Publications
Invalid writ of execution
By Raphaël MORENON22 September 2025Seizure, judgement, notarial deed... Faced with a forced execution? Find out how to check the validity of the document and challenge the procedure to defend your rights.
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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.
Management and development of the pledged securities account: optimising the guarantee base
Pledging a securities account is a much more dynamic form of security than it might seem. Unlike a guarantee covering a single, specific asset, the collateral can and will change throughout the life of the loan it is securing. This ability to adapt is one of its strengths...Creating a securities account pledge: formalities, documents and best practice
The pledge of a securities account is a powerful and flexible guarantee mechanism, widely used in business to secure financing or a transaction. However, it has to be set up in accordance with a precise set of formalities, each stage of which determines its validity and effectiveness. A simple error or omission...Pledging a securities account: a complete guide to securing your financial assets
The pledge of a securities account is one of the most effective forms of security under French financial law. Governed by Article L. 211-20 of the French Monetary and Financial Code, this mechanism enables a debtor to pledge a portfolio of financial securities as collateral for a debt, while retaining - under certain conditions - the right to use the...Refusal of a mortgage loan: the essential role of the broker and the evidence required for the suspensive condition
Obtaining a mortgage is often the last and most stressful stage in the process of bringing a life project to fruition. A bank's refusal may seem like an abrupt halt, but when it comes to buying a property, the legal consequences depend very much on the way in which the search for...IOBSPs: what are their obligations to inform and gather information from their customers?
Intermediaries in banking and payment services, better known by their acronym IOBSP, are key players in the financial landscape for many individuals and businesses. Whether they are mortgage brokers or agents, their role is to help you find the right mortgage solutions.Remuneration of IOBSPs and TEG/TAEG: the financial and legal issues for borrowers
The remuneration of a banking and payment services intermediary (IOBSP), whether a broker or agent, is a key issue for any borrower. Far from being a mere technical detail, it has a direct influence on the total cost of credit and can become a source of dispute. The complexity...Banking and payment services intermediaries (IOBSP): a comprehensive guide to their legal obligations and case law
Your bank refuses to lend you money, your broker has only made one offer, your brokerage fees have caused the APR to soar: these are common situations that call into question the legal obligations of the intermediary in banking and payment services (IOBSP). This professional - broker, exclusive agent...Appealing AMF sanctions: understanding judicial review and appeal procedures
For a complete overview of the AMF's remit, sanction categories and enforcement procedures, please consult our comprehensive guide to the AMF's sanctioning powers. When the Autorité des Marchés Financiers (AMF) issues a sanction decision, it is legitimate to ask what avenues are available to...AMF sanction procedure: deciphering the key stages for professionals
The sanction procedure of the Autorité des marchés financiers (AMF) is a major issue for professionals in the financial sector. The AMF has extensive powers to ensure that markets operate smoothly, that savings are protected and that investors are properly informed, whether they are natural persons or legal entities. To find out more...AMF sanctions: distinction and scope of administrative and disciplinary powers
The French financial sector is a complex ecosystem, whose stability and investor protection are ensured by one major player: the Autorité des marchés financiers (AMF). This independent public body has extensive powers to regulate markets, supervise professionals and, where necessary, impose penalties....
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