Publications

Assets, Commercial, business and competition law

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...

Competition, Commercial, business and competition law

While competition law often focuses on the actions of a single hegemonic company, there is another form of market power that is more complex to grasp: collective dominance. This situation arises when a number of companies, although legally independent, are able to adopt a single line of action...

Brokerage, Banking and securities law

The atypical nature of the property investment sector attracts many savers looking for a return. However, this world is strictly regulated to protect investors. Intermediaries in miscellaneous goods (IBDs) and financial investment advisers (CIFs) operating in this market are subject to strict regulations....

Brokerage, Banking and securities law

Atypical investments - wine, works of art, diamonds, containers, manuscripts - attract investors seduced by the promise of high returns. This opaque world is governed by strict regulations, overseen by the Autorité des marchés financiers (AMF), designed to protect investors. Intermediaries in various goods (IBD), investment advisers...

The management of debts within a couple married under the regime of legal community is a frequent source of questions and tensions, particularly in the event of separation. When a loan is taken out, who has to pay it back? And from which assets can the creditor, such as a bank, claim payment?

For many couples, opening a joint account is a practical way of managing day-to-day expenses. However, this ease of management can turn into a source of major legal risks when one of the joint account holders incurs a personal debt. The seizure of this account by a creditor raises a number of...

When a couple is legally married, the taking out of a loan by only one of the spouses raises a fundamental question: what assets can be seized by the bank in the event of default? The answer is far from simple, and involves the joint, or even personal, assets of each spouse....

Marriage has legal consequences that often go beyond the personal sphere, particularly in financial terms. When a couple have difficulty honouring their commitments, the question of each person's responsibility for debts, and more particularly for loans, quickly becomes a source of concern...

The legal status of a couple, whether they are cohabiting or in a civil solidarity pact (PACS), has a direct impact on their financial obligations, particularly when it comes to repaying credit. Contrary to popular belief, these two forms of union are not treated in the same way by the...

Credit and consumer law, Overall effective rate

Le TAEG affiche sur votre offre de pret ne correspond pas au cout reel du credit. Ou votre banque a omis d'y integrer l'assurance qu'elle vous imposait. Ces erreurs, frequentes, ouvrent droit a des sanctions lourdes - mais le regime juridique a profondement change depuis 2019. Voici ce que le…