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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Consumer Credit: Your Rights and Sanctions for Bank Non-Compliance

When you take out consumer credit, the bank has strict obligations towards you. Non-compliance with these obligations leads to significant sanctions that can considerably reduce ...
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Financial Leasing and Small Businesses: How to Have Your Contract Annulled – Cass. crim., 6 January 2026, No. 24-81.212

Thanks to landmark decisions by the Court of Cassation in April 2025 and January 2026, the rights of small professionals have made a great leap ...
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Unfair Terms and Set-Off: Why the Bank Can No Longer Invoke Waiver of Limitation – CJEU, 11 December 2025, C-767/24, Kuszycka

The CJEU strengthens consumer protection by neutralising a national procedural formalism deemed incompatible with Directive 93/13/EEC. The Court holds that the principle of effectiveness precludes ...
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Undated Cheque: The Requirement of Unequivocal Agreement – Cass. com., 4 February 2026, No. 23-14.413

The Court of Cassation recalls a fundamental rule: if you receive an undated cheque, you cannot fill in the date yourself without the explicit agreement ...
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Fake Bank Adviser Fraud: Shared Liability Between the Bank and the Telecom Operator

In a decision rendered on 15 January 2026, the Paris Judicial Tribunal ordered BNP PARIBAS to reimburse a customer who fell victim to “spoofing”, while ...

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Banking Fraud: How to Report to Obtain a Refund? Filing a Complaint Is Not Enough – Cass. com., 4 February 2026, No. 22-22.609

Payment services law, governed by the Monetary and Financial Code (CMF), rests on a delicate balance between user protection and the liability of the payment ...

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Abusive acceleration clause: foreclosure avoided!

When facing foreclosure proceedings, the feeling of helplessness is often total. This is the challenge our firm took on for Mrs. X, whose primary residence ...

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Is Legal Action Possible When the Bank Grants a Loan Agreement But Then Refuses to Issue the Loan Offer?

When a bank grants an agreement in principle for a loan but then refuses to issue the final loan offer, borrowers wonder about their available ...
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What Risks Does a Borrower Face When Submitting False Documents for a Loan Application?

Submitting false documents for a bank loan application carries severe consequences, both civil and criminal. Discover the risks: loan contract annulment, judicial proceedings, registration on ...
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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 ...