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Over-indebtedness of individuals: cancellation of debts and obstacles to compulsory enforcement
By Raphaël MORENON18 September 2025In the face of excessive debt in France, find out how the legal procedure can give you a fresh start and even wipe out your debts. Get out of debt!
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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.
Sharing banking secrecy without client consent: the 7 legal exceptions
Banking secrecy is a fundamental obligation, the basis of trust between a financial institution and its customer. This principle, which is protected by law in France, is not absolute. The Monetary and Financial Code itself provides for specific situations where the sharing of confidential information with a third party...Bank-client conflict of interest: identifying and managing the risks
The relationship between a bank and its customer is based on the fundamental principles of loyalty and trust. However, the very nature of banking activities, which are many and sometimes divergent, can lead to situations where the bank's interests conflict with those of its customer. These conflicts...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.The annual percentage rate of charge (APR) on home loans: calculation, verification and disputes
The Annual Percentage Rate, better known by its French acronym TAEG, is a key element of any mortgage offer. It represents the total cost of the loan to the borrower, expressed as an annual percentage of the amount borrowed. Understanding its composition, knowing how to check it and knowing what to do in the event of an error is essential...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)
Buying a property is often the investment of a lifetime. Credit is used almost systematically to bring this project to fruition. Aware of the stakes involved and the risks to individuals, French lawmakers, spurred on by European law, have considerably strengthened borrower protection, notably through the Order of 25 March...BRRD Directive: the European framework for banking recovery and resolution
The 2008 financial crisis highlighted the need for better supervision of bank failures to protect taxpayers and economic stability. The European BRRD (Bank Recovery and Resolution Directive), initially adopted in 2014 (Directive 2014/59/EU) and revised by BRRD II in 2019 (Directive (EU)...
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