Publications

There 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...

A 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...

Bankcards 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...

The 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...

The 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...

As a privileged confidant at key moments in our personal and professional lives, lawyers are often confronted with questions that go beyond the strictly legal framework to touch on finance and wealth. The dividing line between legal advice and investment recommendations may seem a fine one. The aim is to provide a framework for the latter...

The status of financial investment adviser (FIA) is a regulated profession, access to which and the exercise of which are subject to strict conditions defined by the Monetary and Financial Code. The main purpose of these regulations is to ensure the protection of investors and the stability of the financial system. To become an FIA, you must...

The financial investment adviser (FIA) is a key player for many savers and investors. Their role, governed by strict regulations, is to provide personalised advice to guide financial decisions that are often complex and involving. A detailed understanding of the status of the FIA, his duties and, above all, his obligations...

Renting 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...

The 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...