Publications
Banker's liability for the safe-deposit box: obligations, proof and grounds for exemption
By Raphaël MORENON12 August 2025Renting 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 loss, theft or simple inability to access their valuables, customers can find themselves at a loss and faced with a complex process to have their loss recognised. The relationship between you and your bank in this context is not a simple lease; the entire legal framework of the bank safe deposit box contract is a specific construction, largely shaped by case law, which imposes far more onerous obligations on the banker than on a traditional lessor. Our firm, which specialises in banking liability litigation, can help you decipher the mechanisms of this liability, the challenges of proof and the defences available to the bank. The...
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> 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.
Rules governing the formation of consumer credit agreements
Consumer credit contracts are subject to strict formalities. This legal framework is designed to protect consumers, who are often unprepared for the legal intricacies of these financial commitments. Why so many forms to sign? What rights does the borrower have? When is the contract definitively concluded? 1. The formalities...Who can benefit from the protective consumer credit regime?
Thinking of taking out a loan? The legal status of your loan determines your rights. The consumer credit regime offers essential guarantees, but does not apply to all borrowers or to all loan transactions. For an in-depth understanding, discover the legal definitions...The legal framework for consumer credit: definition and developments
You've probably already taken out a loan to finance the purchase of a car, a television set or to pay for renovation work. These transactions, which are part of our daily lives, are governed by a complex and protective legal arsenal. Since the 1970s, legislators have gradually put in place a legal framework that...The bank del credere, a little-known but effective guarantee
In the business world, the fear of non-payment is a constant preoccupation for all sellers. There are a number of guarantees available to secure commercial transactions, but one of them, del credere, is often overlooked despite its effectiveness. Based on a long tradition in commercial law, this technique transfers the risk of non-payment...The end of the banking relationship: account closure and its legal consequences
A bank account is closed sooner or later. By choice, necessity or legal constraint. This breach of contract has legal consequences that customers are often unaware of. From imposed notice periods to questionable charges and accounting liquidation, closing an account follows a regulated process. Causes of account closure Any banking relationship may be terminated...Security interests in movable property: a diversified legal arsenal
In an unpredictable economic environment, creditors are looking to secure their claims. Security interests in movable property are an effective mechanism for guaranteeing the recovery of a debt without using real estate. These legal instruments offer increased protection to creditors wishing to limit the risk of non-payment. The four...International formal notice: a comparative approach and practical advice
Formal notice is a fundamental legal mechanism for establishing the non-performance of an obligation. At the crossroads of the law of obligations and enforcement procedures, this tool calls on a defaulting debtor before initiating formal proceedings. But how does this concept operate outside France and what are the consequences?Special situations when it comes to mortgages
Buying a property is an important step, and one that is often financed by credit. While conventional property loans are well known, some situations are out of the ordinary and require extra vigilance. Whether it's borrowing in a foreign currency, coordinating several loans or understanding the subtleties of suspensive conditions,...The Banque de France's other public-interest missions
The role of the Banque de France, an institution whose capital is owned by the State, goes far beyond that of a simple central bank. While its integration into the European System of Central Banks (ESCB) in 1998 redefined the scope of its activities, it retains a number of public-interest missions that are specific to the French context....Special astreinte regimes: expulsion, criminal and administrative matters
The astreinte is a fundamental legal tool for forcing a debtor to fulfil his obligations. However, its application varies from one area of law to another. Certain derogatory regimes significantly modify its operation, liquidation and effects. Let's take a look at the specific features of astreinte in eviction, criminal law, administrative law and civil law.
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