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The grace period and compulsory execution
By Raphaël MORENON19 September 2025Faced with a debt due and the threat of seizure? Find out how the judicial grace period can give you breathing space to reorganise your finances.
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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.
Banking secrecy and tax authorities: your rights and their limits
Banking secrecy, long considered an essential protection of privacy and business, is seeing its boundaries redefined in the face of the growing prerogatives of the tax authorities. While the principle remains that information held by your bank is confidential, the law provides for a number of exceptions allowing the tax authorities access to this information...Home loans taken out before 1 July 2016: which legal regime still applies?
Order no. 2016-351 of 25 March 2016 radically changed the legal landscape for home loans in France, transposing European Directive 2014/17/EU. Essentially coming into force on 1 July 2016, this reform strengthened the protection of borrowers, particularly in terms of pre-contractual information and assessment of solvency....Defaults by mortgage lenders (Post-2016): what penalties?
Buying a property is often the investment of a lifetime. In most cases, taking out a mortgage is an essential step in the process. Given the importance of this commitment, the French legislator, particularly since Order no. 2016-351 of 25 March 2016 transposing a European directive, has strengthened the protection of creditors.Assessing a borrower's creditworthiness on a home loan: lender obligations (post-2016)
Granting a home loan represents a major financial commitment for both the borrower and the lending institution. Before granting finance, the bank or lending institution is required by law to make a thorough assessment of the borrower's ability to repay the loan. This is a crucial stage in preventing over-indebtedness, and is a key factor in...Pre-contractual information in mortgages: FISE and the duty to warn (post-2016)
Taking out a home loan is a decisive step in a life project, committing the borrower over a long period of time. The complexity of the offers and the financial stakes involved make pre-contractual information essential. Since the major reform of 2016, resulting from the transposition of the European directive on mortgage credit (MCD),...Home loans in France: legal framework and borrower protection (post-reform 2016)
For most people, a mortgage is the biggest financial commitment they will ever make. The purchase of a property is almost always based on a bank loan with a term of ten, twenty or even thirty years. Such a commitment justifies a protective legal framework, which the legislator has...The Single Resolution Mechanism (SRM): operation and role of the CRU and FRU
At the heart of the Banking Union, the Single Resolution Mechanism (SRM) has been set up to manage the failure of the largest banks in the participating Member States in a centralised and harmonised way. This mechanism, which is structured around the Single Resolution Board (SRB) and the Resolution Fund (RF),...Banking resolution and banking union: bail-in, deposit guarantees and savers' rights
Dernière mise à jour : 25 mars 2026 - consolidation des contenus sur la résolution bancaire et le rôle de l'ACPR dans le dispositif de rétablissement et de résolution. Quand une banque vacille, ce ne sont pas les règles ordinaires de la faillite qui s'appliquent. Le risque de contagion à…ACPR: Status, organisation and international cooperation explained
The Autorité de Contrôle Prudentiel et de Résolution (ACPR) is a key player in the French financial landscape. Attached to the Banque de France, this authority oversees the banking and insurance sectors, contributing to financial stability and consumer protection. Understand its status, its...The ACPR's powers and sanctions: What you need to know
The Autorité de contrôle prudentiel et de résolution (ACPR) plays a central role in the stability of France's banking and insurance sectors. Understanding the scope of its powers, from preventive measures to disciplinary sanctions, is essential for the entities it supervises. This article sets out the ACPR's prerogatives in detail, shedding light on the...
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