Raphaël MORENON
Legal regime for seizures of ships, boats and aircraft: specific features and legal basis
By Raphaël MORENON21 November 2025Whether you're a creditor or a debtor, seizing a ship or aircraft is no simple matter. Our guide demystifies the complex legal procedures in France to secure your rights. Avoid the pitfalls!
Banking secrecy and safes: access by the authorities and reporting obligations
Banking and securities lawRenting a safe deposit box from a bank is often seen as the ultimate in discretion and security. For many individuals and businesses, it is a private, almost inviolable space, designed to protect valuable possessions or important documents from prying eyes. This perception is...Seizure, disinheritance and inheritance of bank safes: procedures and legal regime
Banking and securities lawThe bank safe is often perceived as an inviolable sanctuary for precious assets. However, this image of an impregnable fortress comes up against a complex legal reality. Far from being a place beyond reach, the safe is subject to strict legal procedures that can lead to it being opened by force, whether...Banker's liability for the safe-deposit box: obligations, proof and grounds for exemption
Banking and securities lawRenting a safe deposit box from a bank is often seen as the ultimate in security for your most precious possessions. This confidence is based on the image of solidity and inviolability projected by banking establishments. However, in the event of a claim, a theft or simply an inability to access your...Bank safe deposit box contract: complete legal guide (nature, formation, rights and obligations)
Banking and securities lawThe bank safe deposit box is often perceived as an absolute security solution for the most valuable assets. While this image is partly justified, the contractual relationship between the customer and his bank is much more complex than simply renting a secure space. It is a specific service, governed...Portfolio management company and securitisation custodian: status, duties and legal responsibilities
Banking and securities lawWhen setting up a securitisation transaction, a robust legal framework and clear roles are essential to secure the investment and guarantee market confidence. This powerful financial mechanism relies on the coordinated involvement of players with well-defined and strictly regulated functions. These include the company...Securitisation company and securitisation mutual fund: comparative legal regimes and specific features
Banking and securities lawSecuritisation is a sophisticated financing mechanism that transforms illiquid assets into tradable financial securities. At the heart of this operation is a legal entity, the securitisation undertaking, whose choice of form is not insignificant. Under French law, there are two types of structure: the...Types of risk exposure of securitisation vehicles: typology and legal regime
Banking and securities lawSecuritisation is a sophisticated financing mechanism that transforms illiquid assets into financial securities that can be traded on the markets. At the heart of this financial engineering is the securitisation vehicle (SPV), a dedicated structure whose role is not limited to simply buying receivables....Legislative developments in securitisation in France: a detailed history of reforms
Banking and securities lawFew financial mechanisms are as markedly dual as securitisation. A powerful financing tool for companies, securitisation has also become synonymous with the 2008 financial crisis. This complex reputation masks a rich legal reality and a constantly evolving body of French law...Vouchers: the complete legal guide to their nature, system and use
Banking and securities lawAlthough they are sometimes overlooked by entrepreneurs as a financing instrument, savings bonds are a highly flexible legal tool for cash management. Its rules, which have been thoroughly modernised over the last decade, have clarified its nature and conditions of use, making it an attractive alternative to financing...Card acceptance contract: issuer-supplier relations and obligations
Banking and securities lawPayment by bankcard has become so commonplace for retailers that it is almost invisible. Yet behind every transaction lies a precise contractual framework: the acceptance contract. This document, which binds the supplier to the card issuer, governs all their relations, from the moment the...Card payments: issuance, irrevocability and merchant obligations
Banking and securities lawPaying by bankcard has become an everyday gesture, a mechanism so well oiled that we forget the underlying legal complexity. Yet every transaction, whether carried out in a local shop or on the internet, is an act that involves several parties and is governed by precise rules. This act,...Bank card fraud: liability and criminal penalties
Banking and securities lawBankcards have become the preferred means of payment in France, but their popularity has been accompanied by increased exposure to the risk of fraud. Faced with this reality, the legislator has put in place a precise legal framework to share out the responsibilities between the cardholder, his bank and the credit card companies....Contractual relationship between card issuer and cardholder: rights and obligations
Banking and securities lawThe payment card has become an everyday tool, a reflex for paying for purchases or withdrawing cash. Behind this trivial gesture, however, lies an often dense and technical contract between the user and his bank. This document, known as the bearer contract, is not a simple form. It is...Payment cards: the complete legal guide to French banking law
Banking and securities lawThe payment card has become an essential tool in economic life, simplifying day-to-day transactions for individuals and businesses alike. Behind its ease of use, however, lies a dense legal framework that defines the rights and obligations of each player: the cardholder, the card issuer and the...Banking and financial canvassing: legal framework and obligations
Banking and securities lawCanvassing for banking and financial services is a commercial practice governed by a strict set of rules designed to protect savers and borrowers. Often perceived as intrusive, this sales method is nevertheless legal if it complies with a set of precise obligations. Our firm has observed that many disputes arise from a lack of understanding of...Scope of usury legislation: loans concerned and exclusions
Banking and securities lawThe rules on usury, which aim to cap interest rates on loans, provide essential protection for borrowers. However, its scope is far from universal and has undergone major changes, creating a complex legal landscape in which some transactions are covered and others excluded. Understanding exactly which loans...Penalties for usury: deciphering the criminal and civil consequences
Banking and securities lawRegulations on usury are designed to protect borrowers against manifestly excessive interest rates. When a loan is deemed to be usurious, the consequences for the lender are not limited to a simple contractual correction. French law has put in place an arsenal of sanctions, both criminal and civil...Usurious rate: constituent elements and methods for calculating the TEG and TAEG
Banking and securities lawThe total effective interest rate (TEG), replaced for some loans by the annual percentage rate (TAEG), represents much more than a simple percentage in a loan agreement. It expresses in figures the total and real cost of the loan to the borrower. Its determination is governed by legal and mathematical rules...The regulation of usury under French law: a complete guide for borrowers and professionals
Banking and securities lawRegulations on usury protect borrowers against excessive interest rates, a practice as old as credit itself. For individuals and businesses alike, a loan is a structural commitment, but its terms and conditions can sometimes conceal costs that exceed legal thresholds. Navigating the complexities...Structure of securitisation assets and liabilities: receivables, securities and transfer mechanisms
Banking and securities lawSecuritisation is a sophisticated financial engineering operation that transforms illiquid assets into marketable securities. To better understand securitisation in its entirety, it is essential to look at the structure of the vehicle that carries it out: the securitisation vehicle (SPV). Its effectiveness...
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