turning to you for payment? It is essential ...
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Suretyship and Current Account Closure: The Annual Information Obligation Survives Until the Debt Is Extinguished – Cass. com., 26 November 2025, No. 23-19.203

In a decision dated 26 November 2025 (No. 23-19.203), the Commercial Chamber of the Court of Cassation reminds professional creditors of a strict rule: the ...
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Payment of a Prescribed Debt: How to Obtain a Refund – Cass. 1ere civ., 26 November 2025, No. 23-21.121

In a landmark ruling delivered on 26 November 2025 (No. 23-21.121) and published in the Bulletin, the First Civil Chamber of the Court of Cassation ...
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The Inadequacy of the Standardised Form and the Banker’s Duty to Advise – CA Rennes, 2e ch., 9 December 2025, No. 23-03706

The ruling of the Court of Appeal of Rennes of 9 December 2025 (No. 23/03706) illustrates with renewed rigour the extent of the lender's obligations ...
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Spoofing Fraud: Why Strong Authentication Is No Longer Enough to Exonerate Banks – CA Paris, 18 December 2025, No. 24/19561

The ruling delivered by the Court of Appeal of Paris on 18 December 2025 (No. 24/19561) marks a decisive step in the protection of bank ...
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The Veracash Case (Continued): Towards Strengthened Reimbursement Rights for Unauthorised Transactions – Cass. com., 14 January 2026, No. 22-14.822

On 14 January 2026, the Commercial Chamber of the Court of Cassation delivered a major decision (No. 22-14.822). Published in the Bulletin, this ruling clarifies ...
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Professional Loan: The Validity of the 15-Day Period for Acceleration of Maturity Confirmed – Cour d’appel de Paris, pole 1 ch. 8, 19 December 2025, No. 25/03820

In the field of lending, acceleration of maturity clauses — allowing a bank to demand immediate repayment of an entire loan upon default — are ...

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Suretyship and Disproportionality: The Cour de cassation Endorses the Economic Reality of Indebtedness – Cass. com., 26 Nov. 2025, No. 24-17.990

The law of suretyship has just reached a decisive milestone regarding the assessment of manifest disproportionality. In a landmark ruling handed down on 26 November ...

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The European Standardised Information Sheet (ESIS/FIPEN) – Case Law Update

If the bank does not scrupulously comply with its obligations regarding the European Standardised Information Sheet (ESIS/FIPEN), it faces major financial sanctions of which you ...
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Banking Fraud and the Duty of Vigilance: Lessons from the Heppner Case (Cass. com., 14 January 2026, No. 24-19.102, Published in the Bulletin)

In the context of companies that are victims of embezzlement committed by their own employees, French banking law rests on a complex balance between the ...