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.

IBAN Fraud: The Bank Is Not Liable If the Transfer Follows the Identifier Provided (Cass. com., 1 July 2026, No. 25-16.014)

You paid for a vehicle, a home or a service by bank transfer, copying the IBAN you were given. The money went to a stranger’s ...

Fraud and Transfer Abroad: French Law May Apply to the Receiving Bank (Cass. 1re civ., 6 May 2026, No. 24-22.192)

You were manipulated from France, you transferred your savings to an account opened abroad, and the bank that received the funds now argues that your ...

Attachment of Debts: Badly Served Judgment Declared Null and Void (Paris Court of First Instance, Enforcement Judge, 10 July 2026, No. 26/80487)

A 2019 judgment, a debt-recovery fund claiming to be the assignee of the debt, an attachment of debts (saisie-attribution) launched almost six years later on ...

Provisional Enforcement: Guarantor on a Modest Income Succeeds (CA Aix-en-Provence, 18 June 2026, No. 26/00266)

A guarantor ordered jointly and severally by the commercial court, a judgment carrying provisional enforcement, annual income of €7,377: the mechanism of Article 514-3 of ...

Article 2300 of the Civil Code: Reducing a Disproportionate Suretyship to Zero (CA Grenoble, 25 June 2026, No. 25/01507)

A company director stands surety, on the same day, for two business loans granted to his bakery, for a total of €54,000. When he signs, ...

Disproportionate Guarantee: An “Expired” Commitment Still Counts (Cass. com., 8 July 2026, No. 25-16.540)

Can a guarantor whose commitment was manifestly disproportionate on the day it was signed be ordered to pay on the ground that their other guarantees, ...

Disproportionate Guarantee: Guarantor Fully Discharged, Bank Dismissed (CA Bordeaux, 22 June 2026, No. RG 24/03656)

Ordered at first instance to pay more than €67,000 to the bank, a guarantor obtains full discharge before the Bordeaux Court of Appeal. The judgment ...

SIM Swapping: Bank Held Liable for Lack of Proof of Strong Authentication (CA Douai, 18 June 2026, No. 24/02174)

A hijacked SIM card, two instant transfers totalling €11,909, and a bank that refuses to reimburse, citing its customer’s negligence: the scenario has become sadly ...

Fake Security Questionnaire: No Gross Negligence by the Customer (TJ Lyon, 23 June 2026, No. 25/01406)

A customer receives, directly within his banking app, a notification inviting him to answer a “security questionnaire”. A few days later, more than €21,000 vanishes ...

Fake Bank Adviser Fraud: Société Générale Ordered to Reimburse €6,661 (TJ Lyon, 30 June 2026, No. 25/04819)

A half-hour call, a phone number that appears to be the bank’s own, and €6,661 gone to the company AIRBNB. By a judgment of 30 ...

Spoofing: The Bank Must Reimburse Despite Sécur’Pass Strong Authentication (TJ Lyon, 23 June 2026, No. RG 23/02724)

A call displaying the number of your bank branch, a supposed anti-fraud adviser on the line, codes handed over in a rush… and €7,043.71 gone ...

Fraudulent Transfer: The Bank Must Prove Strong Authentication, Not Use of the Phone (TJ Lyon, 30 June 2026, No. 23/02144)

Two fraudulent transfers of €2,209.65 and €2,282.95 debited from an account, a bank that refuses to reimburse by claiming they were validated “via the mobile ...