Publications
Vouchers: the complete legal guide to their nature, system and use
By Raphaël MORENON3 August 2025Although they are sometimes overlooked by entrepreneurs, savings bonds are a highly flexible legal tool for cash management. The legal framework for these instruments, which has been radically modernised over the last decade, has clarified their nature and conditions of use, making them an attractive alternative to traditional bank financing. Navigating the legal framework for financial instruments can be complex. Our firm, with a strong background in banking and finance law, offers you a comprehensive overview of this instrument, from its definition to its tax and practical implications. This article explores the characteristics of savings bonds, comparing them with other instruments such as the various types of bank deposits, to give you a clear view of their strategic usefulness. What is a savings bond? Definition and legal development Historical origins and current legal framework (decree-laws, laws, ordinances) The savings bond...
Training
Models
Files
> The practice of seizing propertyA practical, chronological and exhaustive study of the implementation of a property seizure procedure.
We put all our expertise to work to achieve a simple objective: to prevent a property seizure.
Card acceptance contract: issuer-supplier relations and obligations
Payment 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
Paying 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
Bankcards 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
The 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
The 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
Canvassing 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
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...Penalties for usury: deciphering the criminal and civil consequences
Regulations 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
The 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
Regulations 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...
EN 
FR