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.

Law No. 2025-1058 of 6 November 2025: New Developments in the Fight Against Banking Fraud

The legislator has recently shown a very marked interest in the crucial question of combating banking fraud. Law No. 2025-1058 of 6 November 2025, published ...

Strong Authentication: Strict Burden of Proof in Banking Fraud – CA Reims, 1st Civil and Commercial Chamber, 18 November 2025, No. 24/01347

The Court of Appeal of Reims, in a ruling delivered on 18 November 2025, adjudicated a dispute between Banque Populaire Alsace Lorraine Champagne and two ...

Strong Authentication and Banking Fraud: The Requirement of Proof – CA Rennes, 2nd ch., 18 November 2025, No. 23/02948

The Court of Appeal of Rennes (2nd ch., 18 November 2025, No. 23/02948) delivered an important decision confirming the order against a bank to reimburse ...

European Agreement on Combating Banking Fraud: What PSD3 and PSR Actually Change

On 27 November 2025, the European Parliament and the Council of the European Union reached a political agreement on the revision of payment services legislation, ...

CEO Fraud: bank ordered to repay 100% of embezzled funds (329,255 euros) with interest

In the context of a dispute relating to CEO fraud, Cabinet LE BOT represented the interests of a company against its bank, SA CIC Nord-Ouest. ...

Joint and Several Suretyship: Failure to Inform Constitutes a “Defence on the Merits” – Com. 26 November 2025, No. 23-19.203, F-B, Published in the Bulletin

The ruling delivered by the Court of Cassation on 26 November 2025 (Appeal No. 23-19.203) is rich in lessons. It contains an important procedural clarification ...

Corporate Guarantor: Full Discharge of Surety Obligations (100%)

In an economic context where the judicial liquidation of a company often jeopardises the personal assets of its guarantors, LE BOT law firm is proud ...

Identity Theft and Consumer Credit: How to Secure Your Documents and Prevent Fraud with France Identite and Filigrane.gouv.fr

We live in an era where the disclosure of our personal data has become a major source of vulnerability. An act as simple as sending ...

Can SMS Truly Qualify as a Possession Factor for Strong Customer Authentication (SCA) Under PSD2 and the RTS?

The question of the validity of SMS as an authentication method is central to the payments industry. The Payment Services Directive 2 (PSD2) (Directive 2015/2366/EU) ...

Unfair Acceleration Clause and Release of Attachment Order – Court of Appeal of Metz, 11 September 2025, RG No. 24/00859

The judgment rendered by the 3rd Chamber of the Court of Appeal of Metz on 11 September 2025 (RG No. 24/00859) provides an illustration of ...

Apple Pay Fraud: Insufficient Proof of Strong Authentication – Court of Appeal of Paris, Division 4, Chamber 9a, 25 September 2025, No. 24/13440

The rapid development of digital payment services, such as the integration of bank cards into mobile application “wallets,” exposes consumers to new forms of fraud. ...

Biennial Time-Bar and Over-Indebtedness: Admissibility Triggers Suspension – Cass. 2e civ., 23 October 2025, No. 23-12.623, Published in the Bulletin

Consumer law, and particularly the issue of the limitation period for recovery actions by professionals, is an area where case law continuously provides essential clarifications. ...