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Analyses, feedback and legal news on banking law, credit law and enforcement.
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Blocked bank account after death: operation and deadline
As soon as it learns of the death of its customer, the bank blocks his or her individual accounts. No further withdrawals or transfers are possible until the estate has been settled, except for funeral expenses up to the legal limit of €5,000. Joint accounts follow different rules. This page explains how the freeze works, the procedures for unblocking the account and the deadlines to bear in mind.
Initial public offering: the complete legal guide for companies
Are you considering an initial public offering (IPO), and are you aware of the scale of the legal issues involved? An IPO is more than just a financial operation: it is a regulated and demanding process, with directors taking responsibility at every stage. This guide sets out the key issues and the pitfalls to avoid.
Coface and export credit insurance: a practical guide for exporters
If you are an exporter and want to protect yourself against the default of a foreign buyer or the political risk of a third country, export credit insurance is the legal tool designed to do just that. In France, Coface is the key player - initially a government agent, now a private insurer. This guide sets out the complete legal framework, from the founding texts to international conventions.
Internal credit insurance: protecting receivables on the domestic market
Your customers are slow to pay or don't pay at all: each non-payment puts a strain on your cash flow and can ultimately put your business in difficulty. Internal credit insurance is the only instrument that combines prevention, indemnification and recovery of domestic receivables in a single policy.
Banking and finance lawBanking secrecy and safes: access by the authorities and reporting obligations
Since 2020, the tax authorities have known that you have a bank safe-deposit box - they just don't know what it contains yet. But in the event of an audit, its contents may become visible. Which authorities can access your safe-deposit box, under what conditions, and what are the tax and criminal risks involved?
Banking and finance lawDigital assets: legal status, applicable regime and practical issues
You hold crypto-currencies or tokens and you don't know which legal regime applies to them - in the event of transfer, inheritance or seizure by a creditor. The classification you choose - virtual currency, utility token or financial instrument - determines the tax regime, reporting obligations and the rights of third parties. Full analysis of the French and European legal framework, from the PACTE Act to the MiCA regulation.
Banking and finance lawBank del credere: full definition, legal nature and modern applications
Secure your commercial payments! Understand the del credere mechanism to protect yourself effectively against non-payment and guarantee the successful completion of your transactions.
Banking and finance lawBanking ethics: obligations, penalties and remedies
Businesses, optimise your banking relationship! Find out about banks' obligations in terms of ethics, transparency and loyalty. Protect your interests!
Banking and finance lawSavings bonds: definition, legal regime and reforms (2025)
Find out what a savings bond is, how it works in legal terms and the changes in 2025 that will affect your secure savings.
Banking and finance lawLawyer and financial investment adviser (FIA): compatibility and limits
Can a lawyer advise clients on financial investments without falling under the status of financial investment adviser? AMF regulations draw a clear line between ancillary legal advice and full FIA status, with disciplinary consequences if this line is crossed.
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