By Raphaël MORENON
3 August 2025
The 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 and financing are covered is therefore essential, whether you are an individual or a company director. The purpose of this article is to clarify the scope of this legislation, in addition to our comprehensive guide to the regulation of usury under French law. Initially limited to the simple lending of money, usury legislation has gradually extended its scope to encompass a much wider range of financial transactions. The aim of this development has been to better protect borrowers by adapting to the diversification of financing techniques. The influence of codification and...
EN 
FR