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.

Internal Banking Fraud: Towards a National Register of Fraudulent Bank Employees? (Bill No. 3032, National Assembly, 7 July 2026)

A national register of bank employees who have committed “serious breaches of integrity”: that is what a member of parliament proposes in a bill tabled ...

Condition Precedent for a Loan: Applying for a Rate Below the Maximum Can Cost the Immobilisation Indemnity (Cass. 3e civ., 25 June 2026, No. 24-14.137)

You are buying a property and your promise to sell (promesse de vente) contains a condition precedent of obtaining a loan at a maximum rate ...

Fake Bank Adviser Scam: The Bank Must Reimburse Despite Strong Authentication (TJ Saint-Brieuc, 30 June 2026, No. 25/00709)

A Caisse d’Épargne customer, caught by a fake bank adviser following what has become a textbook scenario (a parcel delivery text message, then a phone ...

Mortgage Surety: The Guarantor Company Cannot Rely on the Debtor’s Court-Supervised Reorganisation (CA Bordeaux, 9 July 2026, No. RG 26/02118)

A company charges its building as security for the debt of another company, and the debtor is then placed in court-supervised reorganisation (redressement judiciaire). Can ...

Fraudulent Transfers: Banque Populaire du Sud Ordered to Pay for Lack of Logs (TJ Montpellier, 18 June 2026, No. RG 23/03161)

A customer of Banque Populaire du Sud discovers that €12,000 has left her accounts in two days, through three transfers to third-party accounts held in ...

Bank Account Refused Because of US Sanctions: The Automatic Refusal Struck Down (CJEU, 11 June 2026, Case C-81/24)

Can a bank shut its door on you solely because your name appears on a sanctions list drawn up by the United States? No, answers ...

Fake Bank Adviser Scam: Strong Authentication Does Not Prove That the Payment Was Authorised (TJ Lille, 10th ch., 27 May 2026, No. 25/00111)

Is your bank arguing that the fraudulent payments were validated by strong authentication and refusing any reimbursement? In a judgment of 27 May 2026, the ...

Fake Adviser Fraud: The Bank Ordered to Pay Despite Secur’Pass Validation (TJ Toulon, 28 May 2026, No. 25/05033)

An 88-year-old customer, manipulated over the phone by a fake bank adviser, herself validates more than €11,600 of fraudulent payments through the Secur’Pass strong authentication ...

Fraudulent Transfers: Use of Codes and Token Does Not Prove Consent (Cass. com., 1 July 2026, No. 25-13.134)

Your bank argues that the disputed transfer was validated with your codes, your user ID or your security device, and that it is therefore deemed ...

Fake Bank Adviser Scam: The Bank Ordered to Reimburse Everything for Lack of Strong Authentication (CA Versailles, 19 May 2026, No. 25/03537)

Eleven virtual bank cards created in a matter of seconds, more than €90,000 gone from a company’s business account, and a bank that refuses to ...

Consumer Credit: Service of a Summons at the Wrong Address Brings Down the Judgment (CA Paris, 4 June 2026, No. 25/08459)

One day you discover that you have been ordered to pay more than €22,000 to a lender, following a trial you never heard of. This ...

Loan and Nominee Borrowers: The Complicit Bank Cannot Claim Repayment (Paris Court of Appeal, 19 June 2024, No. 22/09218; Cass. 1st civ., 11 March 2026, No. 24-19135, F-B)

A bank lends five million euros to two students with no income, aged 24 and 25, “to finance their personal needs”. In reality, within a ...