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.

assets task 01jxcfxrfdfg292rrmjjm28xsd 1749544859 img 0

Unfair Terms and Consumer Status: Mortgage Loans, Buy-to-Let Investments, and Mixed-Use Contracts

This article explores a fundamental concept at the heart of consumer protection: the consumer status in the face of unfair terms. It analyzes the case ...

assets task 01jxabfhtderwt79q5d8fcjh58 1749473088 img 1

Tied Credit and Seller’s Fraud: Nullity of the Loan Even Without Cancellation of the Sale

Tied credit agreements, those financing arrangements specifically dedicated to the acquisition of a good or service, are by nature linked to the principal contract they ...

assets task 01jxa93nzse1692mthy9qtyk9e 1749470604 img 1

CREDIT LOGEMENT: Loss of the Surety’s Right of Recourse

A recent decision by the Cour de cassation, dated 12 March 2025, once again confirms a rigorous position unfavorable to borrowers, raising important questions about ...

img 2862

Borrower’s Insurance: When the Disability Clause Becomes Unfair, the Cour de Cassation Rules!

Borrower’s insurance is an essential component of any mortgage loan, offering protection to both the borrower and the bank in the event of hardships such ...

assets task 01jx2gy7cxe8nbdkeydqgszsms 1749210393 img 1

Agreement Between Lender and Borrower: A Bar to Judicial Review? Not So Fast!

In the field of consumer credit, it is common for lenders and borrowers, when facing difficulties, to attempt to find an amicable solution, often formalized ...

assets task 01jx05vcemetna0vzmvyjsc7ad 1749131663 img 0

Sale-Loan Interdependence: Is the Repayment of Capital an Unfair Burden on the Buyer Who Is the Victim of Fraud?

Consumer law has long developed the concept of contractual interdependence to ensure better protection for consumers. This approach allows several contracts, such as a sale ...

assets task 01jx048bsffmqsf4sfc3pd7s0d 1749130002 img 1

Bank Fraud: Phishing, Spoofing, and the Proof of Gross Negligence

The question of reimbursement of sums debited following unauthorized transfers, often linked to fraud such as phishing, is at the heart of numerous disputes between ...

assets task 01jx01kc9je198568y9z2b3rtj 1749127150 img 0

Disproportionate Surety and Bank’s Duty to Inform (Credit Agricole vs GAEC)

Cour de cassation, Commercial Chamber, 21 May 2025, 24-11.783, Unpublished A recent decision by the Cour de cassation highlights the obligations of banks and the ...

assets task 01jwxgjbbafvfas3dhnj6zdpqh 1749042209 img 1

Over-Indebtedness: Nullity of the Bank’s Challenge

In over-indebtedness proceedings, the first step is the examination of the admissibility of the over-indebtedness application by the commission. Pursuant to Article L711-1 of the ...

assets task 01jwxe2rsyeb4tcparqz8wknnv 1749039626 img 0

Life Insurance and In Fine Loans: Interdependence, Withdrawal, Lapse, and Restitution

The combination of a life insurance contract and an in fine loan, often intended to fund the insurance premiums, is a common financial arrangement that, ...

assets task 01jwx4b9d6egmvvjz369z1pdsn 1749029393 img 0

CJEU Lexitor (13 February 2025): Consumer Credit – The Court Strengthens Transparency and Consumer Rights Against Banks

In the field of banking law and consumer protection, an important decision was handed down by the Court of Justice of the European Union (CJEU) ...

assets task 01jwvf7g1nf9xaqb18k5hrww1s 1748973695 img 1

Consumer Credit: SECCI, Proof of Delivery by the Bank, and Forfeiture of Interest – Your Rights Explained

When you take out a consumer credit agreement, the law (stemming notably from the loi Lagarde) requires lenders to provide you with a Standard European ...