Raphaël MORENON
The grace period and compulsory execution
By Raphaël MORENON19 September 2025Faced with a debt due and the threat of seizure? Find out how the judicial grace period can give you breathing space to reorganise your finances.
Force majeure and bank del credere: expert opinion on bank liability and exemptions
Guarantees, securities and enforcement lawCan your bank renege on its guarantee in the event of force majeure? Find out how the bank del credere protects your payments in the event of unforeseen circumstances. Secure your transactions!Order confirmation vs. factoring: which del credere guarantee should you choose for export?
Guarantees, securities and enforcement lawExport with peace of mind! Discover factoring and order confirmation to secure your international payments. Protect your cash flow against non-payment.Banker's draft and irrevocable documentary credit: legal analysis of the exporter guarantee
Guarantees, securities and enforcement lawExport with peace of mind! Find out how bank del credere and irrevocable documentary credit protect your international payments against the risk of default.Card issuer's del credere: the essential payment guarantee for merchants
Guarantees, securities and enforcement lawMerchants, are your card payments really secure? Discover the bank del credere, the essential guarantee that protects your business from unpaid customers.Bank ductility and fixed-rate discounting (without recourse): mechanisms, specific features of foreign exchange and strategies for companies
Guarantees, securities and enforcement lawIs your business facing non-payment? Non-recourse discounting and bank del credere secure your cash flow by transferring the risk. Get to grips with these solutions!Bank del credere: full definition, legal nature and modern applications
Guarantees, securities and enforcement lawSecure your commercial payments! Understand the del credere mechanism to protect yourself effectively against non-payment and guarantee the successful completion of your transactions.Banking ethics: banks' obligations towards small businesses, SMEs and local authorities
Guarantees, securities and enforcement lawBusinesses, optimise your banking relationship! Find out about banks' obligations in terms of ethics, transparency and loyalty. Protect your interests!Special commercial law in saint-barthélemy and saint-martin: specific legal features and collective proceedings
Commercial, business and competition lawIn Saint-Barthélemy and Saint-Martin, local commercial law has its own special features. Understand these rules to help secure your business and your investments. Read our guide!Commercial law in Wallis and Futuna: legal regime, specificities and adaptations
Commercial, business and competition lawEntrepreneurs in Wallis and Futuna: local commercial law is complex. Find out about its specific features to help you secure your business in this unique territory.Commercial law in Saint Pierre and Miquelon: exclusions and specific adaptations
Commercial, business and competition lawEntrepreneurs in Saint-Pierre and Miquelon? Commercial law is unique here! Get to grips with its peculiarities so you can secure your business and succeed.Overseas commercial law: judicial organisation and specific features of mixed commercial courts
Commercial, business and competition lawCommercial law in overseas France is unique. Find out about the Mixed Commercial Courts and the laws specific to each DOM-COM territory to help you manage your business more effectively.Commercial law in French Polynesia: specific features, adaptations and the role of the Papeete Commercial Court
Commercial, business and competition lawNavigate commercial law in French Polynesia without error! Understand the unique rules, the Court of Papeete and secure your business as an entrepreneur or investor.Commercial law in New Caledonia: specific legislation and local adaptations
Commercial, business and competition lawSet up in New Caledonia with confidence! Master the specific features of local business law to protect your investments. An essential guide.Commercial law in Mayotte: specific regimes, exclusions and essential adaptations
Commercial, business and competition lawCommercial law in Mayotte: find out how French integration and specific local features shape a unique legal framework. Secure your business!Repaying credit as a couple: rights, obligations and matrimonial property regimes
Guarantees, securities and enforcement lawTaking out a loan as a couple is a common procedure, often seen as a simple administrative formality. However, the legal implications are far from trivial and vary considerably depending on the nature of the relationship: cohabitation, civil solidarity pact (PACS) or marriage. The question of financial responsibility...Taxation of savings bonds: taxes, levies and capital gains
Guarantees, securities and enforcement lawThere has been a welcome simplification of the taxation of savings bonds, unifying the treatment of interest received, which is now classified as debt income. For savers, this clarification is essential in order to measure the net return on their investment. The system, which has long been complex, has now been harmonised, but it is important to understand...Savings bonds: definition, legal regime and reforms (2025)
Guarantees, securities and enforcement lawA savings bond is a financial instrument that enables a company to finance itself by borrowing directly from investors, outside the traditional banking channels. For a long time associated with a degree of opacity, notably because of its anonymous form, its legal regime has been radically modernised to adapt to the requirements of the...Bankcard fraud: gross negligence and strong authentication, the keys to liability
Banking and securities lawBankcards have become an indispensable part of our daily lives, facilitating the majority of our transactions. However, with this ease of use comes a growing risk of fraud. When an unauthorised transaction appears on your bank statement, a key question arises: who is responsible? While the law protects...Legal regime for payment cards: developments and challenges (PSD1, PSD2, PSR1)
Banking and securities lawThe payment card, once a simple withdrawal and payment tool, has become a central instrument in our economy. Its legal regime, initially fragmented and based on ordinary contract law, has undergone profound changes under the impetus of European Union law. These changes have resulted in...FIA professional associations: role, authorisation and AMF supervision
Banking and securities lawThe status of financial investment adviser (FIA) is one of the cornerstones of investor protection in France. Far from being a simple individual title, it forms part of a dense regulatory ecosystem overseen by the Autorité des marchés financiers (AMF). At the heart of this system are the professional associations, the...
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