Publications
Enforcement orders: definition, conditions of validity and typology of documents in civil enforcement law
By Raphaël MORENON19 September 2025Recovering an unpaid debt? The writ of execution is the key! Find out more about its conditions and forms, and how it can help you take effective action.
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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.
Securities account pledging in the DEEP era (Blockchain): challenges and opportunities
The pledge of financial securities is an essential guarantee for many financing transactions. Traditionally recorded in a securities account, it is undergoing a major evolution with the emergence of blockchain technology. This innovation, recognised in French law under the name Dispositif d'Enregistrement Électronique Partagée (DEEP), opens up new prospects...Pledging securities accounts and insolvency proceedings: protecting your rights in the event of insolvency
For a creditor, obtaining a pledge on a securities account is a reassuring step. But what happens to this security when the debtor goes through a financial storm and is the subject of collective proceedings? Far from being weakened, this security reveals all its power in this context, offering far greater protection than other forms of security.Enforcement of securities account pledges: recovery procedures and rights of the pledgee
The pledge of a securities account is a powerful guarantee, but its true effectiveness is measured at the time it is realised. When the debtor fails to honour his commitments, the creditor must be able to transform this security into cash to recover his debt. This phase, far from being a mere formality, is a process...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 a key financial guarantee in the economic landscape, offering an effective means of securing a debt using a portfolio of assets. Although its mechanism is recognised for its power, its technical implementation, clarified by an abundance of case law, can seem complex to 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...Duty to warn and solvency analysis for IOBSPs: deciphering a legal controversy
The intermediary in banking and payment services (IOBSP), more commonly known as a broker, plays a central role in the search for finance for many individuals and businesses. Yet the precise scope of their legal obligations remains a source of legal debate and uncertainty. At the heart of this controversy...Credit brokers' duty to advise (COBSP): scope, limits and penalties in the event of breach
When a private individual or company director contacts a credit broker, he or she expects much more than simply to be put in touch with a bank. They are looking for expertise, support and, above all, sound advice to help them obtain the best possible financing terms. This expectation is governed by...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.
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