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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Suretyship and Current Account Closure: The Annual Information Obligation Survives Until the Debt Is Extinguished – Cass. com., 26 November 2025, No. 23-19.203

In a decision dated 26 November 2025 (No. 23-19.203), the Commercial Chamber of the Court of Cassation reminds professional creditors of a strict rule: the ...
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Payment of a Prescribed Debt: How to Obtain a Refund – Cass. 1ere civ., 26 November 2025, No. 23-21.121

In a landmark ruling delivered on 26 November 2025 (No. 23-21.121) and published in the Bulletin, the First Civil Chamber of the Court of Cassation ...
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The Inadequacy of the Standardised Form and the Banker’s Duty to Advise – CA Rennes, 2e ch., 9 December 2025, No. 23-03706

The ruling of the Court of Appeal of Rennes of 9 December 2025 (No. 23/03706) illustrates with renewed rigour the extent of the lender's obligations ...
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Spoofing Fraud: Why Strong Authentication Is No Longer Enough to Exonerate Banks – CA Paris, 18 December 2025, No. 24/19561

The ruling delivered by the Court of Appeal of Paris on 18 December 2025 (No. 24/19561) marks a decisive step in the protection of bank ...
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The Veracash Case (Continued): Towards Strengthened Reimbursement Rights for Unauthorised Transactions – Cass. com., 14 January 2026, No. 22-14.822

On 14 January 2026, the Commercial Chamber of the Court of Cassation delivered a major decision (No. 22-14.822). Published in the Bulletin, this ruling clarifies ...
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Professional Loan: The Validity of the 15-Day Period for Acceleration of Maturity Confirmed – Cour d’appel de Paris, pole 1 ch. 8, 19 December 2025, No. 25/03820

In the field of lending, acceleration of maturity clauses — allowing a bank to demand immediate repayment of an entire loan upon default — are ...

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Suretyship and Disproportionality: The Cour de cassation Endorses the Economic Reality of Indebtedness – Cass. com., 26 Nov. 2025, No. 24-17.990

The law of suretyship has just reached a decisive milestone regarding the assessment of manifest disproportionality. In a landmark ruling handed down on 26 November ...

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The European Standardised Information Sheet (ESIS/FIPEN) – Case Law Update

If the bank does not scrupulously comply with its obligations regarding the European Standardised Information Sheet (ESIS/FIPEN), it faces major financial sanctions of which you ...
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Banking Fraud and the Duty of Vigilance: Lessons from the Heppner Case (Cass. com., 14 January 2026, No. 24-19.102, Published in the Bulletin)

In the context of companies that are victims of embezzlement committed by their own employees, French banking law rests on a complex balance between the ...
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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 ...
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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 ...
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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 ...