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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Fake Bank Adviser: The Court of Appeal of Paris Confirms Bank Liability and Victim Reimbursement (CA Paris, 22 May 2025, RG No. 24/02286 and 24/02984)

The Court of Appeal of Paris rendered two decisions following the victim-favorable jurisprudential trend initiated by the Court of Cassation on 23 October 2024 (Cass. ...

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Apple Pay / Google Pay: Obtain Reimbursement of Your Unauthorized Transactions When the Fraud Did Not Occur from Your Device

Mobile payment services like Apple Pay are revolutionizing our habits, but they also expose us to new forms of fraud. A frequent situation is one ...

crédit à la consommation

Consumer Credit: Proof of Delivery of the Withdrawal Form and Forfeiture of Interest (Cass. 1re civ., 28 May 2025, No. 24-14.679)

Consumer law grants borrowers a fundamental right: the right to withdraw after signing a credit offer. But how can it be proven that this right ...

chèque de banque

Bank Check Fraud: Complete Guide to Your Rights and Bank Liability

A bank check (cheque de banque) is a payment instrument issued by the bank itself from its own funds, providing its beneficiary with a theoretically ...

prets en ch victoire pour les frontaliers

Reversal of Case Law by the Court of Cassation: Annulment of Swiss Franc Loans Finally Available to All Cross-Border Workers (Cass. 1st Civ., 9 July 2025, No. 24-19.647 and 24-18.018, Published in the Bulletin)

Over the past decade, the protection of consumers who took out Swiss franc loans for the purchase of property in France has been at the ...

résolution et contrat de crédit immobilier

Termination of the Mortgage Credit Agreement: Scope of Contractual Interdependence (Civ. 1ere, 2 April 2025, 23-19.513, Unpublished)

The mortgage credit agreement is, by its very nature, linked to the transaction it finances, most often the acquisition of real property. This contractual interdependence ...

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Unfair Terms and Over-Indebtedness: Strengthened Protection for Consumers in Financial Difficulty – CJEU, 3 July 2025, Wiszkier, No. C-582/23

Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts is the cornerstone of this protection. Its application, and in particular the ...

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Swiss Franc Loans Repayable in Swiss Francs: New Victories for Borrowers Against Unfair Terms

A recent Court of Appeal decision has provided major clarifications on the unfair nature of certain provisions in Swiss franc loans repayable in Swiss francs ...

délai pour agir

Unauthorized Transactions: Reporting Within 13 Months, Legal Action Within 5 Years – The Cour de Cassation Clarifies the Rules – Com. July 2, 2025, No. 24-16.590

In cases of banking fraud, the speed of the victim’s reaction is often crucial, and it is indeed required by European legislation to dispute unauthorized ...

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Cryptocurrency Fraud: Understanding Jurisdiction and Applicable Law in Cross-Border Banking Disputes

As a banking law attorney, I offer you insight into a decision by the Paris Court of Appeal that addresses crucial questions for fraud victims, ...

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The Banker’s Duty of Vigilance: An Essential Shield Against CEO Fraud, Still Relevant (Cass. com., June 12, 2025, No. 24-10.168 and No. 24-13.697)

Two recent decisions by the French Court of Cassation reaffirm that the duty of vigilance of banks remains fully relevant and recall the interplay between ...

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Inter-Company Loans: Legal Framework and Penalties (Art. L.511-6 CMF)

In the entrepreneurial ecosystem, financial support between companies may appear as a natural step, aimed at facilitating operations or overcoming economic challenges. However, behind this ...