Raphaël MORENON
Limitation periods in property seizures: biennial and five-year periods depending on the parties involved
By Raphaël MORENON29 October 2025Debts and property seizures: don't miss the deadlines! Get to grips with the statute of limitations to defend your assets effectively and stop legal proceedings.
Legal definition of concerted action: analysis of article L. 233-10
Concerted action, Banking and stock exchange lawFar from being a mere theoretical concept, acting in concert is a legal and strategic reality at the heart of company and stock market law. It refers to the situation where several individuals or legal entities coordinate their efforts to implement a common strategy with regard to a company. Article L....The origins and development of the concept of action de concert in France
Concerted action, Banking and stock exchange lawConcerted action is a key concept in stock market and company law. Often perceived as complex, it refers to the situation where several people, usually shareholders, coordinate to implement a common strategy with regard to a company. Understanding the origins and development of this concept...Concerted action in French law: understanding its mechanisms and implications
Concerted action, Banking and stock exchange lawConcerted action is a central concept in business law, often perceived as technical and reserved for large-scale financial transactions. It is, however, a mechanism whose purpose and implications extend far beyond the stock markets to reach the very heart of company law. An action in concert...The legal framework for bank transfers: the customer's rights and the bank's obligations
Banking and securities law, Credit transfersThe bank transfer is now an essential tool for individuals and businesses alike, making it easier to exchange money on a daily basis. Whether you are paying rent, settling a supplier invoice or transferring funds to a relative, the apparent simplicity of bank transfers masks a specific legal framework. Understanding the rights and obligations...Deadlines and liability in the event of a non-executed or delayed transfer
Banking and securities law, Credit transfersBank transfers, which have become everyday tools for individuals and businesses, are based on precise legal mechanisms. However, sometimes a transfer is not carried out correctly or is delayed, raising questions about the applicable deadlines and the liability of banks. Understanding these rules is essential to...Due diligence obligations of the bank in the case of an international transfer
Banking and securities law, Credit transfersInternational credit transfers are commonplace in a globalised world, but they expose users and banks to increased risks, particularly in terms of fraud and money laundering. In view of these challenges, banks are subject to specific obligations of vigilance, reinforced by the...Blocking and disputing a bank transfer: what legal steps should be taken?
Banking and securities law, Credit transfersWhen faced with a suspicious or unsolicited bank transfer debited from your account, responsiveness is essential. Whether it's a transaction you've never authorised, an error in the amount or a direct debit whose legitimacy you dispute, there are legal steps you can take to assert your rights. Understanding the distinction...Bank liability in the event of a fraudulent transfer: what recourse do customers have?
Banking and securities law, Credit transfersThe dematerialisation of banking and the proliferation of online transactions have unfortunately paved the way for an upsurge in fraud, particularly fraudulent transfers. Whether individuals or businesses, no-one is immune to these sophisticated schemes, which can cause considerable financial damage. When the irreparable happens...The GPT for creating Adapps matrices
Firm lifeAs part of the digitalisation of our internal tools, we have set up intelligent assistance dedicated to the use of ADAPPS software. 🎯 Objective: to help you create, modify or correct your matrices (templates for letters, summonses, agreements, etc.) without needing any technical knowledge. 🤖...Sharing banking secrecy without client consent: the 7 legal exceptions
Banking and securities law, Banking secrecyBanking secrecy is a fundamental obligation, the basis of trust between a financial institution and its customer. This principle, which is protected by law in France, is not absolute. The Monetary and Financial Code itself provides for specific situations where the sharing of confidential information with a third party...Bank-client conflict of interest: identifying and managing the risks
Conflicts of interest, Banking and securities lawThe relationship between a bank and its customer is based on the fundamental principles of loyalty and trust. However, the very nature of banking activities, which are many and sometimes divergent, can lead to situations where the bank's interests conflict with those of its customer. These conflicts...Banking secrecy and tax authorities: your rights and their limits
Banking and securities law, Banking secrecyBanking secrecy, long considered an essential protection of privacy and business, is seeing its boundaries redefined in the face of the growing prerogatives of the tax authorities. While the principle remains that information held by your bank is confidential, the law provides for a number of exceptions allowing the tax authorities access to this information...The seized debtor: rights, obligations and protection
Guarantees, securities and enforcement lawWho hasn't received a letter from a bailiff? This stressful experience places the recipient in a specific legal position: that of the distrained debtor. As the central character in civil enforcement proceedings, the debtor has specific rights, but must also comply with certain obligations. The status of debtor The person of the debtor...Tasks and powers of the ECB within the Single Supervisory Mechanism (SSM)
Banking and securities law, Single supervisory mechanismSince the financial crisis of 2007-2008 and the ensuing sovereign debt crisis, the European Union has undertaken a far-reaching reform of banking supervision. The creation of the Banking Union, and within it the Single Supervisory Mechanism (SSM), marked a major turning point. This mechanism entrusts...MSU: understanding the principles and scope of single banking supervision
Banking and securities law, Single supervisory mechanismThe European Banking Union, conceived in response to the financial turmoil of 2007-2008 and the sovereign debt crisis that followed, represents a major step forward in financial integration within the European Union. At the heart of this union is the Single Supervisory Mechanism (SSM), an integrated system...The Single Supervisory Mechanism (SSM): role and operation explained
Banking and securities law, Single supervisory mechanismThe European banking landscape has been profoundly reshaped in recent years, particularly since the financial crises that have shaken the global economy. At the heart of this transformation is the Banking Union, an ambitious project aimed at strengthening the solidity of banks and harmonising their supervision within the eurozone...Understanding the free movement of capital and payments in the EU
Banking and securities lawThe free movement of capital and payments is one of the four fundamental freedoms guaranteed by the European Union Treaties. This freedom is often overlooked by businesses and individuals, yet it plays a decisive role in the smooth running of the European internal market. Our firm regularly observes situations where...Enforceable titles in French law: a practical guide
Guarantees, securities and enforcement lawWhen a debtor refuses to pay, the creditor is often at a loss. Without a writ of execution, it is impossible to initiate enforcement proceedings. Every week, our firm receives clients who discover this reality after several months of unsuccessful reminders. What is a writ of execution? An enforceable title is the key to...I can't pay the bailiff: what should I do?
Guarantees, securities and enforcement lawReceiving a letter from a judicial commissioner (formerly a bailiff) and not being able to pay the sum claimed is a frightening situation. However, ignoring the problem is the worst strategy for avoiding more serious consequences. There are practical solutions for dealing with the situation, negotiating and, if necessary,...Time limits and obstacles to enforcement
Guarantees, securities and enforcement lawDebt collection is a race against time. Even with an enforcement order in hand, the creditor comes up against various time obstacles that can delay or even prevent recovery. This often overlooked time dimension is a decisive factor in the effectiveness of an enforcement procedure. Time limits...
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