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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Financial Scams, Influencers, Hidden Fees: What the 2025 Annual Report of the ACPR-AMF Joint Unit Reveals

16% of French people say they have already been victims of a financial scam. 1,351 new fraudulent websites or operators added to the blacklists in ...

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Home Loan Transfer: Can You Keep Your Loan When Changing Property?

A few years ago you secured a home loan at a rate that is now impossible to find. You want to sell your home to ...

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Web Skimming: What Is It and How to Get Reimbursed by Your Bank?

You pay for a purchase on a perfectly legitimate online shop, and a few days later unknown debits appear on your account. You never lost ...

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Disproportionate Guarantee: A Financial Information Form Without Anomalies Locks Down the Debate (Cass. com., 17 June 2026, No. 25-10.990)

A guarantor had been released from his or her commitments by the Bordeaux Court of Appeal, which had held that the guarantees were manifestly disproportionate ...

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FNC-RF False Positives: When a Merchant Sees Its Payments Rejected, and How to React

Since 7 May 2026, a new national file has listed bank accounts suspected of fraud: the FNC-RF. Designed to stop fraudsters, it also hits perfectly ...

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Bank Card Fraud “With the PIN”: Why the Bank Must Prove Much More (and Often Reimburse)

When a customer disputes a debit that they did not intend, the bank almost always responds with the same sentence: “the transaction was carried out ...

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Disproportionate Property Seizure: The Judge Must Verify the “Fair Balance” (Cass. 2e civ., 21 May 2026, No. 23-10.643)

Has your bank started foreclosure proceedings on your home when your real debt amounts to only a few thousand euros? The French Supreme Court (Cour ...

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Tax-Advantaged Property Investment: Limitation and the “Materialisation of the Loss” (Cass. com., 10 June 2026, No. 25-14.312)

You invested in rental property to reduce your tax bill, you were promised a profitable transaction, and the rent never covered the costs and the ...

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Borrower Insurance Never Taken Out: The Bank Must Reimburse the Premiums and Compensate the Loss of Chance (CA Bordeaux, 23 April 2026, No. 23/05253)

For more than eight years, a borrower paid an insurance premium every month for a policy that never existed. When she tried to call on ...

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Loan Refused and Deposit: A Single Compliant Application Is Enough (Cass. 3e civ., 9 April 2026, No. 24-12.979)

You signed a sale agreement subject to obtaining a loan, your bank refused to finance you, and the seller is now claiming the penalty clause ...

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SIM Swapping: The Bank Must Reimburse Fraudulent Transfers (CA Amiens, 23 October 2025, No. 23/05055)

Overnight, your phone loses its network. Meanwhile, transfers leave your bank account and the validation codes arrive… on a fraudster’s SIM card. This is SIM ...

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Quishing: QR Code Scam and Bank Reimbursement (TJ Paris, 9 April 2025, No. 23/08669)

A fake parking ticket slipped under the windscreen wiper, a QR code leading to a website dressed in the colours of the authorities, and a ...