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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European Agreement on Combating Banking Fraud: What PSD3 and PSR Actually Change

On 27 November 2025, the European Parliament and the Council of the European Union reached a political agreement on the revision of payment services legislation, ...

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CEO Fraud: bank ordered to repay 100% of embezzled funds (329,255 euros) with interest

In the context of a dispute relating to CEO fraud, Cabinet LE BOT represented the interests of a company against its bank, SA CIC Nord-Ouest. ...

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Joint and Several Suretyship: Failure to Inform Constitutes a “Defence on the Merits” – Com. 26 November 2025, No. 23-19.203, F-B, Published in the Bulletin

The ruling delivered by the Court of Cassation on 26 November 2025 (Appeal No. 23-19.203) is rich in lessons. It contains an important procedural clarification ...
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Corporate Guarantor: Full Discharge of Surety Obligations (100%)

In an economic context where the judicial liquidation of a company often jeopardises the personal assets of its guarantors, LE BOT law firm is proud ...

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Identity Theft and Consumer Credit: How to Secure Your Documents and Prevent Fraud with France Identite and Filigrane.gouv.fr

We live in an era where the disclosure of our personal data has become a major source of vulnerability. An act as simple as sending ...

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Can SMS Truly Qualify as a Possession Factor for Strong Customer Authentication (SCA) Under PSD2 and the RTS?

The question of the validity of SMS as an authentication method is central to the payments industry. The Payment Services Directive 2 (PSD2) (Directive 2015/2366/EU) ...
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Unfair Acceleration Clause and Release of Attachment Order – Court of Appeal of Metz, 11 September 2025, RG No. 24/00859

The judgment rendered by the 3rd Chamber of the Court of Appeal of Metz on 11 September 2025 (RG No. 24/00859) provides an illustration of ...
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Apple Pay Fraud: Insufficient Proof of Strong Authentication – Court of Appeal of Paris, Division 4, Chamber 9a, 25 September 2025, No. 24/13440

The rapid development of digital payment services, such as the integration of bank cards into mobile application “wallets,” exposes consumers to new forms of fraud. ...

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Biennial Time-Bar and Over-Indebtedness: Admissibility Triggers Suspension – Cass. 2e civ., 23 October 2025, No. 23-12.623, Published in the Bulletin

Consumer law, and particularly the issue of the limitation period for recovery actions by professionals, is an area where case law continuously provides essential clarifications. ...

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Consumer Credit and Attachment Order: When Proof of Debt Assignment Is Insufficient – JEX Creteil, 24 October 2025, RG 25/06121

On 24 October 2025, the Enforcement Judge (juge de l'execution) of the Creteil Judicial Court rendered a judgment perfectly illustrating a defense that can be ...
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Banker’s Duty of Vigilance and Atypical Investments: Fraso v. BNP Paribas – Com. 19 November 2025, No. 24-18.534

The role of the banker as account holder and payment service provider is regularly tested by the increase in sophisticated fraud. The case opposing SAS ...
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The Luxalpha Case: When Unlawful Canvassing Leads to a Heavy Conviction – Cass. Com. 19 November 2025, No. 24-16.094

On 19 November 2025, the Commercial Chamber of the Court of Cassation rendered an important ruling in a case opposing a financial investment advisor against ...