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The regulation of usury under French law: a complete guide for borrowers and professionals
By Raphaël MORENON3 August 2025Regulations 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 intricacies of credit law, and particularly usury law, is a complex exercise. The purpose of this article is to provide you with an overview of French legislation, covering its founding principles, scope, calculation mechanisms and penalties. Each of these aspects, covered in greater detail in our dedicated articles, is essential to understanding and defending your rights. If you have any doubts about the compliance of your contract, it is a good idea to seek the advice of a lawyer specialising in credit law. Understanding usury: definition and historical development What is usury? A legal definition...
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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.
Condition precedent for obtaining a property loan: issues and case law
Buying a property is a decisive step, financed in the vast majority of cases by a loan. To protect the non-professional buyer, the legislator has introduced an essential security mechanism: the condition precedent that the loan must be obtained. This provision links the validity of the sale to the granting of finance...Definitions and scope of mortgage credit: the legal guide
Mortgages are at the heart of most of life's projects, whether it's the purchase of a primary residence or a rental investment. However, the legal framework surrounding it is so dense and complex that borrowers are often surprised. Far from being a simple loan contract, it is...Judicial distribution of the sale price in a property seizure: operation and remedies
Foreclosure is a complex procedure that culminates in the sale of the property. However, the sale is not the end of the process. There is then an equally decisive stage: the distribution of the price obtained among the various creditors. This phase, the sixth and final stage in the...Amicable distribution of the sale price during a property seizure: procedures and interests
The distribution of the sale price of a seized property is the culmination of the seizure procedure. This is a delicate and decisive stage, both for the debtor, who sees his assets realised, and for the creditors, who are waiting to be paid. For non-experts, this phase may seem like a daunting...The third party holder and the real guarantor in property seizures: understanding their roles and protection
The seizure of property is an enforcement measure with far-reaching consequences, which is not limited to the relationship between a creditor and his debtor. Other people, whose status and rights are often misunderstood, may find themselves involved when the seized property has been sold or assigned...Properties subject to seizure and their specific features in property seizure proceedings
The prospect of a property seizure is a considerable ordeal for any debtor. It represents the culmination of a debt recovery procedure and involves assets of major value, often emotional. Understanding which properties can actually be seized is an essential first step in understanding what is at stake and what can be avoided.Pacte commissoire and judicial allocation: alternatives to seizure of property for creditors
When a creditor is faced with an unpaid debt, seizure of property is often seen as the most effective way of recovering the debt from the debtor's assets. However, although this procedure is effective, it is notoriously lengthy and complex. Faced with this situation, French law has...Regulation of crypto-assets in Europe: understanding mica and tfr
The crypto-asset ecosystem, once seen as a digital frontier for insiders, now represents a key sector for investment and innovation. For companies and individuals alike, it offers new opportunities, but its rapid development has long been accompanied by an uncertain legal framework, a source of major risks. With this in mind,...Transfer of digital assets free of charge: donations, legacies and precautions
Wealth transfer is constantly adapting to new forms of wealth. Today, digital assets, whether cryptocurrencies, non-fungible tokens (NFTs) or other blockchain-based instruments, make up a growing proportion of wealth. Their management and transfer free of charge, by gift or by...Transfer and contribution of digital assets: legal framework and taxation
The management of digital assets, whether virtual currencies, tokens or NFTs, has become a central concern for individuals and businesses alike. These transactions, which range from simple transfers to incorporations, raise highly complex legal and tax issues. Far from being an area of...
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